CHAR-LO INC
FMCSA Live Status
Fleet & equipment
- Power units
- 12
- Drivers · CDL
- 12 · 2
- Annual miles
- 248k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 12 | 0 | 12 |
| Trailers | 0 | 12 | 0 | 12 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (11-27-1987) · 38 yr old
- Registered
- 06-05-1986 (40 yrs)
- MCS-150 Update
- 06-03-2026 (Address Change)
- FRED Score Date
- Nov 08, 2026
- Officer
- KANDIS BRACKINS
- Officer
- DEANNA CHUNN
Cargo
- High-Risk Cargo
- Machinery Large, Oilfield Equipment, 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.
MCS-150 annual mileage appears too low for fleet size given observed activity. The per-100k-mile rate benchmarks on this page are excluded; the FRED grade does not use mileage (crash exposure is power-unit-years, violation exposure is inspection counts).
Expected crash rate is probably lower than similar fleets (about an 80% chance), but the record is too thin to say by how much.
Similar fleets: interstate 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.
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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Drivers put out of service2 out-of-service violations against drivers: 1 hours of service, 1 no valid CDL (Nov 2025 – Jan 2026).Ask: driver supervision and dispatch practices.
- No reportable crashes in 24 months.
- Vehicle out-of-service rate 6.7% vs 22.3% national.
- No FMCSA BASIC alerts.
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Unreliable reported mileageThe motor carrier's self-reported annual mileage (MCS-150) looks implausible, so exposure- and mileage-based figures may be distorted.
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Estimated mileageNo usable mileage was reported, so exposure was estimated from similar motor carriers. Mileage-based metrics here are approximate.
Track record
Inspected about as often as interstate fleets of 10–19 trucks in Alabama (about 15 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.034 |
| Inspections | 0.83 | 1.23 |
| Violations | 0.25 | 0.97 |
| Critical violations | 0.04 | 0.18 |
Yearly rates from the last 24 months. Peers: interstate fleets, 10–19 power units, medium-risk cargo.
What they get cited for
6 violations · 24 months-
Vehicle maintenance No alert4 · 1 OOSCargo securement 1 · Lights 1 · Tires 1 · Other parts 1
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Hours of service No alert1 · 1 OOSNo log 1
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Driver fitness No alert1 · 1 OOSNo valid CDL 1
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Unsafe driving No alert0
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 monthsNo reportable crashes on the FMCSA record in the last 24 months.
Insurance filed with FMCSA
FMCSA record through Nov 7, 2026- Liability (BIPD)
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$750,000 · United States Fire Insurance Companyon record since Jun 1, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Mar 1999
- 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: NORTH RIVER INSURANCE CO. → United States Fire Insurance Company (Jun 2025)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Jun 11, 1999)
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
24 filings and 9 authority events since 1980 · 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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Jun 1, 2025United States Fire Insurance CompanyLiability · $750,000 · on fileMC 146125 · FMCSA's new system
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Jun 1, 2021NORTH RIVER INSURANCE CO.Liability · $750,000 · ended Jun 1, 2025 · replaced by another insurer48 months in forceMC 146125 · L&I to May 14, 2026
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Jun 1, 2019UNITED STATES FIRE INSURANCE CO.Liability · $750,000 · ended Jun 1, 2021 · replaced by another insurer24 months in forceMC 146125 · L&I to May 14, 2026
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May 6, 2019FMCSA revocation notice for the operating authority, dropped May 23, 2019opened after AUTO OWNERS INSURANCE COMPANY filed a cancellation notice (effective Jun 1, 2019)MC 146125 · L&I to May 14, 2026
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Jan 25, 2016AUTO OWNERS INSURANCE COMPANYLiability · $750,000 · ended Jun 1, 2019 · cancellation notice took effect40 months in forceMC 146125 · L&I to May 14, 2026
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Aug 30, 2011AUTO OWNERS INSURANCE COMPANYLiability · $750,000 · ended Jan 25, 2016 · superseded by the same policy53 months in forceMC 146125 · L&I to May 14, 2026
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Jun 1, 2008AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Jul 9, 2008 · cancellation notice took effect1 month in forceMC 149524 · L&I to May 14, 2026
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Jun 1, 2008AUTO OWNERS INSURANCE COMPANYLiability · $1,000,000 · ended Aug 30, 2011 · replaced by the same insurer (renewal)39 months in forceMC 146125 · L&I to May 14, 2026
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May 12, 2008FMCSA revocation notice for the operating authority, dropped Jun 10, 2008opened after SENTRY SELECT INSURANCE COMPANY filed a cancellation notice (effective Jun 7, 2008)MC 146125 · L&I to May 14, 2026
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May 1, 2003SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Jun 7, 2008 · cancellation notice took effect61 months in forceMC 146125 · L&I to May 14, 2026
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Jun 13, 2002SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended May 1, 2003 · cancellation notice took effect11 months in forceMC 146125 · L&I to May 14, 2026
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Dec 7, 2000SENTRY SELECT INSURANCE COMPANYCargo · ended Jun 13, 2002 · cancellation notice took effect18 months in forceMC 146125 · L&I to May 14, 2026
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Dec 7, 2000SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Jun 13, 2002 · cancellation notice took effect18 months in forceMC 146125 · L&I to May 14, 2026
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Jan 1, 2000SENTRY SELECT INSURANCE COMPANYCargo · ended Dec 7, 2000 · cancellation notice took effect11 months in forceMC 146125 · L&I to May 14, 2026
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Jan 1, 2000SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Dec 7, 2000 · cancellation notice took effect11 months in forceMC 146125 · L&I to May 14, 2026
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Jun 11, 1999Operating authority reinstatedMC 146125 · L&I to May 14, 2026
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Mar 17, 1999SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Jan 1, 2000 · replaced by the same insurer (renewal)a cancellation notice effective Mar 15, 2000 came after the replacement; 10 months in forceMC 146125 · L&I to May 14, 2026
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Dec 7, 1998SENTRY SELECT INSURANCE COMPANYCargo · ended Jan 1, 2000 · replaced by the same insurer (renewal)a cancellation notice effective Mar 15, 2000 came after the replacement; 13 months in forceMC 146125 · L&I to May 14, 2026
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May 13, 1998MAX SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Sep 25, 1998 · cancellation notice took effect4 months in forceMC 146125 · L&I to May 14, 2026
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Oct 14, 1997Operating authority revoked (cause not stated)MC 146125 · L&I to May 14, 2026
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Jun 13, 1997Operating authority revoked (cause not stated)MC 149524 · L&I to May 14, 2026
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May 13, 1997MAX SPECIALTY INSURANCE COMPANYLiability · ended May 13, 1998 · cancellation notice took effect12 months in forceMC 149524 · L&I to May 14, 2026
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May 13, 1996ESSEX INSURANCE COMPANYLiability · ended Jul 26, 1997 · cancellation notice took effect14 months in forceMC 146125 · L&I to May 14, 2026
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May 13, 1995MAX SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 13, 1996 · cancellation notice took effect12 months in forceMC 149524 · L&I to May 14, 2026
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May 9, 1995GREAT AMERICAN INSURANCE COMPANY OF NEW YORKCargo · ended Apr 23, 1999 · cancellation notice took effect47 months in forceMC 149524 · 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
- Mississippi 11
- Texas 2
- Alabama (HQ) 1
- Florida 1
- Iowa 1
- Louisiana 1
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 (12 power units: 12 filed, 4 seen roadside in 24 months).
We'd expect a typical fleet of 12 power units this active to have about 0.4 crashes a year. This motor carrier recorded 0 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 0.0 a year) — fewer than a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.3 over the next 12 — below a typical fleet.
- 1 inspection with no out-of-service result
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 | 0 | 0.00 | |
| HOS Compliance | 1 | 0.43 | |
| Driver Fitness | 1 | 0.18 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 3 | 1.10 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-SEP-26 – 29-OCT-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.