VCK EXPRESS CORP
(863) 201-5430
compliance@vckexpresscorp.com
8 S Main Ave, Lake Placid FL 33852
70
tractors
70 drivers
Strong
FRED Score 90.0 / 100
High confidence
8 yrs history · 172 roadside inspections
Upside capped
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 70
- Drivers · CDL
- 70 · 67
- Annual miles
- 276k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 30 | 40 | 0 | 70 |
| Trailers | 30 | 40 | 0 | 70 |
Registration
- Registered
- 03-23-2018 (8 yrs)
- MCS-150 Update
- 05-13-2026
- FRED Score Date
- Nov 08, 2026
- Officer
- VICKY VICTORIA ROJAS 2ND
Cargo
64.0
medium risk
General Freight
- 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.
Upside Withheld
Its risk relativity (0.49× similar fleets) would put it in Excellent; this rule holds it at Strong:
- Excellent withheld: driver-behaviour relativity above 1.0×
The downside is never capped.
Mileage Unreliable
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).
Expected crash rate is about half that of similar fleets.
Similar fleets: interstate fleets of 100–199 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 0.49×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
3.0 vs 6.1 for similar fleets
Likely 0–6 crashes
This motor carrier
3.0
Similar fleets
6.1
Chance of a fatal crash, next 12 months
~8%
Below similar fleets.
What's driving the grade
Crash history
betterworse
Much better than peers. 2 crashes on the FMCSA record in 24 months (about 1 a year); similar fleets have about 6.1 a year. The grade counts 6 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Much worse than peers. Unsafe-driving and hours-of-service violations 6.25×, violations 2.34× and out-of-service orders 1.90× the rate expected for its inspections. Together they move its crash estimate +38%. 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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FMCSA suspension notice pendingFMCSA served a notice on Nov 2, 2026: the operating authority will be suspended on Dec 2, 2026 unless the missing filing is restored. The notice does not say which filing. Not in the grade.Ask: which filing lapsed and whether it has been refiled.
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Drivers put out of service45 out-of-service violations against drivers: 30 hours of service, 10 no valid CDL, 5 English proficiency (Feb 2025 – Sep 2026).Ask: driver supervision and dispatch practices.
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Brakes and lightsBrakes are 89 of 408 violations (22%). Brake or light defects led to 23 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Vehicle out-of-service rate37.2% of vehicle inspections end out of service vs 22.3% nationally (35 of 94). Across all its inspections, out-of-service orders run 1.90× what's expected for where and how it's inspected.
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Driver out-of-service rate20.3% of driver inspections end out of service vs 6.7% nationally (35 of 172). Across all its inspections, out-of-service orders run 1.90× what's expected for where and how it's inspected.
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Falsified logs22 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
Strengths
- 2 crashes in 24 months. No injuries, no fatalities.
- No FMCSA BASIC alerts.
Data flags
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Dangerous driving: 15
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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
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
2
0 fatalities · 0 injuries · 0 tow-aways
Inspections
172
32% clean (no violations)
Vehicle out-of-service
37.2%
35 of 94
National avg 22.3%
Driver out-of-service
20.3%
35 of 172
National avg 6.7%
Violations
408
88 out-of-service
Inspected more often than interstate fleets of 50–99 trucks in Florida (about 62 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
vs 4,136 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.036 | 0.026 |
| Inspections | 1.73 | 0.97 |
| Violations | 2.91 | 0.57 |
| Critical violations | 0.61 | 0.12 |
Yearly rates from the last 24 months. Peers: interstate fleets, 50–99 power units, medium-risk cargo.
What they get cited for
408 violations · 24 months-
Vehicle maintenance No alert243 · 43 OOSBrakes 89 · Lights 73 · Tires 16 · Cargo securement 12 · Wheels & hubs 8 · 45 more
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Hours of service No alert114 · 30 OOSLogbook / ELD paperwork 60 · False log 22 · Over hours limit 18 · No log 14
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Unsafe driving No alert36 · 0 OOSReckless / lane 14 · Seat belt 9 · Phone use 4 · Speeding 4 · Other 5
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Driver fitness No alert15 · 15 OOSNo valid CDL 10 · English proficiency 5
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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
2 crashes
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Jul22026FloridaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Sep92025MississippiProperty damage onlyDaylight.
Insurance filed with FMCSA
FMCSA record through Nov 7, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
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$1,000,000 · Highlander Specialty Insurance Companyon record since Nov 3, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since May 20181 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
36 months to Nov 7, 2026
- 2 liability insurers on FMCSA's record, 1 change: MS TRANSVERSE INSURANCE COMPANY → Highlander Specialty Insurance Company (May 2026)
- 6 cancellation notices filed by insurers; 3 took effect (the last May 9, 2026, replaced the same day); 3 replaced before they took effect
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notice served Nov 2, 2026: the operating authority will be suspended on Dec 2, 2026 unless the missing filing is restored (the notice does not say which filing). 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: 4
Operating authority active (FMCSA's new registration system, status since May 9, 2018)
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
17 filings and 10 authority events since 2018 · FMCSA record through Nov 7, 2026
Every insurance filing on the FMCSA record
17 filings and 10 authority events since 2018 · FMCSA record through Nov 7, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Nov 3, 2026Highlander Specialty Insurance CompanyLiability · $1,000,000 · on fileFMCSA's new system
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Nov 2, 2026FMCSA suspension notice for the operating authority, effective Dec 2, 2026pending on FMCSA's recordFMCSA's new system
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May 9, 2026Highlander Specialty Insurance CompanyLiability · $1,000,000 · on file · cancellation notice effective Dec 2, 20266 months in forceFMCSA's new system
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Apr 13, 2026FMCSA revocation notice for the operating authority, dropped May 1, 2026opened after MS TRANSVERSE INSURANCE COMPANY filed a cancellation notice (effective Apr 16, 2026)L&I to May 14, 2026
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Mar 17, 2026MS TRANSVERSE INSURANCE COMPANYLiability · $1,000,000 · ended May 9, 2026 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Feb 13, 2026MS TRANSVERSE INSURANCE COMPANYLiability · $1,000,000 · ended Mar 17, 2026 · superseded by the same policya cancellation notice effective Apr 16, 2026 came after the replacement; 1 month in forceL&I to May 14, 2026
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May 9, 2025MS TRANSVERSE INSURANCE COMPANYLiability · $1,000,000 · ended Feb 13, 2026 · superseded by the same policya cancellation notice effective Mar 30, 2026 came after the replacement; 9 months in forceL&I to May 14, 2026
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Apr 14, 2025FMCSA revocation notice for the operating authority, dropped May 5, 2025opened after MS TRANSVERSE SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 9, 2025)L&I to May 14, 2026
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Jan 7, 2025MS TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 9, 2025 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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May 9, 2024TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 7, 2025 · superseded by the same policy8 months in forceL&I to May 14, 2026
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Apr 12, 2024FMCSA revocation notice for the operating authority, dropped May 9, 2024opened after TRANSVERSE SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 9, 2024)L&I to May 14, 2026
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Jan 29, 2024TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 9, 2024 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jan 29, 2024FMCSA revocation notice for the operating authority, dropped Jan 30, 2024opened after TRANSVERSE SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Feb 24, 2024)L&I to May 14, 2026
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Jun 20, 2023FMCSA revocation notice for the operating authority, dropped Jun 23, 2023opened after CONCERT SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jul 15, 2023)L&I to May 14, 2026
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Jun 15, 2023TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jan 29, 2024 · replaced by another insurera cancellation notice effective Feb 24, 2024 came after the replacement; 7 months in forceL&I to May 14, 2026
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Jun 15, 2023CONCERT SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jul 15, 2023 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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May 9, 2023TRANSVERSE SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jun 15, 2023 · superseded by the same policy1 month in forceL&I to May 14, 2026
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Apr 12, 2023FMCSA revocation notice for the operating authority, dropped May 2, 2023opened after STATE NATIONAL INSURANCE CO., INC. filed a cancellation notice (effective May 9, 2023)L&I to May 14, 2026
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May 9, 2022STATE NATIONAL INSURANCE CO., INC.Liability · $750,000 · ended May 9, 2023 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Dec 7, 2021STATE NATIONAL INSURANCE CO., INC.Liability · $750,000 · ended May 9, 2022 · cancellation notice took effect5 months in forceL&I to May 14, 2026
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Oct 15, 2020PROGRESSIVE EXPRESS INSURANCE COMPANYLiability · $750,000 · ended Dec 7, 2021 · replaced by another insurer14 months in forceL&I to May 14, 2026
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May 9, 2020PROGRESSIVE EXPRESS INSURANCE COMPANYLiability · $750,000 · ended Oct 15, 2020 · cancellation notice took effect5 months in forceL&I to May 14, 2026
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Apr 13, 2020FMCSA revocation notice for the operating authority, dropped May 12, 2020opened after STARR INDEMNITY & LIABILITY INSURANCE COMPANY filed a cancellation notice (effective May 9, 2020)L&I to May 14, 2026
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May 9, 2019STARR INDEMNITY & LIABILITY INSURANCE COMPANYLiability · $1,000,000 · ended May 9, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 12, 2019FMCSA revocation notice for the operating authority, dropped May 9, 2019opened after STARR INDEMNITY & LIABILITY INSURANCE COMPANY filed a cancellation notice (effective May 9, 2019)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…
Inspections by state
- Louisiana 16
- Georgia 12
- Tennessee 12
- Florida (HQ) 11
- Texas 11
- Arizona 9
- New Mexico 8
- California 7
Runs well beyond its home state: 11 of 172 inspections were in Florida.
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 (125 power units: 70 filed, 125 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
6.1
Actual, per year in window
2.0
Projected, next 12 mo
3.0
0
3.5
7
We'd expect a typical fleet of 125 power units this active to have about 6.1 crashes a year (sized from the 125 units seen roadside; 70 filed). This motor carrier recorded 6 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 2.0 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 3.0 over the next 12 — below a typical fleet. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.2× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 8% 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).
Track Record Used
Crashes Oct 1, 2023 → Sep 30, 2026 · inspections Nov 1, 2024 → Oct 31, 2026 · data as of Nov 4, 2026
Inside that window:
202 inspections
and 6 crashes.
The FMCSA record tables now hold 167 inspections and 2 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 Oct 1, 2023, inspections before Nov 1, 2024
- 5 inspections with no out-of-service result
Confidence: High · Z = 0.84
Strong — 0.49x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.048 crashes per power-unit-year for a 125-unit for-hire fleet (pu100_199). Violations 1.38x (driver behaviour 6.25x, out-of-service 1.90x, all violations 2.34x; 202 inspections). Experience 0.36x: 3.0 decayed crashes against 12.9 expected over 36 months (credibility 0.84, a 2.45). 80% range 0.24–0.78x. Fleet sized at 125 units from roadside VINs (70 filed). Excellent withheld: driver-behaviour relativity above 1.0. Last change: older crashes rolling off.
Since the previous weekly run the risk relativity moved -0.1%, driven by older crashes rolling off the 36-month ramp.
Scoring flags
MCS-150 mileage unreliable (mileage is not in the grade)
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
4.8 crashes per 100 power-unit-years
125 power units (70 filed, 125 seen roadside) · 6.06 expected crashes a year
Violation relativity
1.38×
202 inspections in window
Crash experience
0.36×
3.0 decayed crashes vs 12.9 expected · credibility 0.84
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 0.49× (80% range 0.24–0.78×)
· band Excellent → displayed Strong
· cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11, Critical above
- Excellent withheld: driver-behaviour relativity above 1.0×
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
172
Driver Insp
172
Driver OOS
35
Vehicle Insp
94
Vehicle OOS
35
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 33 | 13.32 | |
| HOS Compliance | 61 | 2.86 | |
| Driver Fitness | 14 | 0.75 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 70 | 9.49 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-DEC-24 – 31-MAY-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.