POLYAK DISTRIBUTORS INC
DBA: POLYAK TRUCKING
FMCSA Live Status
Fleet & equipment
- Power units
- 28
- Drivers · CDL
- 25 · 25
- Annual miles
- 3.5M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 4 | 24 | 0 | 28 |
| Trailers | 8 | 40 | 0 | 48 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (08-09-1991) · 35 yr old
- Registered
- 03-07-1985 (41 yrs)
- MCS-150 Update
- 12-24-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- PAMELA JANE POLYAK
- Officer
- PAMELA JANE POLYAK
Cargo
- High-Risk Cargo
- General Freight, Household Goods, 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.
Too little record to tell how this motor carrier's crash rate compares with similar fleets.
Similar fleets: for-hire 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.
-
Injury crashes3 crashes with 3 people hurt in 24 months.Ask: claim status and driver history for these crashes.
-
Brakes and lightsBrakes are 23 of 64 violations (36%). Brake or light defects led to 5 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
-
Vehicle out-of-service rate46.4% of vehicle inspections end out of service vs 22.3% nationally (13 of 28). Across all its inspections, out-of-service orders run 1.36× what's expected for where and how it's inspected.
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
-
Dangerous driving: 3
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.054 | 0.027 |
| Inspections | 0.82 | 1.02 |
| Violations | 1.14 | 0.71 |
| Critical violations | 0.29 | 0.14 |
Yearly rates from the last 24 months. Peers: 20–49 power units, medium-risk cargo.
What they get cited for
64 violations · 24 months-
Vehicle maintenance No alert54 · 17 OOSBrakes 23 · Lights 12 · Tires 12 · Steering & suspension 2 · Cargo securement 1 · 4 more
-
Unsafe driving No alert5 · 0 OOSReckless / lane 2 · Phone use 1 · Speeding 1 · Other 1
-
Hours of service No alert5 · 0 OOSOver hours limit 3 · Logbook / ELD paperwork 1 · No log 1
-
Driver fitness No alert0
-
Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
May292026WisconsinInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
-
Jun32025WisconsinInjury · 1 person hurtDaylight, two-way trafficway not divided. FMCSA: not preventable.
-
Jan282025MichiganInjury · 1 person hurtDaylight, two-way trafficway not divided. FMCSA: not preventable.
3 of the 3 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
-
$1,000,000 · West Bend Insurance Companyon record since Oct 1, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Feb 1990
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 2 liability insurers on FMCSA's record, 1 change: Great West Casualty Co → West Bend Insurance Company (Oct 2026)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Mar 5, 1986)
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 3 authority events since 1986 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
Oct 1, 2026West Bend Insurance CompanyLiability · $1,000,000 · on fileFMCSA's new system
-
Oct 1, 2023Great West Casualty CoLiability · $1,000,000 · ended Oct 30, 2026 · replaced by another insurer37 months in forceFMCSA's new system
-
Oct 1, 2020SECURA INSURANCE, A MUTUAL CO.Liability · $750,000 · ended Oct 1, 2023 · replaced by another insurer36 months in forceL&I to May 14, 2026
-
Oct 1, 2018ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2020 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Sep 4, 2018FMCSA revocation notice for the operating authority, dropped Sep 27, 2018opened after GREAT WEST CASUALTY CO. filed a cancellation notice (effective Oct 1, 2018)L&I to May 14, 2026
-
Aug 11, 2011GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Oct 1, 2018 · cancellation notice took effect86 months in forceL&I to May 14, 2026
-
Jan 24, 2011FMCSA revocation notice for the operating authority, dropped Jan 20, 2011cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Jan 19, 2011GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Aug 11, 2011 · superseded by the same policy7 months in forceL&I to May 14, 2026
-
Mar 1, 2008GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Jan 19, 2011 · superseded by the same policy35 months in forceL&I to May 14, 2026
-
Mar 1, 2007CONTINENTAL WESTERN INSURANCE CO.Liability · $750,000 · ended Mar 1, 2008 · replaced by another insurer12 months in forceL&I to May 14, 2026
-
Mar 1, 2003CONTINENTAL WESTERN INSURANCE CO.Cargo · ended Feb 10, 2006 · cancellation notice took effect35 months in forceL&I to May 14, 2026
-
Mar 1, 2003CONTINENTAL WESTERN INSURANCE CO.Liability · $1,000,000 · ended Mar 1, 2007 · cancellation notice took effect48 months in forceL&I to May 14, 2026
-
Mar 1, 2002NORTHLAND INSURANCE COMPANYLiability · $1,000,000 · ended Mar 1, 2003 · replaced by another insurera cancellation notice effective Mar 28, 2003 came after the replacement; 12 months in forceL&I to May 14, 2026
-
Mar 1, 2001ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Mar 1, 2002 · replaced by another insurer12 months in forceL&I to May 14, 2026
-
Mar 1, 2000WEST BEND MUTUAL INSURANCE CO.Liability · $1,000,000 · ended Mar 1, 2001 · replaced by another insurer12 months in forceL&I to May 14, 2026
-
Feb 6, 1990GREAT WEST CASUALTY CO.Liability · $750,000 · ended Apr 4, 2000 · cancellation notice took effect122 months in forceL&I to May 14, 2026
-
Mar 5, 1986Operating authority grantedL&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
- Wisconsin (HQ) 31
- Illinois 5
Mostly inspected in its home state (86%).
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 (28 power units: 28 filed, 26 seen roadside in 24 months).
We'd expect a typical fleet of 28 power units this active to have about 1.1 crashes a year. This motor carrier recorded 5 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.7 a year) — about 1.5× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.3 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.
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 | 1.14 | |
| HOS Compliance | 3 | 0.41 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 22 | 9.84 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JUL-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.