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MCS-150 “Cargo Carried” Section and Insurance?

Discussion in 'Ask An Owner Operator' started by PE_T, Feb 1, 2020.

  1. Feb 1, 2020 #1
    PE_T

    PE_T Road Train Member

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    Jul 12, 2017
    Texas (trucking since 02/2013)
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    This month I need to update my MCS-150. I currently have two selections in the Cargo Carried section: Fresh Produce and Meat. What happens to my insurance if I select more options in Cargo Carried?
     

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    PE_T, Feb 1, 2020
    PE_T, Feb 1, 2020
    #1
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  3. Feb 1, 2020 #2
    xsetra

    xsetra Road Train Member

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    Aug 21, 2011
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    Nothing.
    My agent said it's just a list for insurance company to know what you haul the most.
    I asked my agent, what if I haul something not listed. He said coverage is still good.

    I've had brokers ask me about the mcs-list.
     
    xsetra, Feb 1, 2020
    xsetra, Feb 1, 2020
    #2
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  4. Feb 1, 2020 #3
    clausland

    clausland Road Train Member

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    North Woods
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    Put down "vehicles" and watch what happens next....
     
    clausland, Feb 1, 2020
    clausland, Feb 1, 2020
    #3
    spyder7723 and PE_T Thank this.
  5. Feb 1, 2020 #4
    JPenn

    JPenn Road Train Member

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    Mar 5, 2008
    Northern Tier PA
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    Mine only has "General Freight". I think where it would start to impact insurance rates would be if you were to check off "Liquids/Gases", "Chemicals", "Passengers" or perhaps "Livestock". But, I've never asked...
     
    JPenn, Feb 1, 2020
    JPenn, Feb 1, 2020
    #4
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  7. Feb 3, 2020 #5
    PE_T

    PE_T Road Train Member

    3,412
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    Jul 12, 2017
    Texas (trucking since 02/2013)
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    I called my insurance agent, and she said that adding General Freight and Refrigerated Food wouldn’t affect me. I checked the former mega reefer company I used to work for, and they have these four selected.
     
    PE_T, Feb 3, 2020
    PE_T, Feb 3, 2020
    #5
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