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Intrastate Passenger Insurance Requirements

All companies who apply for a UTC permit, certificate, or registration must file and maintain evidence of public liability and property damage insurance.

Proof of Insurance

Form E

The standard proof of insurance form is commonly called "Form E" and is issued by your insurance company. The formal name is the "Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance".

Certificate of Insurance or Binder

Good for a period of up to 60 days, this certificate binder must be replaced by Form E.
The certificates/binders must show the UTC as the certificate holder, the amounts of insurance coverage, the dates that the certificate/binder will be in effect, and a signature.

Insurance Amounts

Permit Type
Vehicle Seating Capacity
Minimum Limits
Auto Transportation 15 passengers or less (including the driver)


16 passengers or more (including the driver)
$1,500,000 Combined Single Limit (CSL) coverage



$5,000,000 CSL
Charter & Excursion Companies 15 passengers or less (including the driver)

16 passengers or more (including the driver)
$1,500,000 Combined Single limit coverage



$5,000,000 CSL
Private Non-Profit Transportation Providers Less than 16, including driver $100,000 each person
$500,000 each accident
$50,000 property damage
or $500,000 CSL
16 passengers or more, including driver $100,000 each person
$1 million each accident
$50,000 property damage
or $1 million CSL
Railroad Contract Crew Carrier

$5,000,000 CSL

$1,000,000 uninsured and underinsured motorist coverage