COOPER TRUCK LINE INC
(662) 252-5505
melissa@coopertruckline.com
415 E Industrial Park Rd, Holly Springs MS 38635
32
tractors · all owned
34 drivers
4.1M mi/yr · ~128k per unit
Marginal
FRED Score 30.0 / 100
Moderate confidence
41 yrs history · 127 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 32
- Drivers · CDL
- 34 · 34
- Annual miles
- 4.1M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 32 | 0 | 0 | 32 |
| Trailers | 141 | 0 | 0 | 141 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (10-25-2006) · 20 yr old
- Registered
- 04-10-1985 (41 yrs)
- MCS-150 Update
- 07-22-2026 (Address Change)
- FRED Score Date
- Nov 08, 2026
- Officer
- TIM COOPER
- Officer
- BRAD COOPER
Cargo
63.1
medium risk
Metal: Sheets/Coils/Rolls
Machinery/Large Objects
General Freight
Building Materials
Beverages
Other: FURNITURE
Grain/Feed/Hay
Paper Products
Construction
Chemicals
- High-Risk Cargo
- Machinery Large, General Freight, Other: FURNITURE
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 about 1.8× that of similar fleets.
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.
Per truck, fleets like this one are expected to crash about 1.6× as often as the median active fleet of 20–49 trucks.
This motor carrier 1.77×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Poor. Its estimate (1.77× 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
3.5 vs 2.0 for similar fleets
Likely 1–7 crashes
This motor carrier
3.5
Similar fleets
2.0
Chance of a fatal crash, next 12 months
~9%
About 1.8× 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 2 with injuries; similar fleets have about 2 a year. The grade counts 11 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Worse than peers. Unsafe-driving and hours-of-service violations 1.56× the rate expected for its inspections. Together they move its crash estimate +8%: 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 crashes2 crashes with 2 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: 4 hours of service (Apr 2025 – May 2026).Ask: driver supervision and dispatch practices.
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Brakes and lightsBrakes are 37 of 126 violations (29%). Brake or light defects led to 15 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Vehicle out-of-service rate43.4% of vehicle inspections end out of service vs 22.3% nationally (23 of 53). Across all its inspections, out-of-service orders run 1.25× what's expected for where and how it's inspected.
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Falsified logs2 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
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Unsafe drivingCited 3 for speeding 15+ mph over or in a work zone and 2 for phone use.Ask: telematics, speed governance and phone policy.
Strengths
- Driver out-of-service rate 3.9% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
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Dangerous driving: 5
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High speeding: 8
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Substance violations: 1
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
7
0 fatalities · 2 injuries · 0 tow-aways
Inspections
127
55% clean (no violations)
Vehicle out-of-service
43.4%
23 of 53
National avg 22.3%
Driver out-of-service
3.9%
5 of 127
National avg 6.7%
Violations
126
39 out-of-service
Inspected more often than interstate fleets of 20–49 trucks in Mississippi (about 40 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
vs 10,543 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.141 | 0.029 |
| Inspections | 3.08 | 1.12 |
| Violations | 1.98 | 0.78 |
| Critical violations | 0.48 | 0.15 |
Yearly rates from the last 24 months. Peers: interstate fleets, 20–49 power units, medium-risk cargo.
What they get cited for
126 violations · 24 months-
Vehicle maintenance No alert91 · 35 OOSBrakes 37 · Lights 24 · Tires 16 · Wheels & hubs 5 · Cargo securement 2 · 7 more
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Unsafe driving No alert23 · 0 OOSSpeeding 9 · Reckless / lane 7 · Seat belt 3 · Phone use 2 · Other 2
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Hours of service No alert12 · 4 OOSLogbook / ELD paperwork 8 · False log 2 · No log 2
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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-
May272026VirginiaInjury · 1 person hurtWet road, daylight, rain, two-way trafficway divided unprotected median. Citation issued.
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May22026MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Apr52026VirginiaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Mar202026VirginiaProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
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Mar152025TennesseeProperty damage onlyWet road, dark - lighted, two-way trafficway divided positive barrier.
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Nov272024TennesseeInjury · 1 person hurtDaylight, two-way trafficway divided positive barrier.
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Oct312024MississippiProperty damage onlyDaylight, two-way trafficway not divided.
2 of the 7 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 7, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
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$1,000,000 · Sentry Select Insurance Companyon record since Nov 1, 2022 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jul 1994
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to Nov 7, 2026
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Oct 1, 1990)
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
21 filings and 4 authority events since 1990 · FMCSA record through Nov 7, 2026
Every insurance filing on the FMCSA record
21 filings and 4 authority events since 1990 · FMCSA record through Nov 7, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Nov 1, 2022Sentry Select Insurance CompanyLiability · $1,000,000 · on fileFMCSA's new system
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Jul 19, 2020SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Nov 1, 2022 · replaced by the same insurer (renewal)27 months in forceL&I to May 14, 2026
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Jul 19, 2017NORTHLAND INSURANCE COMPANYLiability · $1,000,000 · ended Jul 19, 2020 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Jul 19, 2016NATIONAL CASUALTY COMPANYLiability · $1,000,000 · ended Jul 19, 2017 · replaced by another insurera cancellation notice effective Aug 22, 2017 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jul 19, 2012NORTHLAND INSURANCE COMPANYLiability · $1,000,000 · ended Jul 19, 2016 · replaced by another insurera cancellation notice effective Aug 22, 2016 came after the replacement; 48 months in forceL&I to May 14, 2026
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Jun 22, 2012FMCSA revocation notice for the operating authority, dropped Jul 18, 2012opened after STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIA filed a cancellation notice (effective Jul 19, 2012)L&I to May 14, 2026
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Jul 19, 2010STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $1,000,000 · ended Jul 19, 2012 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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Jun 22, 2010FMCSA revocation notice for the operating authority, dropped Jul 21, 2010opened after STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIA filed a cancellation notice (effective Jul 19, 2010)L&I to May 14, 2026
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Jul 19, 2008STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $1,000,000 · ended Jul 19, 2010 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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Nov 14, 2005FMCSA revocation notice for the operating authority, dropped Nov 25, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jul 19, 2004SENTRY SELECT INSURANCE COMPANYCargo · ended Aug 19, 2005 · cancellation notice took effect13 months in forceL&I to May 14, 2026
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Jul 19, 2004SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Jul 19, 2008 · replaced by another insurera cancellation notice effective Aug 20, 2008 came after the replacement; 48 months in forceL&I to May 14, 2026
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Jul 19, 2003CHEROKEE INSURANCE COMPANYCargo · ended Jul 19, 2004 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jul 19, 2003CHEROKEE INSURANCE COMPANYLiability · $1,000,000 · ended Jul 19, 2004 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jul 19, 2001CONTINENTAL CASUALTY CO.Cargo · ended Jul 19, 2003 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Jul 19, 2001NATIONAL FIRE INSURANCE CO. OF HARTFORDLiability · $1,000,000 · ended Jul 19, 2003 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Jul 19, 2000THE CONNECTICUT INDEMNITY CO.Liability · $1,000,000 · ended Jul 19, 2001 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 19, 1999UTICA MUTUAL INSURANCE CO.Liability · $1,000,000 · ended Jul 19, 2000 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 19, 1998HARTFORD FIRE INSURANCE COMPANYCargo · ended Jul 19, 2001 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Jul 19, 1998HANOVER INSURANCE CO.Liability · $1,000,000 · ended Jul 19, 1999 · replaced by another insurera cancellation notice effective Aug 16, 1999 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jul 19, 1997SELECT INSURANCE CO.Liability · $1,000,000 · ended Jul 19, 1998 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 19, 1996SELECT INSURANCE CO.Liability · $1,000,000 · ended Jul 19, 1997 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 19, 1995THE CONTINENTAL INSURANCE CO.Cargo · ended Jul 19, 1998 · cancellation notice took effect36 months in forceL&I to May 14, 2026
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Jul 19, 1994CONTINENTAL NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · ended Jul 19, 1996 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Oct 1, 1990Operating 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
Loading map data…
Inspections by state
- Tennessee 40
- Mississippi (HQ) 23
- Missouri 9
- Georgia 8
- Alabama 5
- Arkansas 5
- Maryland 5
- New York 5
18% 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 (35 power units: 32 filed, 35 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
2.0
Actual, per year in window
3.7
Projected, next 12 mo
3.5
0
2.25
4.5
We'd expect a typical fleet of 35 power units this active to have about 2.0 crashes a year (sized from the 35 units seen roadside; 32 filed). This motor carrier recorded 11 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 3.7 a year) — about 1.9× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 3.5 over the next 12 — about 1.8× 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 9% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.8× that of similar fleets (likelihood of at least one fatal crash, from its exposure and safety profile).
Track Record Used
Crashes Oct 1, 2023 → Sep 30, 2026 · inspections Nov 1, 2024 → Oct 31, 2026 · data as of Nov 4, 2026
Inside that window:
127 inspections
and 11 crashes.
The FMCSA record tables now hold 125 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 Oct 1, 2023, inspections before Nov 1, 2024
- 2 inspections with no out-of-service result
Confidence: Moderate · Z = 0.56
Marginal — 1.77x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.056 crashes per power-unit-year for a 35-unit for-hire fleet (pu20_49). Violations 1.08x (driver behaviour 1.56x, out-of-service 1.25x, all violations 1.14x; 127 inspections). Experience 1.63x: 7.0 decayed crashes against 3.3 expected over 36 months (credibility 0.56, a 2.56). 80% range 1.06–2.57x. Fleet sized at 35 units from roadside VINs (32 filed). Last change: a new crash.
Since the previous weekly run the risk relativity moved +25.9%, driven by a new crash on the record.
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
5.6 crashes per 100 power-unit-years
35 power units (32 filed, 35 seen roadside) · 1.96 expected crashes a year
Violation relativity
1.08×
127 inspections in window
Crash experience
1.63×
7.0 decayed crashes vs 3.3 expected · credibility 0.56
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 1.77× (80% range 1.06–2.57×)
· 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
127
Driver Insp
127
Driver OOS
5
Vehicle Insp
53
Vehicle OOS
23
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 21 | 4.77 | |
| HOS Compliance | 10 | 0.40 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 1 | 0.13 | |
| Vehicle Maintenance | 33 | 8.69 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-26 – 31-MAY-25) and may cover a different time window than the scoring window used for the FRED grade (Oct 1, 2023 → Oct 31, 2026). Counts here may differ from the grade's in-window counts.