WHITAKER TOWING SERVICE LLC
(256) 582-3811
info@whitaker-services.com
2438 Loveless Street, Guntersville AL 35976
16
power units · all owned
10 drivers
429k mi/yr · ~27k per unit
Marginal
FRED Score 30.0 / 100
Low confidence
43 yrs history · 6 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 16
- Drivers · CDL
- 10 · 10
- Annual miles
- 429k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 11 | 0 | 0 | 11 |
| Tractors | 5 | 0 | 0 | 5 |
| Trailers | 8 | 0 | 0 | 8 |
Registration
- Organization
- INDIVIDUAL
- FMCSA Rating
- Conditional (09-20-2010)historical — superseded by active authority (reviewed 16 yr ago)
- Registered
- 03-17-1983 (43 yrs)
- MCS-150 Update
- 10-17-2024 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- SUSAN WHITAKER
- Officer
- TORREY WHITAKER
Cargo
67.2
medium risk
Drive/Tow Away
Machinery/Large Objects
General Freight
Building Materials
Other: WRECKER
Grain/Feed/Hay
Construction
- High-Risk Cargo
- 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.
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: 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.
This motor carrier 1.58×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Poor. Its estimate (1.58× similar fleets) is in the Poor range, but the record isn't strong enough to be 60% sure it is above the Poor line (1.57×), so the grade stays Marginal.
Expected crashes, next 12 months
0.6 vs 0.4 for similar fleets
Likely 0–2 crashes
This motor carrier
0.6
Similar fleets
0.4
Chance of a fatal crash, next 12 months
~2%
About 1.6× similar fleets.
What's driving the grade
Crash history
betterworse
Leans worse, not yet proven. 3 crashes on the FMCSA record in 24 months (about 1.5 a year), including 2 with injuries; similar fleets have about 0.4 a year.
Roadside inspections
betterworse
Worse than peers. Unsafe-driving and hours-of-service violations 1.92× the rate expected for its inspections. Together they move its crash estimate +7%: roadside results weigh far less than crash history.
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.
Data flags
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Historical FMCSA safety ratingFMCSA once rated this motor carrier Conditional or Unsatisfactory, but the rating is stale or superseded — the motor carrier still holds active operating authority (a current Unsatisfactory would have it revoked), so it does not reflect current standing. Shown for context, not as a current finding.
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
3
0 fatalities · 2 injuries · 0 tow-aways
Inspections
6
50% clean (no violations)
Vehicle out-of-service
25.0%
1 of 4
National avg 22.3%
Driver out-of-service
16.7%
1 of 6
National avg 6.7%
Violations
5
2 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 1 inspection.
vs 16,659 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.094 | 0.031 |
| Inspections | 0.31 | 1.11 |
| Violations | 0.16 | 0.89 |
| Critical violations | 0.03 | 0.17 |
Yearly rates from the last 24 months. Peers: 10–19 power units, medium-risk cargo.
What they get cited for
5 violations · 24 months-
Hours of service No alert2 · 1 OOSLogbook / ELD paperwork 1 · No log 1
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Vehicle maintenance No alert2 · 1 OOSCargo securement 1 · Wheels & hubs 1
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Unsafe driving No alert1 · 0 OOSSpeeding 1
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Driver fitness No alert0
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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-
Apr172026AlabamaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Oct82025AlabamaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Mar182025AlabamaInjury · 1 person hurtDaylight, two-way trafficway not divided.
2 of the 3 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through May 14, 2026 · no change recorded by FMCSA sinceToday · live FMCSA check
Checking FMCSA…
- Last on FMCSA's record (May 14, 2026)
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$1,000,000 · WILMINGTON INSURANCE COMPANYon record since Jan 29, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Feb 1997
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- required · none on file
36 months to May 14, 2026
- 2 liability insurers on FMCSA's record, 1 change: AMGUARD INSURANCE COMPANY → WILMINGTON INSURANCE COMPANY (Jan 2025)
- 2 cancellation notices filed by insurers; 2 took effect (the last Feb 8, 2025, replaced the same day)
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Apr 1, 2025)
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
56 filings and 25 authority events since 1993 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
56 filings and 25 authority events since 1993 · 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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Apr 1, 2025Operating authority reinstatedL&I to May 14, 2026
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Feb 18, 2025Operating authority revoked (cause not stated)L&I to May 14, 2026
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Jan 29, 2025WILMINGTON INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Feb 8, 2024AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2024FMCSA revocation notice for the operating authority, dropped Feb 5, 2024opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2024)L&I to May 14, 2026
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Feb 8, 2023AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 8, 2022AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jan 12, 2022FMCSA revocation notice for the operating authority, dropped Feb 7, 2022opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2022)L&I to May 14, 2026
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Feb 8, 2021AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2022 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2021FMCSA revocation notice for the operating authority, dropped Feb 8, 2021opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2021)L&I to May 14, 2026
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Feb 8, 2020AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 13, 2020FMCSA revocation notice for the operating authority, dropped Feb 10, 2020opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2020)L&I to May 14, 2026
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Feb 8, 2019AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 14, 2019FMCSA revocation notice for the operating authority, dropped Feb 11, 2019opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2019)L&I to May 14, 2026
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Feb 8, 2018AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2019 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2018FMCSA revocation notice for the operating authority, dropped Feb 9, 2018opened after PLAZA INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2018)L&I to May 14, 2026
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Feb 8, 2017PLAZA INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 3, 2017FMCSA revocation notice for the operating authority, dropped Feb 9, 2017opened after MARKEL INSURANCE COMPANY filed a cancellation notice (effective Mar 2, 2017)L&I to May 14, 2026
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Feb 8, 2013MARKEL INSURANCE COMPANYLiability · $750,000 · ended Feb 8, 2017 · replaced by another insurera cancellation notice effective Mar 2, 2017 came after the replacement; 48 months in forceL&I to May 14, 2026
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Jan 14, 2013FMCSA revocation notice for the operating authority, dropped Feb 8, 2013opened after PLAZA INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2013)L&I to May 14, 2026
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Feb 8, 2012PLAZA INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2012FMCSA revocation notice for the operating authority, dropped Feb 3, 2012opened after PLAZA INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2012)L&I to May 14, 2026
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Feb 8, 2011PLAZA INSURANCE COMPANYCargo · ended Feb 8, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 8, 2011PLAZA INSURANCE COMPANYLiability · $1,000,000 · ended Feb 8, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2011FMCSA revocation notice for the operating authority, dropped Feb 8, 2011opened after PLAZA INSURANCE COMPANY filed a cancellation notice (effective Feb 8, 2011)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
Loading map data…
Inspections by state
- Tennessee 3
- Alabama (HQ) 2
- Florida 1
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 (16 power units: 16 filed, 6 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.4
Actual, per year in window
1.0
Projected, next 12 mo
0.6
0
0.75
1.5
We'd expect a typical fleet of 16 power units this active to have about 0.4 crashes a year. This motor carrier recorded 3 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.0 a year) — about 2.5× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.6 over the next 12 — about 1.6× the typical fleet. 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.
Fatal-crash risk: about 2% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.6× that of 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:
5 inspections
and 3 crashes.
Outside the scoring window
on the FMCSA record · not in this grade
Aged out — crashes before Sep 1, 2023, inspections before Oct 1, 2024
- 1 inspection with no out-of-service result
Confidence: Low · Z = 0.16 (posterior 0.22 × exposure corroboration)
Marginal — 1.58x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.025 crashes per power-unit-year for a 16-unit for-hire fleet (pu10_19). Violations 1.07x (driver behaviour 1.92x, out-of-service 0.84x, all violations 1.13x; 5 inspections). Experience 1.47x: 2.1 decayed crashes against 0.7 expected over 36 months (credibility 0.22, a 2.45). 80% range 0.72–2.58x. 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
2.5 crashes per 100 power-unit-years
16 power units · 0.41 expected crashes a year
Violation relativity
1.07×
5 inspections in window
Crash experience
1.47×
2.1 decayed crashes vs 0.7 expected · credibility 0.22
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 1.58× (80% range 0.72–2.58×)
· band Poor → displayed Marginal
· 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
6
Driver Insp
6
Driver OOS
1
Vehicle Insp
4
Vehicle OOS
1
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 1 | 0.97 | |
| HOS Compliance | 2 | 1.84 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 2 | 1.20 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JUN-25 – 29-APR-26) 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.