ROACH AND SMITH DISTRIBUTORS INC
DBA: SUMMIT BEVERAGE
FMCSA Live Status
Fleet & equipment
- Power units
- 78
- Drivers · CDL
- 56 · 46
- Annual miles
- 1.1M unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 48 | 0 | 0 | 48 |
| Tractors | 30 | 0 | 0 | 30 |
| Trailers | 31 | 0 | 0 | 31 |
Registration
- Organization
- CORPORATION
- Registered
- 12-15-1986 (40 yrs)
- MCS-150 Update
- 02-24-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- FRANCISCO QUINONES
- Officer
- ZACK BRANDER
Cargo
- 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.
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).
Runs within Montana only. Intrastate fleets in Montana are inspected about 1 a year for every 8 trucks; interstate fleets, about 1 a year for every 2 trucks. So this record rests mainly on crash reports, which states file for intrastate trucks too, and few inspections are ordinary here.
Expected crash rate is about one-third that of similar fleets.
Similar fleets: intrastate fleets of about 78 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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Driver qualification2 out-of-service violations against drivers: 1 no valid CDL, 1 medical certificate (Feb 2025 – Nov 2025).Ask: driver qualification files and hiring standards.
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Brakes and cargo securementBrakes are 7 of 15 violations (47%). Brake or cargo securement defects led to 2 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
- No reportable crashes in 24 months.
- Vehicle out-of-service rate 15.8% vs 30.6% for intrastate motor carriers; driver 5.7% vs 8.5%.
- 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 intrastate fleets of 50–99 trucks in Montana (about 48 in 24 months would be typical; 50% of them had none).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.010 |
| Inspections | 0.27 | 0.23 |
| Violations | 0.10 | 0.14 |
| Critical violations | 0.01 | 0.02 |
Yearly rates from the last 24 months. Peers: intrastate fleets, 50–99 power units, medium-risk cargo.
What they get cited for
15 violations · 24 months-
Vehicle maintenance No alert13 · 3 OOSBrakes 7 · Cargo securement 1 · Lights 1 · Tires 1 · Other parts 3
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Driver fitness No alert2 · 2 OOSMedical certificate 1 · No valid CDL 1
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Unsafe driving No alert0
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Hours of service 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 2, 2026- Liability (BIPD)
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$1,000,000 · NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA.on record since Jun 30, 2026 · no gap on FMCSA's record since Jan 20051 other liability filing also on file
- 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: THE CINCINNATI INSURANCE CO. → National Union Fire Insurance Company of Pittsburgh, Pa. (Jun 2025)
- No gap in filed liability coverage while liability was required
- FMCSA notice served Aug 4, 2026 (suspension effective Sep 3, 2026); the authority stayed active. FMCSA's new registration system launched May 14, 2026 and has recorded some insurance suspensions and requirement changes in error; confirm with the insurer or motor carrier before acting.
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's new registration system, status since Sep 25, 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
4 filings and 2 authority events since 2005 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Aug 4, 2026FMCSA suspension notice for the operating authority, effective Sep 3, 2026the authority stayed activeFMCSA's new system
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Jun 30, 2026NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA.Liability · $1,000,000 · on fileFMCSA's new system
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Jun 30, 2025National Union Fire Insurance Company of Pittsburgh, Pa.Liability · $1,000,000 · on fileFMCSA's new system
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Feb 18, 2005Operating authority grantedL&I to May 14, 2026
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Jan 1, 2005The Cincinnati Insurance CompanyCargo · ended Sep 3, 2026 · cancellation notice took effect260 months in forceFMCSA's new system
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Jan 1, 2005THE CINCINNATI INSURANCE CO.Liability · $1,000,000 · ended Jun 30, 2025 · replaced by another insurer246 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
- Montana (HQ) 35
Mostly inspected in its home state (100%).
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 (large).
We'd expect a typical fleet of this size this active to have about 1.5 crashes a year. This motor carrier recorded 0 in its scoring window (Aug 1, 2025 → Jul 31, 2026) — fewer than a typical fleet. Factoring in its inspection and violation record inside that window, the model projects about 0.6 over the next 12 — below a typical fleet.
- Out-of-service inspection Feb 13, 2025 · MT · level 3 · 1 driver OOS · 1 violation
- Out-of-service inspection Nov 14, 2024 · MT · level 1 · 1 vehicle OOS · 2 violations
- 10 further inspections with no out-of-service result
- 2 inspections with no out-of-service result — not yet scored
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA BASIC Scores
C Property| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 2 | 0.27 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 10 | 3.10 |
SMS record data is sourced from FMCSA's Safety Measurement System (02-APR-26 – 31-OCT-25) and may cover a different time window than the scoring window used for the FRED grade (Aug 1, 2025 → Jul 31, 2026). Counts here may differ from the grade's in-window counts.