A&T TRUCKING LLC
(319) 486-6948
at.safety15@gmail.com
321 W 18th Street, Waterloo IA 50701
60
tractors
62 drivers
4.4M mi/yr · ~74k per unit
Marginal
FRED Score 43.4 / 100
Moderate confidence
12 yrs history · 108 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 60
- Drivers · CDL
- 62 · 62
- Annual miles
- 4.4M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 40 | 20 | 0 | 60 |
| Trailers | 120 | 0 | 0 | 120 |
Registration
- Registered
- 10-30-2014 (12 yrs)
- MCS-150 Update
- 03-03-2026
- FRED Score Date
- Nov 07, 2026
- Officer
- MERIMA OKANOVIC
Cargo
56.6
medium risk
Metal: Sheets/Coils/Rolls
Meat
Refrigerated Food
General Freight
Building Materials
Fresh Produce
Beverages
Dry Bulk
Paper Products
Farm Supplies
Construction
- High-Risk Cargo
- General Freight, Refrigerated Food, Meat
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 70% chance), but the record is too thin to say by how much.
Similar fleets: interstate fleets of 50–99 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 1.23×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
3.0 vs 2.4 for similar fleets
Likely 1–6 crashes
This motor carrier
3.0
Similar fleets
2.4
Chance of a fatal crash, next 12 months
~8%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
Leans worse, not yet proven. 7 crashes on the FMCSA record in 24 months (about 3.5 a year), including 4 with injuries; similar fleets have about 2.4 a year. The grade counts 13 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.30× the rate expected for its inspections, but violations 0.79×. Together they barely move its crash estimate. 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 crashes4 crashes with 6 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service2 out-of-service violations against drivers: 2 hours of service (Nov 2024).Ask: driver supervision and dispatch practices.
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Brakes and lightsBrakes are 42 of 113 violations (37%). Brake or light defects led to 15 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
Strengths
- Driver out-of-service rate 0.9% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 6
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
7
0 fatalities · 6 injuries · 0 tow-aways
Inspections
108
53% clean (no violations)
Vehicle out-of-service
29.1%
16 of 55
National avg 22.3%
Driver out-of-service
0.9%
1 of 108
National avg 6.7%
Violations
113
25 out-of-service
Inspected more often than interstate fleets of 50–99 trucks in Iowa (about 61 in 24 months would be typical).
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 2 inspections.
vs 4,155 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.067 | 0.026 |
| Inspections | 1.58 | 0.97 |
| Violations | 0.94 | 0.56 |
| Critical violations | 0.14 | 0.11 |
Yearly rates from the last 24 months. Peers: interstate fleets, 50–99 power units, medium-risk cargo.
What they get cited for
113 violations · 24 months-
Vehicle maintenance No alert84 · 23 OOSBrakes 42 · Lights 17 · Tires 11 · Cargo securement 3 · Steering & suspension 1 · 10 more
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Hours of service No alert14 · 2 OOSLogbook / ELD paperwork 9 · No log 3 · False log 1 · Over hours limit 1
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Unsafe driving No alert13 · 0 OOSReckless / lane 9 · Speeding 3 · Other 1
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Driver fitness No alert2 · 0 OOSMedical certificate 1 · No 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-
Apr282026MissouriInjury · 1 person hurtWet road, daylight, two-way trafficway divided unprotected median.
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Jan222026TexasProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jul172025IowaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Jun292025GeorgiaInjury · 2 people hurtWet road, daylight, two-way trafficway divided unprotected median.
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May162025South DakotaProperty damage onlyWet road, daylight, severe crosswinds, two-way trafficway not divided.
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Apr102025LouisianaInjury · 2 people hurtDark - not lighted, two-way trafficway divided positive barrier.
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Jan42025North DakotaProperty damage onlyDark - not lighted, two-way trafficway divided positive barrier.
4 of the 7 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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$750,000 · SENTRY SELECT INSURANCE COMPANYon record since May 1, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Sep 2015
- 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
- 3 liability insurers on FMCSA's record, 2 changes: FALLS LAKE NATIONAL INSURANCE COMPANY → SENTRY SELECT INSURANCE COMPANY (May 2025); ACE PROPERTY AND CASUALTY INSURANCE COMPANY → FALLS LAKE NATIONAL INSURANCE COMPANY (May 2024)
- 2 cancellation notices filed by insurers; 1 took effect (the last May 1, 2025, replaced the same day); 1 replaced before it took effect
- 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 30, 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
14 filings and 10 authority events since 2015 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
14 filings and 10 authority events since 2015 · 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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May 1, 2025SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Apr 4, 2025FMCSA revocation notice for the operating authority, dropped Apr 30, 2025opened after FALLS LAKE NATIONAL INSURANCE COMPANY filed a cancellation notice (effective May 1, 2025)L&I to May 14, 2026
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Jan 16, 2025FALLS LAKE NATIONAL INSURANCE COMPANYLiability · $750,000 · ended May 1, 2025 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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May 1, 2024FALLS LAKE NATIONAL INSURANCE COMPANYLiability · $750,000 · ended Jan 16, 2025 · superseded by the same policya cancellation notice effective Feb 15, 2025 came after the replacement; 9 months in forceL&I to May 14, 2026
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May 1, 2023ACE PROPERTY AND CASUALTY INSURANCE COMPANYLiability · $750,000 · ended May 1, 2024 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Apr 4, 2023FMCSA revocation notice for the operating authority, dropped Apr 26, 2023opened after FREEDOM SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 1, 2023)L&I to May 14, 2026
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May 1, 2022FREEDOM SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 1, 2023 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 4, 2022FMCSA revocation notice for the operating authority, dropped Apr 28, 2022opened after FREEDOM SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 1, 2022)L&I to May 14, 2026
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May 1, 2021FREEDOM SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 1, 2022 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 20, 2021Broker authority revoked (cause not stated)L&I to May 14, 2026
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Apr 5, 2021FMCSA revocation notice for the operating authority, dropped Apr 30, 2021opened after SENTRY SELECT INSURANCE COMPANY filed a cancellation notice (effective May 1, 2021)L&I to May 14, 2026
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Feb 22, 2020UNITED STATES FIRE INSURANCE CO.Broker bond (BMC-84) · ended Mar 24, 2022 · cancellation notice took effect25 months in forceL&I to May 14, 2026
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May 1, 2019SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended May 1, 2021 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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May 5, 2017GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended May 1, 2019 · replaced by another insurera cancellation notice effective Jun 3, 2019 came after the replacement; 24 months in forceL&I to May 14, 2026
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Apr 23, 2017PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended May 5, 2017 · replaced by another insurerL&I to May 14, 2026
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Mar 27, 2017FMCSA revocation notice for the operating authority, dropped Apr 21, 2017opened after NATIONAL INDEMNITY COMPANY OF MID-AMERICA filed a cancellation notice (effective Apr 23, 2017)L&I to May 14, 2026
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Feb 28, 2017Broker authority grantedL&I to May 14, 2026
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Feb 22, 2017LEXON INSURANCE COMPANYBroker bond (BMC-84) · ended Feb 22, 2020 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Apr 23, 2016NATIONAL INDEMNITY COMPANY OF MID-AMERICALiability · $750,000 · ended Apr 23, 2017 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 4, 2016FMCSA revocation notice for the operating authority, dropped Apr 22, 2016opened after PROGRESSIVE NORTHERN INSURANCE COMPANY filed a cancellation notice (effective Apr 29, 2016)L&I to May 14, 2026
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Oct 13, 2015PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Apr 23, 2016 · replaced by another insurera cancellation notice effective Apr 29, 2016 came after the replacement; 6 months in forceL&I to May 14, 2026
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Oct 6, 2015FMCSA revocation notice for the operating authority, dropped Oct 14, 2015cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 11, 2015Operating authority grantedL&I to May 14, 2026
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Sep 2, 2015PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Oct 13, 2015 · replaced by the same insurer (renewal)1 month 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
- Iowa (HQ) 20
- Missouri 9
- Illinois 8
- Texas 8
- Kansas 7
- New Mexico 6
- Utah 5
- Louisiana 4
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 (60 power units: 60 filed, 53 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
2.4
Actual, per year in window
4.3
Projected, next 12 mo
3.0
0
2.5
5
We'd expect a typical fleet of 60 power units this active to have about 2.4 crashes a year. This motor carrier recorded 13 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 4.3 a year) — about 1.8× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 3.0 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: about 8% 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:
103 inspections
and 13 crashes.
The FMCSA record tables now hold 106 inspections and 7 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 27, 2024 · NM · level 1 · 1 vehicle OOS · 2 violations
- 1 further inspection with no out-of-service result
Confidence: Moderate · Z = 0.46
Marginal — 1.23x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.040 crashes per power-unit-year for a 60-unit for-hire fleet (pu50_99). Violations 1.00x (driver behaviour 1.30x, out-of-service 0.87x, all violations 0.79x; 103 inspections). Experience 1.23x: 5.6 decayed crashes against 3.7 expected over 36 months (credibility 0.46, a 4.48). 80% range 0.74–1.76x. 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
4.0 crashes per 100 power-unit-years
60 power units · 2.43 expected crashes a year
Violation relativity
1.00×
103 inspections in window
Crash experience
1.23×
5.6 decayed crashes vs 3.7 expected · credibility 0.46
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 1.23× (80% range 0.74–1.76×)
· band 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
108
Driver Insp
108
Driver OOS
1
Vehicle Insp
55
Vehicle OOS
16
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 13 | 1.55 | |
| HOS Compliance | 10 | 0.25 | |
| Driver Fitness | 2 | 0.04 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 33 | 7.82 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JAN-25 – 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.