The Importance of MCS-90

If you were injured in a crash involving a commercial truck, an endorsement known as an MCS 90 can significantly affect the damages you may be able to recover. MCS-90s only apply to the commercial trucking industry and so, the majority of drivers do not know about them. An MCS-90 is a specific type of insurance coverage that truck drivers and commercial trucking companies must maintain in the event of certain types of accidents. Below, our San Antonio truck accident lawyer explains further.

What is an MCS-90 Endorsement? 

An MCS-90 endorsement is required for the majority of trucking companies within the United States. In insurance terminology, an ‘endorsement’ is an add-on to a standard insurance policy. A ‘motor carrier’ is defined as any company that transports passengers or cargo for a profit.

Motor carriers that deal in interstate commerce, meaning they transport across state lines, are required to purchase and maintain the MCS-90 endorsement. Motor carriers that fail to carry the endorsement, or allow the endorsement to lapse, can result in fines from the U.S. Department of Transportation. Generally speaking, all trucking companies must carry the MCS-90 endorsement. If you were hurt in a trucking accident, coverage from the MCS-90 could then be available as part of the insurance claim process.

An MCS-90 endorsement is associated with public liability in case of an accident. Although the endorsement does not provide additional coverage within a policy, it makes amendments to a standard commercial auto insurance policy. The endorsement gives accident victims a guarantee that if they are hurt in a trucking accident, they may be entitled to financial compensation for their injuries. This remains true even if the initial policy did not cover the commercial truck or driver involved.

How an MCS-90 Endorsement Impacts Accident Victims 

An MCS-90 endorsement will not apply in all truck accidents. However, it may apply if the standard policy does not cover the accident. For example, you may have been hurt in a trucking accident involving a trucker who was acting in a certain way not covered by the insurance policy.

In the above example, suing the truck driver or the trucking company likely will not yield results. In this scenario, the MCS-90 endorsement may provide a way for you to obtain the coverage you need. With an MCS-90 endorsement, the insurer essentially agrees to accept liability for nearly any type of claim filed by motorists injured by one of the company’s trucks, even in the event that the standard insurance policy would not normally pay.

Our Truck Accident Lawyer in San Antonio Can Help with Your Case 

While MCS-90 coverage is available, it only applies in specific situations. However, it can be an important resource for obtaining the financial compensation necessary after a serious crash. At the Law Office of Israel Garcia, our San Antonio truck accident lawyer can determine if coverage through the endorsement is available and guide you through the process so it is as easy as possible for you. Call us now at 210-LAW-9999 or contact us online to schedule a free consultation and to learn more about how we can help with your case.

Source:

fmcsa.dot.gov/registration/form-mcs-90-endorsement-motor-carrier-policies-insurance-public-liability-under