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Also, bear in mind that the MCS-90 endorsement is not filed directly with the Federal Motor Carrier Safety Administration (FMCSA). Instead, a BMC-91 or BMC-91X is sent to the FMCSA by an insurance company on behalf of the motor carrier.
Forms MCS-90 (for motor carriers) and MCS-82 (for buses) are completed by a carriers insurance agent when it registers the contractual agreement with the Federal Motor Carrier Safety Administration (FMCSA).
The MCS-82 serves as proof of a surety bond, just as the MCS-90 provides evidence of insurance. MCS-90B/MCS-82B passenger carrier endorsements. Form MCS-90B is an endorsement issued by an insurance company to a motor passenger carrier as evidence of compliance with the public liability requirements required in 387.33.
The MCS ‐90 endorsement creates an obligation, running to the public, to pay any judgment resulting from negligence in the operations, maintenance or use of motor vehicles, even if the vehicle is not identified or covered under the insurance policy to which the endorsement is attached.
FMCSA is the lead federal government agency responsible for regulating and providing safety oversight of commercial motor vehicles (CMVs), to include more than 500,000 commercial trucking companies, more than 4,000 interstate bus companies, and more than four million commercial drivers license (CDL) holders.
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The MCS-90 is not filed with the Federal Motor Carrier Safety Administration (FMCSA). The BMC-91X filing is submitted to the FMCSA as certification that the MCS-90 endorsement has been issued.

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