BIPD insurance cancellation reinstatement
Reviewed by Korey Sharp-Paar · Updated
Your BMC-91 BIPD insurance was canceled or non-renewed and FMCSA suspended your operating authority under 49 CFR Part 387. Your FMCSA reinstatement request is prepared for you for a $220 service fee plus the $80 FMCSA reinstatement fee ($300 total, itemized as two separate amounts), once your new BMC-91 is on file with FMCSA. Submitted to FMCSA by you or a filer you authorize. FMCSA controls the timing.
The lapsed-insurance suspension cycle
Lapsed-insurance suspensions are a common FMCSA enforcement action - the trigger is automatic (insurer files cancellation, FMCSA processes it, suspension takes effect), and the fix follows the same path in reverse (new insurer files BMC-91, FMCSA processes the new filing and reviews the reinstatement request). The carrier's job is to bind new coverage and ensure the new insurer files BMC-91 electronically.
See our lapsed-insurance reinstatement guide for the substantive flow and why MC numbers get revoked.
What our service covers
- FMCSA reinstatement request prepared for you once the new BMC-91 is on file, with the $80 FMCSA fee itemized as its own line
- Submitted to FMCSA by you or a filer you authorize.
- Coordination with the new insurer on BMC-91 e-filing
- Login.gov account recovery help at no extra cost
- Status monitoring until FMCSA acts on the request
- BOC-3 status verification - flag if also lapsed during the suspension window
Pricing
MC authority reinstatement: $220 service fee + $80 FMCSA fee = $300 total. The FMCSA fee is its own line, paid to FMCSA. DOT out-of-service reinstatement: $200 service fee, no FMCSA fee.
| Item | Paid to | Amount |
|---|---|---|
| DOT out-of-service reinstatement: service feePreparing the request to lift an out-of-service order on your USDOT number. FMCSA charges no reinstatement fee for this service. | Fast Filing Group LLC | $200 |
| DOT out-of-service reinstatement total (service fee only) | $200 | |
| MC authority reinstatement: service feePreparing the request to reinstate revoked MC operating authority. | Fast Filing Group LLC | $220 |
| MC authority reinstatement: FMCSA reinstatement feeSet by FMCSA (49 CFR 360.3T). Charged as its own line and paid to FMCSA with the request. | FMCSA | $80 |
| MC authority reinstatement total (service fee + FMCSA fee) | $300 | |
FMCSA charges an $80 fee to reinstate revoked MC operating authority (49 CFR 360.3T). For MC reinstatement, our $220 service fee and the $80 FMCSA fee are itemized as two separate amounts before you pay ($300 total). DOT out-of-service reinstatement is a $200 service fee with no FMCSA fee.
BIPD cancellation questions
Why does FMCSA suspend authority for insurance lapse?
49 CFR Part 387 requires every motor carrier with active operating authority to maintain primary financial-responsibility coverage (BMC-91 for property carriers, BMC-91X for auto-only, BMC-84/85 for brokers). When the insurer cancels or non-renews the policy, the insurer files a 30-day cancellation notice with FMCSA (Form BMC-35 under 49 CFR §387.313(d)). If replacement coverage is not on file when the cancellation takes effect, the carrier-status flips to NOT AUTHORIZED. The suspension is automatic - no FMCSA-side review required.
How long does reinstatement take after a BIPD lapse?
The reinstatement depends on the new BMC-91 filing. Once you have new insurance bound and the new insurer files the BMC-91 electronically, your reinstatement request can be submitted. FMCSA reviews the request once the cause is cured and decides whether to reinstate; FMCSA controls that decision and how long its review takes.
Do I need to refile BOC-3 too?
Generally no - BOC-3 is independent of BMC-91 and stays valid through an insurance lapse. The exception is if the lapse was prolonged enough that the original BOC-3 process agent lost its FMCSA blanket process-agent registration during the gap (sometimes happens with smaller agents). Verify the BOC-3 status in FMCSA's Motus public search (by USDOT number or company name) as part of the reinstatement; refile if needed (a separate $75 BOC-3 order at Fast Trucking Compliance).
Other reinstatement contexts
You might also need
- BOC-3 refile if lapsed - Order a BOC-3
- UCR registration - UCR registration overview
Start your reinstatement request
We prepare your reinstatement request; it is submitted to FMCSA by you or a filer you authorize. FMCSA charges an $80 fee to reinstate revoked MC operating authority (49 CFR 360.3T). For MC reinstatement, our $220 service fee and the $80 FMCSA fee are itemized as two separate amounts before you pay ($300 total). DOT out-of-service reinstatement is a $200 service fee with no FMCSA fee.
Submitted to FMCSA by you or a filer you authorize.
Independent filing service operated by Fast Filing Group LLC. Not affiliated with FMCSA, USDOT or any government agency.