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Motor Carrier Safety Report

DOT #1069248 · ANDREW ANDERSON

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ANDREW ANDERSON

DBA: ANDY'S TOWING

DOT# 1069248 MC# 445765 Fargo, ND Authorized For-Hire

(701) 232-0297 andyandersontowing@gmail.com 1709 White Stone Circle South, Fargo ND 58103

2 tractors · all owned 2 drivers 210k mi/yr · ~105k per unit

HazMat

Marginal

FRED Score 50.0 / 100

Prior-only confidence

24 yrs history · 0 roadside inspections

Capped at Marginal

Current FMCSA Conditional rating (12-01-2024)

Checking FMCSA…

Fleet & equipment

Power units: 2
Drivers · CDL: 2 · 2
Annual miles: 210k

Type	Own	Total
Trucks	0	0
Tractors	2	2
Trailers	0	0

Registration

FMCSA Rating: Conditional (12-01-2024)
Registered: 11-06-2002 (24 yrs)
MCS-150 Update: 09-02-2024
FRED Score Date: Nov 07, 2026
Officer: ANDREW ANDERSON

Cargo

67.4

medium risk

Motor Vehicles Drive/Tow Away Machinery/Large Objects General Freight Logs/Poles/Beams/Lumber Building Materials Other: TOWING Farm Supplies Construction

High-Risk Cargo: Motor Vehicles, Drive/Tow Away, Machinery Large, General Freight

Note: "General Freight" is a catch-all; the actual cargo mix and its risk may differ.

Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.

Held at Marginal by an FMCSA Rating

FMCSA currently rates this motor carrier Conditional (12-01-2024). While that rating stands, FRED grades the motor carrier no better than Marginal, even where its roadside and crash record alone would grade higher.

Advisory Grade — Outside the Ranked Book

Fleets under 10 power units are graded against their size cohort (pu2_5) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.

Too little record to tell how this motor carrier's crash rate compares with similar fleets.

Similar fleets: for-hire fleets of 2–5 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.

This motor carrier 1.21×

ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical

▲ Similar fleets 1.0×

Expected crashes, next 12 months

0.0 vs 0.0 for similar fleets

Most likely none

This motor carrier

0.0

Similar fleets

0.0

Chance of a fatal crash, next 12 months

<1%

About typical for similar fleets.

What's driving the grade

Crash history

betterworse

Too little record to tell. 0 crashes on the FMCSA record in 24 months; similar fleets have under 0.1 a year. The grade counts 1 crash in its 36-month scoring window, recent ones weighted most.

Roadside inspections

betterworse

No roadside record. No inspections in the scoring window, so roadside results leave its estimate at typical.

Worth a closer look

From the FMCSA record. The grade already counts the safety items; insurance filings and links to other motor carriers are not in it.

Nothing on the FMCSA record stands out.

Data flags

Current adverse FMCSA safety rating
FMCSA currently rates this motor carrier Conditional or Unsatisfactory — a recent formal finding of safety-management deficiencies. Treat as a serious underwriting concern.
Limited inspection history
Fewer than 5 roadside inspections on record, so there isn't enough data to score this motor carrier with high confidence — the score leans more on peers.

Track record

FMCSA record, last 24 months · grade scored on Sep 1, 2023 → Sep 30, 2026

Crashes

0 fatalities · 0 injuries · 0 tow-aways

Inspections

roadside inspections

Vehicle out-of-service

—

no inspections

National avg 22.3%

Driver out-of-service

—

no inspections

National avg 6.7%

Violations

0 out-of-service

vs 70,135 peer fleets

	This motor carrier	Peers
Crashes	0.000	0.039
Inspections	1.00	1.41
Violations	0.00	1.44
Critical violations	0.00	0.26

	This motor carrier	Peers
Crashes	0.000	0.064
Inspections	0.95	2.29
Violations	0.00	2.40
Critical violations	0.00	0.42

Yearly rates from the last 24 months. Peers: Small (advisory) power units, medium-risk cargo.

What they get cited for

0 violations · 24 months

No violations on the FMCSA record in the last 24 months.

Violations by quarter

Tap a category to show or hide it

No violation trend data

Crashes

24 months

No reportable crashes on the FMCSA record in the last 24 months.

Insurance filed with FMCSA

FMCSA record through May 14, 2026 · no change recorded by FMCSA since

Today · live FMCSA check

Checking FMCSA…

Last on FMCSA's record (May 14, 2026): $1,000,000 · UNITED FINANCIAL CASUALTY COMPANY
on record since Sep 20, 2024 · FMCSA minimum $1,000,000
Cargo filing: not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record

36 months to May 14, 2026

2 liability insurers on FMCSA's record, 1 change: PIONEER SPECIALTY INSURANCE COMPANY → UNITED FINANCIAL CASUALTY COMPANY (Sep 2024)
1 cancellation notice filed by an insurer; 1 took effect (the last Jun 7, 2023, replaced 471 days later)
No gap in filed liability coverage while liability was required

Operating authority active (FMCSA's L&I record of May 14, 2026, status since Sep 25, 2024)

Who insures fleets like this →

FMCSA filings only, not a policy audit. Not part of the FRED grade. Wrong or out of date?

Every insurance filing on the FMCSA record

8 filings and 8 authority events since 2002 · FMCSA record through May 14, 2026

Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.

Sep 25, 2024

Operating authority reinstated

L&I to May 14, 2026
Sep 20, 2024

UNITED FINANCIAL CASUALTY COMPANY

Liability · $1,000,000 · on file

L&I to May 14, 2026
Jun 13, 2023

Operating authority revoked (cause not stated)

L&I to May 14, 2026
Jul 18, 2011

PIONEER SPECIALTY INSURANCE COMPANY

Liability · $1,000,000 · ended Jun 7, 2023 · cancellation notice took effect

143 months in force

L&I to May 14, 2026
Jun 15, 2011

FMCSA revocation notice for the operating authority, dropped Jul 5, 2011

cause not stated in FMCSA's older records

L&I to May 14, 2026
Feb 10, 2011

Operating authority reinstated

L&I to May 14, 2026
Oct 27, 2010

WESTERN NATIONAL MUTUAL INSURANCE CO.

Liability · $1,000,000 · ended Jul 18, 2011 · insurer name change

9 months in force

L&I to May 14, 2026
Dec 4, 2006

Operating authority revoked (cause not stated)

L&I to May 14, 2026
Nov 27, 2006

WESTERN NATIONAL MUTUAL INSURANCE CO.

Liability · $1,000,000 · ended Apr 23, 2008 · cancellation notice took effect

17 months in force

L&I to May 14, 2026
Nov 27, 2005

STONINGTON INSURANCE COMPANY

Liability · $1,000,000 · ended Nov 27, 2006 · cancellation notice took effect

12 months in force

L&I to May 14, 2026
Oct 31, 2005

FMCSA revocation notice for the operating authority, dropped Nov 21, 2005

opened after WESTPORT INSURANCE CORPORATION filed a cancellation notice (effective Nov 27, 2005)

L&I to May 14, 2026
Nov 27, 2004

WESTPORT INSURANCE CORPORATION

Liability · $1,000,000 · ended Nov 27, 2005 · cancellation notice took effect

12 months in force

L&I to May 14, 2026
Nov 1, 2004

FMCSA revocation notice for the operating authority, dropped Dec 1, 2004

opened after WESTPORT INSURANCE CORPORATION filed a cancellation notice (effective Nov 27, 2004)

L&I to May 14, 2026
Nov 27, 2003

WESTPORT INSURANCE CORPORATION

Liability · $1,000,000 · ended Nov 27, 2004 · cancellation notice took effect

12 months in force

L&I to May 14, 2026
Dec 2, 2002

Operating authority granted

L&I to May 14, 2026
Nov 20, 2002

WESTFIELD INSURANCE CO.

Liability · $1,000,000 · ended Nov 27, 2003 · cancellation notice took effect

12 months in force

L&I to May 14, 2026

What the terms mean

Liability filing (BIPD):: The insurer's certificate (form BMC-91 or 91X) that the motor carrier carries bodily-injury and property-damage liability at or above FMCSA's minimum. A BMC-82 is the same promise made by a surety bond.
FMCSA minimum:: $750,000 for general freight in vehicles of 10,001 lb or more; $300,000 under 10,001 lb; $1,000,000 for oil and some hazardous materials; $5,000,000 for bulk hazardous materials (49 CFR 387.9).
Primary / excess:: An excess filing sits on top of a primary one; together they make the total filed limit.
Replaced:: A new filing took over from this one. Replaced the same day is an ordinary change of insurer or renewal.
Cancellation notice:: Form BMC-35 (insurance) or BMC-36 (bond): the insurer tells FMCSA the filing ends in 30 days. The insurer files it whether the insurer or the motor carrier ended the policy; FMCSA does not publish the reason.
Cancellation processed by FMCSA:: FMCSA itself ended the filing, for example when the authority was revoked.
Lapse:: Time with no liability filing on FMCSA's record while the authority required one. A filing received later can be back-dated, which closes a lapse after the fact.
Suspended for insurance:: FMCSA suspended the operating authority because no filing meeting the minimum was on file. FMCSA's records state this reason only since May 14, 2026; before then they show a revocation notice without a cause.
FMCSA notice resolved in time:: Before May 14, 2026, FMCSA served a revocation notice when a required filing lapsed and dropped it when the filing was restored. The notice does not say which filing lapsed.
Suspension notice:: Since May 14, 2026, FMCSA serves a notice that the authority will be suspended on a date unless the missing filing is restored. The notice does not say which filing.
Cargo filing:: Form BMC-34. FMCSA has required it only of household-goods motor carriers and forwarders since 2011, so most motor carriers' cargo policies are not on FMCSA's record.
Broker bond / trust fund:: Form BMC-84 (surety bond) or BMC-85 (trust fund): the $75,000 security a broker or freight forwarder must keep on file.
Self-insurance authority:: FMCSA lets a few large motor carriers carry their own liability; it appears as a filing by "Self-Insured".
Risk retention group:: An insurer owned by its policyholders (often trucking groups). It is not covered by state insurance guaranty funds.
FMCSA record through:: The date of the FMCSA file this section was built from. Dockets FMCSA's new system has not yet published are shown from the legacy record, frozen on May 14, 2026.

FMCSA's record of the insurance filed for this motor carrier's operating authority (forms BMC-91/91X liability, BMC-34 cargo, BMC-84/85 broker bond or trust), not the motor carrier's full insurance program. Only for-hire motor carriers with operating authority file with FMCSA; private and intrastate-only motor carriers keep proof of insurance at their place of business, so no filing does not mean no insurance. A filed limit is the amount the insurer certified to FMCSA, which can be below the policy's full limits; cargo and bond filings are shown as on file or not because FMCSA records the federal minimum rather than the policy amount. FMCSA's new registration system (May 14, 2026) publishes a partial set of dockets; a docket not yet in it is shown from the legacy record, frozen on that date, and the live check above is today's reading. Not part of the FRED grade. Wrong or out of date?

Where it happens

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How this grade is calculated

The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.

Forward 12-Month Risk Outlook

The FRED Score predicts this motor carrier's crash risk over the next 12 months — how often they're likely to crash and how severe those crashes tend to be — versus a typical fleet of its size (2 power units: 2 filed, 0 seen roadside in 24 months).

Crash Outlook vs Peer Fleet

crashes per year · same scale

Average peer fleet

0.0

Actual, per year in window

0.3

Projected, next 12 mo

0.0

0 0.25 0.5

We'd expect a typical fleet of 2 power units this active to have about 0.0 crashes a year. This motor carrier recorded 1 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.3 a year) — about 21.9× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.0 over the next 12 — about 1.2× the typical fleet. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.3× the injury/fatal weight of a typical crash.

Fatal-crash risk: less than a 1% chance in the next 12 months

Modeled fatal-crash rate is about typical for similar fleets (likelihood of at least one fatal crash, from its exposure and safety profile).

Track Record Used

Crashes Sep 1, 2023 → Aug 31, 2026 · inspections Oct 1, 2024 → Sep 30, 2026 · data as of Oct 29, 2026

Inside that window: 0 inspections and 1 crash. The FMCSA record tables now hold 0 inspections and 0 crashes in that window — the SMS data moved after this grade was computed.

Confidence: Prior-only · Z = 0.00 (posterior 0.03 × exposure corroboration) Provisional

Marginal — 1.21x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.008 crashes per power-unit-year for a 2-unit for-hire fleet (pu2_5). Violations 1.00x (driver behaviour 1.00x, out-of-service 1.00x, all violations 1.00x; 0 inspections). Experience 1.21x: 0.2 decayed crashes against 0.0 expected over 36 months (credibility 0.03, a 0.67). 80% range 0.09–2.91x. Capped at Marginal: current FMCSA Unsatisfactory or Conditional rating. Last change: no change since the last run.

No change since the previous weekly run.

Scoring flags Thin record (low credibility: little exposure behind the grade) (informational — no grade effect)

What Drives This Score

1.00× = this motor carrier's class rate

FRED multiplies three factors: the class rate a fleet of this size, class and activity is expected to run, a violation relativity from its roadside record, and its own crash experience over 36 months weighted by how much exposure stands behind it. The grade is the band of the resulting relativity to class, then the screens.

Class rate

0.8 crashes per 100 power-unit-years

2 power units · 0.02 expected crashes a year

Violation relativity

1.00×

0 inspections in window

Crash experience

1.21×

0.2 decayed crashes vs 0.0 expected · credibility 0.03

Driver behaviour

1.00×

Out-of-service rate

1.00×

All violations

1.00×

0×1× class2×+

Each sub-relativity is shrunk toward its cohort rate when the record is thin (Bühlmann credibility), so a short record reads close to 1.00×.

Relativity to class 1.21× (80% range 0.09–2.91×) · band Marginal · cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11, Critical above

Full methodology · Scoring white paper · Validation study

FMCSA records

BASIC measures and every inspection, violation and crash, sortable and filterable.

FMCSA BASIC Scores

AB Property

Total Inspections

Driver Insp

Driver OOS

Vehicle Insp

Vehicle OOS

BASIC	Insp w/ Viol	Measure	Alert
Unsafe Driving	0	0.00
HOS Compliance	0	0.00
Driver Fitness	0	0.00
Controlled Substances	0	0.00
Vehicle Maintenance	0	0.00

ANDREW ANDERSON

FMCSA Live Status

Fleet & equipment

Registration

Cargo

Worth a closer look

Track record

What they get cited for

Violations by quarter

Crashes

Insurance filed with FMCSA

Where it happens

Forward 12-Month Risk Outlook

FMCSA BASIC Scores