The Definitive Guide to MCS 90 Auto Endorsements Attorney911
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https://attorney911.com/ -- Unless you’re a commercial truck driver, you’ve probably never heard of MCS 90 auto endorsements. And even if you have, you might not know what an MCS endorsement on a commercial truck driver’s insurance means to you as a driver. • FULL ARTICLE: https://attorney911.com/guide-to-mcs-... • As personal injury attorneys, we’ve had to learn all the nitty-gritty details about MCS 90 auto endorsements and how they can impact your ability to receive damages. If you’ve been injured in an accident involving a commercial motor vehicle, keep reading! We’ll explain everything you need to know. • What is an MCS 90 endorsement for a motor carrier? • To legally operate a commercial vehicle that crosses over state lines, trucking companies must register with the Federal Motor Carrier Safety Administration (FMCSA). Part of the registration process requires proving the company has the financial means to cover ANY damage caused by one of their drivers, even if their standard insurance policy doesn’t cover the damage. They often provide evidence of financial responsibility by adding an MCS 90 endorsement to their insurance policy. The word “endorsement” is just insurance company lingo for an addition to a standard insurance policy. So, the MCS 90 is an insurance add-on that makes sure that if the commercial truck driver causes damages or injuries to another driver in an accident, a minimum amount of damages to any injured victim will be covered. • An MCS 90 is NOT a type of insurance. The endorsement says nothing about who will ultimately pay for the damages; it merely guarantees that damages will be paid. This means that while the insurance company will cover any bodily injury or property damage up-front, they are entitled to reimbursement from the trucking company for anything they pay. • MCS 90 endorsements only come into play under certain narrowly-defined circumstances: • The trucking company’s standard insurance policy doesn’t cover the underlying accident. • The driver employed by the insured motor carrier is at fault for the accident. • The injured party doesn’t work for the trucking company in any capacity. • The injured party can’t turn elsewhere for compensation. • The commercial truck driver doesn’t need to be 100% “at fault” for MCS 90 coverage to kick in. Even if you’re partially at fault for an accident, the MCS 90 will apply to the proportion of the damages the truck driver is liable for. • MCS 90 endorsements and uninsured motorist coverage? • Uninsured motorists coverage is a vehicle insurance policy designed to help cover your medical bills and damages if you’re hit by a driver who doesn’t have insurance. Fortunately, the fact that you have your own uninsured motorist coverage does not relieve the MCS 90 insurer of its obligation to pay you for injuries that would be covered by the endorsement. This means that if you have a vehicle insurance policy covering uninsured motorists, it won’t impact the damages you could be paid out under a policy with an MCS 90 endorsement. • For example, say you were involved in a motor vehicle accident with a commercial truck not covered by the motor carrier’s standard insurance policy. In that case, the MCS 90 would kick in, regardless of whether you carry uninsured motorists coverage on your personal insurance policy. • FULL ARTICLE: https://attorney911.com/guide-to-mcs-... • Have questions? We protect victims like you every day. • Call 888-ATTY-911 • Email [email protected] • About Attorney911 • Legal Emergency Lawyers™ legal services • Attorney911 Legal Emergency Lawyers™ legal services is a Texas-based personal injury and criminal defense law firm with offices in Houston and Austin, though we are proud to serve Texans from all over the state and represent clients in federal court. We handle a wide variety of legal issues — from car accidents to worker’s compensation to DUI/DWI offenses. Our staff is bilingual, friendly, and genuinely passionate about helping our clients, whether it’s a million-dollar case or a thousand-dollar case. We also understand that cost can be a prohibitive factor in hiring a lawyer, and are willing to work with you on structuring payment in a way that is fair and feasible. We do accept credit cards for our hourly fees, and take some cases on contingency, which means you don’t pay us unless and until you get paid yourself. We know that you have a choice in your legal representation, and we believe that what makes us stand out from the competition is our real emotional investment in our clients. We see you as a person — not a paycheck. And we will fight hard for you, because we truly care.
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