Missouri Code of State Regulations › Title 7 - MISSOURI DEPARTMENT OF TRANSPORTATION › Division 265 - Motor Carrier and Railroad Safety › Chapter 10 - Motor Carrier Operations › Section 7 CSR 265-10.030 - Insurance

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This amendment updates the rule to match the
				  commission's current practice of accepting proof of insurance electronically
				  only.
(1) Proof of Coverage
				and Minimum Limits of Public Liability for Intrastate Carriers. Every motor
				carrier operating any motor vehicle in intrastate commerce by authority of the
				commission shall at all times have on file with and approved by the commission
				proof of public liability insurance or bond for the limits of liability as
				required by the commission. The proof of public liability insurance shall state
				that the insurer has issued to the motor carrier a policy of insurance which by
				endorsement provides automobile bodily injury and property damage liability
				insurance covering the obligations imposed upon the motor carrier by the
				provisions of the laws of this state. A completed and executed endorsement
				shall be attached to the public liability insurance policy and form a part of
				it and amends the insurance policy to which it is attached to assure compliance
				with this rule by the motor carrier. A true copy of the insurance policy with
				the endorsement attached shall be maintained at the motor carrier's principal
				place of business, and produced upon request for inspection by the commission.
				An executed surety bond may be accepted in lieu of a certificate of public
				liability insurance.
(2) Filing
				Proof of Insurance. The insurance company or its authorized underwriter shall
				electronically file proof of insurance on behalf of a motor carrier using the
				commission's secure the MoDOT Carrier Express business application. Upon
				request of the commission, any insurance company that has filed or offers to
				file proof of insurance shall furnish evidence satisfactory to the commission
				that the insurance company issuing the policy or bond is duly authorized to
				transact business in Missouri and to issue the policy offered, and that it is
				financially able to meet its obligations.
(3) Proof of Coverage of Cargo Liability for
				Transportation of Household Goods. Each vehicle while transporting household
				goods in intrastate commerce within this state shall be covered by a surety
				bond or certificate of cargo insurance filed with and approved by the
				commission for the limits of liability as established by the commission. A
				completed and executed endorsement shall be attached to the cargo insurance
				policy and form a part of it and amend the policy to which it is attached to
				assure compliance with this rule by the motor carrier. An insurance company or
				surety shall file separate certificates or bonds, whenever it provides both
				cargo liability and public liability coverage for a motor carrier of household
				goods.
(4) Rejection of Proof of
				Insurance. The commission may reject any document or information filed or
				offered for filing, or may declare it invalid at any time, and shall notify the
				motor carrier of the rejection.
(5)
				Cancellation and Reinstatement of Proof of Insurance. An insurer shall give the
				commission not less than ten (10) days notice of the cancellation of motor
				carrier bodily injury and property damage liability insurance certificate or
				bond or motor carrier cargo insurance certificate or bond, by filing with the
				commission the required notice of cancellation form. After cancellation in
				accordance with this section, a new certificate of insurance or surety bond
				must be filed to reinstate coverage for the motor carrier.
(6) Replacement Coverage. Policies of
				insurance and surety bonds may be replaced by other policies of insurance or
				surety bonds. The liability of the retiring insurer or surety shall be
				considered terminated on the effective date of the replacement policy of
				insurance or surety bond if accepted by the commission; except that if a
				cancellation notice under section (5) of this rule is received prior to receipt
				of the replacement certificate of insurance or surety bond, the liability of
				the retiring insurer or surety shall be considered as terminated at the end of
				the required ten (10) day cancellation period.
*Original authority: 390.041, RSMo 1939, amended 1951,
					 1984, 1986, 1988; 390.071, RSMo 1939, amended 1951, 1986; 390.126, RSMo 1939
					 amended 1951, 1961, 1986; 390.128, RSMo 2000; and 622.027, RSMo 1985, amended
					 1993, 1995.