TOM'S 24 HOUR TOWING INCORPORATED
DBA: LARD'S TOWING AND RECOVERY SOLUTIONS INC
FMCSA Live Status
Fleet & equipment
- Power units
- 11
- Drivers · CDL
- 10 · 10
- Annual miles
- 172k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 1 | 0 | 0 | 1 |
| Tractors | 10 | 0 | 0 | 10 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (01-27-2009) · 17 yr old
- Registered
- 05-24-1989 (37 yrs)
- MCS-150 Update
- 05-06-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- MICHAEL LARD
Cargo
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
The expected crashes on this page assume the filed fleet of 11 power units is real, but the roadside record corroborates little of it — 2 units seen in 24 months, 0.14 inspections per filed unit-year. Verify the fleet size before relying on the crash expectation.
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.
3 inspections and no crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: interstate fleets of 10–19 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
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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Filed fleet not seen on the roadOnly 2 of the 11 filed power units were seen at a roadside inspection in 24 months (3 inspections in all). The crash expectation assumes all 11 are running.Ask: how many trucks are actually operating, with the vehicle schedule (the MCS-150 was last updated May 2026).
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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.
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Limited inspection historyFewer than 5 roadside inspections on record, so there isn't enough data to score this motor carrier with high confidence — the score leans more on peers.
Track record
Inspected less often than interstate fleets of 10–19 trucks in Indiana (about 12 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.028 |
| Inspections | 0.27 | 0.79 |
| Violations | 0.14 | 0.56 |
| Critical violations | 0.09 | 0.12 |
Yearly rates from the last 24 months. Peers: interstate fleets, 10–19 power units, high-risk cargo.
What they get cited for
3 violations · 24 months-
Hours of service No alert2 · 0 OOSLogbook / ELD paperwork 1 · Over hours limit 1
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Unsafe driving No alert1 · 0 OOSPhone use 1
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Driver fitness No alert0
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Vehicle maintenance 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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$1,000,000 · ACUITY, A MUTUAL INSURANCE COMPANYon record since Sep 1, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Aug 1993
- 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
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Dec 17, 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
20 filings and 8 authority events since 1989 · 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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Nov 26, 2025FMCSA revocation notice for the operating authority, dropped Dec 17, 2025cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 1, 2025ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Sep 1, 2023ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Sep 1, 2025 · superseded by the same policy24 months in forceL&I to May 14, 2026
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Aug 24, 2018ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · ended Sep 1, 2023 · superseded by the same policy60 months in forceL&I to May 14, 2026
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Aug 6, 2018FMCSA revocation notice for the operating authority, dropped Aug 27, 2018opened after WESTFIELD INSURANCE CO. filed a cancellation notice (effective Sep 1, 2018)L&I to May 14, 2026
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Oct 15, 2007WESTFIELD INSURANCE CO.Liability · $750,000 · ended Aug 24, 2018 · replaced by another insurera cancellation notice effective Sep 1, 2018 came after the replacement; 130 months in forceL&I to May 14, 2026
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Sep 1, 2006WESTFIELD INSURANCE CO.Cargo · ended May 29, 2014 · cancellation notice took effect93 months in forceL&I to May 14, 2026
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Sep 1, 2006WESTFIELD INSURANCE CO.Liability · $1,000,000 · ended Oct 15, 2007 · cancellation notice took effect13 months in forceL&I to May 14, 2026
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Aug 7, 2006FMCSA revocation notice for the operating authority, dropped Aug 28, 2006opened after STONINGTON INSURANCE COMPANY filed a cancellation notice (effective Sep 1, 2006)L&I to May 14, 2026
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Nov 14, 2005FMCSA revocation notice for the operating authority, dropped Dec 6, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 1, 2005STONINGTON INSURANCE COMPANYCargo · ended Sep 1, 2006 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 1, 2005STONINGTON INSURANCE COMPANYLiability · $1,000,000 · ended Sep 1, 2006 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 5, 2005FMCSA revocation notice for the operating authority, dropped Aug 29, 2005opened after WESTPORT INSURANCE CORPORATION filed a cancellation notice (effective Sep 1, 2005)L&I to May 14, 2026
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Sep 1, 2004WESTPORT INSURANCE CORPORATIONCargo · ended Sep 1, 2005 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 1, 2004WESTPORT INSURANCE CORPORATIONLiability · $1,000,000 · ended Sep 1, 2005 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 5, 2004FMCSA revocation notice for the operating authority, dropped Sep 7, 2004opened after WESTPORT INSURANCE CORPORATION filed a cancellation notice (effective Sep 1, 2004)L&I to May 14, 2026
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Sep 1, 2003WESTPORT INSURANCE CORPORATIONCargo · ended Sep 1, 2004 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 1, 2003WESTPORT INSURANCE CORPORATIONLiability · $1,000,000 · ended Sep 1, 2004 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 1, 2002WESTPORT INSURANCE CORPORATIONLiability · $1,000,000 · ended Sep 1, 2003 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 1, 2001WESTPORT INSURANCE CORPORATIONLiability · $1,000,000 · ended Sep 1, 2002 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Aug 2, 2001FMCSA revocation notice for the operating authority, dropped Aug 17, 2001opened after PENNSYLVANIA GENERAL INSURANCE COMPANY filed a cancellation notice (effective Sep 1, 2001)L&I to May 14, 2026
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Sep 1, 1997PENNSYLVANIA GENERAL INSURANCE COMPANYCargo · ended Sep 1, 2003 · replaced by another insurer72 months in forceL&I to May 14, 2026
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Sep 1, 1997PENNSYLVANIA GENERAL INSURANCE COMPANYLiability · $1,000,000 · ended Sep 1, 2001 · cancellation notice took effect48 months in forceL&I to May 14, 2026
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Sep 1, 1996CELINA MUTUAL INSURANCE COMPANYLiability · ended Sep 1, 1997 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Sep 1, 1995HARTFORD INSURANCE COMPANY OF THE MIDWESTLiability · ended Sep 1, 1996 · replaced by another insurer12 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
- Indiana (HQ) 1
- Virginia 1
- West Virginia 1
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 (11 power units: 11 filed, 2 seen roadside in 24 months).
We'd expect a typical fleet of 11 power units this active to have about 0.2 crashes a year — but only 2 of the 11 filed units were seen roadside in 24 months (0.14 inspections per filed unit-year), so this expectation assumes the filed fleet is real. This motor carrier recorded 0 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.0 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 0.2 over the next 12.
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 | 1 | 0.90 | |
| HOS Compliance | 1 | 3.20 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 0 | 0.00 |
SMS record data is sourced from FMCSA's Safety Measurement System (20-MAR-26 – 21-MAR-26) 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.