The MCS-90 endorsement is a federally mandated provision that essentially transforms an insurance policy into a tool to protect the public. While often misunderstood, this endorsement isn’t about shielding the policy holder, but rather ensuring victims are compensated, even when coverage technically doesn’t apply.  If the endorsement requires an insurer to pay for damages that wouldn’t have been covered, however, they are not totally without options.  Instead, they are placed in the unusual position of having a claim against their own insured. 

On this week’s episode, Rebecca and Steve explore the interesting avenues for recovery when an MCS-90 endorsement  results in payment outside of a policy, and how this endorsement allows for recovery from your insured.