CATO INC
DBA: CATO GAS & OIL
FMCSA Live Status
Fleet & equipment
- Power units
- 55
- Drivers · CDL
- 30 · 30
- Annual miles
- 1.1M unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 16 | 2 | 0 | 18 |
| Trailers | 18 | 0 | 0 | 18 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (05-04-1987) · 39 yr old
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 04-29-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- PETE PHOEBUS
Cargo
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).
Not enough record to grade yet.
95 inspections and 2 crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire fleets of 50–99 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 0.6× as often as the median active fleet of 50–99 trucks.
A record this thin can't pin that down: about a 1-in-7 chance it runs at Poor-level crash rates.
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.
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Driver qualification1 out-of-service violation against drivers: 1 no valid CDL (Jul 2026).Ask: driver qualification files and hiring standards.
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Brakes and tiresBrakes are 10 of 24 violations (42%). Brake or tire defects led to 8 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Hazmat violations2 hazmat violations, 1 out of service.
- 2 crashes in 24 months. No injuries, no fatalities.
- Vehicle out-of-service rate 8.6% vs 22.3% national; driver 1.1% vs 6.7%.
- 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
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.036 | 0.022 |
| Inspections | 1.35 | 0.58 |
| Violations | 0.22 | 0.32 |
| Critical violations | 0.05 | 0.05 |
Yearly rates from the last 24 months. Peers: 50–99 power units, minimal-risk cargo.
What they get cited for
24 violations · 24 months-
Vehicle maintenance No alert21 · 9 OOSBrakes 10 · Tires 5 · Lights 1 · Steering & suspension 1 · Wheels & hubs 1 · 3 more
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Driver fitness No alert1 · 1 OOSNo 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
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Hazmat2 · 1 OOS
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Jun262026DelawareProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jan272026MarylandProperty damage onlyDaylight, two-way trafficway divided unprotected median. Hazmat released.
1 of the 2 crashes released hazardous materials.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
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$1,000,000 · ZURICH AMERICAN INSURANCE COMPANYon record since Apr 1, 2012 · FMCSA minimum $1,000,000
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Feb 5, 2014)
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
1 filing and 1 authority event since 2012 · 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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Feb 5, 2014Operating authority grantedL&I to May 14, 2026
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Apr 1, 2012ZURICH AMERICAN INSURANCE COMPANYLiability · $1,000,000 · on fileFMCSA's new system
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
- Maryland (HQ) 80
- Delaware 10
- Pennsylvania 3
- Virginia 2
Mostly inspected in its home state (84%).
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 (55 power units: 55 filed, 26 seen roadside in 24 months).
We'd expect a typical fleet of 55 power units this active to have about 1.3 crashes a year. This motor carrier recorded 6 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.0 a year) — about 1.5× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.4 over the next 12. 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.
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 | 0 | 0.00 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 1 | 0.19 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 15 | 1.40 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 31-OCT-24) 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.