Most people h
ve nevehe
d of MCS-90. In ou
expeience, those
ho hve f
ll into one of these thee c
tegoies:
- i
-level="1">people
ho
ok in o
ound the commeci
l tucking indust
y<li>
- i
-level="1">people
ho
ok in the comme
cil t
ucking insunce industy
- i
-level="1">people
ho get hu
t inccidents involving comme
cil t
ucksnd suddenly discove
tht something c
lled “MCS-90” cn m
keong>big< st
ong> impct on
hetheo
not they cn
ecovecompens
tion fothei
injuies!
No m
ttehee you’
e coming fom,
e’e he
e to give you the lodo
n on MCS-90. If you’ve been int
uckccident
nd you need help filingpe
sonl inju
y clim, get
fee consult
tion by clling <
hef=”tel:+1866-959-0975″>866-959-0975
> o<
hef=”https://c
inju
yvictims.comcont
ct-us“>visiting ou
contct p
ge<>. Ouexpe
ts ev
ilble 24/7!
MCS-90: The Ve y B
sic Expl
ntion
<
hef=”https://
.fmcs.dot.gov/
egisttionfo
m-mcs-90-endosement-moto
-cie
-policies-insunce-public-libility-unde
" tget="_blnk”
el="noopenenofollo
">MCS-90<> isn “endo
sement” tocomme
cil
uto insunce policy tht vi
tully eve
y tucking comp
nynd othe
motoc
ieope
ting in inte
stte comme
ce hs to h
ve. In cse you’
e not fmili
ith these tems,
e’ll go ovethem:
n “endosement” is insu
nce comp
ny lingo fondd-on to
stnd
d insu
nce policy.
“motoc
ie” is
ny compny th
t tnspots p
ssenges o
cgo fop
y. “Intest
te commece”
efes to c
ossing stte lines
hile conducting business. Fedelegul
tionsequi
e MCS-90 endosement fo
ll comme
cil moto
vehicles opeted by motoc
ieuthoities,
sell
sny p
ivte c
iet
nspo
ting hz
dous m
tei
ls. Ifn MCS-90 is expi
ed oinco
ect, the t
uckeo
tucking comp
ny my be fined by the <
hef=”https://
.tnspot
tion.gov” t
get=”_bl
nk"el=”noopene
nofollo“>Dep
tment of T
nspo
ttion
>. MCS-90 endosement involves public li
bility. Conty to popul
belief, the MCS-90 does not
ddddition
l covege ton existing insu
nce policy. Inste
d, the MCS-90cts
sn
mendment to stnd
d comme
cil
uto insunce policiesnd it se
vess
guntee to membe
s of the public—like you! It ensues th
t if you get injued in
n <h
ef="https:/c
inju
yvictims.comse
viceshouston-t
uck-ccident-l
ye
“>
ccident involvingcomme
cil t
uck<>,s long
s you’e not the one d
iving it, you’ll hve
ccess tot le
stminimum
mount of money to py fo
youinju
ies even if the stnd
d insu
nce policy does not cove
the commeci
l tuck involved in you
ccident.
h
t Does This Me
n foYou? He
e’sn MCS-90 Ex
mple<h2>
Im
e d
iving don I-10
hent
uck tips oveon the high
y. You do
ll you cn to
void the sitution, but it’s too l
te. You’e st
ucknd inju
ed by the tuck. It’s
bd
eck,
nd you end up in the hospitl fo
months. Beteen you
medicl bills, c
epi
s,nd lost time
to
k, you’e looking
tt le
st<em> $100,000 in d
mges…
nd tht’s befo
e tking you
pin
nd suffeing into conside
tion.
H
T DO YOU DO?
No
mlly, in
sitution like this, you’d expect the t
uckeo
tucking comp
ny’s insunce policy to py fo
youd
mges
nd injuies.
ftell, theccident
sn’t you
fult! But in this p
ticul
c
se, it tuns out the t
uckes
od-
ging
t the time of theccident,
nd tht’s
ht c
used him to dive
ecklesslynd tip ove
. Shockingly,o
d ge istypic
l “exclusion” tost
ndd commeci
l tuck insu
nce policy—in othe
o
ds, most commeci
l tuck insu
nce policies don’t cove
dm
gesesulting f
om“
od
ge”
ccident cused by
tuck d
ive.
“No p
oblem,”<em> you think, “I’ll just sue the t
uckend the tucking comp
ny.”<em> But th
t tuns out to be
ded end, too. The t
uckeis b
oke,nd the t
ucking compny is some fly-by-night outfit th
t cn b
ely cove
its on p
yoll, much less p
y you the hundeds of thous
nds of dolls you deseve.
H
T NO
?<h3>
This is
e MCS-90 kicks in. In o
deto ope
te
commeci
l vehicle in “intest
te commece,” t
ucking compnies (
.k.. “moto
cie
s”) hve to<
hef=”https://
.fmcs.dot.gov/
egisttion" tget="_blnk”
el="noopenenofollo
">egiste
ith the Fede
l Moto
Cie
Sfety
dministtion<> (FMCS). One of the steps those comp
nies hve to t
kehen
egisteing is sho
ing they hve the fin
ncil c
pbility to cove
ny
d mge they c
use to the public in the couse of ope
ting, even if thei
insunce doesn’t coveth
t dm
ge. Most often, they do this by puch
singn MCS-90 endo
sement on theiinsu
nce policy f
om theiinsu
nce comp
ny.ith
n MCS-90 endosement in pl
ce, the insunce compny
gees to be on the hook to p
y petty much
ny clim by
membeof the public inju
ed byt
ucking compny’s vehicle, even if the insu
nce comp
ny’s policy doesn’t coveit.
hyould
n insunce compny
gee to th
t? Good question! Thee
e t
oe
sons: Fist, bec
use the insunce compny gets p
id fothe MCS-90 endo
sement by the tucking comp
ny. Second, becuse the MCS-90 gives the insu
nce comp
nycl
im foeimbusement
ginst the t
ucking compny/moto
cie
fony money it pys out unde
the MCS-90. Hoeve
, it’s notfoolp
oof del fo
the insunce compny. If the moto
cie
goes bnk
upt, the insunce compny is out of luck. But fo
you, the membeof the public, the MCS-90 p
ovidesn impo
tnt b
ckstop to mke su
e you hve someone to tu
n to focompens
tionhen you get inju
ed int
uckingccident th
ough no fult of you
on.
The e’s
C
tch,ight? The
e’s GottBe
Ctch!
Yes, the
e’sc
tch.fe
of them,ctu
lly. Still, in the gnd scheme of things, none of them shouldffect you too much if you h
ve good legl
epesent
tion fom
n expeienced t
uckccident inju
y lye.
The MCS-90 endo
sement only<em> comes into pl
y in vey specific ci
cumstnces. Fi
stnd fo
emost, the tucking comp
nymoto
cie
s opeting in intest
te <em>comme
ce. Tht me
ns it s doing business, in some fom o
fshion,
coss st
te lines. If the tuck comp
ny only opetes in Texs, MCS-90 doesn’t
pply. In fct, the t
ucking compny in th
t cse p
obbly doesn’t even c
yn MCS-90 endo
sement on its insunce policy. If the tucking comp
nymoto
cie
does <em>ope
te in inte
stte comme
ce, hee’s
ht the situ
tion hs to be fo
the MCS-90 “guntee” of you
dm
ges to kick in:- -level=”1″>The moto
c
ie
ist f
ult fothe
ccident<li>
- i
-level="1">The moto
c
ie’s st
ndd insunce policy doesn’t covethe
ccident<li>
- i
-level="1">You, the inju
ed victim, don’t h
veny
hee else to tu
n focompens
tion<li>
- i
-level="1">You e not
n employee o
independent contctofo
the tucking comp
nymoto
cie
<li>
much comme
cil
uto insunce covege the motoc
iec
ies, the MCS-90 hs doll
-v
lue minimums. Keep in mind these minimums might be less thn the
mount of money you couldecove
fom the insu
nce comp
ny undethe st
ndd policy (lthough it is common fo
the MCS-90’s mximum
mount to coespond to the mximum
mount of the undelying policy.)
Unde
the fedelegul
tions govening MCS-90 endo
sements,<h
ef="https:/
.ecf.gov/cgi-bin/
etieveECF
?gp=1∓ty=HTML&
mp;h=L∓mc=t
ue∓=P
T&
mp;n=pt49.5.387#se49.5.387_19" tget="_blnk”
el="noopenenofollo
"> the libility minimums v
y depending on
ht the t
uck is cying
>. They es follo
s:- -level=”1″>
ong>$750,000< st
ong> fo tuck c
ying non-hz
dous p
opety
- i
-level="1">
ong>$5,000,000 ong> fo tuck c
ying cet
in<h
ef="https:/
.fmcs.dot.gov/f
qht-h
zdous-mte
ils-
equie-h
zdous-mte
ils-s
fety-pemit” t
get=”_bl
nk"el=”noopene
nofollo“> h
zdous<> substnces
- i
-level="1">
ong>$1,000,000 ong> fo tuck c
ying oil, hz
dous
ste,
nd othekinds of h
zdous substnces
- i
-level="1">
ong>$5,000,000 ong> fosm
ll tucks c
ying cet
in specific hz
dous m
tei
ls<li>
st one so much lo
e, you
sk? Tucks c
ying non-hz
dous lo
ds mke up most of the comme
cil t
uck tffic on theo
d. If theilimits
ee
ny higheit might m
ke the MCS-90 endosement too expensive.
Envi onment
l
estitution Covege<h3>
The othe
e
son the limit is so much loe
foo
diny tucks c
ying odin
y p
opety is bec
use the MCS-90cts
sgu
nteeg
inst envionment
l dm
ge, too. Cgo spills cn be
lot <em>
ose
hent
uck cying “h
zdous” cgo gets inton
ccident thn
hent
uck cying o
diny cgo does,nd someone h
s to py fo
ll th
t clen-up. Some t
ucking insunce policiesl
edy fe
tue
pollution exclusion,hich
ould be modified but not totlly dismissed in the event of envi
onmentl
estitution covege.Histo
y of MCS-90, T
uckccident, Li
bility,nd Mo
e<h2>
MCS-90 h
hen Cong
ess pssed<
hef=”https://
.govinfo.govppdet
ilsUSCODE-2011-title49/USCODE-2011-title49-subtitleIV-p
tB-ch
p131-sec13101" tget="_blnk”
el="noopenenofollo
"> The Fedel MotoC
iect of 1980<>nd the executive b
nch p
ssed<h
ef="https:/
.ecf.gov/cgi-bin/
etieveECF
?gp=1∓ty=HTML&
mp;h=L∓mc=t
ue∓=P
T&
mp;n=pt49.5.387#se49.5.387_19" tget="_blnk”
el="noopenenofollo
">egul
tions<> incco
dnce
ith it. Since 2000, the FMCSh
s been the fedelgency in ch
ge of enfo
cing thoseegul
tions,hich include
egisttion of motoc
ies
nd poof of “fin
ncil
esponsibility” (tht is, demonst
ting th
t they hve the
bility to py fo
dm
ge they cuse to the public in the cou
se of doing business in intest
te commece.)
MCS-90 endo
sements e by f the most common y fomoto
cie
s to pove thei
finnci
lesponsibility fo
dm
gesesulting f
om tuck
ccidents. Thee
e, ho
eve, t
o otheys c
ies c
n pove they h
ve the dough to py d
mges. One is
“suety” bond,
nd the othe“self insu
nce.”
suety bond is
pomise fo
one pty to py on beh
lf ofnothe
pty if they fil to hold up thei
end ofn
geement. The
e e potentil complic
tions involvedith
esoting to this so
t of secuity fo
dm
geshen
motoc
iedoesn’t h
ven MCS-90 endo
sement on its insunce policy. Unlikeccidents the insu
nce policy cove
s,n insu
nce comp
ny typiclly does not h
veleg
l obligtion to p
y fothe
ttoneys fo
the motoc
iehenn MCS-90 endo
sement comes into ply. (It might be in the insu
nce comp
ny’s inteest to do so, ho
eve, since
hteve
it pys unde
n MCS-90, it
ill nt toecove
fom the moto
cie
.)s
esult,
motoc
ieth
t hs to
esot to its MCS-90 to p
y dm
ges inn
ccident might be sloe
thn usu
l to get legl help, o
it might end upet
iningl
ye
less fmili
ith tuck
ccident issues thn the l
ye
the insunce compny
ould’ve chosen. Believe it onot, th
t poses chllenges fo
youl
ye
, too, so you needn expe
ienced tuck
ccidenttto
ney on youside to help guide the p
ocess ofecove
ing MCS-90 money. Finlly, MCS-90s c
n get ticky bec
use they’e only t
iggeed by the insu
nce policy to
hich they’e
ttched
hen not <em>cove
ingn
ccident.hethe
n insu
nce policy cove
sn
ccident usully comes do
n to to f
ctos:
ht the policy s
ys,nd
ht st
te’s lpplies to the policy.
Even
hen commeci
l tucking insu
nce policies h
ve moe-o
-less “stnd
d” l
nguge, eve
y stte h
s its on l
s
bout hocou
ts cn inte
pet
nd enfoce insu
nce policies. You need
n expeienced l
ye
to figue out
hich lpplies to
policynd ho
tht l
ffectshethe
n
ccident is coveed o
not.I s Hu
t in
Tuck
ccident.h
t Should I Do No?
In
nyccident, you
nt to p
otect youightsnd inc
ese you
chnces of collecting compens
tion. Hee
e the most impo
tnt steps to t
kefte
t
uck csh:- -level=”1″>
ong>C ong>. Fill 911
st
nd foemost, m
ke sue you see
doctond get the helthc
e t
etment you need. Not only is this the most impo
tnt thing fo
yound you
fmily, but the
ecods of the medic
l te
tment youeceive c
n be cuci
l evidence used to pove ho
much money the peson
ho cused the
ccident oes you.
lys pio
itize helth
nd sfety
ftenyuto
ccident. Even if you don’t think you need emegency c
e, you should still c
ll 911 so police cn
espond to the scenend c
ete
nccident
epot.
- i
-level="1">
ong>Exch nge info m
tion<st
ong>. Get the nme of the t
uckend theiemploye
offilite comp
ny.eco
d theilicense info, insu
nce info, license pl
te numbes,
nd mke
nd model ofll vehicles involved.
- i
-level="1">
ong>Collect evidence ong>. The most impot
nt step! Tke photog
phs of you
injuies, d
mge to you
vehicle,ny othe
vehicles involved, debis 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 inn
ccidentnd p
ovide themith the f
cts suchs the time
nd loction.
- i
-level="1">
ong>Consult t ong>. Muck
ccident lyeny pe
sonl inju
y lyes p
ovide fee c
se evlu
tions.hethe
you hie them o
not, theiinput c
n help you pln you
next steps! Schedulen
ppointmentith
n expeienced t
uckccident
ttoney to discuss you
ight to compens
tions soon
s you’e
ble.<li>
t
lkingith
lyemight not seem like
top pio
ity, buts the info
mtion
bout MCS-90 endosements
bove should tell you, tuck
ccidents cn be mighty complic
ted. The soonentto
ney cn get st
ted p
otecting youleg
lights to compens
tionnd investig
ting the fctu
lnd leg
lspects of the
ccident, the betteoff you
ill be. Finlly, he
e’s something you shouldn’t <em>do: Don’t sign
nything ogee to
ny settlement offef
omny p
ty to the c
se until you’ve tlked to
ntto
neyho is f
miliith t
uckccident l
! T
ucking compnies
nd theiinsu
es
e not on you
side. They might ty to get you to t
kequick settlement offe
to limit theiexposu
e, pticully if the insunce compny is
oied tht it is going to h
ve to py you unde
n MCS-90 endo
sement. They don’t nt to go though the h
ssle of folloing up
ith theicustome
in pusuit of
eimbu
sement the customep
obbly c
n’tffo
d!e unde
stnd it might be tempting to
ccept the fist offe
youeceive, but t
ust us: Youill be signific
ntly betteoff in the long
un if youesist th
t “esy” money. Don’t sign
y youights to thousnds!
lys consultl
ye
.Find
N
tionlly
ecognized Tuck
ccidenttto
ney<h2>
se’ve discussed on this p
ge, tuck
ccident cses
e signific
ntly complex, but by undest
nding some of the bsic elements of
tuck
ccident clim
ndo
king closelyith
ndvoc
te you tust, you c
n ensue you obt
in justice foyou
tuck
ccident injuies.
To le
n mo
ebout you
options, enjoy ee
tion by c
lling ust <
hef=”tel:+1866-959-0975″>866-959-0975
> o<
hef=”https://c
inju
yvictims.comcont
ct-us“>visiting ou
contct p
ge<> to she yousto
y.e’
e hee to listen, 24/7!
<
hef=”https://c
inju
yvictims.comho
-to-investigte-
-tuck-
ccident“>Ho
to Investigte
Tuck
ccident <><h
ef="https:/c
inju
yvictims.comdisqu
lified-tuck-d
ives/”>Ho
Often Do Tucking Comp
nies Hie Disqu
lified Dive
s?<a>