Opinion ID: 78339
Heading Depth: 2
Heading Rank: 2

Heading: Federal Regulatory System

Text: Waters also argues the insurance coverage remained in effect because Progressive did not notify the Federal Motor Carrier Safety Administration (FMCSA) that Miller's Policy expired. We disagree. Under the Motor Carrier Act of 1980, 49 U.S.C. § 10101 et seq., and the regulations promulgated thereunder, certain interstate motor carriers must obtain an insurance policy containing an MCS-90 endorsement providing that the insurer will pay within policy limits any judgment recovered against the insured motor carrier for liability resulting from the carrier's negligence[.] Ill. Cent. R.R. Co. v. Dupont, 326 F.3d 665, 666 (5th Cir.2003). Coverage from policies that include an MCS-90 endorsement remains in effect until the insurance company gives 30 days' written notice to the FMCSA. See 49 C.F.R. §§ 387.15, 387.313(d). The parties do not dispute Progressive would be liable if the Policy included the MCS-90 endorsement. In this case, however, the Policy did not include the endorsement. Waters urges this Court to incorporate the endorsement into the Policy as a matter of law, arguing the evidence presented to the district court showed Progressive knew or should have known Miller was engaged in interstate travel. Even if we assume arguendo such knowledge on the part of the insurer is justification for incorporating the endorsement into a policy that does not contain it, [3] Waters did not present sufficient evidence to support the conclusion that Progressive knew or should have known Miller was driving the tractor-trailer interstate. For this reason, it is unnecessary for us to reach the issue of whether the endorsement can be read into a policy that does not contain it, and we expressly decline to do so. The district court did not err in refusing to rewrite the Policy to include the MCS-90 endorsement, and we affirm its order granting summary judgment in favor of Progressive on the federal law issue.