DICK LAVY TRUCKING INC
DBA: DICK LAVY TRUCKING
(937) 448-2104
kwulber@dicklavytrucking.com
8848 State Route 121, Bradford OH 45308
201
power units · all owned
195 drivers
21.9M mi/yr · ~109k per unit
HazMat
Satisfactory
FRED Score 50.0 / 100
High confidence
44 yrs history · 336 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 201
- Drivers · CDL
- 195 · 195
- Annual miles
- 21.9M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 2 | 0 | 0 | 2 |
| Tractors | 199 | 0 | 0 | 199 |
| Trailers | 588 | 0 | 0 | 588 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (10-20-2005) · 21 yr old
- Registered
- 08-09-1982 (44 yrs)
- MCS-150 Update
- 06-19-2026 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- DICK LAVY
- Officer
- TIM ARNETT
Cargo
53.0
medium risk
Liquids/Gases
General Freight
Building Materials
Grain/Feed/Hay
Paper Products
Utility
Construction
Chemicals
- 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.
Expected crash rate is probably higher than similar fleets (about a 60% chance), but the record is too thin to say by how much.
Similar fleets: for-hire fleets of 200–499 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 1.12×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Marginal. Its estimate (1.12× similar fleets) is in the Marginal range, but the record isn't strong enough to be 60% sure it is above the Marginal line (1.06×), so the grade stays Satisfactory.
Expected crashes, next 12 months
8.0 vs 7.2 for similar fleets
Likely 3–13 crashes
This motor carrier
8.0
Similar fleets
7.2
Chance of a fatal crash, next 12 months
~20%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
Leans worse, not yet proven. 13 crashes on the FMCSA record in 24 months (about 6.5 a year), including 5 with injuries; similar fleets have about 7.2 a year. The grade counts 29 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.35× the rate expected for its inspections, but violations 0.36× and out-of-service orders 0.54×. Together they move its crash estimate -9%: roadside results weigh far less than crash history. It's inspected more often than most fleets its size.
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 crashes5 crashes with 5 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service4 out-of-service violations against drivers: 3 hours of service, 1 no valid CDL (Sep 2025 – Aug 2026).Ask: driver supervision and dispatch practices.
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Brakes and tiresBrakes are 21 of 128 violations (16%). Brake or tire defects led to 24 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Unsafe drivingCited 6 for speeding 15+ mph over or in a work zone and 1 for phone use.Ask: telematics, speed governance and phone policy.
Strengths
- Driver out-of-service rate 0.9% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 10
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Excessive speeding: 24
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
13
0 fatalities · 5 injuries · 0 tow-aways
Inspections
336
70% clean (no violations)
Vehicle out-of-service
17.5%
27 of 154
National avg 22.3%
Driver out-of-service
0.9%
3 of 336
National avg 6.7%
Violations
128
33 out-of-service
Inspections per quarter
With an out-of-service order
Sep 25–30, 2024 isn't charted (too little of that quarter is on file); the 24-month totals include its 4 inspections.
vs 1,008 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.032 | 0.022 |
| Inspections | 1.22 | 0.74 |
| Violations | 0.32 | 0.32 |
| Critical violations | 0.12 | 0.07 |
Yearly rates from the last 24 months. Peers: 200–499 power units, medium-risk cargo.
What they get cited for
128 violations · 24 months-
Unsafe driving No alert57 · 0 OOSSpeeding 26 · Reckless / lane 17 · Seat belt 8 · Phone use 1 · Other 5
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Vehicle maintenance No alert50 · 29 OOSBrakes 21 · Tires 19 · Wheels & hubs 3 · Lights 2 · Cargo securement 1 · 4 more
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Hours of service No alert20 · 3 OOSLogbook / ELD paperwork 10 · Over hours limit 7 · No log 2 · False log 1
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Driver fitness No alert1 · 1 OOSNo valid CDL 1
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Drugs & alcohol No alert0
Out-of-service violations
“No alert” = under FMCSA's BASIC intervention threshold
Violations by quarter
Tap a category to show or hide itNo violation trend data
Crashes
24 months-
Aug132026KentuckyProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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May82026OhioProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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May72026KentuckyProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Dec232025IndianaProperty damage onlyDark - unknown roadway lighting. FMCSA: not preventable.
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Nov232025ConnecticutInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Nov102025IndianaProperty damage onlySnow road, daylight, snow. FMCSA: not preventable.
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Jul292025GeorgiaInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Jul242025OhioInjury · 1 person hurtDaylight, one-way trafficway not divided. Citation issued.
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Jan242025OhioInjury · 1 person hurtWet road, daylight, two-way trafficway not divided. FMCSA: not preventable.
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Oct312024MarylandInjury · 1 person hurtDaylight, two-way trafficway divided positive barrier. FMCSA: not preventable.
5 more in the FMCSA records below.
5 of the 13 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
-
$1,000,000 · Great West Casualty Coon record since Feb 1, 2022 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Oct 2010
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- $75,000 surety bond (BMC-84) · American Alternative Insurance Corporation since Aug 15, 2025
36 months to Nov 2, 2026
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's new registration system, status since Dec 13, 1991)
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
32 filings and 7 authority events since 1982 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
32 filings and 7 authority events since 1982 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Aug 15, 2025American Alternative Insurance CorporationBroker bond (BMC-84) · on file · on fileFMCSA's new system
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Aug 4, 2025FMCSA revocation notice for the broker authority, dropped Aug 18, 2025cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Feb 1, 2022Great West Casualty CoLiability · $1,000,000 · on fileFMCSA's new system
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Apr 29, 2021FMCSA revocation notice for the operating authority, dropped Jun 8, 2021cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 29, 2021FMCSA revocation notice for the broker authority, dropped Jun 8, 2021cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Aug 1, 2019AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Feb 1, 2022 · replaced by another insurer30 months in forceL&I to May 14, 2026
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Apr 1, 2018AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Aug 1, 2019 · replaced by the same insurer (renewal)a cancellation notice effective Sep 4, 2019 came after the replacement; 16 months in forceL&I to May 14, 2026
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Jan 1, 2017AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Apr 1, 2018 · replaced by the same insurer (renewal)a cancellation notice effective May 1, 2018 came after the replacement; 15 months in forceL&I to May 14, 2026
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Sep 1, 2015AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Jan 1, 2017 · replaced by the same insurer (renewal)16 months in forceL&I to May 14, 2026
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Jul 1, 2014AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Sep 1, 2015 · replaced by the same insurer (renewal)a cancellation notice effective Oct 6, 2015 came after the replacement; 14 months in forceL&I to May 14, 2026
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Nov 26, 2013AMERICAN ALTERNATIVE INSURANCE CORPORATIONBroker bond (BMC-84) · ended Aug 15, 2025 · superseded by the same policya cancellation notice effective Aug 31, 2025 came after the replacement; 141 months in forceL&I to May 14, 2026
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Nov 1, 2013FMCSA revocation notice for the broker authority, dropped Nov 27, 2013cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 1, 2013AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Jul 1, 2014 · replaced by the same insurer (renewal)a cancellation notice effective Jul 16, 2014 came after the replacement; 15 months in forceL&I to May 14, 2026
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Jan 1, 2012AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Apr 1, 2013 · replaced by the same insurer (renewal)a cancellation notice effective Apr 22, 2013 came after the replacement; 15 months in forceL&I to May 14, 2026
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Oct 1, 2010OHIO CASUALTY INSURANCE CO.Cargo · ended Feb 9, 2012 · cancellation notice took effect16 months in forceL&I to May 14, 2026
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Oct 1, 2010OHIO SECURITY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 1, 2012 · replaced by another insurera cancellation notice effective Feb 9, 2012 came after the replacement; 15 months in forceL&I to May 14, 2026
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Oct 1, 2009OHIO CASUALTY INSURANCE CO.Cargo · ended Oct 27, 2009 · cancellation notice took effecta cancellation notice effective Oct 25, 2010 came after the replacement; 1 month in forceL&I to May 14, 2026
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Oct 1, 2009OHIO SECURITY INSURANCE COMPANYLiability · $1,000,000 · ended Oct 27, 2009 · cancellation notice took effecta cancellation notice effective Oct 25, 2010 came after the replacement; 1 month in forceL&I to May 14, 2026
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Nov 1, 2008OHIO CASUALTY INSURANCE CO.Cargo · ended Oct 1, 2009 · replaced by the same insurer (renewal)a cancellation notice effective Oct 26, 2009 came after the replacement; 11 months in forceL&I to May 14, 2026
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Nov 1, 2008OHIO SECURITY INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2009 · replaced by the same insurer (renewal)a cancellation notice effective Oct 26, 2009 came after the replacement; 11 months in forceL&I to May 14, 2026
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Feb 1, 2008OHIO SECURITY INSURANCE COMPANYLiability · $1,000,000 · ended Nov 1, 2008 · replaced by the same insurer (renewal)a cancellation notice effective Nov 27, 2008 came after the replacement; 9 months in forceL&I to May 14, 2026
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Nov 1, 2007LEXINGTON INSURANCE COMPANYCargo · ended Nov 1, 2008 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Apr 10, 2007LINCOLN GENERAL INSURANCE COMPANYLiability · $1,000,000 · ended Feb 1, 2008 · replaced by another insurera cancellation notice effective Feb 27, 2008 came after the replacement; 10 months in forceL&I to May 14, 2026
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Nov 1, 2006LINCOLN GENERAL INSURANCE COMPANYLiability · $750,000 · ended Apr 10, 2007 · superseded by the same policy5 months in forceL&I to May 14, 2026
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Nov 2, 2005LEXINGTON INSURANCE COMPANYCargo · ended Nov 1, 2007 · replaced by the same insurer (renewal)24 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
Loading map data…
Inspections by state
- Ohio (HQ) 63
- Kentucky 45
- Indiana 36
- Texas 30
- Missouri 24
- Illinois 22
- Arkansas 21
- Tennessee 20
19% of inspections were in its home state.
How this grade is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
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 (201 power units: 201 filed, 178 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
7.2
Actual, per year in window
9.7
Projected, next 12 mo
8.0
0
6
12
We'd expect a typical fleet of 201 power units this active to have about 7.2 crashes a year. This motor carrier recorded 29 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 9.7 a year) — about 1.3× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 8.0 over the next 12. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.2× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 20% 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:
331 inspections
and 29 crashes.
The FMCSA record tables now hold 332 inspections and 13 crashes in that window — the SMS data moved after this grade was computed.
Outside the scoring window
on the FMCSA record · not in this grade
Aged out — crashes before Sep 1, 2023, inspections before Oct 1, 2024
- Out-of-service inspection Sep 26, 2024 · MD · level 2 · 1 vehicle OOS · 1 violation
- 3 further inspections with no out-of-service result
Confidence: High · Z = 0.84
Satisfactory — 1.12x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.036 crashes per power-unit-year for a 201-unit for-hire fleet (pu200_499). Violations 0.91x (driver behaviour 1.35x, out-of-service 0.54x, all violations 0.36x; 331 inspections). Experience 1.23x: 12.7 decayed crashes against 10.1 expected over 36 months (credibility 0.84, a 1.88). 80% range 0.74–1.53x. Last change: no change since the last run.
No change since the previous weekly run.
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
3.6 crashes per 100 power-unit-years
201 power units · 7.16 expected crashes a year
Violation relativity
0.91×
331 inspections in window
Crash experience
1.23×
12.8 decayed crashes vs 10.1 expected · credibility 0.84
Driver behaviour
Out-of-service rate
All violations
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 1.12× (80% range 0.74–1.53×)
· band Marginal → displayed Satisfactory
· cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11, Critical above
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA BASIC Scores
AB PropertyTotal Inspections
336
Driver Insp
336
Driver OOS
3
Vehicle Insp
154
Vehicle OOS
27
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 53 | 1.80 | |
| HOS Compliance | 18 | 0.26 | |
| Driver Fitness | 1 | 0.05 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 38 | 2.42 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-MAR-26 – 31-OCT-24) 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.