My MC number is inactive because of insurance. How do I fix it?
Your authority went inactive because the insurer filed a cancellation and no replacement filing was on file when it took effect. It is restored by getting a new policy bound and its filing transmitted to FMCSA — the filing, not the policy, is what brings the authority back.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
The detail
FMCSA revokes operating authority when the required insurance filing is no longer on file.
Current filing and authority status for any carrier is public and can be checked directly against FMCSA’s licensing and insurance record.
What this means for you
- Operating on a revoked authority is not a technicality — it is unauthorised operation, and it travels with you into every future quote.
- The clock that matters is the cancellation effective date, not the day you were told. Carriers usually learn late, which is why the gap is often already open by the time anyone calls.
- A lapse itself becomes an underwriting fact. The longer it runs, the fewer markets will look at the account, which is exactly when most brokers stop returning calls.
Related questions
- Will I have to reapply for new authority?
- That depends on how long the revocation has been in place. A short lapse is usually cured by getting a filing back on file; once it has run long enough the authority is gone and the process starts over — which is why speed is the whole game here.
- Nobody will quote me now. Is that the end of it?
- No. A lapse narrows the market, it does not close it. This is the situation we place most often, and the submission needs Acord forms, current loss runs, a down payment and sometimes an inspection — and it will not proceed while premium is still owed to a previous carrier.
Need this handled?
We do the filings, and we place the accounts other brokers decline — lapsed authority, claims history, new ventures. Tell us the situation and a licensed human replies the same business day.