LOWE'S GARAGE & TOWING INC
DBA: LOWE'S GARAGE & TOWING
FMCSA Live Status
Fleet & equipment
- Power units
- 8
- Drivers · CDL
- 5 · 5
- Annual miles
- 250k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 3 | 0 | 0 | 3 |
| Tractors | 5 | 0 | 0 | 5 |
| Trailers | 4 | 0 | 0 | 4 |
Registration
- Organization
- INDIVIDUAL
- Registered
- 02-15-1989 (37 yrs)
- MCS-150 Update
- 10-23-2024 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- WILLIAM S. BENNETT
- Officer
- WILLIAM T. BENNETT
Cargo
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away, Machinery Large, 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.
Expected crash rate is about 24% lower than similar fleets.
Similar fleets: interstate fleets of about 8 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
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.
- Nothing on the FMCSA record stands out.
- No reportable crashes in 24 months.
Track record
Inspected about as often as interstate fleets of 6–9 trucks in Tennessee (about 9 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.039 |
| Inspections | 0.69 | 1.38 |
| Violations | 0.25 | 1.31 |
| Critical violations | 0.12 | 0.27 |
Yearly rates from the last 24 months. Peers: interstate fleets, Small (advisory) power units, high-risk cargo.
What they get cited for
4 violations · 24 months-
Vehicle maintenance No alert3 · 2 OOSTires 2 · Other parts 1
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Driver fitness No alert1 · 0 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
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 May 14, 2026 · no change recorded by FMCSA since- Last on FMCSA's record (May 14, 2026)
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$750,000 · ACUITY, A MUTUAL INSURANCE COMPANYon record since Feb 12, 2024 · FMCSA minimum $750,000 · no gap on FMCSA's record since Sep 2007
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 3 liability insurers on FMCSA's record, 2 changes: PROGRESSIVE HAWAII INSURANCE CORP → ACUITY, A MUTUAL INSURANCE COMPANY (Feb 2024); AMGUARD INSURANCE COMPANY → PROGRESSIVE HAWAII INSURANCE CORP (Sep 2023)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Sep 30, 2022)
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
62 filings and 26 authority events since 1992 · 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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Feb 12, 2024ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Sep 8, 2023PROGRESSIVE HAWAII INSURANCE CORPLiability · $1,000,000 · ended Feb 12, 2024 · replaced by another insurer5 months in forceL&I to May 14, 2026
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Sep 9, 2022FMCSA revocation notice for the operating authority, dropped Sep 30, 2022cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 6, 2022AMGUARD INSURANCE COMPANYCargo · ended Oct 26, 2023 · cancellation notice took effect14 months in forceL&I to May 14, 2026
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Sep 6, 2022AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 8, 2023 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Aug 10, 2022FMCSA revocation notice for the operating authority, dropped Aug 22, 2022cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 6, 2021AMGUARD INSURANCE COMPANYCargo · ended Sep 6, 2022 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Sep 6, 2021AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 6, 2022 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Aug 10, 2021FMCSA revocation notice for the operating authority, dropped Sep 7, 2021opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Sep 6, 2021)L&I to May 14, 2026
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Mar 16, 2021AMGUARD INSURANCE COMPANYCargo · ended Sep 6, 2021 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Mar 16, 2021AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 6, 2021 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Mar 16, 2021FMCSA revocation notice for the operating authority, dropped Mar 17, 2021opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Apr 12, 2021)L&I to May 14, 2026
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Sep 6, 2020AMGUARD INSURANCE COMPANYCargo · ended Mar 16, 2021 · superseded by the same policya cancellation notice effective Apr 12, 2021 came after the replacement; 6 months in forceL&I to May 14, 2026
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Sep 6, 2020AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Mar 16, 2021 · superseded by the same policya cancellation notice effective Apr 12, 2021 came after the replacement; 6 months in forceL&I to May 14, 2026
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Aug 10, 2020FMCSA revocation notice for the operating authority, dropped Sep 8, 2020opened after ARGONAUT-MIDWEST INSURANCE COMPANY filed a cancellation notice (effective Sep 6, 2020)L&I to May 14, 2026
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Sep 6, 2019ARGONAUT-MIDWEST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 6, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 12, 2019FMCSA revocation notice for the operating authority, dropped Sep 9, 2019opened after ARGONAUT-MIDWEST INSURANCE COMPANY filed a cancellation notice (effective Sep 6, 2019)L&I to May 14, 2026
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Sep 6, 2018ARGONAUT-MIDWEST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 6, 2019 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 10, 2018FMCSA revocation notice for the operating authority, dropped Sep 11, 2018opened after ARGONAUT-MIDWEST INSURANCE COMPANY filed a cancellation notice (effective Sep 6, 2018)L&I to May 14, 2026
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Oct 19, 2017Operating authority reinstatedL&I to May 14, 2026
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Sep 12, 2017Operating authority revoked (cause not stated)L&I to May 14, 2026
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Sep 6, 2017ARGONAUT-MIDWEST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 6, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 28, 2012FMCSA revocation notice for the operating authority, dropped Oct 9, 2012opened after NATIONAL INTERSTATE INSURANCE COMPANY filed a cancellation notice (effective Oct 25, 2012)L&I to May 14, 2026
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Sep 6, 2012MARKEL INSURANCE COMPANYCargo · ended Sep 6, 2017 · cancellation notice took effect60 months in forceL&I to May 14, 2026
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Sep 6, 2012MARKEL INSURANCE COMPANYLiability · $750,000 · ended Sep 6, 2017 · cancellation notice took effect60 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
- Tennessee (HQ) 6
- North Carolina 2
- Kentucky 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 (medium).
We'd expect a typical fleet of this size this active to have about 0.2 crashes a year. This motor carrier recorded 0 in its scoring window (Aug 1, 2025 → Jul 31, 2026) — fewer than a typical fleet. Factoring in its inspection and violation record inside that window, the model projects about 0.2 over the next 12 — below a typical fleet.
- Out-of-service inspection Feb 20, 2025 · TN · level 2 · 1 vehicle OOS · 1 violation
- 2 further inspections with no out-of-service result
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 | 0.07 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 3 | 3.66 |
SMS record data is sourced from FMCSA's Safety Measurement System (02-SEP-25 – 30-OCT-25) and may cover a different time window than the scoring window used for the FRED grade (Aug 1, 2025 → Jul 31, 2026). Counts here may differ from the grade's in-window counts.