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Motor Carrier Safety Report

DOT #286151 · OFFICER & ASSOCIATES

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OFFICER & ASSOCIATES

DBA: C & M TRUCKING

DOT# 286151 MC# 198137 Rock Island, TN Authorized For-Hire

(931) 815-2775 5493 Sparta Hwy, Rock Island TN 38581

45 power units 22 drivers 290k mi/yr · ~6k per unit

Intrastate Only

Not enough record

Graded once the record supports it

39 yrs history · 0 roadside inspections

Checking FMCSA…

Fleet & equipment

Power units: 45
Drivers · CDL: 22 · 22
Annual miles: 290k

Type	Own	Term	Total
Trucks	20	25	45
Tractors	0	0	0
Trailers	0	0	0

Registration

Organization: CORPORATION
Registered: 01-21-1987 (39 yrs)
MCS-150 Update: 07-22-2015 (Address Change)
FRED Score Date: Nov 07, 2026
Officer: MARY HILLIS

Cargo

34.0

low risk

Other: NATURAL RECORSES

Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.

Exposure Unverified

The expected crashes on this page assume the filed fleet of 45 power units is real, but the roadside record corroborates little of it — 0 units seen in 24 months, 0.00 inspections per filed unit-year. Verify the fleet size before relying on the crash expectation.

Intrastate Only

Intrastate-only carrier — not required to file MCS-150. May be inspected less frequently than interstate carriers. Safety rates may have lower statistical confidence.

Not enough record to grade yet.

No inspections and no crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.

Similar fleets: private 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.

80% likely range 0.00×–2.02×

ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical

▲ Similar fleets 1.0×

Expected crashes, next 12 months

0.1 vs 0.1 for similar fleets

Most likely none

This motor carrier

0.1

Similar fleets

0.1

A record this thin can't pin that down: about a 1-in-7 chance it runs at Poor-level crash rates.

Ask

Loss runs for the last 3 years, and confirm the fleet is operating at its filed size (45 power units).

What the record shows

Crash history

betterworse

Too little record to tell. 0 crashes on the FMCSA record in 24 months; similar fleets have about 0.1 a year.

Roadside inspections

betterworse

No roadside record. No inspections in the scoring window, so roadside results leave its estimate at typical.

Worth a closer look

From the FMCSA record. The estimate already counts the safety items; insurance filings and links to other motor carriers are context only.

Filed fleet not seen on the road

Only 0 of the 45 filed power units were seen at a roadside inspection in 24 months (0 inspections in all). The crash expectation assumes all 45 are running.

Ask: how many trucks are actually operating, with the vehicle schedule.

Data flags

Limited inspection history
Fewer than 5 roadside inspections on record, so there isn't enough data to score this motor carrier with high confidence — the score leans more on peers.

Track record

FMCSA record, last 24 months · grade scored on Sep 1, 2023 → Sep 30, 2026

Crashes

0 fatalities · 0 injuries · 0 tow-aways

Inspections

roadside inspections

Vehicle out-of-service

—

no inspections

National avg 22.3%

Driver out-of-service

—

no inspections

National avg 6.7%

Violations

0 out-of-service

vs 721 peer fleets

Inspections per power unit look like an outlier vs peers; read these rates with care.

	This motor carrier	Peers
Crashes	0.000	0.019
Inspections	0.00	0.53
Violations	0.00	0.27
Critical violations	0.00	0.05

	This motor carrier	Peers
Crashes	0.000	0.079
Inspections	0.00	2.22
Violations	0.00	1.21
Critical violations	0.00	0.24

Yearly rates from the last 24 months. Peers: 20–49 power units, low-risk cargo.

What they get cited for

0 violations · 24 months

No violations on the FMCSA record in the last 24 months.

Violations by quarter

Tap a category to show or hide it

No violation trend data

Crashes

24 months

No reportable crashes on the FMCSA record in the last 24 months.

Insurance filed with FMCSA

FMCSA record through May 14, 2026 · no change recorded by FMCSA since

Today · live FMCSA check

Checking FMCSA…

Last on FMCSA's record (May 14, 2026): $1,000,000 · UNION INSURANCE CO.
on record since Apr 16, 2022 · FMCSA minimum $750,000
Cargo filing: on file · THE INSURANCE COMPANY OF NORTH AMERICA since Sep 19, 1995

36 months to May 14, 2026

One liability insurer throughout
No gap in filed liability coverage while liability was required

Operating authority inactive (FMCSA's L&I record of May 14, 2026, status since May 18, 2015)

Who insures fleets like this →

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

12 filings and 6 authority events since 1987 · FMCSA record through May 14, 2026

Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.

Apr 16, 2022

UNION INSURANCE CO.

Liability · $1,000,000 · on file

L&I to May 14, 2026
Jul 21, 2017

PROGRESSIVE HAWAII INSURANCE CORP

Liability · $750,000 · ended Sep 5, 2018 · cancellation notice took effect

14 months in force

L&I to May 14, 2026
Oct 31, 2016

PROGRESSIVE COUNTY MUTUAL

Liability · $1,000,000 · ended Jul 21, 2017 · replaced by the same insurer (renewal)

9 months in force

L&I to May 14, 2026
Sep 1, 2016

PROGRESSIVE HAWAII INSURANCE CORP

Liability · $750,000 · ended Oct 31, 2016 · replaced by the same insurer (renewal)

a cancellation notice effective Nov 4, 2016 came after the replacement; 2 months in force

L&I to May 14, 2026
May 18, 2015

Operating authority revoked (cause not stated)

L&I to May 14, 2026
Feb 10, 2015

CANAL INSURANCE CO.

Liability · $750,000 · ended May 8, 2015 · cancellation notice took effect

3 months in force

L&I to May 14, 2026
Jan 14, 2015

FMCSA revocation notice for the operating authority, dropped Feb 10, 2015

opened after CANAL INSURANCE CO. filed a cancellation notice (effective Feb 10, 2015)

L&I to May 14, 2026
Oct 1, 2014

CANAL INSURANCE CO.

Liability · $750,000 · ended Feb 10, 2015 · cancellation notice took effect

4 months in force

L&I to May 14, 2026
Oct 1, 2013

CANAL INSURANCE CO.

Liability · $750,000 · ended Oct 1, 2014 · replaced by the same insurer (renewal)

12 months in force

L&I to May 14, 2026
Aug 20, 2013

Operating authority reinstated

L&I to May 14, 2026
Apr 27, 2013

CANAL INSURANCE CO.

Liability · $750,000 · ended Oct 1, 2013 · replaced by the same insurer (renewal)

5 months in force

L&I to May 14, 2026
Oct 1, 2012

CANAL INSURANCE CO.

Liability · $750,000 · ended Apr 27, 2013 · cancellation notice took effect

7 months in force

L&I to May 14, 2026
Jan 2, 1997

Operating authority revoked (cause not stated)

L&I to May 14, 2026
Apr 22, 1996

FMCSA revocation notice for the operating authority, dropped May 20, 1996

opened after NEW HAMPSHIRE INSURANCE CO. filed a cancellation notice (effective Apr 21, 1996)

L&I to May 14, 2026
Sep 19, 1995

THE INSURANCE COMPANY OF NORTH AMERICA

Cargo · on file · on file

L&I to May 14, 2026
Sep 19, 1995

ZURICH INSURANCE CO.

Liability · $1,000,000 · ended Sep 19, 1996 · cancellation notice took effect

12 months in force

L&I to May 14, 2026
Sep 19, 1988

NEW HAMPSHIRE INSURANCE CO.

Liability · ended Apr 21, 1996 · cancellation notice took effect

91 months in force

L&I to May 14, 2026
Oct 23, 1987

Operating authority granted

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

Loading map data…

How the estimate 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 (45 power units: 45 filed, 0 seen roadside in 24 months).

Crash Outlook vs Peer Fleet

crashes per year · same scale

Average peer fleet

0.1

Actual, per year in window

0.0

Projected, next 12 mo

0.1

0 0.25 0.5

We'd expect a typical fleet of 45 power units this active to have about 0.1 crashes a year — but only 0 of the 45 filed units were seen roadside in 24 months (0.00 inspections per filed unit-year), so this expectation assumes the filed fleet is real. This motor carrier recorded 0 in its scoring window (Sep 1, 2023 → Aug 31, 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 0.1 over the next 12 — below a typical fleet.

Fatal-crash risk: less than a 1% chance in the next 12 months

Modeled fatal-crash rate is below that of similar fleets (likelihood of at least one fatal crash, from its exposure and safety profile; the filed fleet is not corroborated roadside).

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: 0 inspections and 0 crashes.

Why there is no grade. Every grade but Satisfactory needs at least a 60% posterior past its cut; Satisfactory is what is left when none passes. Here the 80% likely range (0.00×–2.02×) still runs from below the Excellent cut (0.60×) to above the Poor cut (1.57×), so the record can't separate a best-in-class fleet from a poor one and the page shows no grade and no FRED Score. The forecasts are unchanged: in backtests, records this thin crash at their forecast on average but scatter about 2.6× as widely around it as records that support a Satisfactory grade.

Confidence: Prior-only · Z = 0.00 (posterior 0.31 × exposure corroboration) Provisional

Satisfactory — 0.69x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.002 crashes per power-unit-year for a 45-unit for-hire fleet (pu20_49). Violations 1.00x (driver behaviour 1.00x, out-of-service 1.00x, all violations 1.00x; 0 inspections). Experience 0.69x: 0.0 decayed crashes against 0.1 expected over 36 months (credibility 0.31, a 0.31). 80% range 0.00–2.02x. Exposure: 0 of 45 filed power units seen roadside in 24 months, 0.00 inspections per filed unit-year — the class expectation assumes the filed fleet is real; confidence cut. Upside withheld: under 0.1 inspections per filed power unit. Last change: no change since the last run.

No change since the previous weekly run.

Scoring flags MCS-150 filing more than 3 years old Intrastate-only operation (less roadside enforcement) Thin record (low credibility: little exposure behind the grade) Filed fleet not corroborated roadside — expected crashes assume the filed units are real; an Excellent or Strong grade is capped one band (interim) (informational — no grade effect)

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

0.2 crashes per 100 power-unit-years

45 power units (0 seen roadside — exposure unverified) · 0.09 expected crashes a year

Violation relativity

1.00×

0 inspections in window

Crash experience

0.69×

0.0 decayed crashes vs 0.1 expected · credibility 0.31

Driver behaviour

1.00×

Out-of-service rate

1.00×

All violations

1.00×

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 0.69× (80% range 0.00–2.02×) · band Strong → displayed Satisfactory · cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11, Critical above

Upside withheld: under 0.1 inspections per filed power unit

Full methodology · Scoring white paper · Validation study

FMCSA records

BASIC measures and every inspection, violation and crash, sortable and filterable.

FMCSA BASIC Scores

C Property

Total Inspections

Driver Insp

Driver OOS

Vehicle Insp

Vehicle OOS

BASIC	Insp w/ Viol	Measure	Alert
Unsafe Driving	0	0.00
HOS Compliance	0	0.00
Driver Fitness	0	0.00
Controlled Substances	0	0.00
Vehicle Maintenance	0	0.00

OFFICER & ASSOCIATES

FMCSA Live Status

Fleet & equipment

Registration

Cargo

Worth a closer look

Track record

What they get cited for

Violations by quarter

Crashes

Insurance filed with FMCSA

Where it happens

Forward 12-Month Risk Outlook

FMCSA BASIC Scores