ZUM SERVICES INC
DBA: ZUM
(855) 743-3986
legal-compliance@ridezum.com
220 Rankin St, San Francisco CA 94124
2,959
power units · all leased
2,240 drivers
Satisfactory
FRED Score 52.6 / 100
High confidence
7 yrs history · 3,231 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 2,959
- Drivers · CDL
- 2,240 · 2,240
- Annual miles
- 18.3M unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 20 | 0 | 20 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- FMCSA Rating
- Satisfactory (12-08-2023)
- Registered
- 12-23-2019 (7 yrs)
- MCS-150 Update
- 01-22-2026
- FRED Score Date
- Nov 08, 2026
- Officer
- LIZ SANCHEZ
- Officer
- RITU NARAYAN
Cargo
34.0
low risk
Other: PRE-PACKAGED FOOD
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
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 the same as similar fleets.
Similar fleets: interstate fleets of 500+ 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 0.3× as often as the median active fleet of 500+ trucks.
This motor carrier 1.03×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
32.3 vs 31.5 for similar fleets
Likely 21–44 crashes
This motor carrier
32.3
Similar fleets
31.5
Chance of a fatal crash, next 12 months
~57%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 59 crashes on the FMCSA record in 24 months (about 30 a year), including 32 with injuries; similar fleets have about 32 a year. The grade counts 86 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.25× the rate expected for its inspections, but violations 0.39×. Together they move its crash estimate -5%: 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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Injury crashes32 crashes with 47 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Lapse in liability filings54 days without a liability filing on FMCSA's record, the longest of 2 lapses in 36 months while the authority required one. A filing received later can be back-dated and close a lapse. Not in the grade.Ask: what covered the fleet during the gap.
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Steering & suspension and lightsSteering & suspension are 68 of 319 violations (21%). Steering & suspension or light defects led to 5 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
Strengths
- Vehicle out-of-service rate 3.9% vs 22.3% national; driver 0.0% vs 6.7%.
- No FMCSA BASIC alerts.
- 92% of inspections found no violations.
Data flags
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Dangerous driving: 3
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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, Sep 2024 – Sep 2026
· grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
59
0 fatalities · 47 injuries · 0 tow-aways
Inspections
3,231
92% clean (no violations)
Vehicle out-of-service
3.9%
125 of 3,228
National avg 22.3%
Driver out-of-service
0.0%
0 of 33
National avg 6.7%
Violations
319
121 out-of-service
Inspected more often than interstate fleets of 500+ trucks in California (about 1562 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
Sep 25–30, 2024 isn't charted (too little of that quarter is on file); the 24-month totals include its 11 inspections.
vs 26 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.011 | 0.016 |
| Inspections | 0.79 | 0.32 |
| Violations | 0.05 | 0.10 |
| Critical violations | 0.00 | 0.02 |
Yearly rates from the last 24 months. Peers: interstate fleets, 500+ power units, low-risk cargo.
What they get cited for
319 violations · 24 months-
Vehicle maintenance No alert314 · 121 OOSSteering & suspension 68 · Lights 56 · Brakes 29 · Tires 22 · Cargo securement 7 · 132 more
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Unsafe driving No alert4 · 0 OOSReckless / lane 1 · Speeding 1 · Other 2
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Driver fitness No alert1 · 0 OOSNo valid CDL 1
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Hours of service No alert0
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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-
Sep102026KansasProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Aug282026PennsylvaniaInjury · 2 people hurtDaylight.
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May292026WashingtonProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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May52026WashingtonProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Apr242026MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr222026CaliforniaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr132026MarylandInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr62026MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Apr22026MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Mar122026MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Mar52026MissouriInjury · 1 person hurtWet road, daylight, two-way trafficway divided unprotected median.
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Jan292026CaliforniaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Jan162026MissouriInjury · 2 people hurtDaylight, two-way trafficway divided unprotected median.
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Jan72026CaliforniaInjury · 1 person hurtDaylight, one-way trafficway not divided.
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Jan72026NebraskaInjury · 1 person hurtDawn, two-way trafficway divided unprotected median.
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Dec152025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Dec42025MissouriInjury · 3 people hurtDaylight, two-way trafficway divided unprotected median.
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Nov212025MissouriInjury · 4 people hurtDaylight, two-way trafficway divided unprotected median.
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Nov172025MissouriInjury · 2 people hurtDaylight, two-way trafficway divided unprotected median.
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Oct282025MissouriInjury · 2 people hurtWet road, daylight, rain, two-way trafficway divided unprotected median.
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Sep262025MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Aug262025MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Aug82025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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May302025NebraskaInjury · 1 person hurtDaylight, two-way trafficway not divided.
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May192025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway not divided.
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May162025MissouriInjury · 2 people hurtDaylight.
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May92025VirginiaInjury · 2 people hurtDaylight, two-way trafficway divided unprotected median.
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Apr222025CaliforniaInjury · 4 people hurtDaylight, two-way trafficway not divided.
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Mar262025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway not divided.
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Mar142025NebraskaInjury · 1 person hurtWet road, daylight, two-way trafficway divided unprotected median. Citation issued.
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Feb262025MissouriInjury · 2 people hurtDaylight, two-way trafficway not divided.
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Feb72025NebraskaInjury · 1 person hurtDaylight, two-way trafficway not divided. Citation issued.
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Jan212025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway not divided.
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Jan152025CaliforniaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Oct292024CaliforniaInjury · 1 person hurtDaylight, two-way trafficway not divided.
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Sep272024MarylandInjury · 1 person hurtWet road, daylight, rain, two-way trafficway not divided.
51 more in the FMCSA records below.
32 of the 59 crashes hurt someone but killed no one.
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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primary $2,000,000 + excess $3,000,000 (total $5,000,000) · ZSI INSURANCE CO RISK RETENTION GROUP INC (risk retention group)on record since Sep 26, 2025 · FMCSA minimum $5,000,000
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to May 14, 2026
- 2 liability insurers on FMCSA's record, 1 change: ACE AMERICAN INSURANCE COMPANY → ZSI INSURANCE CO RISK RETENTION GROUP INC (Sep 2025)
- 2 cancellation notices filed by insurers; 1 took effect (the last Jun 2, 2023, replaced 54 days later); 1 replaced before it took effect
- 2 lapses in liability filings, 85 days in all (the longest 54 days) while the authority required one; a later back-dated filing can close a lapse
Authority
- FMCSA notices resolved in time: 3
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Feb 27, 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
10 filings and 4 authority events since 2022 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
10 filings and 4 authority events since 2022 · 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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Sep 26, 2025ZSI INSURANCE CO RISK RETENTION GROUP INC (risk retention group)Liability · $2,000,000 · on fileL&I to May 14, 2026
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Sep 26, 2025GEMINI INSURANCE COMPANYLiability (excess) · $3,000,000 over $2,000,000 · on fileL&I to May 14, 2026
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Jul 26, 2025ACE AMERICAN INSURANCE COMPANYLiability · $2,000,000 · ended Aug 26, 2025 · replaced by another insurer1 month in forceL&I to May 14, 2026
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Jul 26, 2024GEMINI INSURANCE COMPANYLiability (excess) · $3,000,000 over $2,000,000 · ended Sep 26, 2025 · replaced by the same insurer (renewal)a cancellation notice effective Oct 25, 2025 came after the replacement; 14 months in forceL&I to May 14, 2026
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Jul 9, 2024ACE AMERICAN INSURANCE COMPANYLiability · $2,000,000 · ended Jul 26, 2025 · replaced by the same insurer (renewal)13 months in forceL&I to May 14, 2026
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Jul 9, 2024FMCSA revocation notice for the operating authority, dropped Jul 30, 2024cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jul 26, 2023GEMINI INSURANCE COMPANYLiability (excess) · $3,000,000 over $2,000,000 · ended Jul 26, 2024 · replaced by the same insurer (renewal)a cancellation notice effective Aug 5, 2024 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jul 26, 2023ACE AMERICAN INSURANCE COMPANYLiability · $2,000,000 · ended Jul 9, 2024 · replaced by the same insurer (renewal)11 months in forceL&I to May 14, 2026
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Jun 29, 2023FMCSA revocation notice for the operating authority, dropped Jul 26, 2023cause not stated in FMCSA's older recordsL&I to May 14, 2026
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May 24, 2023FMCSA revocation notice for the operating authority, dropped Jun 1, 2023opened after ACE AMERICAN INSURANCE COMPANY filed a cancellation notice (effective Jun 2, 2023)L&I to May 14, 2026
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May 24, 2023Operating authority grantedL&I to May 14, 2026
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Jul 26, 2022GENERAL STAR INDEMNITY COMPANYLiability (excess) · $3,000,000 over $2,000,000 · ended Jul 26, 2023 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 26, 2022ACE AMERICAN INSURANCE COMPANYLiability · $2,000,000 · ended Jun 2, 2023 · cancellation notice took effect10 months in forceL&I to May 14, 2026
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Jul 22, 2022ACE AMERICAN INSURANCE COMPANYLiability · $2,000,000 · ended Jul 26, 2022 · superseded by the same policya cancellation notice effective Jun 2, 2023 came after the replacementL&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
- California (HQ) 2,967
- Nebraska 103
- Missouri 71
- Maryland 64
- Washington 24
- Pennsylvania 2
Mostly inspected in its home state (92%).
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 (2959 power units: 2959 filed, 1595 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
31.5
Actual, per year in window
28.7
Projected, next 12 mo
32.3
0
20
40
We'd expect a typical fleet of 2959 power units this active to have about 31.5 crashes a year. This motor carrier recorded 86 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 28.7 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 32.3 over the next 12. 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 57% chance in the next 12 months
Modeled fatal-crash rate is about typical for 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:
3299 inspections
and 86 crashes.
The FMCSA record tables now hold 3121 inspections and 59 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
- Out-of-service inspection Oct 31, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 31, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 29, 2024 · CA · level 5 · 1 vehicle OOS · 0 violations
- Out-of-service inspection Oct 25, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 25, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 25, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 25, 2024 · CA · level 5 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 11, 2024 · CA · level 5 · 1 vehicle OOS · 2 violations
- 102 further inspections with no out-of-service result
Confidence: High · Z = 0.96
Satisfactory — 1.03x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.011 crashes per power-unit-year for a 2959-unit for-hire fleet (pu500p). Violations 0.95x (driver behaviour 1.25x, out-of-service 0.91x, all violations 0.39x; 3299 inspections). Experience 1.08x: 50.0 decayed crashes against 46.0 expected over 36 months (credibility 0.96, a 1.88). 80% range 0.81–1.26x. Last change: a new crash.
Since the previous weekly run the risk relativity moved +12.6%, driven by a new crash on the record.
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
1.1 crashes per 100 power-unit-years
2959 power units · 31.52 expected crashes a year
Violation relativity
0.95×
3299 inspections in window
Crash experience
1.08×
50.0 decayed crashes vs 46.0 expected · credibility 0.96
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 1.03× (80% range 0.81–1.26×)
· band Satisfactory
· 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 PassengerTotal Inspections
3,231
Driver Insp
33
Driver OOS
0
Vehicle Insp
3,228
Vehicle OOS
125
| BASIC | Insp w/ Viol | Measure | Percentile | Alert |
|---|---|---|---|---|
| Unsafe Driving | 4 | 0.01 | - | |
| HOS Compliance | 0 | 0.00 | - | |
| Driver Fitness | 1 | 0.05 | - | |
| Controlled Substances | 0 | 0.00 | - | |
| Vehicle Maintenance | 263 | 0.32 | - |
SMS record data is sourced from FMCSA's Safety Measurement System (01-AUG-25 – 31-OCT-25) 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.