How is Insurance Check deeper than Ready to Operate?

Ready to Operate is three yes/no filing signals (ACTIVE authority, liability on file, BOC-3). Insurance Check adds BIPD history gaps, cargo BMC-34/83 filings, insurance-lapse watch tier, and recent liability rows.

What are CRITICAL / Elevated watch tiers?

Derived instability scores from BMC-91 cancellation and replacement patterns in the last 12 months. Rules are documented on /insurance-watch/ — not an FMCSA safety rating.

Does this replace a certificate of insurance (COI)?

No. We show public L&I filings only, not shipper COIs or RMIS packet depth. Verify coverage with your agent and FMCSA before hauling.

Why is my lookup result page noindex?

Personalized ?q= pages use noindex,follow. The empty form URL stays indexable so search engines find the tool, not every USDOT permutation.

How fresh is FMCSA data on TruckCodex?

We refresh from nightly FMCSA imports. Check /meta/freshness/ or freshness badges on linked desks — not real-time L&I.

Can I get email alerts when my insurance or authority changes?

Not yet. TruckCodex is shipping free lookup tools first; portfolio email digests and saved filters are on the roadmap (Wave D alerts). Bookmark this page or re-run your USDOT until push alerts launch.

Insurance check

BIPD/BMC-91 liability, cargo filings, history gaps, and insurance-lapse watch tier — beyond the three-check ready-to-operate snapshot.

How to run insurance check

Enter carrier USDOT or MC — Same resolver as ready-to-operate and book-check.
Read liability on file — Active BMC-91/BIPD rows plus recent history.
Review cargo filings — BMC-34/83 when present — not required for all freight.
Note watch tier — CRITICAL/Elevated rules live on /insurance-watch/ — not an FMCSA rating.
Verify before hauling — Public L&I only — not a shipper COI.

Frequently Asked Questions

How is Insurance Check deeper than Ready to Operate?: Ready to Operate is three yes/no filing signals (ACTIVE authority, liability on file, BOC-3). Insurance Check adds BIPD history gaps, cargo BMC-34/83 filings, insurance-lapse watch tier, and recent liability rows.
What are CRITICAL / Elevated watch tiers?: Derived instability scores from BMC-91 cancellation and replacement patterns in the last 12 months. Rules are documented on /insurance-watch/ — not an FMCSA safety rating.
Does this replace a certificate of insurance (COI)?: No. We show public L&I filings only, not shipper COIs or RMIS packet depth. Verify coverage with your agent and FMCSA before hauling.
Why is my lookup result page noindex?: Personalized ?q= pages use noindex,follow. The empty form URL stays indexable so search engines find the tool, not every USDOT permutation.
How fresh is FMCSA data on TruckCodex?: We refresh from nightly FMCSA imports. Check /meta/freshness/ or freshness badges on linked desks — not real-time L&I.
Can I get email alerts when my insurance or authority changes?: Not yet. TruckCodex is shipping free lookup tools first; portfolio email digests and saved filters are on the roadmap (Wave D alerts). Bookmark this page or re-run your USDOT until push alerts launch.