EAST-WEST INC
(828) 686-5434
eastwestfinance1@att.net
5130 Hendersonville Rd, Fletcher NC 28732
30
tractors · all leased
38 drivers
3.6M mi/yr · ~120k per unit
Marginal
FRED Score 39.5 / 100
Moderate confidence
38 yrs history · 127 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 30
- Drivers · CDL
- 38 · 38
- Annual miles
- 3.6M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 30 | 0 | 30 |
| Trailers | 0 | 85 | 0 | 85 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (08-15-2007) · 19 yr old
- Registered
- 08-22-1988 (38 yrs)
- MCS-150 Update
- 02-05-2026 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- TIM ALLEN
- Officer
- SPENCER LINN
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 70% chance), but the record is too thin to say by how much.
Similar fleets: for-hire 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 1.33×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
2.3 vs 1.8 for similar fleets
Likely 0–5 crashes
This motor carrier
2.3
Similar fleets
1.8
Chance of a fatal crash, next 12 months
~6%
About 1.3× similar fleets.
What's driving the grade
Crash history
betterworse
Leans worse, not yet proven. 7 crashes on the FMCSA record in 24 months (about 3.5 a year); similar fleets have about 1.8 a year. The grade counts 9 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Better than peers. Unsafe-driving and hours-of-service violations 0.47× and violations 0.60× the rate expected for its inspections. Together they move its crash estimate -11%: 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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Driver qualification2 out-of-service violations against drivers: 1 no valid CDL, 1 medical certificate (Feb 2025 – May 2026).Ask: driver qualification files and hiring standards.
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Tires and lightsTires are 20 of 56 violations (36%). Tire or light defects led to 20 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Unsafe drivingCited 3 for speeding 15+ mph over or in a work zone.Ask: telematics, speed governance and phone policy.
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Vehicle out-of-service rate31.3% of vehicle inspections end out of service vs 22.3% nationally (21 of 67), but across all its inspections out-of-service orders are 1.02× what's expected for where and how it's inspected, the measure the grade uses.
Strengths
- 7 crashes in 24 months. No injuries, no fatalities.
- Driver out-of-service rate 1.6% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 2
-
High speeding: 7
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
7
0 fatalities · 0 injuries · 0 tow-aways
Inspections
127
66% clean (no violations)
Vehicle out-of-service
31.3%
21 of 67
National avg 22.3%
Driver out-of-service
1.6%
2 of 127
National avg 6.7%
Violations
56
26 out-of-service
Inspections per quarter
With an out-of-service order
vs 11,996 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.133 | 0.027 |
| Inspections | 3.20 | 1.02 |
| Violations | 0.93 | 0.71 |
| Critical violations | 0.48 | 0.14 |
Yearly rates from the last 24 months. Peers: 20–49 power units, medium-risk cargo.
What they get cited for
56 violations · 24 months-
Vehicle maintenance No alert41 · 24 OOSTires 20 · Lights 6 · Brakes 5 · Cargo securement 2 · Steering & suspension 2 · 6 more
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Unsafe driving No alert11 · 0 OOSSpeeding 7 · Reckless / lane 4
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Hours of service No alert2 · 0 OOSFalse log 1 · Logbook / ELD paperwork 1
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Driver fitness No alert2 · 2 OOSMedical certificate 1 · No valid CDL 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
7 crashes
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May282026North CarolinaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Mar42026KentuckyProperty damage onlyDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Jan52026IllinoisProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Dec32025WyomingProperty damage onlyIce road, dark - not lighted, snow, two-way trafficway divided unprotected median.
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Jun12025KentuckyProperty damage onlyDaylight, two-way trafficway divided positive barrier. FMCSA: not preventable.
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Jan102025IllinoisProperty damage onlySnow road, daylight, snow. FMCSA: not preventable.
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Nov232024ArkansasProperty damage onlyDark - not lighted, two-way trafficway divided positive barrier.
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 · PROTECTIVE INSURANCE CO.on record since Nov 5, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since May 1992
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- $75,000 surety bond (BMC-84) · JET INSURANCE COMPANY since May 4, 2026
36 months to May 14, 2026
- 3 liability insurers on FMCSA's record, 2 changes: SPINNAKER INSURANCE COMPANY → PROTECTIVE INSURANCE CO. (Nov 2025); SENTRY SELECT INSURANCE COMPANY → SPINNAKER INSURANCE COMPANY (Nov 2024)
- 1 cancellation notice filed by an insurer, replaced before it took effect
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 7, 2025)
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
29 filings and 11 authority events since 1983 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
29 filings and 11 authority events since 1983 · 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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May 4, 2026JET INSURANCE COMPANYBroker bond (BMC-84) · on file · on fileL&I to May 14, 2026
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Nov 5, 2025PROTECTIVE INSURANCE CO.Liability · $750,000 · on fileL&I to May 14, 2026
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May 4, 2025NATIONWIDE MUTUAL INSURANCE COMPBroker bond (BMC-84) · ended May 4, 2026 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Apr 21, 2025FMCSA revocation notice for the broker authority, dropped May 7, 2025cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Mar 4, 2025SPINNAKER INSURANCE COMPANYLiability · $750,000 · ended Nov 5, 2025 · replaced by another insurer8 months in forceL&I to May 14, 2026
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Nov 5, 2024SPINNAKER INSURANCE COMPANYLiability · $750,000 · ended Mar 4, 2025 · superseded by the same policya cancellation notice effective Apr 7, 2025 came after the replacement; 4 months in forceL&I to May 14, 2026
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Nov 5, 2023SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Nov 5, 2024 · replaced by another insurer12 months in forceL&I to May 14, 2026
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May 1, 2022SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Nov 5, 2023 · replaced by the same insurer (renewal)18 months in forceL&I to May 14, 2026
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Nov 5, 2018SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended May 1, 2022 · replaced by the same insurer (renewal)42 months in forceL&I to May 14, 2026
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May 5, 2016Broker authority reinstatedL&I to May 14, 2026
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May 4, 2016WESTFIELD INSURANCE CO.Broker bond (BMC-84) · ended May 4, 2025 · replaced by another insurera cancellation notice effective May 16, 2025 came after the replacement; 108 months in forceL&I to May 14, 2026
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Dec 4, 2013Broker authority revoked (cause not stated)L&I to May 14, 2026
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Mar 1, 2012OLD REPUBLIC INSURANCE COMPANYLiability · $1,000,000 · ended Nov 5, 2018 · replaced by another insurer80 months in forceL&I to May 14, 2026
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Mar 1, 2011NATIONAL CASUALTY COMPANYCargo · ended Apr 20, 2012 · cancellation notice took effect14 months in forceL&I to May 14, 2026
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Mar 1, 2011NATIONAL CASUALTY COMPANYLiability · $750,000 · ended Mar 1, 2012 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Feb 2, 2011FMCSA revocation notice for the operating authority, dropped Feb 23, 2011opened after VANLINER INSURANCE COMPANY filed a cancellation notice (effective Mar 1, 2011)L&I to May 14, 2026
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Mar 1, 2009VANLINER INSURANCE COMPANYLiability · $750,000 · ended Mar 1, 2011 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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Mar 1, 2007HARTFORD FIRE INSURANCE COMPANYCargo · ended Mar 1, 2011 · replaced by another insurer48 months in forceL&I to May 14, 2026
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Mar 2, 2005FMCSA revocation notice for the operating authority, dropped Mar 14, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Mar 1, 2005LEXINGTON INSURANCE COMPANYCargo · ended Mar 1, 2007 · replaced by another insurera cancellation notice effective Mar 31, 2007 came after the replacement; 24 months in forceL&I to May 14, 2026
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Mar 1, 2004GREAT WEST CASUALTY CO.Cargo · ended Mar 1, 2005 · replaced by another insurera cancellation notice effective Mar 29, 2005 came after the replacement; 12 months in forceL&I to May 14, 2026
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Feb 27, 2004FMCSA revocation notice for the operating authority, dropped Mar 4, 2004cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Mar 1, 2003UNDERWRITERS AT LLOYDS LONDONCargo · ended Mar 1, 2004 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 1, 2002LEXINGTON INSURANCE COMPANYCargo · ended Mar 1, 2003 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Mar 1, 2001LEXINGTON INSURANCE COMPANYCargo · ended Mar 1, 2002 · replaced by the same insurer (renewal)12 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
- Kentucky 34
- North Carolina (HQ) 31
- Tennessee 22
- Illinois 7
- South Carolina 7
- Indiana 6
- Utah 5
- Missouri 4
24% 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 (40 power units: 30 filed, 40 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
1.8
Actual, per year in window
3.0
Projected, next 12 mo
2.3
0
1.75
3.5
We'd expect a typical fleet of 40 power units this active to have about 1.8 crashes a year (sized from the 40 units seen roadside; 30 filed). This motor carrier recorded 9 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 3.0 a year) — about 1.7× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 2.3 over the next 12 — about 1.3× 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 6% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.3× that of 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 9 crashes.
The FMCSA record tables now hold 127 inspections and 7 crashes in that window — the SMS data moved after this grade was computed.
Confidence: Moderate · Z = 0.44
Marginal — 1.33x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.044 crashes per power-unit-year for a 40-unit for-hire fleet (pu20_49). Violations 0.89x (driver behaviour 0.47x, out-of-service 1.02x, all violations 0.60x; 124 inspections). Experience 1.50x: 5.1 decayed crashes against 2.4 expected over 36 months (credibility 0.44, a 3.07). 80% range 0.76–1.97x. Fleet sized at 40 units from roadside VINs (30 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
4.4 crashes per 100 power-unit-years
40 power units (30 filed, 40 seen roadside) · 1.76 expected crashes a year
Violation relativity
0.89×
124 inspections in window
Crash experience
1.50×
5.1 decayed crashes vs 2.4 expected · credibility 0.44
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 1.33× (80% range 0.76–1.97×)
· band Marginal
· 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
2
Vehicle Insp
67
Vehicle OOS
21
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 11 | 3.51 | |
| HOS Compliance | 2 | 0.09 | |
| Driver Fitness | 2 | 0.14 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 30 | 5.09 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-26 – 31-DEC-25) 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.