MK AND ZOE LLC
DBA: TRANSPORTATION
FMCSA Live Status
Fleet & equipment
- Power units
- 1
- Drivers · CDL
- 3 · 3
- Annual miles
- 2.3M unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 1 | 0 | 1 |
| Trailers | 0 | 1 | 0 | 1 |
Registration
- Registered
- 09-20-2017 (9 yrs)
- MCS-150 Update
- 05-14-2026
- FRED Score Date
- Nov 08, 2026
- Officer
- KAMOL NEMATOV
Cargo
- High-Risk Cargo
- 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.
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.
MCS-150 annual mileage appears implausibly high for fleet size. 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 a 70% chance), but the record is too thin to say by how much.
Similar fleets: interstate 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 1.9× 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.
-
Drivers put out of service4 out-of-service violations against drivers: 2 no valid CDL, 1 English proficiency, 1 hours of service (Jun 2026 – Jul 2026).Ask: driver supervision and dispatch practices.
-
Driver out-of-service rate27.3% of driver inspections end out of service vs 6.7% nationally (3 of 11). Across all its inspections, out-of-service orders run 1.87× what's expected for where and how it's inspected.
- No reportable crashes in 24 months.
- No FMCSA BASIC alerts.
-
Unreliable reported mileageThe motor carrier's self-reported annual mileage (MCS-150) looks implausible, so exposure- and mileage-based figures may be distorted.
-
Estimated mileageNo usable mileage was reported, so exposure was estimated from similar motor carriers. Mileage-based metrics here are approximate.
Track record
Inspected more often than interstate fleets of 1 truck in Ohio (about 2 in 24 months would be typical; 63% of them had none).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.055 |
| Inspections | 7.50 | 2.38 |
| Violations | 6.50 | 2.14 |
| Critical violations | 2.50 | 0.42 |
Yearly rates from the last 24 months. Peers: interstate fleets, Owner-Operator power units, medium-risk cargo.
What they get cited for
13 violations · 24 months-
Vehicle maintenance No alert5 · 1 OOSBrakes 2 · Cargo securement 1 · Lights 1 · Other parts 1
-
Hours of service No alert3 · 1 OOSLogbook / ELD paperwork 2 · False log 1
-
Driver fitness No alert3 · 3 OOSNo valid CDL 2 · English proficiency 1
-
Unsafe driving No alert2 · 0 OOSSeat belt 1 · Speeding 1
-
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)
-
$750,000 · CarrierGuard Transportation Risk Retention Group, Inc. (risk retention group)on record since Oct 14, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Oct 2017
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 6 liability insurers on FMCSA's record, 6 changes: PROGRESSIVE PREFERRED INSURANCE CO. → CarrierGuard Transportation Risk Retention Group, Inc. (Oct 2026); Accredited Specialty Insurance Company → PROGRESSIVE PREFERRED INSURANCE CO. (Sep 2026); BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY → Accredited Specialty Insurance Company (May 2026)
- 2 cancellation notices filed by insurers; 1 took effect (the last Apr 21, 2026, replaced 1 day later); 1 replaced before it took effect
- FMCSA's record shows a suspension of the operating authority on Sep 2, 2026 while a filing by Accredited Specialty Insurance Company was in force; FMCSA has corrected suspensions its new system issued in error. 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 served Sep 15, 2026 (suspension effective Oct 15, 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 notices resolved in time: 2
Operating authority active (FMCSA's new registration system, status since Sep 14, 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
9 filings and 5 authority events since 2017 · FMCSA record through Nov 7, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
Oct 14, 2026CarrierGuard Transportation Risk Retention Group, Inc. (risk retention group)Liability · $750,000 · on fileFMCSA's new system
-
Sep 15, 2026FMCSA suspension notice for the operating authority, effective Oct 15, 2026the authority stayed activeFMCSA's new system
-
Sep 14, 2026Operating authority reinstatedFMCSA's new system
-
Sep 2, 2026PROGRESSIVE PREFERRED INSURANCE CO.Liability · $750,000 · ended Oct 15, 2026 · replaced by another insurer1 month in forceFMCSA's new system
-
Sep 2, 2026Operating authority suspended: no insurance filing meeting the FMCSA minimum on filea liability filing was in force on FMCSA's record that dayFMCSA's new system
-
May 1, 2026Accredited Specialty Insurance CompanyLiability · $750,000 · ended Sep 1, 2026 · replaced by another insurer4 months in forceFMCSA's new system
-
Apr 22, 2026BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANYLiability · $750,000 · ended May 1, 2026 · replaced by another insurerL&I to May 14, 2026
-
Mar 25, 2026FMCSA revocation notice for the operating authority, dropped Apr 23, 2026opened after GEICO MARINE INSURANCE COMPANY filed a cancellation notice (effective Mar 18, 2026)L&I to May 14, 2026
-
Feb 12, 2026PROGRESSIVE PREFERRED INSURANCE CO.Liability · $750,000 · ended Apr 21, 2026 · cancellation notice took effect2 months in forceL&I to May 14, 2026
-
Feb 28, 2025GEICO MARINE INSURANCE COMPANYLiability · $750,000 · ended Feb 12, 2026 · replaced by another insurera cancellation notice effective Mar 18, 2026 came after the replacement; 11 months in forceL&I to May 14, 2026
-
Feb 28, 2021ERIE INSURANCE COMPANYLiability · $750,000 · ended Feb 28, 2025 · replaced by another insurer48 months in forceL&I to May 14, 2026
-
Feb 28, 2018PEKIN INSURANCE CO.Liability · $1,000,000 · ended Feb 28, 2021 · replaced by another insurer36 months in forceL&I to May 14, 2026
-
Oct 16, 2017Operating authority grantedL&I to May 14, 2026
-
Oct 10, 2017PROGRESSIVE PREFERRED INSURANCE CO.Liability · $750,000 · ended Feb 28, 2018 · replaced by another insurer5 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
- Arkansas 2
- California 2
- Arizona 1
- Idaho 1
- Indiana 1
- Kansas 1
- Louisiana 1
- New Mexico 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: 1 filed, 8 seen roadside in 24 months).
We'd expect a typical fleet of 8 power units this active to have about 0.5 crashes a year (sized from the 8 units seen roadside; 1 filed). 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 0.4 over the next 12 — below a typical fleet.
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 | 51.00 | |
| HOS Compliance | 3 | 1.58 | |
| Driver Fitness | 2 | 1.93 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 3 | 3.80 |
SMS record data is sourced from FMCSA's Safety Measurement System (04-AUG-26 – 30-JUL-26) 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.