Quarterly Newsletter

Avoid filing rejections

Top reasons why your insurance filing is rejected and how to prevent them

Published: October 22, 2025

At Tyler Insurance Filings, we understand how frustrating filing rejections can be — especially when time is of the essence. Whether you're submitting to a state agency or assisting a policy holder, accuracy and timing are key to a successful filing. Below are some of the most common rejection reasons and how to prevent them.

• • No Record of Motor Carrier Application
  • A frequent cause of rejection occurs when proof of insurance is submitted before the motor carrier is registered and before their application for operating authority or permit has been received by the state jurisdiction.
  • Tip: Always confirm that your policyholder has registered and submitted their application to the state before submitting insurance filings. For many states, Tyler Insurance Filings prompts you to provide a state ID number, and availability of this number can confirm whether the motor carrier has submitted their application to the state.
• • Incorrect Policyholder Information
  • If the legally registered entity name, address, or state-issued ID number doesn't exactly match what's on file with the state, the filing may be rejected.
  • Tip: Verify the official business name, address, and state ID number with your policyholder and/or state's website.
• • Invalid Cancellation Notice
  • Many states require advance notice, e.g., 30 days, for any policy cancellations. If the cancellation effective date does not meet this requirement, then the agency will reject the filing.
  • Tip: Review each state's specific cancellation notice rules before submitting. Use the Policy Expiration report to plan ahead and ensure proper lead time.
• • Duplicate or Previously Cancelled Policies
  • Filings may be rejected if the policy has already been cancelled or if a duplicate submission exists.
  • Tip: Before submitting, verify whether a filing is already active or if a prior cancellation has been processed. Tyler Insurance Filings offers reports to review all account filing activity.
• • Insured Not Registered in the State
  • Sometimes filings are rejected because the insured is not yet registered with the state.
  • Tip: Ensure the insurance company is licensed to write coverage in the state, is approved and registered as a non-admitted insurer, or uses a surplus lines broker. Include all state required information, e.g., NAIC number, insurer number, etc., when adding a new Filing Company in Tyler Insurance Filings.
• • Not Accepted Coverage Type
  • Some states do not accept excess liability for commercial property and casualty insurance policies.
  • Tip: Review state-specific rules and regulations carefully to confirm acceptable coverage types before submitted.

A few extra minutes verifying policyholder and filing details can prevent days or weeks of processing delays. At Tyler Insurance Filings, our goal is to help you get filings accepted quickly and accurately the first time.

Need help with verifying state-specific filing requirements? Log in and download the user manual or contact our support team at support@tylerinsurancefilings.com. We're here to help you file with confidence.