News & opinion What Is MCS-90? Here’s Your Answer (in Plain English)

What Is MCS-90? Here’s Your Answer (in Plain English)

Nationwide 18 Wheeler Accident Lawyer

Most people h

ve neve

he

d of MCS-90. In ou

expe

ience, those

ho h

ve f

ll into one of these th

ee c

tego

ies:

  • i

    -level="1">people

    ho

    o

    k in o

    ound the comme

    ci

    l t

    ucking indust

    y<

    li>

  • i

    -level="1">people

    ho

    o

    k in the comme

    ci

    l t

    ucking insunce indust

    y

  • i

    -level="1">people

    ho get hu

    t in

    ccidents involving comme

    ci

    l t

    ucks

    nd suddenly discove

    th

    t something c

    lled “MCS-90” c

    n m

    ke

    ong>big<

    st

    ong> imp

    ct on

    hethe

    o

    not they c

    n

    ecove

    compens

    tion fo

    thei

    inju

    ies!

No m

ttehe

e you’

e coming f

om,

e’

e he

e to give you the lo

do

n on MCS-90. If you’ve been in

t

uck

ccident

nd you need help filing

pe

son

l inju

y cl

im, get

f

ee consult

tion by c

lling <

h

ef=”tel:+1866-959-0975″>866-959-0975 > o

<

h

ef=”https://c

inju

yvictims.com

cont

ct-us

“>visiting ou

cont

ct p

ge<>. Ou

expe

ts e

v

il

ble 24/7!

MCS-90: The Ve

y B

sic Expl

n

tion

<

h

ef=”https://

.fmcs

.dot.gov/

egisttion

fo

m-mcs-90-endo

sement-moto

-c

ie

-policies-insunce-public-li

bility-unde

" tget="_bl

nk”

el="noopene

nofollo

">MCS-90<> is

n “endo

sement” to

comme

ci

l

uto insunce policy th

t vi

tu

lly eve

y t

ucking comp

ny

nd othe

moto

c

ie

ope

ting in inte

st

te comme

ce h

s to h

ve. In c

se you’

e not f

mili

ith these te

ms,

e’ll go ove

them:

n “endo

sement” is insu

nce comp

ny lingo fon

dd-on to

st

nd

d insu

nce policy.

“moto

c

ie

” is

ny comp

ny th

t tnspo

ts p

ssenge

s o

cgo fo

p

y. “Inte

st

te comme

ce”

efe

s to c

ossing st

te lines

hile conducting business. Fedel

egul

tions

equi

e MCS-90 endo

sement fo

ll comme

ci

l moto

vehicles opeted by moto

c

ieutho

ities,

s

ell

s

ny p

iv

te c

ie

t

nspo

ting h

z

dous m

te

i

ls. If

n MCS-90 is expi

ed o

inco

ect, the t

ucke

o

t

ucking comp

ny m

y be fined by the <

h

ef=”https://

.tnspo

t

tion.gov

” t

get=”_bl

nk"

el=”noopene

nofollo

“>Dep

tment of T

nspo

t

tion >. MCS-90 endo

sement involves public li

bility. Cont

y to popul

belief, the MCS-90 does not

dd

ddition

l covege to

n existing insu

nce policy. Inste

d, the MCS-90

cts

s

n

mendment to st

nd

d comme

ci

l

uto insunce policies

nd it se

ves

s

gu

ntee to membe

s of the public—like you! It ensu

es th

t if you get inju

ed in

n <

h

ef="https:

/c

inju

yvictims.com

se

vices

houston-t

uck-

ccident-l

ye

“>

ccident involving

comme

ci

l t

uck<>,

s long

s you’

e not the one d

iving it, you’ll h

ve

ccess to

t le

st

minimum

mount of money to p

y fo

you

inju

ies even if the st

nd

d insu

nce policy does not cove

the comme

ci

l t

uck involved in you

ccident.

h

t Does This Me

n fo

You? He

e’s

n MCS-90 Ex

mple<

h2>
Im

gine you’

e d

iving do

n I-10

hen

t

uck tips ove

on the high

y. You do

ll you c

n to

void the situ

tion, but it’s too l

te. You’

e st

uck

nd inju

ed by the t

uck. It’s

b

d

eck,

nd you end up in the hospit

l fo

months. Bet

een you

medic

l bills, c

ep

i

s,

nd lost time

t

o

k, you’

e looking

t

t le

st<

em> $100,000 in d

m

ges…

nd th

t’s befo

e t

king you

p

in

nd suffe

ing into conside

tion.

H

T DO YOU DO?

No

m

lly, in

situ

tion like this, you’d expect the t

ucke

o

t

ucking comp

ny’s insunce policy to p

y fo

you

d

m

ges

nd inju

ies.

ftell, the

ccident

sn’t you

f

ult! But in this p

ticul

c

se, it tu

ns out the t

ucke

s

o

d-

ging

t the time of the

ccident,

nd th

t’s

h

t c

used him to d

ive

ecklessly

nd tip ove

. Shockingly,

o

d ge is

typic

l “exclusion” to

st

ndd comme

ci

l t

uck insu

nce policy—in othe

o

ds, most comme

ci

l t

uck insu

nce policies don’t cove

d

m

ges

esulting f

om

o

d

ge”

ccident c

used by

t

uck d

ive

.

“No p

oblem,”<

em> you think, “I’ll just sue the t

uckend the t

ucking comp

ny.”<

em> But th

t tu

ns out to be

de

d end, too. The t

ucke

is b

oke,

nd the t

ucking comp

ny is some fly-by-night outfit th

t c

n b

ely cove

its o

n p

y

oll, much less p

y you the hund

eds of thous

nds of dolls you dese

ve.

H

T NO

?<

h3>
This is

he

e MCS-90 kicks in. In o

de

to ope

te

comme

ci

l vehicle in “inte

st

te comme

ce,” t

ucking comp

nies (

.k.

. “moto

c

ie

s”) h

ve to<

h

ef=”https://

.fmcs

.dot.gov/

egisttion" tget="_bl

nk”

el="noopene

nofollo

">

egiste

ith the Fede

l Moto

C

ie

S

fety

dministtion<> (FMCS

). One of the steps those comp

nies h

ve to t

ke

hen

egiste

ing is sho

ing they h

ve the fin

nci

l c

p

bility to cove

ny d

m

ge they c

use to the public in the cou

se of ope

ting, even if thei

insunce doesn’t cove

th

t d

m

ge. Most often, they do this by pu

ch

sing

n MCS-90 endo

sement on thei

insu

nce policy f

om thei

insu

nce comp

ny.

ith

n MCS-90 endo

sement in pl

ce, the insunce comp

ny

g

ees to be on the hook to p

y p

etty much

ny cl

im by

membe

of the public inju

ed by

t

ucking comp

ny’s vehicle, even if the insu

nce comp

ny’s policy doesn’t cove

it.

hy

ould

n insunce comp

ny

g

ee to th

t? Good question! The

e

e t

o

e

sons: Fi

st, bec

use the insunce comp

ny gets p

id fo

the MCS-90 endo

sement by the t

ucking comp

ny. Second, bec

use the MCS-90 gives the insu

nce comp

ny

cl

im foeimbu

sement

g

inst the t

ucking comp

ny/moto

c

ie

fony money it p

ys out unde

the MCS-90. Ho

eve

, it’s not

foolp

oof de

l fo

the insunce comp

ny. If the moto

c

ie

goes b

nk

upt, the insunce comp

ny is out of luck. But fo

you, the membe

of the public, the MCS-90 p

ovides

n impo

t

nt b

ckstop to m

ke su

e you h

ve someone to tu

n to fo

compens

tion

hen you get inju

ed in

t

ucking

ccident th

ough no f

ult of you

o

n.

The

e’s

C

tch,

ight? The

e’s Gott

Be

C

tch!

Yes, the

e’s

c

tch.

fe

of them,

ctu

lly. Still, in the gnd scheme of things, none of them should

ffect you too much if you h

ve good leg

l

ep

esent

tion f

om

n expe

ienced t

uck

ccident inju

y lye

.

The MCS-90 endo

sement only<

em> comes into pl

y in ve

y specific ci

cumst

nces. Fi

st

nd fo

emost, the t

ucking comp

ny

moto

c

ie

s opeting in inte

st

te <

em>comme

ce. Th

t me

ns it s doing business, in some fo

m o

f

shion,

c

oss st

te lines. If the t

uck comp

ny only opetes in Tex

s, MCS-90 doesn’t

pply. In f

ct, the t

ucking comp

ny in th

t c

se p

ob

bly doesn’t even c

y

n MCS-90 endo

sement on its insunce policy. If the t

ucking comp

ny

moto

c

ie

does <

em>ope

te in inte

st

te comme

ce, he

e’s

h

t the situ

tion h

s to be fo

the MCS-90 “gu

ntee” of you

d

m

ges to kick in:
  • -level=”1″>The moto

    c

    ie

    is

    t f

    ult fo

    the

    ccident<

    li>

  • i

    -level="1">The moto

    c

    ie

    ’s st

    ndd insunce policy doesn’t cove

    the

    ccident<

    li>

  • i

    -level="1">You, the inju

    ed victim, don’t h

    ve

    ny

    he

    e else to tu

    n fo

    compens

    tion<

    li>

  • i

    -level="1">You e not

    n employee o

    independent contcto

    fo

    the t

    ucking comp

    ny

    moto

    c

    ie

    <

    li>

lso, depending on ho

much comme

ci

l

uto insunce covege the moto

c

ie

c

ies, the MCS-90 h

s doll

-v

lue minimums. Keep in mind these minimums might be less th

n the

mount of money you could

ecove

f

om the insu

nce comp

ny unde

the st

ndd policy (

lthough it is common fo

the MCS-90’s m

ximum

mount to coespond to the m

ximum

mount of the unde

lying policy.)

Unde

the fedel

egul

tions gove

ning MCS-90 endo

sements,<

h

ef="https:

/

.ecf

.gov/cgi-bin/

et

ieveECF

?gp=1&

mp;ty=HTML&

mp;h=L&

mp;mc=t

ue&

mp;=P

T&

mp;n=pt49.5.387#se49.5.387_19" tget="_bl

nk”

el="noopene

nofollo

"> the li

bility minimums v

y depending on

h

t the t

uck is c

ying >. They e

s follo

s:
  • -level=”1″> ong>$750,000<

    st

    ong> fo t

    uck c

    ying non-h

    z

    dous p

    ope

    ty

  • i

    -level="1">ong>$5,000,000 ong> fo t

    uck c

    ying ce

    t

    in<

    h

    ef="https:

    /

    .fmcs

    .dot.gov/f

    qh

    t-h

    zdous-m

    te

    i

    ls-

    equi

    e-h

    zdous-m

    te

    i

    ls-s

    fety-pe

    mit” t

    get=”_bl

    nk"

    el=”noopene

    nofollo

    “> h

    zdous<> subst

    nces

  • i

    -level="1">ong>$1,000,000 ong> fo t

    uck c

    ying oil, h

    z

    dous

    ste,

    nd othe

    kinds of h

    zdous subst

    nces

  • i

    -level="1">ong>$5,000,000 ong> fo

    sm

    ll t

    ucks c

    ying ce

    t

    in specific h

    z

    dous m

    te

    i

    ls<

    li>

hy is the fi

st one so much lo

e

, you

sk? T

ucks c

ying non-h

z

dous lo

ds m

ke up most of the comme

ci

l t

uck tffic on the

o

d. If thei

limits

e

e

ny highe

it might m

ke the MCS-90 endo

sement too expensive.

Envi

onment

l

estitution Covege<

h3>
The othe

e

son the limit is so much lo

e

fo

o

diny t

ucks c

ying o

din

y p

ope

ty is bec

use the MCS-90

cts

s

gu

ntee

g

inst envi

onment

l d

m

ge, too. Cgo spills c

n be

lot <

em>

o

se

hen

t

uck c

ying “h

zdous” cgo gets into

n

ccident th

n

hen

t

uck c

ying o

diny cgo does,

nd someone h

s to p

y fo

ll th

t cle

n-up. Some t

ucking insunce policies

l

e

dy fe

tu

e

pollution exclusion,

hich

ould be modified but not tot

lly dismissed in the event of envi

onment

l

estitution covege.

Histo

y of MCS-90, T

uck

ccident, Li

bility,

nd Mo

e<

h2>
MCS-90 h

s been pt of the fedel l since the ely 1980s,

hen Cong

ess p

ssed<

h

ef=”https://

.govinfo.govpp

det

ils

USCODE-2011-title49/USCODE-2011-title49-subtitleIV-p

tB-ch

p131-sec13101" tget="_bl

nk”

el="noopene

nofollo

"> The Fedel Moto

C

iect of 1980<>

nd the executive b

nch p

ssed<

h

ef="https:

/

.ecf

.gov/cgi-bin/

et

ieveECF

?gp=1&

mp;ty=HTML&

mp;h=L&

mp;mc=t

ue&

mp;=P

T&

mp;n=pt49.5.387#se49.5.387_19" tget="_bl

nk”

el="noopene

nofollo

">

egul

tions<> in

cco

d

nce

ith it. Since 2000, the FMCS

h

s been the fedel

gency in ch

ge of enfo

cing those

egul

tions,

hich include

egisttion of moto

c

ie

s

nd p

oof of “fin

nci

l

esponsibility” (th

t is, demonst

ting th

t they h

ve the

bility to p

y fo

d

m

ge they c

use to the public in the cou

se of doing business in inte

st

te comme

ce.)

MCS-90 endo

sements e by f the most common y fo

moto

c

ie

s to p

ove thei

fin

nci

l

esponsibility fo

d

m

ges

esulting f

om t

uck

ccidents. The

e

e, ho

eve

, t

o othe

ys c

ie

s c

n p

ove they h

ve the dough to p

y d

m

ges. One is

“su

ety” bond,

nd the othe

“self insu

nce.”

su

ety bond is

p

omise fo

one pty to p

y on beh

lf of

nothe

pty if they f

il to hold up thei

end of

n

g

eement. The

e e potenti

l complic

tions involved

ith

eso

ting to this so

t of secu

ity fo

d

m

ges

hen

moto

c

ie

doesn’t h

ve

n MCS-90 endo

sement on its insunce policy. Unlike

ccidents the insu

nce policy cove

s,

n insu

nce comp

ny typic

lly does not h

ve

leg

l oblig

tion to p

y fo

the

tto

neys fo

the moto

c

iehen

n MCS-90 endo

sement comes into pl

y. (It might be in the insu

nce comp

ny’s inte

est to do so, ho

eve

, since

h

teve

it p

ys unde

n MCS-90, it

ill nt to

ecove

f

om the moto

c

ie

.)

s

esult,

moto

c

ie

th

t h

s to

eso

t to its MCS-90 to p

y d

m

ges in

n

ccident might be slo

e

th

n usu

l to get leg

l help, o

it might end up

et

ining

l

ye

less f

mili

ith t

uck

ccident issues th

n the l

ye

the insunce comp

ny

ould’ve chosen. Believe it o

not, th

t poses ch

llenges fo

you

l

ye

, too, so you need

n expe

ienced t

uck

ccident

tto

ney on you

side to help guide the p

ocess of

ecove

ing MCS-90 money. Fin

lly, MCS-90s c

n get t

icky bec

use they’

e only t

igge

ed by the insu

nce policy to

hich they’

e

tt

ched

hen not <

em>cove

ing

n

ccident.

hethe

n insu

nce policy cove

s

n

ccident usu

lly comes do

n to t

o f

cto

s:

h

t the policy s

ys,

nd

h

t st

te’s l

pplies to the policy.

Even

hen comme

ci

l t

ucking insu

nce policies h

ve mo

e-o

-less “st

nd

d” l

ngu

ge, eve

y st

te h

s its o

n l

s

bout ho

cou

ts c

n inte

p

et

nd enfo

ce insu

nce policies. You need

n expe

ienced l

ye

to figu

e out

hich l

pplies to

policy

nd ho

th

t l

ffects

hethe

n

ccident is cove

ed o

not.

I s Hu

t in

T

uck

ccident.

h

t Should I Do No

?

In

ny

ccident, you

nt to p

otect youights

nd inc

e

se you

ch

nces of collecting compens

tion. He

e

e the most impo

t

nt steps to t

ke

fte

t

uck csh:
  1. -level=”1″> ong>C

    ll 911 ong>. Fi

    st

    nd fo

    emost, m

    ke su

    e you see

    doctond get the he

    lthc

    e t

    e

    tment you need. Not only is this the most impo

    t

    nt thing fo

    you

    nd you

    f

    mily, but the

    eco

    ds of the medic

    l t

    e

    tment you

    eceive c

    n be c

    uci

    l evidence used to p

    ove ho

    much money the pe

    son

    ho c

    used the

    ccident o

    es you.

    lys p

    io

    itize he

    lth

    nd s

    fety

    fteny

    uto

    ccident. Even if you don’t think you need eme

    gency c

    e, you should still c

    ll 911 so police c

    n

    espond to the scene

    nd c

    e

    te

    n

    ccident

    epo

    t.

  2. i

    -level="1">ong>Exch

    nge info

    m

    tion<

    st

    ong>. Get the n

    me of the t

    uckend thei

    employe

    offili

    te comp

    ny.

    eco

    d thei

    license info, insu

    nce info, license pl

    te numbe

    s,

    nd m

    ke

    nd model of

    ll vehicles involved.

  3. i

    -level="1">ong>Collect evidence ong>. The most impo

    t

    nt step! T

    ke photog

    phs of you

    inju

    ies, d

    m

    ge to you

    vehicle,

    ny othe

    vehicles involved, deb

    is o

    cgo,

    nd the su

    ounding

    e

    .<

    li>

  4. i

    -level="1">ong>C

    ll you

    insu

    nce comp

    ny<

    st

    ong>. Tell them you've been in

    n

    ccident

    nd p

    ovide them

    ith the f

    cts such

    s the time

    nd loc

    tion.

  5. i

    -level="1">ong>Consult

    t

    uck

    ccident lye

    ong>. M

    ny pe

    son

    l inju

    y lye

    s p

    ovide f

    ee c

    se ev

    lu

    tions.

    hethe

    you hi

    e them o

    not, thei

    input c

    n help you pl

    n you

    next steps! Schedule

    n

    ppointment

    ith

    n expe

    ienced t

    uck

    ccident

    tto

    ney to discuss you

    ight to compens

    tion

    s soon

    s you’

    e

    ble.<

    li>

e kno

t

lking

ith

lye

might not seem like

top p

io

ity, but

s the info

m

tion

bout MCS-90 endo

sements

bove should tell you, t

uck

ccidents c

n be mighty complic

ted. The soonen

tto

ney c

n get st

ted p

otecting you

leg

l

ights to compens

tion

nd investig

ting the f

ctu

l

nd leg

l

spects of the

ccident, the bette

off you

ill be. Fin

lly, he

e’s something you shouldn’t <

em>do: Don’t sign

nything og

ee to

ny settlement offe

f

om

ny p

ty to the c

se until you’ve t

lked to

n

tto

ney

ho is f

mili

ith t

uck

ccident l

! T

ucking comp

nies

nd thei

insu

e

s

e not on you

side. They might t

y to get you to t

ke

quick settlement offe

to limit thei

exposu

e, pticully if the insunce comp

ny is

oied th

t it is going to h

ve to p

y you unde

n MCS-90 endo

sement. They don’t nt to go th

ough the h

ssle of follo

ing up

ith thei

custome

in pu

suit of

eimbu

sement the custome

p

ob

bly c

n’t

ffo

d!

e unde

st

nd it might be tempting to

ccept the fi

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