Glossary · updated October 31, 2026
BMC-91 Insurance Lapse
Also known as: Insurance Lapse, BMC-91X Lapse, BIPD Lapse
By Korey Sharp-Paar · Reviewed by the Fast Trucking Compliance team
Definition
A BMC-91 insurance lapse is the most common cause of operating-authority revocation. It happens when the carrier’s public-liability (BIPD) insurance on file with FMCSA, proven by Form BMC-91 or BMC-91X, is cancelled or expires and no replacement filing is made. After the insurer files a cancellation, FMCSA allows a grace window of about 30 days; if no new BMC-91 or BMC-91X is on record by then, the authority is revoked. Reinstatement requires an active insurance filing back on record first. That filing is made by the carrier’s insurer, and the premium is paid to the insurer, separate from the FMCSA reinstatement fee.
Read more
Insurance Lapse Reinstatement: BMC-91 Refile Process (2026)Insurance lapse is a common cause of FMCSA revocation. Walk through BMC-91 refile, the 30-day cancel window, 49 CFR §387 cure path.
Related terms
- BMC-91 / BMC-91X
- Insurance Grace Period(30-Day Insurance Grace Period)
- Insurance Reinstatement(Reinstating Insurance Filing)
- Revocation(Authority Revocation)