GHUMAN CARGO INC
DBA: GHUMAN CARGO
(661) 431-3309
ghumancargo@gmail.com
5419 Black Pearl Court, Bakersfield CA 93313
44
tractors · all owned
79 drivers
2.3M mi/yr · ~52k per unit
Satisfactory
FRED Score 50.0 / 100
High confidence
11 yrs history · 127 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 44
- Drivers · CDL
- 79 · 79
- Annual miles
- 2.3M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 44 | 0 | 0 | 44 |
| Trailers | 59 | 0 | 0 | 59 |
Registration
- Registered
- 12-14-2015 (11 yrs)
- MCS-150 Update
- 03-19-2026
- FRED Score Date
- Nov 07, 2026
- Officer
- GURWINDER GHUMAN
Cargo
60.3
medium risk
Meat
Refrigerated Food
General Freight
Fresh Produce
Beverages
Paper Products
- 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 60% chance), but the record is too thin to say by how much.
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.
This motor carrier 1.21×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Marginal. Its estimate (1.21× similar fleets) is in the Marginal range, but the record isn't strong enough to be 60% sure it is above the Marginal line (1.06×), so the grade stays Satisfactory.
Expected crashes, next 12 months
2.8 vs 2.3 for similar fleets
Likely 0–6 crashes
This motor carrier
2.8
Similar fleets
2.3
Chance of a fatal crash, next 12 months
~7%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
Too little record to tell. 7 crashes on the FMCSA record in 24 months (about 3.5 a year), including 1 with injuries; similar fleets have about 2.3 a year. The grade counts 10 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 2.06× the rate expected for its inspections, but out-of-service orders 0.74×. Together they move its crash estimate +5%: 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 crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service5 out-of-service violations against drivers: 5 hours of service (Sep 2024 – Jul 2026).Ask: driver supervision and dispatch practices.
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Brakes and tiresBrakes are 21 of 117 violations (18%). Brake or tire defects led to 11 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs9 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 1 for phone use.Ask: telematics, speed governance and phone policy.
Strengths
- Driver out-of-service rate 3.1% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 15
-
High speeding: 6
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
7
0 fatalities · 1 injury · 0 tow-aways
Inspections
127
48% clean (no violations)
Vehicle out-of-service
17.9%
12 of 67
National avg 22.3%
Driver out-of-service
3.1%
4 of 127
National avg 6.7%
Violations
117
19 out-of-service
Inspected about as often as interstate fleets of 20–49 trucks in California (about 114 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 10,544 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.080 | 0.029 |
| Inspections | 1.73 | 1.11 |
| Violations | 1.33 | 0.77 |
| Critical violations | 0.28 | 0.15 |
Yearly rates from the last 24 months. Peers: interstate fleets, 20–49 power units, medium-risk cargo.
What they get cited for
117 violations · 24 months-
Vehicle maintenance No alert53 · 14 OOSBrakes 21 · Tires 6 · Wheels & hubs 5 · Cargo securement 4 · Lights 1 · 16 more
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Unsafe driving No alert32 · 0 OOSReckless / lane 14 · Speeding 9 · Phone use 1 · Seat belt 1 · Other 7
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Hours of service No alert31 · 5 OOSLogbook / ELD paperwork 18 · False log 9 · Over hours limit 3 · No log 1
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Driver fitness No alert1 · 0 OOSEnglish proficiency 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-
Jul132026North CarolinaProperty damage onlyWet road, daylight, rain, two-way trafficway divided unprotected median.
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Jul102025TexasInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Jun252025New MexicoProperty damage onlyDark - lighted, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Mar252025TexasProperty damage onlyDaylight.
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Mar192025ArizonaProperty damage onlyDusk, two-way trafficway divided unprotected median.
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Jan222025GeorgiaProperty damage onlyIce road, daylight, two-way trafficway divided positive barrier. Citation issued.
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Nov122024OklahomaProperty damage onlyDark - not lighted, two-way trafficway not divided.
1 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 · UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)on record since Mar 26, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jan 2016
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to May 14, 2026
- 3 liability insurers on FMCSA's record, 2 changes: MS TRANSVERSE SPECIALTY INSURANCE COMPANY → UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (Mar 2025); OBSIDIAN SPECIALTY INSURANCE COMPANY → MS TRANSVERSE SPECIALTY INSURANCE COMPANY (Sep 2024)
- 4 cancellation notices filed by insurers; 4 took effect (the last Mar 26, 2026, replaced the same day)
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notices resolved in time: 4
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Mar 24, 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
14 filings and 8 authority events since 2016 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
14 filings and 8 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.
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Mar 26, 2026UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · on fileL&I to May 14, 2026
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Feb 27, 2026FMCSA revocation notice for the operating authority, dropped Mar 24, 2026opened after UNIVERSAL CASUALTY RISK RETENTION GROUP, INC filed a cancellation notice (effective Mar 26, 2026)L&I to May 14, 2026
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Mar 26, 2025UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · ended Mar 26, 2026 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 28, 2025FMCSA revocation notice for the operating authority, dropped Mar 27, 2025opened after MS TRANSVERSE SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Mar 27, 2025)L&I to May 14, 2026
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Sep 29, 2024MS TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Mar 27, 2025 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Sep 3, 2024FMCSA revocation notice for the operating authority, dropped Oct 1, 2024opened after OBSIDIAN SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Sep 29, 2024)L&I to May 14, 2026
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Sep 29, 2023OBSIDIAN SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · ended Sep 29, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 5, 2023FMCSA revocation notice for the operating authority, dropped Sep 29, 2023opened after OBSIDIAN SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Sep 29, 2023)L&I to May 14, 2026
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Sep 29, 2022OBSIDIAN SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Sep 29, 2023 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 12, 2022UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Sep 29, 2022 · replaced by another insurer9 months in forceL&I to May 14, 2026
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Jan 12, 2021UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 12, 2022 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Mar 20, 2020UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 12, 2021 · replaced by the same insurer (renewal)10 months in forceL&I to May 14, 2026
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Jan 12, 2020UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Mar 20, 2020 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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May 25, 2019UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 12, 2020 · replaced by the same insurer (renewal)8 months in forceL&I to May 14, 2026
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Apr 29, 2019FMCSA revocation notice for the operating authority, dropped May 14, 2019opened after UNITED SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 25, 2019)L&I to May 14, 2026
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Jan 12, 2019UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 25, 2019 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Jan 12, 2018UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 12, 2019 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Dec 18, 2017FMCSA revocation notice for the operating authority, dropped Jan 12, 2018opened after REDWOOD FIRE AND CASUALTY INSURANCE CO. filed a cancellation notice (effective Jan 12, 2018)L&I to May 14, 2026
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Jan 12, 2017REDWOOD FIRE AND CASUALTY INSURANCE CO.Liability · $750,000 · ended Jan 12, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Dec 16, 2016FMCSA revocation notice for the operating authority, dropped Dec 30, 2016opened after REDWOOD FIRE AND CASUALTY INSURANCE CO. filed a cancellation notice (effective Jan 12, 2017)L&I to May 14, 2026
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Jan 19, 2016Operating authority grantedL&I to May 14, 2026
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Jan 12, 2016REDWOOD FIRE AND CASUALTY INSURANCE CO.Liability · $750,000 · ended Jan 12, 2017 · cancellation notice took effect12 months 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
- California (HQ) 39
- New Mexico 24
- Arizona 12
- Louisiana 10
- Texas 9
- Arkansas 8
- Mississippi 8
- Alabama 6
31% 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 (46 power units: 44 filed, 46 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
2.3
Actual, per year in window
3.3
Projected, next 12 mo
2.8
0
2
4
We'd expect a typical fleet of 46 power units this active to have about 2.3 crashes a year (sized from the 46 units seen roadside; 44 filed). This motor carrier recorded 10 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 3.3 a year) — about 1.4× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 2.8 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 7% 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:
124 inspections
and 10 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 Sep 1, 2023, inspections before Oct 1, 2024
- Out-of-service inspection Sep 29, 2024 · CA · level 2 · 1 vehicle OOS, 1 driver OOS · 3 violations
- 1 further inspection with no out-of-service result
Confidence: High · Z = 0.61
Satisfactory — 1.21x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.050 crashes per power-unit-year for a 46-unit for-hire fleet (pu20_49). Violations 1.05x (driver behaviour 2.06x, out-of-service 0.74x, all violations 0.90x; 124 inspections). Experience 1.15x: 4.7 decayed crashes against 3.7 expected over 36 months (credibility 0.61, a 2.36). 80% range 0.66–1.84x. Fleet sized at 46 units from roadside VINs (44 filed). 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
5.0 crashes per 100 power-unit-years
46 power units (44 filed, 46 seen roadside) · 2.31 expected crashes a year
Violation relativity
1.05×
124 inspections in window
Crash experience
1.15×
4.7 decayed crashes vs 3.7 expected · credibility 0.61
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 1.21× (80% range 0.66–1.84×)
· band Marginal → displayed Satisfactory
· 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
4
Vehicle Insp
67
Vehicle OOS
12
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 29 | 5.52 | |
| HOS Compliance | 23 | 0.91 | |
| Driver Fitness | 1 | 0.02 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 29 | 3.50 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-DEC-24 – 31-JUL-26) 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.