RFLLC
DBA: ZIPP EXPRESS
FMCSA Live Status
Fleet & equipment
- Power units
- 12
- Drivers · CDL
- 16 · 4
- Annual miles
- 715k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 8 | 0 | 8 |
| Tractors | 0 | 4 | 0 | 4 |
| Trailers | 0 | 6 | 0 | 6 |
Registration
- FMCSA Rating
- Satisfactory (07-24-2019) · 7 yr old
- Registered
- 04-20-2004 (22 yrs)
- MCS-150 Update
- 10-21-2025
- FRED Score Date
- Nov 07, 2026
- Officer
- ELIZABETHANN ROSENBAUM SPRENGER
Cargo
- High-Risk Cargo
- 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.
Not enough record to grade yet.
22 inspections and 1 crash on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire fleets of 10–19 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
Per truck, fleets like this one are expected to crash about 1.7× as often as the median active fleet of 10–19 trucks.
A record this thin can't pin that down: about a 1-in-10 chance it runs at Poor-level crash rates.
Worth a closer look
From the FMCSA record. The estimate already counts the safety items; insurance filings and links to other motor carriers are context only.
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Lapse in liability filings265 days without a liability filing on FMCSA's record (May 21, 2023 – Feb 10, 2024) while the authority required one. A filing received later can be back-dated and close a lapse. Not in the grade.Ask: what covered the fleet during the gap.
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Driver qualification3 out-of-service violations against drivers: 3 no valid CDL (Feb 2026 – Mar 2026).Ask: driver qualification files and hiring standards.
- 1 crash in 24 months. No injuries, no fatalities.
- Vehicle out-of-service rate 15.4% vs 22.3% national.
- No FMCSA BASIC alerts.
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.042 | 0.031 |
| Inspections | 1.50 | 1.11 |
| Violations | 1.04 | 0.89 |
| Critical violations | 0.29 | 0.17 |
Yearly rates from the last 24 months. Peers: 10–19 power units, medium-risk cargo.
What they get cited for
25 violations · 24 months-
Vehicle maintenance No alert16 · 2 OOSBrakes 7 · Lights 4 · Tires 1 · Wheels & hubs 1 · Other parts 3
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Unsafe driving No alert5 · 0 OOSSeat belt 5
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Driver fitness No alert4 · 3 OOSNo valid CDL 3 · Medical certificate 1
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Hours of service No alert0
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Jun162026MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median.
No other reportable crashes on the FMCSA record.
Insurance filed with FMCSA
FMCSA record through May 14, 2026 · no change recorded by FMCSA since- Last on FMCSA's record (May 14, 2026)
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$1,000,000 · NATIONAL INDEMNITY COMPANYon record since Feb 10, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Feb 2024
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 3 liability insurers on FMCSA's record, 2 changes: HIGHLANDER SPECIALTY INSURANCE COMPANY → NATIONAL INDEMNITY COMPANY (Feb 2025); UNDERWRITERS AT LLOYDS LONDON → HIGHLANDER SPECIALTY INSURANCE COMPANY (Feb 2024)
- 2 cancellation notices filed by insurers; 1 took effect (the last May 21, 2023, replaced 265 days later); 1 replaced before it took effect
- 265 days without a liability filing (May 21, 2023 – Feb 10, 2024) while the authority required one; a later back-dated filing can close a lapse
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Feb 12, 2024)
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
36 filings and 21 authority events since 2004 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Feb 10, 2026NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Feb 10, 2025NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · ended Feb 10, 2026 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Feb 10, 2024HIGHLANDER SPECIALTY INSURANCE COMPANYCargo · ended Feb 21, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 10, 2024HIGHLANDER SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Feb 10, 2025 · replaced by another insurera cancellation notice effective Mar 8, 2025 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jan 22, 2024FMCSA revocation notice for the operating authority, dropped Feb 12, 2024cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 24, 2023FMCSA revocation notice for the operating authority, dropped Apr 26, 2023opened after UNDERWRITERS AT LLOYDS LONDON filed a cancellation notice (effective May 21, 2023)L&I to May 14, 2026
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Feb 10, 2023UNDERWRITERS AT LLOYDS LONDONCargo · ended May 21, 2023 · cancellation notice took effecta cancellation notice effective Feb 17, 2024 came after the replacement; 3 months in forceL&I to May 14, 2026
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Feb 10, 2023UNDERWRITERS AT LLOYDS LONDONLiability · $1,000,000 · ended May 21, 2023 · cancellation notice took effecta cancellation notice effective Feb 17, 2024 came after the replacement; 3 months in forceL&I to May 14, 2026
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Jan 20, 2023FMCSA revocation notice for the operating authority, dropped Feb 10, 2023opened after UNDERWRITERS AT LLOYDS LONDON filed a cancellation notice (effective Feb 16, 2023)L&I to May 14, 2026
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Feb 10, 2022UNDERWRITERS AT LLOYDS LONDONCargo · ended Feb 10, 2023 · replaced by the same insurer (renewal)a cancellation notice effective Feb 16, 2023 came after the replacement; 12 months in forceL&I to May 14, 2026
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Feb 10, 2022UNDERWRITERS AT LLOYDS LONDONLiability · $1,000,000 · ended Feb 10, 2023 · replaced by the same insurer (renewal)a cancellation notice effective Feb 16, 2023 came after the replacement; 12 months in forceL&I to May 14, 2026
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Feb 10, 2021UNDERWRITERS AT LLOYDS LONDONCargo · ended Feb 10, 2022 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Feb 10, 2021UNDERWRITERS AT LLOYDS LONDONLiability · $1,000,000 · ended Feb 10, 2022 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Feb 10, 2020UNDERWRITERS AT LLOYDS LONDONCargo · ended Feb 10, 2021 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Feb 10, 2020MANUFACTURERS ALLIANCE INSURANCE COMPANYLiability · $1,000,000 · ended Feb 10, 2021 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jan 14, 2020FMCSA revocation notice for the operating authority, dropped Feb 3, 2020cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 5, 2019FMCSA revocation notice for the operating authority, dropped Apr 12, 2019opened after MANUFACTURERS ALLIANCE INSURANCE COMPANY filed a cancellation notice (effective Apr 5, 2019)L&I to May 14, 2026
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Mar 11, 2019FMCSA revocation notice for the operating authority, dropped Mar 13, 2019opened after MANUFACTURERS ALLIANCE INSURANCE COMPANY filed a cancellation notice (effective Apr 5, 2019)L&I to May 14, 2026
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Feb 10, 2019MANUFACTURERS ALLIANCE INSURANCE COMPANYLiability · $1,000,000 · ended Apr 5, 2019 · cancellation notice took effecta cancellation notice effective Feb 10, 2020 came after the replacement; 2 months in forceL&I to May 14, 2026
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Jan 14, 2019FMCSA revocation notice for the operating authority, dropped Feb 11, 2019cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Dec 28, 2018UNDERWRITERS AT LLOYDS LONDONCargo · ended Feb 10, 2020 · cancellation notice took effect13 months in forceL&I to May 14, 2026
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Dec 3, 2018FMCSA revocation notice for the operating authority, dropped Dec 13, 2018cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Aug 30, 2018FMCSA revocation notice for the operating authority, dropped Sep 14, 2018opened after MANUFACTURERS ALLIANCE INSURANCE COMPANY filed a cancellation notice (effective Sep 26, 2018)L&I to May 14, 2026
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Dec 29, 2017UNDERWRITERS AT LLOYDS LONDONCargo · ended Dec 29, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Dec 29, 2017MANUFACTURERS ALLIANCE INSURANCE COMPANYLiability · $1,000,000 · ended Sep 26, 2018 · cancellation notice took effecta cancellation notice effective Feb 10, 2019 came after the replacement; 9 months in forceL&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
- Missouri (HQ) 17
- Illinois 4
- Kentucky 1
77% of inspections were in its home state.
How the estimate 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 (16 power units: 12 filed, 16 seen roadside in 24 months).
We'd expect a typical fleet of 16 power units this active to have about 0.9 crashes a year (sized from the 16 units seen roadside; 12 filed). This motor carrier recorded 2 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.7 a year) — fewer than a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.9 over the next 12. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.4× the injury/fatal weight of a typical crash.
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.
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA BASIC Scores
AB Property| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 5 | 1.17 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 3 | 0.97 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 5 | 4.83 |
SMS record data is sourced from FMCSA's Safety Measurement System (04-MAR-26 – 30-JUN-25) and may cover a different time window than the scoring window used for the FRED grade (Sep 1, 2023 → Sep 30, 2026). Counts here may differ from the grade's in-window counts.