IMO...now should also be the shift to inform and educate brokers/shippers/3pls of their liability risks for putting their freight on a non compliant truck/under insured....an automated checking system where 1 click and they can see a complaint truck or NOT....and turn it away.
That would be awesome. But currently nothing like that exists. Other issue is a u it can show valid insurance. But....read the policy and it may not be proper coverage. Many get courier delivery policies that are intended for local couriers or pizza delivery and. It intrastate freight. As well a carrier can sign a contract with a broker, carrier, or customer requiring certain limits of coverage. Then turn around and have their owner operators provide less.
Most all customers require at a minimum, 1 million liability and 100 thousand cargo coverage. If your carrier lets you carry less....this should be another red flag that your carrier is rogue. If they haul GM for instance the limits required are even higher.