BMC-84 & BMC-85
Claims Submittal

Claimants (carriers, shippers, and/or authorized third parties) first need to provide some basic information: the MC # of the broker, your carrier’s MC # and contact information (including email and phone number), the date(s) the load(s) picked up and the total dollar amount owed. This can be accomplished by going to our website at PFAprotects.com, scrolling down to the bottom of the main page and clicking on the big green bar that states “Submit a BMC-84 or BMC-85 Claim Here”. Upon the initial submission online, an email with a status update will be sent to the email address provided. Should your load(s) qualify, the email will contain login information to our claimant portal where you must provide additional load details as well as upload the required supporting documentation: rate confirmation, bill of lading, and carrier’s invoice for each load you wish to submit.

Upon completion of the process, our claims staff will verify the information provided. We work directly with our active brokers to get valid claims paid quickly. In 95% of the claim inquiries, the broker pays the claimant after being informed a claim has been filed against their surety. If pending claims total more than the $75,000 surety instrument, or if the broker stops communicating with us, or if the broker stops providing timely payments to the claimant, we will recommend the Surety issue a “Notice of Cancellation”. The FMCSA allows brokers to operate for an additional 30 days after the filing of a Notice of Cancellation. We must accept claims against a cancelled broker’s surety instrument for 60 days after their effective cancellation date with the FMCSA. If a broker is not reinstated and their claims continue to multiply, we will not be able to determine the amount each claimant will receive until after the application period has expired. Payouts are conducted in one of two ways:

• Full claim payout – claims did not exceed the surety instrument and all valid claims are paid in full.
• Pro rata payout – each valid claimant is paid a pro-rata percentage of what they are owed.

We diligently strive to be an industry leader in following federally mandated rules and regulations regarding the administration of a BMC-84 or BMC-85 surety instruments. We review all submitted documentation to be sure that only valid claims are considered for payout. There are several categories of exemptions from federal economic regulation by the FMCSA. There are also categories of invalid claims:

Exemptions-

• The movement which occasioned your claim involved exempt commodities, such as agricultural products, horticultural products, dairy products, poultry or enumerated non-manufactured goods.
• It was an Intrastate movement and therefore not subject to Interstate Commerce regulation.
• Transportation involving prior or subsequent movements by rail (intermodal) or movements under terms of an airbill.
• Additional items incidental to the actual movement (e.g. trucks ordered not used, lumper or pallet fees).

Invalid-

• The movement which occasioned the claim did not occur within the effective term of the BMC-84 or BMC-85.
• A failure to establish legal liability (e.g. sufficient documentation to establish a contract existed between the broker and carrier was not provided).
• The Surety Bond or Trust has been exhausted.

On occasion, claimant’s attorneys contact us and insist that “federal regulations” require that the Surety pay their claims immediately; while other claimant attorneys insist that “federal regulations” require the Surety defer payment until their client has had an opportunity to obtain a judgment against the broker. While we understand that each claimant would like to be paid immediately, we have a fiduciary responsibility to handle all claimants equally and professionally. We have established guidelines in administering claims that are fair to the majority. We strictly adhere to those guidelines.

• For the general FMCSA site
• To access information about a carrier or broker
• For a list of exempt commodities