JAMES R POSHARD & SON INC
FMCSA Live Status
Fleet & equipment
- Power units
- 32
- Drivers · CDL
- 32 · 32
- Annual miles
- 1.8M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 6 | 26 | 0 | 32 |
| Trailers | 41 | 6 | 0 | 47 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (11-02-2009) · 17 yr old
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 04-30-2025 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- CASEY HUDSON
- Officer
- HOLLY HUDSON
Cargo
- High-Risk Cargo
- Machinery Large, Oilfield Equipment, 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.
Expected crash rate is probably higher than similar fleets (about an 80% chance), but the record is too thin to say by how much.
Similar fleets: interstate fleets of 20–49 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
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.
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Injury crashes2 crashes with 2 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Brakes and tiresBrakes are 12 of 54 violations (22%). Brake or tire defects led to 5 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Unsafe drivingCited 3 for speeding 15+ mph over or in a work zone.Ask: telematics, speed governance and phone policy.
- Driver out-of-service rate 2.1% vs 6.7% national.
- No FMCSA BASIC alerts.
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Dangerous driving: 2
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Excessive speeding: 20
Track record
Inspected about as often as interstate fleets of 20–49 trucks in Indiana (about 35 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.094 | 0.029 |
| Inspections | 1.08 | 1.11 |
| Violations | 0.84 | 0.77 |
| Critical violations | 0.20 | 0.15 |
Yearly rates from the last 24 months. Peers: interstate fleets, 20–49 power units, medium-risk cargo.
What they get cited for
54 violations · 24 months-
Unsafe driving No alert30 · 0 OOSSpeeding 23 · Seat belt 4 · Reckless / lane 3
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Vehicle maintenance No alert23 · 8 OOSBrakes 12 · Tires 3 · Cargo securement 2 · Lights 2 · Steering & suspension 1 · 3 more
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Driver fitness No alert1 · 1 OOSMedical 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-
Jan202026KentuckyProperty damage onlyDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Dec42025IndianaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Nov252025IndianaInjury · 1 person hurtWet road, daylight, rain, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Jul292025IndianaInjury · 1 person hurtDaylight.
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Dec272024IndianaProperty damage onlyWet road, dark - not lighted, rain, two-way trafficway not divided.
2 of the 5 crashes hurt someone but killed no one.
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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$750,000 · ACUITY, A MUTUAL INSURANCE COMPANYon record since Jun 5, 2022 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jun 1992
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Jun 4, 2013)
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
19 filings and 7 authority events since 1978 · 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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Jun 5, 2022ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Jun 5, 2018ACUITY, A MUTUAL INSURANCE COMPANYCargo · ended Jul 10, 2022 · cancellation notice took effect49 months in forceL&I to May 14, 2026
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Jun 5, 2018ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2022 · replaced by the same insurer (renewal)48 months in forceL&I to May 14, 2026
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Jun 5, 2013ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2018 · replaced by the same insurer (renewal)60 months in forceL&I to May 14, 2026
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May 9, 2013FMCSA revocation notice for the operating authority, dropped Jun 4, 2013opened after EASTERN ATLANTIC INSURANCE COMPANY filed a cancellation notice (effective Jun 5, 2013)L&I to May 14, 2026
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Jun 5, 2012EASTERN ATLANTIC INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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May 9, 2012FMCSA revocation notice for the operating authority, dropped May 31, 2012opened after EASTERN ATLANTIC INSURANCE COMPANY filed a cancellation notice (effective Jun 5, 2012)L&I to May 14, 2026
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Jun 5, 2011EASTERN ATLANTIC INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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May 9, 2011FMCSA revocation notice for the operating authority, dropped Jun 3, 2011opened after EASTERN ATLANTIC INSURANCE COMPANY filed a cancellation notice (effective Jun 5, 2011)L&I to May 14, 2026
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Mar 17, 2011FMCSA revocation notice for the operating authority, dropped Mar 21, 2011cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jun 5, 2010EASTERN ATLANTIC INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 5, 2009HARLEYSVILLE MUTUAL INSURANCE CO.Cargo · ended Apr 13, 2011 · cancellation notice took effect22 months in forceL&I to May 14, 2026
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Jun 5, 2009HARLEYSVILLE MUTUAL INSURANCE CO.Cargo · ended Jul 4, 2009 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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Jun 5, 2009EASTERN ATLANTIC INSURANCE COMPANYLiability · $750,000 · ended Jun 5, 2010 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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May 11, 2009FMCSA revocation notice for the operating authority, dropped Jun 5, 2009opened after AUTO OWNERS INSURANCE COMPANY filed a cancellation notice (effective Jun 5, 2009)L&I to May 14, 2026
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Mar 7, 2009AUTO OWNERS INSURANCE COMPANYCargo · ended Jun 5, 2009 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Mar 7, 2009AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Jun 5, 2009 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jun 5, 2007AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Mar 7, 2009 · cancellation notice took effect21 months in forceL&I to May 14, 2026
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Jan 3, 2006AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Jun 5, 2007 · replaced by the same insurer (renewal)17 months in forceL&I to May 14, 2026
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Dec 23, 2005FMCSA revocation notice for the operating authority, dropped Jan 4, 2006opened after AUTO OWNERS INSURANCE COMPANY filed a cancellation notice (effective Jan 19, 2006)L&I to May 14, 2026
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Nov 25, 2005AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Jan 3, 2006 · superseded by the same policya cancellation notice effective Jan 19, 2006 came after the replacement; 1 month in forceL&I to May 14, 2026
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Jun 15, 2005AUTO OWNERS INSURANCE COMPANYCargo · ended Mar 7, 2009 · cancellation notice took effect45 months in forceL&I to May 14, 2026
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Jun 15, 1996AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Nov 25, 2005 · replaced by the same insurer (renewal)113 months in forceL&I to May 14, 2026
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Jun 15, 1992AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Jun 15, 1996 · replaced by the same insurer (renewal)48 months in forceL&I to May 14, 2026
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Nov 20, 1990AUTO OWNERS INSURANCE COMPANYCargo · ended Nov 25, 2005 · replaced by the same insurer (renewal)180 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
- Indiana (HQ) 40
- Kentucky 6
- Illinois 2
Mostly inspected in its home state (83%).
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 (32 power units: 32 filed, 26 seen roadside in 24 months).
We'd expect a typical fleet of 32 power units this active to have about 1.2 crashes a year. This motor carrier recorded 6 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.0 a year) — about 1.6× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.7 over the next 12 — about 1.4× 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.
- 2 inspections with no out-of-service result
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 | 30 | 8.93 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 1 | 0.10 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 11 | 7.53 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JUL-26 – 29-JUL-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.