PAN AMERICAN EXPRESS INC
(956) 723-4848
tabitha@panamex-zero.com
4848 Riverside Dr, Laredo TX 78041
191
tractors
192 drivers
18.5M mi/yr · ~97k per unit
Satisfactory
FRED Score 72.1 / 100
High confidence
37 yrs history · 335 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 191
- Drivers · CDL
- 192 · 92
- Annual miles
- 18.5M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 139 | 52 | 0 | 191 |
| Trailers | 612 | 0 | 0 | 612 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (05-30-2016) · 10 yr old
- Registered
- 03-20-1989 (37 yrs)
- MCS-150 Update
- 05-30-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- RICARDO GUARDADO
- Officer
- JOE FLORES
Cargo
66.4
medium risk
Motor Vehicles
Metal: Sheets/Coils/Rolls
Meat
Refrigerated Food
General Freight
Building Materials
Fresh Produce
Beverages
Other: AUTO PARTS
US Mail
Dry Bulk
Paper Products
Construction
Chemicals
- High-Risk Cargo
- Motor Vehicles, 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 lower than similar fleets (about an 80% chance), but the record is too thin to say by how much.
Similar fleets: for-hire 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 0.79×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
5.1 vs 6.5 for similar fleets
Likely 2–9 crashes
This motor carrier
5.1
Similar fleets
6.5
Chance of a fatal crash, next 12 months
~13%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 9 crashes on the FMCSA record in 24 months (about 4.5 a year), including 4 with injuries; similar fleets have about 6.5 a year. The grade counts 12 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Better than peers. Violations 0.36× and out-of-service orders 0.46× the rate expected for its inspections. Together they move its crash estimate -13%: 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 crashes4 crashes with 4 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service14 out-of-service violations against drivers: 6 English proficiency, 5 no valid CDL, 3 hours of service (Dec 2024 – Sep 2026).Ask: driver supervision and dispatch practices.
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Lights and brakesLights are 50 of 216 violations (23%). Light or brake defects led to 13 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs4 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
Strengths
- Vehicle out-of-service rate 9.4% vs 22.3% national; driver 3.6% vs 6.7%.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 6
-
Excessive speeding: 14
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
9
0 fatalities · 4 injuries · 0 tow-aways
Inspections
335
62% clean (no violations)
Vehicle out-of-service
9.4%
22 of 235
National avg 22.3%
Driver out-of-service
3.6%
12 of 335
National avg 6.7%
Violations
216
34 out-of-service
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 2 inspections.
vs 1,871 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.026 | 0.024 |
| Inspections | 1.33 | 0.91 |
| Violations | 0.57 | 0.51 |
| Critical violations | 0.09 | 0.10 |
Yearly rates from the last 24 months. Peers: 100–199 power units, medium-risk cargo.
What they get cited for
216 violations · 24 months-
Vehicle maintenance No alert141 · 20 OOSLights 50 · Brakes 42 · Tires 13 · Cargo securement 5 · Wheels & hubs 4 · 27 more
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Unsafe driving No alert32 · 0 OOSSpeeding 15 · Reckless / lane 6 · Other 11
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Hours of service No alert27 · 3 OOSLogbook / ELD paperwork 18 · Over hours limit 5 · False log 4
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Driver fitness No alert16 · 11 OOSEnglish proficiency 10 · No valid CDL 5 · Medical certificate 1
-
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-
Jun12026IndianaProperty damage onlyDaylight.
-
Apr292026IndianaProperty damage onlyDaylight.
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Jan252026ArkansasInjury · 1 person hurtIce road, daylight, snow, two-way trafficway divided unprotected median.
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Nov62025IllinoisInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median. Citation issued.
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Nov42025MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jun172025TexasInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr222025TexasProperty damage onlyWet road, daylight, rain, two-way trafficway not divided.
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Feb192025IllinoisProperty damage onlyIce road, dark - not lighted, snow, two-way trafficway divided positive barrier. Citation issued.
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Feb122025IndianaInjury · 1 person hurtDaylight.
1 more in the FMCSA records below.
4 of the 9 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
-
$1,000,000 · Travelers Property Casualty Company of Americaon record since Oct 1, 2015 · FMCSA minimum $750,000 · no gap on FMCSA's record since Nov 2010
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- required · none on file
36 months to Nov 2, 2026
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Oct 7, 2024)
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
27 filings and 9 authority events since 1987 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
27 filings and 9 authority events since 1987 · 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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Oct 7, 2024Broker authority revoked (cause not stated)L&I to May 14, 2026
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Oct 1, 2023NATIONWIDE MUTUAL INSURANCE COMPBroker bond (BMC-84) · ended Oct 1, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2015Travelers Property Casualty Company of AmericaLiability · $1,000,000 · on fileFMCSA's new system
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Sep 4, 2015FMCSA revocation notice for the operating authority, dropped Sep 15, 2015opened after TRAVELERS PROPERTY CASUALTY CO. OF AMERICA filed a cancellation notice (effective Oct 1, 2015)L&I to May 14, 2026
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Oct 1, 2014TRAVELERS PROPERTY CASUALTY CO. OF AMERICALiability · $1,000,000 · ended Oct 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2013AMERICAN ALTERNATIVE INSURANCE CORPORATIONBroker bond (BMC-84) · ended Oct 1, 2023 · replaced by another insurer120 months in forceL&I to May 14, 2026
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Oct 1, 2013TRAVELERS PROPERTY CASUALTY CO. OF AMERICALiability · $1,000,000 · ended Oct 1, 2014 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2012DISCOVER PROPERTY & CASUALTY INSURANCE CO.Liability · $1,000,000 · ended Oct 1, 2013 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2011DISCOVER PROPERTY & CASUALTY INSURANCE CO.Liability · $1,000,000 · ended Oct 1, 2012 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Nov 1, 2010DISCOVER PROPERTY & CASUALTY INSURANCE CO.Liability · $1,000,000 · ended Oct 1, 2011 · replaced by the same insurer (renewal)11 months in forceL&I to May 14, 2026
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Oct 31, 2010UNDERWRITERS AT LLOYDS LONDONCargo · ended Nov 1, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 5, 2010FMCSA revocation notice for the operating authority, dropped Oct 25, 2010cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jul 29, 2010FIDELITY & DEPOSIT CO. OF MARYLANDBroker bond (BMC-84) · ended Oct 1, 2013 · replaced by another insurer38 months in forceL&I to May 14, 2026
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Oct 31, 2009UNDERWRITERS AT LLOYDS LONDONCargo · ended Oct 31, 2010 · replaced by the same insurer (renewal)a cancellation notice effective Nov 1, 2010 came after the replacement; 12 months in forceL&I to May 14, 2026
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Oct 5, 2009FMCSA revocation notice for the operating authority, dropped Oct 28, 2009cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Oct 31, 2008UNDERWRITERS AT LLOYDS LONDONCargo · ended Oct 31, 2009 · replaced by the same insurer (renewal)a cancellation notice effective Nov 1, 2009 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jul 29, 2008OLD REPUBLIC SURETY COMPANYBroker bond (BMC-84) · ended Jul 29, 2010 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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Nov 1, 2007NORTH RIVER INSURANCE CO.Cargo · ended Oct 31, 2008 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Nov 6, 2004LINCOLN GENERAL INSURANCE COMPANYBroker bond (BMC-84) · ended Jul 29, 2008 · replaced by another insurer45 months in forceL&I to May 14, 2026
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Oct 31, 2004HARTFORD FIRE INSURANCE COMPANYCargo · ended Nov 1, 2007 · replaced by another insurera cancellation notice effective Nov 28, 2007 came after the replacement; 36 months in forceL&I to May 14, 2026
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Nov 1, 2003ZURICH AMERICAN INSURANCE COMPANYLiability · $1,000,000 · ended Oct 6, 2006 · cancellation notice took effect35 months in forceL&I to May 14, 2026
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Jan 28, 2003Broker authority grantedL&I to May 14, 2026
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Oct 15, 2002INTERNATIONAL BANK OF COMMERCEBroker trust fund (BMC-85) · ended Nov 6, 2004 · replaced25 months in forceL&I to May 14, 2026
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Jan 16, 2002FMCSA revocation notice for the operating authority, dropped Feb 8, 2002cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Nov 1, 2001ST. PAUL FIRE & MARINE INSURANCE CO.Liability · $2,000,000 · ended Nov 1, 2003 · cancellation notice took effect24 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
- Texas (HQ) 229
- Arkansas 23
- Indiana 17
- Louisiana 12
- Illinois 10
- Missouri 9
- Michigan 7
- Ohio 6
68% 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 (191 power units: 191 filed, 154 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
6.5
Actual, per year in window
4.0
Projected, next 12 mo
5.1
0
4
8
We'd expect a typical fleet of 191 power units this active to have about 6.5 crashes a year. This motor carrier recorded 12 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 4.0 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 5.1 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 13% 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 Sep 1, 2023 → Aug 31, 2026 · inspections Oct 1, 2024 → Sep 30, 2026 · data as of Oct 29, 2026
Inside that window:
337 inspections
and 12 crashes.
The FMCSA record tables now hold 333 inspections and 9 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 Sep 1, 2023, inspections before Oct 1, 2024
- 2 inspections with no out-of-service result
Confidence: High · Z = 0.71
Satisfactory — 0.79x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.034 crashes per power-unit-year for a 191-unit for-hire fleet (pu100_199). Violations 0.87x (driver behaviour 1.01x, out-of-service 0.46x, all violations 0.36x; 337 inspections). Experience 0.91x: 7.6 decayed crashes against 8.7 expected over 36 months (credibility 0.71, a 3.50). 80% range 0.49–1.12x. 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
3.4 crashes per 100 power-unit-years
191 power units · 6.49 expected crashes a year
Violation relativity
0.87×
337 inspections in window
Crash experience
0.91×
7.6 decayed crashes vs 8.7 expected · credibility 0.71
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 0.79× (80% range 0.49–1.12×)
· 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 PropertyTotal Inspections
335
Driver Insp
335
Driver OOS
12
Vehicle Insp
235
Vehicle OOS
22
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 30 | 1.07 | |
| HOS Compliance | 20 | 0.36 | |
| Driver Fitness | 14 | 0.33 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 83 | 2.41 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-DEC-24 – 31-OCT-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.