What does 49 CFR 387.15 (Forms) require?

Short answer

49 CFR 387.15 requires that endorsements for policies of insurance and surety bonds be in a prescribed form and specify continuous coverage. The forms, MCS-90 and MCS-82, are available on the FMCSA website.

The rule says

"Endorsements for policies of insurance (Form MCS-90) and surety bonds (Form MCS-82) must be in the form prescribed by the FMCSA and approved by the OMB." (49 CFR 387.15)

"Endorsements to policies of insurance and surety bonds shall specify that coverage thereunder will remain in effect continuously until terminated, as required in 387.7 of this subpart." (49 CFR 387.15)

In plain English

This means that motor carriers need to use the correct forms for their insurance and surety bonds, and those forms must include a statement that the coverage will stay in effect until it's terminated. In a real-world scenario, this would mean that a carrier's insurance policy or surety bond would need to be updated to include this language, and the carrier would need to ensure that their coverage doesn't lapse.

What to do

• Use the prescribed forms, MCS-90 and MCS-82, for insurance and surety bond endorsements.
• Ensure that the endorsements specify continuous coverage until termination.
• Check the FMCSA website for the most up-to-date versions of the forms.
• Verify that the forms are approved by the OMB and meet the requirements of 49 CFR 387.15.