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Virginia Truck Licensing  & Insurance Requirements



Insurance and Surety Bond Requirements

Insurance

All operating authority types, except for brokers, are required to keep proof of insurance on file with DMV's Motor Carrier Services. Your certificate or permit may be revoked if you fail to keep the proof of insurance on file.

The amount of the insurance will depend on the type authority you hold and for passenger carriers the seating capacity of the vehicle. The following chart contains information on the minimum liability insurance amounts for each authority type.

Operating Authority Type Minimum Insurance Amounts
Transportation of Passengers Broker
Transportation of Property Broker
Not Applicable
Bulk Property Carrier $750,000 Bodily Injury and Property Damage
Contract Bus Carrier $5,000,000 Bodily Injury and Property Damage
Common Carrier - Regular Routes
Contract Passenger Carrier
Employee Hauler
Sight Seeing Carrier
Bodily Injury and Property Damage (Passengers include driver)
$350,000 - 1 to 6 passengers
$1,500,000 - 7 to 15 passengers
$5,000,000 - 16 or more passengers
Household Goods Carrier
Property Carrier
$750,000 Bodily Injury and Property Damage $50,000 Cargo
Common Carrier - Irregular Routes Bodily Injury and Property Damage
(Passengers include driver)
$350,000 - 1 to 6 passengers
$1,500,000 - 7 to 15 passengers
Non-Profit/Tax-Exempt Passenger Carrier Bodily Injury and Property Damage
(Passengers include driver)
$1,500,000 - 7 to 15 passengers
$5,000,000 - 16 or more passengers
Taxicab $125,000 Bodily Injury and Property Damage


Surety Bond/Irrevocable Letter of Credit

Certain authority types are required to file a surety bond or an irrevocable letter of credit with DMV's Motor Carrier Services. The bond/letter of credit is to protect the public from any potential loss or damage associated with the services you provide. Your certificate or license may be revoked if you fail to keep the surety bond or irrevocable letter of credit on file.

The amount of the bond/letter of credit depends on the type of authority you obtain. The length of time that you must keep the bond/letter of credit on file also depends on the type of authority you obtain.

The following chart contains information on the minimum bond/letter of credit amounts and the length of time it must be maintained for each authority type.

Operating Authority Type Minumum Amount Required Filing Period
Transportation of Passengers Broker
Transportation of Property Broker
$25,000 Continuously
Household Goods Carrier $50,000 5 years from the date the certificate is issued
Common Carrier - Irregular Routes
Common Carrier - Regular Routes
Contract Bus Carrier
Contract Passenger Carrier
Sight Seeing Carrier
$25,000 3 years from the date the certificate is issued
Bulk Property Carrier
Employee Hauler
Non-Profit Tax-Exempt Passenger Carrier
Property Carrier
Taxicab
none not applicable


Orders of Suspension and Revocation

If your insurance or performance bond is being cancelled or is expiring, you will be issued an order of suspension. If you don't comply with the suspension, an order of revocation will be issued. If you do not comply with the revocation, you will have to reapply for original operating authority and comply with all of the qualification requirements.

Compliance requirements include:

  • having an insurance company file proof of insurance (for certain authority types),
  • having a surety bond filed (for certain authority types), and
  • paying the $50 reinstatement fee, and
  • paying the $500 statutory fee, if the proof of insurance shows there was a lapse in coverage (no penalty fee for performance bonds), or
  • submitting a written request to cancel your operating authority, and
  • surrendering all operating authority decals, registration documents, and for-hire license plates, or
  • requesting an administrative hearing.

Bulk Property Carrier


Type of Operation:

Bulk Property Carrier

Description:

A person who transports only bulk commodities (such as sand or gravel) or who operates wreckers for-hire.
Bulk Commodities - any non-liquid, non-gaseous commodity shipped loose or in mass/aggregate and which in the loading and unloading thereof is ordinarily shoveled, scooped, forked, or mechanically conveyed or which is not in containers, or in units of such size to permit piece by piece loading and unloading.

Authority Document:

Permit Operating Requirements: This permit authorizes your operations only in Virginia.

You are limited to the following operations:

  • The transportation of Bulk Commodities, OR
  • The operation of a wrecker for-hire.

Tariff and Time Schedule Requirements:

None

Insurance Requirements:

$750,000 - Bodily Injury and Property Damage

Bond Requirements:

None

Registration and License Plate Requirements:

License Plates:
For-Hire license plates

Vehicle Registration:
Must be registered as for-hire.

Operating Authority Registration:
  • IRP Vehicles - Obtain operating authority decals as proof of operating authority registration.
  • All Other Vehicles - The operating authority information will be displayed on the vehicle registration card when the for-hire license plates are issued.

Fees
$10 Operating Authority Registration fee per vehicle.
$3 for a duplicate permit.

Miscellaneous Requirements:
Address Change - You must report any new address to DMV's Motor Carriers Services within 30 days.

Discontinuing Service - If you go out of business or stop providing the service authorized, you must notify DMV in writing within 30 days.



Property Carrier


Type of Operation:

Property Carrier

Description:

A person who transports property.

Authority Document:

Permit

Operating Requirements:

  • This permit authorizes your operations only in Virginia.
  • You can transport household goods only if the goods are delivered to a place that is less than 31 road-miles from the place where you picked them up.
    Household Goods - personal effects and property used or to be used in a dwelling, when a part of the equipment or supplies of such dwelling, and similar property if the transportation of such effects or property is (i) arranged and paid for by the householder, including transportation of the property from a factory or store when the property is purchased by the householder with intent to use it in his dwelling or (ii) arranged and paid for by another party.

    • If you receive a written claim of loss or damage to any household goods that you transported, you must:
      • Write on the claim the date you received it.
      • Send to the person, within 30 days, a written acknowledgement of receipt of the claim.
      • Within 120 days:
        • pay the claim, or
        • send written notification that you decline to pay the claim, or
        • make, in writing, a firm compromise settlement offer.
    • If the claim is not processed or disposed of within the 120 days, send to the person, every 30 days, a written report of the status of the claim and the reasons for the delay.
    • You may not, by contract or otherwise, shorten the length of time a person has for filing a claim to less than 30 days or shorten the time for filing a suit to less than two years.

Tariff and Time Schedule Requirements:

None

Insurance Requirements:

$750,000 - Bodily Injury and Property Damage
$50,000 - Cargo

Bond Requirements

None

Registration and License Plate Requirements:

License Plates: For-Hire license plates

Vehicle Registration: Must be registered as for-hire

Operating Authority Registration:
  • IRP Vehicles - Obtain operating authority decals as proof of operating authority registration
  • All Other Vehicles - The operating authority information will be displayed on the vehicle registration card when the for-hire license plates are issued.

Fees:
$10 Operating Authority Registration fee per vehicle
$3 for a duplicate permit

Miscellaneous Requirements:
Address Change - You must report any new address to DMV's Motor Carriers Services within 30 days.

Discontinuing Service - If you go out of business or stop providing the service authorized, you must notify DMV in writing within 30 days



Household Goods Carrier



Type of Operation: Household Goods Carrier

Description:

A person who transports only household goods.
Household Goods - personal effects and property used or to be used in a dwelling, when a part of the equipment or supplies of such dwelling, and similar property if the transportation of such effects or property is (i) arranged and paid for by the householder, including transportation of the property from a factory or store when the property is purchased by the householder with intent to use it in his dwelling or (ii) arranged and paid for by another party.

Authority Document:

Certificate

Operating Requirements:

  • This certificate authorizes your operations only in Virginia.
  • You must have written approval from DMV to transfer this type of certificate.
  • You are limited to transporting household goods as defined above.
  • For deliveries over 30 miles, you must charge the same rates as listed in the tariff filed with DMV.
  • Before you can change your rates, you must
    • notify DMV at least 30 days before you wish to make the change, and
    • have received written approval from DMV.
  • You or your agent may publish a joint tariff with another carrier(s) if a power of attorney or notice of concurrence is filed with DMV. You must send written notification to DMV, at least 60 days in advance, before you can revoke the power of attorney or notice of concurrence.
  • A copy of the bill of lading must be carried when you are transporting the household goods.
  • You must maintain a copy of the bill of lading at your place of business for at least three years.
  • If you receive a written claim of loss or damage, you must:
    • Write on the claim the date you received it.
    • Send to the person, within 30 days, a written acknowledgement of receipt of the claim.
    • Within 120 days:
      • pay the claim, or
      • send written notification that you decline to pay the claim, or
      • make, in writing, a firm compromise settlement offer.
  • If the claim is not processed or disposed of within the 120 days, send to the person, every 30 days, a written report of the status of the claim and the reasons for the delay.
  • You may not, by contract or otherwise, shorten the length of time a person has for filing a claim to less that 30 days or shorten the time for filing a suit to less than two years.

Tariff and Time Schedule Requirements:

Tariff: You must file a tariff that includes all of your rates and any rules, policies or guidelines you will impose on your customers (example: refund policy). See form OA450, Sample Tariff for Household Goods Carriers.

Time Schedule: None

Insurance Requirements:

$750,000 Bodily Injury and Property Damage
$50,000 Cargo

Bond Requirements:

You must keep a $50,000 surety bond or letter of credit on file with DMV's Motor Carrier Services for five years from the date your operating authority certificate is issued. (See Household Goods Carrier Bond, form OA436 or the property irrevocable letter of credit, form OA456.)

Registration and License Plate Requirements:


Vehicle Registration:
Must be registered as for-hire

Operating Authority Registration:
  • IRP Vehicles - Obtain operating authority decals as proof of operating authority registration
  • All Other Vehicles - The operating authority information will be displayed on the vehicle registration card when the for-hire license plates are issued.

Fees:
$50 filing fee
$10 Operating Authority Registration fee per vehicle
$3 for a duplicate certificate

Miscellaneous Requirements:
Address Change - You must report any new address to DMV's Motor Carriers Services within 30 days.

Discontinuing Service - If you go out of business or stop providing the service authorized, you must notify DMV in writing within 30 days



Federal Truck Licensing  & Insurance Requirements




As of March 21, 2011, Only Household Goods (HHG) Carriers and HHG Freight Forwarders Need to Have Evidence of Cargo Insurance On File with FMCSA.




FMCSA REGISTRATION REQUIREMENTS - Property

In addition to filing the appropriate form in the OP-1 series, all applicants for motor carrier, forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the actual authorities. The required filings vary, based on the types of registrations involved. Below is a list of pre-registration forms, followed by an explanation of which types of registrants are subject to filing those forms. Liability and cargo insurance forms must be submitted directly by the home office of the insurance company furnishing the coverage. The FMCSA does not furnish copies of insurance forms.

FORM DESCRIPTION AUTHORITIES SUBJECT TO FILING
BMC-91 or BMC-91X Public liability insurance (bodily injury/property damage/environmental restoration)
  • Motor Contract Carrier and Common Carrier
  • Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement.)
  • Freight:--$750,000 - $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.
  • Passengers:--$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.
BMC-34 Cargo insurance--$5,000 per vehicle; $10,000 per occurrence
  • Motor Common Carrier
  • Freight Forwarder
BMC-84 or BMC-85
  • Surety Bond--$10,000
  • Trust Fund Agreement--$10,000
Broker of Freight
BOC-3 Legal Process Agents All Authorities

Applicants should be prepared to contact their agents to request filing of the required forms immediately after obtaining their designated docket number. These filings must be received within 90 days after the FMCSA has published public notice of intention to register the applicant. (Applicants will be notified by letter of their docket number and date of publication in the FMCSA Register.) Applicants are cautioned to ensure that the name and address of the business as set out in all pre-registration filings matches exactly the information provided in their Form OP-1 filings.

Any deviation will result in rejection of the supplemental pre-registration filings.

All insurance/process agent filings should be mailed directly to the FMCSA, Commercial Enforcement Division, MC-ECC, 1200 New Jersey Avenue SE W63-105, Washington, DC 20590. Information on the status of insurance filings may be obtained quickly by dialing 1-866-637-0635. This automated response system is accessible at all times.

Applicants for authority to operate as motor carriers of household goods or freight forwarders of household goods also must offer arbitration as a means of settling loss and damage disputes on collect-on-delivery shipments. (See 49 U.S.C. 14708.)

Failure to comply promptly with all pre-registration requirements will result in dismissal of the application. Refunds of filing fees are not permitted.

REMINDERS: After obtaining their registration documents, applicants must register with every state through which they will travel in conducting business. To begin this process, applicants should contact the state transportation body (usually located in the capital city) in which the business is headquartered. Copies of the FMCSA and appropriate State registration documents must be carried in each vehicle performing FMCSA authorized operations.

FMCSA FILING FEES

Fee Schedule effective March 1999

Permanent Authority...........................................$300.00

Notice of Name Change........................................$14.00

NOTE: Separate fees must be submitted for each kind of authority sought. For instance, requests for a motor common carrier certificate and motor contract carrier permit are subject to two $300 fees.

Payment may be combined. Applications and other filings accompanied by improper fees will not be accepted. Checks should be made payable to the Federal Motor Carrier Safety Administration and mailed to P.O. Box 70935, Charlotte, NC 28272-0935; express mail should be sent to QLP Wholesale Lockbox NC0810, Lockbox #70935, 1525 West WT Harris Blvd., Charlotte, NC 28262. Credit card payments should be mailed to Federal Motor Carrier Safety Administration, 1200 New Jersey Avenue SE, MC-RIO, Washington, DC 20590. Credit card applicants can also apply online at http://safer.fmcsa.dot.gov.



FMCSA REGISTRATION REQUIREMENTS - Freight Forwarder

In addition to filing the appropriate form in the OP-1 series, all applicants for motor carrier, forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the actual authorities. The required filings vary, based on the types of registrations involved. Below is a list of pre-registration forms, followed by an explanation of which types of registrants are subject to filing those forms. Liability and cargo insurance forms must be submitted directly by the home office of the insurance company furnishing the coverage. The FMCSA does not furnish copies of insurance forms.

FORM DESCRIPTION AUTHORITIES SUBJECT TO FILING
BMC-91 or BMC-91X Public liability insurance (bodily injury/property damage/environmental restoration)
  • Motor Contract Carrier and Common Carrier
  • Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement.)
  • Freight:--$750,000 - $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.
  • Passengers:--$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.
BMC-34 Cargo insurance--$5,000 per vehicle; $10,000 per occurrence
  • Motor Common Carrier
  • Freight Forwarder
BMC-84 or BMC-85
  • Surety Bond--$10,000
  • Trust Fund Agreement--$10,000
Broker of Freight
BOC-3 Legal Process Agents All Authorities

Applicants should be prepared to contact their agents to request filing of the required forms immediately after obtaining their designated docket number. These filings must be received within 90 days after the FMCSA has published public notice of intention to register the applicant. (Applicants will be notified by letter of their docket number and date of publication in the FMCSA Office of Motor Carriers Register.) Applicants are cautioned to ensure that the name and address of the business as set out in all pre-registration filings matches exactly the information provided in their Form OP-1 filings.

Any deviation will result in rejection of the supplemental pre-registration filings.

All insurance/process agent filings should be mailed directly to the FMCSA, Commercial Enforcement Division, MC-ECC, 1200 New Jersey Avenue SE, Washington, DC 20590. Information on the status of insurance filings may be obtained quickly by dialing (202) 385-2423. This automated response system is accessible at all times.

Applicants for authority to operate as motor carriers of household goods or freight forwarders of household goods also must offer arbitration as a means of settling loss and damage disputes on collect-on-delivery shipments. (See 49 U.S.C. 14708.)

Failure to comply promptly with all pre-registration requirements will result in dismissal of the application. Refunds of filing fees are not permitted.

REMINDERS: After obtaining their registration documents, applicants must register with every state through which they will travel in conducting business. To begin this process, applicants should contact the state transportation body (usually located in the capital city) in which the business is headquartered. Copies of the FMCSA and appropriate State registration documents must be carried in each vehicle performing FMCSA authorized operations.

FMCSA FILING FEES

Fee Schedule effective March 1999

Permanent Authority...........................................$300.00

Notice of Name Change........................................$14.00

NOTE: Separate fees must be submitted for each kind of authority sought. For instance, requests for a motor common carrier certificate and motor contract carrier permit are subject to two $300 fees.

Payment may be combined. Applications and other filings accompanied by improper fees will not be accepted. Checks should be made payable to the Federal Motor Carrier Safety Administration and mailed to P.O. Box 70935, Charlotte, NC 28272-0935; express mail should be sent to QLP Wholesale Lockbox NC0810, Lockbox #70935, 1525 West WT Harris Blvd., Charlotte, NC 28262. Credit card payments should be mailed to Federal Motor Carrier Safety Administration, 1200 New Jersey Avenue SE, MC-RIO, Washington, DC 20590. Credit card applicants can also apply online at http://safer.fmcsa.dot.gov.



FMCSA REGISTRATION REQUIREMENTS - Passenger

In addition to filing the appropriate form in the OP-1 series, all applicants for motor carrier, forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the actual authorities. The required filings vary, based on the types of registrations involved. Below is a list of pre-registration forms, followed by an explanation of which types of registrants are subject to filing those forms. Liability and cargo insurance forms must be submitted directly by the home office of the insurance company furnishing the coverage. The FMCSA does not furnish copies of insurance forms.

FORM DESCRIPTION AUTHORITIES SUBJECT TO FILING

FORM DESCRIPTION AUTHORITIES SUBJECT TO FILING
BMC-91 or BMC-91X Public liability insurance (bodily injury/property damage/environmental restoration)
  • Motor Contract Carrier and Common Carrier
  • Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement.)
  • Freight:--$750,000 - $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.
  • Passengers:--$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.
BMC-34 Cargo insurance--$5,000 per vehicle; $10,000 per occurrence
  • Motor Common Carrier
  • Freight Forwarder
BMC-84 or BMC-85
  • Surety Bond--$10,000
  • Trust Fund Agreement--$10,000
Broker of Freight
BOC-3 Legal Process Agents All Authorities

Applicants should be prepared to contact their agents to request filing of the required forms immediately after obtaining their designated docket number. These filings must be received within 90 days after the FMCSA has published public notice of intention to register the applicant. (Applicants will be notified by letter of their docket number and date of publication in the FMCSA Register.) Applicants are cautioned to ensure that the name and address of the business as set out in all pre-registration filings matches exactly the information provided in their Form OP-1 filings.

Any deviation will result in rejection of the supplemental pre-registration filings.

All insurance/process agent filings should be mailed directly to the FMCSA, Commercial Enforcement Division, MC-ECC, 1200 New Jersey Avenue SE, Washington, DC 20590. Information on the status of insurance filings may be obtained quickly by dialing (202) 385-2423. This automated response system is accessible at all times.

Applicants for authority to operate as motor carriers of household goods or freight forwarders of household goods also must offer arbitration as a means of settling loss and damage disputes on collect-on-delivery shipments. (See 49 U.S.C. 14708.)

Failure to comply promptly with all pre-registration requirements will result in dismissal of the application. Refunds of filing fees are not permitted.

REMINDERS: After obtaining their registration documents, applicants must register with every state through which they will travel in conducting business. To begin this process, applicants should contact the state transportation body (usually located in the capital city) in which the business is headquartered. Copies of the FMCSA and appropriate State registration documents must be carried in each vehicle performing FMCSA authorized operations.

FMCSA FILING FEES

Fee Schedule effective March 1999

Permanent Authority...........................................$300.00

Notice of Name Change........................................$14.00

NOTE: Separate fees must be submitted for each kind of authority sought. For instance, requests for a motor common carrier certificate and motor contract carrier permit are subject to two $300 fees.

Payment may be combined. Applications and other filings accompanied by improper fees will not be accepted. Checks should be made payable to the Federal Motor Carrier Safety Administration and mailed to P.O. Box 70935, Charlotte, NC 28272-0935; express mail should be sent to QLP Wholesale Lockbox NC0810, Lockbox #70935, 1525 West WT Harris Blvd., Charlotte, NC 28262. Credit card payments should be mailed to Federal Motor Carrier Safety Administration, 1200 New Jersey Avenue SE, MC-RIO, Washington, DC 20590. Credit card applicants can also apply online at http://safer.fmcsa.dot.gov.



TRUCKING DEFINITIONS

In government language what most people call a "trucker" or a "trucking company" is called a "motor carrier" or sometimes just a "carrier." If you are attempting to fill out a form asking you or your company what kind of trucking activities you are engaged in, the following simplified definitions may be helpful. The word "company" is used below as shorthand to mean any person, partnership, corporation, etc., engaged in these activities. "FMCSA" stands for the Federal Motor Carrier Safety Administration, 1200 New Jersey Avenue SE, Washington, DC 20590.

Motor Carrier: A company that provides truck transportation. There are two types of motor carriers, private carriers and for-hire carriers. To operate as an interstate motor carrier, either as a private or as a for-hire carrier, a company must register with FMCSA by filing a Form MCS-150.

Private Carrier: A company that provides truck transportation of its own cargo, usually as a part of a business that produces, uses, sells and/or buys the cargo being hauled.

For-Hire Carrier: A company that provides truck transportation of cargo belonging to others and is paid for doing so. To operate as an interstate for-hire carrier, a company must also register with FMCSA by filing a Form OP-1. There are two types of for-hire carriers, common carriers and contract carriers. A for-hire carrier may be both a common and a contract carrier, but must file separate registrations to obtain both licenses.

Common Carrier: Before January 1, 1996, this was a company that provided for-hire truck transportation to the general public. The services offered and the prices charged were published in a public tariff and these were the only prices the common carrier could charge.

Contract Carrier: Before January 1, 1996, this was a company that provided for-hire truck transportation to specific, individual shippers based upon private contracts between the carrier and each shipper, stipulating the services offered and the prices charged to each.

Selecting "Common" or "Contract": The OP-1 form requires an applicant to designate whether it is registering as a "common carrier" or a "contract carrier." The historical difference between these two types is reflected in the definitions immediately above. The ICC Termination Act of 1995 defines contract carriage as truck transportation provided under a contract, but, effective January 1, 1996, it no longer distinguishes between common or contract carriers. However, the Act specifically authorizes FMCSA to continue registering applicants as either common or contract carriers. The current principal distinction between the two types is that common carrier applicants must file proof of cargo insurance while contract carrier applicants are not required to do so.

Freight Forwarder: A company that arranges for the truck transportation of cargo belonging to others, utilizing for-hire carriers to provide the actual truck transportation. The Forwarder does assume responsibility for the cargo from origin to destination and usually does take possession of the cargo at some point during the transportation. Forwarders typically assemble and consolidate less-than-truckload (LTL) shipments into truckload shipments at origin and disassemble and deliver LTL shipments at destination. Forwarders must register with FMCSA by filing a Form OP-1 (FF).

Broker: Also a company that arranges for the truck transportation of cargo belonging to others, utilizing for-hire carriers to provide the actual truck transportation. However, the Broker does not assume responsibility for the cargo and usually does not take possession of the cargo. Brokers must register with FMCSA by filing a Form OP-1.

These trucking definitions are simplified for easier understanding by the persons required to fill out the above-referenced forms. Legally acceptable definitions of these activities would be longer, more complex, and supported by the results of many administrative proceedings, court decisions and judicial opinions. If there is any question about the applicability of these simplified definitions, a legal authority should be consulted.

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