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

Most people h

ve neve

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

n on MCS-90. If you’ve been in

uck

ccident

nd you need help filing

son

l inju

y cl

im, get

ee consult

tion by c

lling <

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

ef=”https://c

inju

yvictims.com

cont

ct-us

“>visiting ou

cont

ct p

ge<>. Ou

expe

ts e

ble 24/7!

MCS-90: The Ve
y B
sic Expl
n
tion

ef=”https://

.fmcs

.dot.gov/

egisttion

m-mcs-90-endo

sement-moto

-c

-policies-insunce-public-li

bility-unde

" tget="_bl

nk”

el="noopene

nofollo

">MCS-90<> is

n “endo

sement” to

comme

uto insunce policy th

t vi

lly eve

y t

ucking comp

nd othe

moto

ope

ting in inte

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

d insu

nce policy.

“moto

” is

ny comp

ny th

t tnspo

ts p

ssenge

s o

cgo fo

y. “Inte

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

l moto

vehicles opeted by moto

ieutho

ities,

ell

ny p

te c

nspo

ting h

dous m

ls. If

n MCS-90 is expi

ed o

inco

ect, the t

ucke

ucking comp

ny m

y be fined by the <

ef=”https://

.tnspo

tion.gov

” t

get=”_bl

nk"

el=”noopene

nofollo

“>Dep

tment of T

nspo

tion >. MCS-90 endo

sement involves public li

bility. Cont

y to popul

belief, the MCS-90 does not

ddition

l covege to

n existing insu

nce policy. Inste

d, the MCS-90

cts

mendment to st

d comme

uto insunce policies

nd it se

ves

ntee to membe

s of the public—like you! It ensu

es th

t if you get inju

ed in

n <

ef="https:

inju

yvictims.com

vices

houston-t

uck-

ccident-l

“>

ccident involving

comme

l t

uck<>,

s long

s you’

e not the one d

iving it, you’ll h

ccess to

t le

minimum

mount of money to p

y fo

you

inju

ies even if the st

d insu

nce policy does not cove

the comme

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:

-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.

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.

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>

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.

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
st offe
you
eceive, but t
ust us: You
ill be signific
ntly bette
off in the long
un if you
esist th
t “e
sy” money. Don’t sign
y youights to thous
nds!
lys consult
l

ye
.
Find
N
tion
lly
ecognized T
uck
ccident
tto
ney<
h2>
s
e’ve discussed on this p
ge, t
uck
ccident c
ses

e signific
ntly complex, but by unde
st
nding some of the b
sic elements of
t
uck
ccident cl
im
nd
o
king closely
ith
n
dvoc
te you t
ust, you c
n ensu
e you obt
in justice fo
you
t
uck
ccident inju
ies.

To le

n mo
e
bout you
options, enjoy
ong>f
ee ong>consult
tion by c
lling us
t <
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<> to she you
sto
y.
e’
e he
e to listen, 24/7!

<
h
ef=”https://c

inju
yvictims.com
ho
-to-investig
te-
-t
uck-
ccident
“>Ho
to Investig
te
T
uck
ccident <><
h
ef="https:
/c

inju
yvictims.com
disqu
lified-t
uck-d
ive
s/”>Ho
Often Do T
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MCS-90: The Ve y Bsic Expl ntion

HT DO YOU DO?

The e’s C tch, ight? The e’s Gott Be Ctch!

I s Hut in Tuck ccident. h t Should I Do No?

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MCS-90: The Ve
y B
sic Expl
n
tion

H
T DO YOU DO?

The
e’s
C
tch,
ight? The
e’s Gott
Be
C
tch!

I s Hu
t in
T
uck
ccident.
h
t Should I Do No
?