ABNER GARZA
DBA: GARZA'S TRUCKING
FMCSA Live Status
Fleet & equipment
- Power units
- 3
- Drivers · CDL
- 4 · 3
- Annual miles
- 241k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 2 | 1 | 0 | 3 |
| Trailers | 2 | 1 | 0 | 3 |
Registration
- Cargo Operation
- Interstate
- Scope
- Interstate (Within 100 miles)
- Registered
- 09-23-2015 (11 yrs)
- MCS-150 Update
- 10-09-2025
- FRED Score Date
- Nov 07, 2026
- Officer
- ABNER GARZA
- Officer
- VIDAL GARZA
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.
Fleets under 10 power units are graded against their size cohort (pu6_9) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.
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: for-hire fleets of 6–9 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 1.5× as often as the median active fleet of 6–9 trucks.
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 crashes2 crashes with 2 people hurt in 24 months.Ask: claim status and driver history for these crashes.
-
Vehicle out-of-service rate50.0% of vehicle inspections end out of service vs 22.3% nationally (5 of 10). Across all its inspections, out-of-service orders run 1.28× 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: 1
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.333 | 0.039 |
| Inspections | 5.33 | 1.41 |
| Violations | 5.17 | 1.44 |
| Critical violations | 0.83 | 0.26 |
Yearly rates from the last 24 months. Peers: Small (advisory) power units, medium-risk cargo.
What they get cited for
31 violations · 24 months-
Vehicle maintenance No alert21 · 6 OOSBrakes 3 · Lights 3 · Tires 3 · Wheels & hubs 2 · Steering & suspension 1 · 9 more
-
Hours of service No alert8 · 0 OOSLogbook / ELD paperwork 7 · Over hours limit 1
-
Unsafe driving No alert2 · 0 OOSReckless / lane 1 · Seat belt 1
-
Driver fitness No alert0
-
Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Oct302025TexasInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
-
Jul302025OklahomaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
2 of the 2 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through May 14, 2026 · no change recorded by FMCSA since- Last on FMCSA's record (May 14, 2026)
-
$750,000 · UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)on record since May 4, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jan 2017
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 3 liability insurers on FMCSA's record, 2 changes: ACCREDITED SPECIALTY INSURANCE COMPANY → UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (Jan 2026); TRISURA SPECIALTY INSURANCE COMPANY → ACCREDITED SPECIALTY INSURANCE COMPANY (Jan 2025)
- 3 cancellation notices filed by insurers; 3 took effect (the last Jan 23, 2026, replaced the same day)
- No gap in filed liability coverage while liability was required
- FMCSA notices resolved in time: 3
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Jan 26, 2026)
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
13 filings and 13 authority events since 2016 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
May 4, 2026UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · on fileL&I to May 14, 2026
-
Jan 23, 2026UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · ended May 4, 2026 · superseded by the same policya cancellation notice effective Jun 5, 2026 came after the replacement; 3 months in forceL&I to May 14, 2026
-
Dec 29, 2025FMCSA revocation notice for the operating authority, dropped Jan 26, 2026opened after ACCREDITED SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2026)L&I to May 14, 2026
-
Jan 23, 2025ACCREDITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 23, 2026 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2024FMCSA revocation notice for the operating authority, dropped Jan 23, 2025opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2025)L&I to May 14, 2026
-
Jan 23, 2024TRISURA SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 23, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2023FMCSA revocation notice for the operating authority, dropped Jan 23, 2024opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2024)L&I to May 14, 2026
-
Jan 23, 2023TRISURA SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 23, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2022FMCSA revocation notice for the operating authority, dropped Jan 23, 2023opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2023)L&I to May 14, 2026
-
Jan 23, 2022TRISURA SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 23, 2023 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2021FMCSA revocation notice for the operating authority, dropped Jan 25, 2022opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2022)L&I to May 14, 2026
-
Jan 23, 2021TRISURA SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 23, 2022 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 28, 2020FMCSA revocation notice for the operating authority, dropped Jan 25, 2021opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2021)L&I to May 14, 2026
-
Jan 23, 2020TRISURA SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Jan 23, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2019FMCSA revocation notice for the operating authority, dropped Jan 23, 2020opened after KNIGHT SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2020)L&I to May 14, 2026
-
Jan 23, 2019KNIGHT SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 23, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Dec 27, 2018FMCSA revocation notice for the operating authority, dropped Jan 23, 2019opened after QUALITAS INSURANCE COMPANY filed a cancellation notice (effective Jan 23, 2019)L&I to May 14, 2026
-
Nov 14, 2018QUALITAS INSURANCE COMPANYLiability · $750,000 · ended Jan 23, 2019 · cancellation notice took effect2 months in forceL&I to May 14, 2026
-
Oct 18, 2018FMCSA revocation notice for the operating authority, dropped Nov 15, 2018opened after QUALITAS INSURANCE COMPANY filed a cancellation notice (effective Nov 14, 2018)L&I to May 14, 2026
-
Jan 23, 2018QUALITAS INSURANCE COMPANYLiability · $750,000 · ended Nov 14, 2018 · cancellation notice took effect10 months in forceL&I to May 14, 2026
-
Dec 26, 2017FMCSA revocation notice for the operating authority, dropped Jan 23, 2018opened after NATIONAL TRANSPORTATION INSURANCE CO RRG, LLC filed a cancellation notice (effective Jan 21, 2018)L&I to May 14, 2026
-
Jan 21, 2017NATIONAL TRANSPORTATION INSURANCE CO RRG, LLC (risk retention group)Liability · $750,000 · ended Jan 21, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Jan 3, 2017FMCSA revocation notice for the operating authority, dropped Jan 24, 2017cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Jul 18, 2016FMCSA revocation notice for the operating authority, dropped Aug 9, 2016cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Feb 4, 2016Operating 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
- Texas (HQ) 8
- Georgia 3
- Alabama 2
- Arkansas 2
- Louisiana 2
- Iowa 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 (8 power units: 3 filed, 8 seen roadside in 24 months).
We'd expect a typical fleet of 8 power units this active to have about 0.4 crashes a year (sized from the 8 units seen roadside; 3 filed). This motor carrier recorded 2 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.7 a year) — about 1.6× 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 1.4× 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 | 2 | 4.63 | |
| HOS Compliance | 4 | 0.85 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 7 | 6.81 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-OCT-24 – 31-JUL-25) 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.