KEYSTONE LINES
(219) 476-1300
smurphy@tcservices.biz
336 West Us Hwy 30 Suite 201, Valparaiso IN 46385
67
tractors · all leased
64 drivers
1.8M mi/yr · ~27k per unit
HazMat
Satisfactory
FRED Score 50.0 / 100
Moderate confidence
37 yrs history · 79 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 67
- Drivers · CDL
- 64 · 64
- Annual miles
- 1.8M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 67 | 0 | 67 |
| Trailers | 14 | 99 | 0 | 113 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (06-10-2026)
- Registered
- 11-06-1989 (37 yrs)
- MCS-150 Update
- 04-14-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- VERA ELLSWORTH
- Officer
- SARAH MURPHY
Cargo
60.3
medium risk
Household Goods
Intermodal Containers
General Freight
Fresh Produce
Dry Bulk
Paper Products
- High-Risk Cargo
- General Freight, Household Goods
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 the same as similar fleets.
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.
This motor carrier 1.06×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Marginal. Its estimate (1.06× similar fleets) is in the Marginal range, but the record isn't strong enough to be 60% sure it is above the Marginal line (1.06×), so the grade stays Satisfactory.
Expected crashes, next 12 months
2.4 vs 2.2 for similar fleets
Likely 0–5 crashes
This motor carrier
2.4
Similar fleets
2.2
Chance of a fatal crash, next 12 months
~6%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 6 crashes on the FMCSA record in 24 months (about 3 a year), including 5 with injuries; similar fleets have about 2.2 a year.
Roadside inspections
betterworse
Much worse than peers. Unsafe-driving and hours-of-service violations 2.58× the rate expected for its inspections. Together they move its crash estimate +13%: roadside results weigh far less than crash history.
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 crashes5 crashes with 7 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Lights and brakesLights are 36 of 122 violations (30%). Light or brake defects led to 12 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.
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Unsafe drivingCited 2 for speeding 15+ mph over or in a work zone and 1 for phone use.Ask: telematics, speed governance and phone policy.
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Vehicle out-of-service rate38.0% of vehicle inspections end out of service vs 22.3% nationally (19 of 50), but across all its inspections out-of-service orders are 1.15× what's expected for where and how it's inspected, the measure the grade uses.
Strengths
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 3
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High speeding: 9
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
6
0 fatalities · 7 injuries · 0 tow-aways
Inspections
79
38% clean (no violations)
Vehicle out-of-service
38.0%
19 of 50
National avg 22.3%
Driver out-of-service
0.0%
0 of 79
National avg 6.7%
Violations
122
20 out-of-service
Inspections per quarter
With an out-of-service order
vs 4,520 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.045 | 0.025 |
| Inspections | 0.76 | 0.91 |
| Violations | 0.91 | 0.53 |
| Critical violations | 0.15 | 0.11 |
Yearly rates from the last 24 months. Peers: 50–99 power units, medium-risk cargo.
What they get cited for
122 violations · 24 months-
Vehicle maintenance No alert94 · 20 OOSLights 36 · Brakes 32 · Tires 7 · Cargo securement 4 · Steering & suspension 1 · 14 more
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Unsafe driving No alert16 · 0 OOSSpeeding 9 · Reckless / lane 4 · Phone use 1 · Seat belt 1 · Other 1
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Hours of service No alert12 · 0 OOSFalse log 4 · Logbook / ELD paperwork 4 · Over hours limit 4
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Driver fitness 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-
Oct22025South CarolinaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median. Citation issued.
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Aug152025GeorgiaProperty damage onlyDaylight, two-way trafficway divided unprotected median. Citation issued.
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Apr242025IndianaInjury · 1 person hurtDaylight, one-way trafficway not divided.
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Apr72025KentuckyInjury · 2 people hurtDaylight, two-way trafficway divided positive barrier.
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Jan42025PennsylvaniaInjury · 1 person hurtSnow road, daylight, blowing sand soil dirt or snow, two-way trafficway divided unprotected median.
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Oct142024IllinoisInjury · 2 people hurtWet road, dark - lighted, two-way trafficway divided positive barrier. FMCSA: not preventable.
5 of the 6 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 · American Inter-Fidelity Exchangeon record since Oct 1, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Jun 19931 other liability filing also on file
- Cargo filing
- on file · American Inter-Fidelity Exchange since Jul 1, 2004
- Broker or forwarder bond
- $75,000 trust fund (BMC-85) · Pacific Financial Association, Inc since Sep 30, 2026
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 Aug 18, 1992)
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
30 filings and 5 authority events since 1987 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
30 filings and 5 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 1, 2026American Inter-Fidelity ExchangeLiability · $1,000,000 · on fileFMCSA's new system
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Sep 30, 2026Pacific Financial Association, IncBroker trust fund (BMC-85) · on file · on fileFMCSA's new system
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Oct 1, 2025American Inter-Fidelity ExchangeLiability · $1,000,000 · on fileFMCSA's new system
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Oct 1, 2024AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Oct 1, 2025 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2023AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Oct 1, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2022AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Oct 1, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2022AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Oct 1, 2022 · replaced by the same insurer (renewal)a cancellation notice effective Oct 30, 2022 came after the replacement; 3 months in forceL&I to May 14, 2026
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Jul 1, 2021AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2022 · superseded by the same policy12 months in forceL&I to May 14, 2026
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Jul 1, 2020AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2021 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2019AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2020 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2018AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2019 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2017AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2018 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2016AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2017 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jun 6, 2016FMCSA revocation notice for the operating authority, dropped Jun 29, 2016opened after AMERICAN INTER-FIDELITY EXCHANGE filed a cancellation notice (effective Jul 1, 2016)L&I to May 14, 2026
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Jul 1, 2015AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2016 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 1, 2014AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2015 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2013American Inter-Fidelity ExchangeBroker bond (BMC-84) · ended Sep 30, 2026 · replaced156 months in forceFMCSA's new system
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Jun 30, 2013AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jul 1, 2014 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jun 30, 2012AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jun 30, 2013 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2011AMERICAN INTER-FIDELITY EXCHANGELiability · $1,000,000 · ended Jun 30, 2012 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jul 1, 2004American Inter-Fidelity ExchangeCargo · on file · on fileFMCSA's new system
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Mar 1, 2003FIREMAN'S FUND INSURANCE CO.Cargo · ended Mar 1, 2005 · cancellation notice took effect24 months in forceL&I to May 14, 2026
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Mar 1, 2003FIREMAN'S FUND INSURANCE CO.Cargo · ended Feb 12, 2005 · cancellation notice took effect23 months in forceL&I to May 14, 2026
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Dec 6, 2000AMERICAN INTER-FIDELITY EXCHANGECargo · ended Mar 1, 2003 · replaced by another insurer27 months in forceL&I to May 14, 2026
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Jul 1, 1999FMCSA revocation notice for the operating authority, dropped Jul 22, 1999cause not stated in FMCSA's older recordsL&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
- Ohio 13
- Missouri 11
- Kansas 10
- Texas 10
- Georgia 9
- Indiana (HQ) 9
- Illinois 4
- South Carolina 4
11% 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 (67 power units: 67 filed, 54 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
2.2
Actual, per year in window
2.0
Projected, next 12 mo
2.4
0
1.5
3
We'd expect a typical fleet of 67 power units this active to have about 2.2 crashes a year. This motor carrier recorded 6 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.0 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 2.4 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.
Fatal-crash risk: about 6% 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:
77 inspections
and 6 crashes.
The FMCSA record tables now hold 79 inspections and 6 crashes in that window — the SMS data moved after this grade was computed.
Confidence: Moderate · Z = 0.45
Satisfactory — 1.06x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.033 crashes per power-unit-year for a 67-unit for-hire fleet (pu50_99). Violations 1.13x (driver behaviour 2.58x, out-of-service 1.15x, all violations 1.01x; 77 inspections). Experience 0.94x: 3.4 decayed crashes against 3.9 expected over 36 months (credibility 0.45, a 4.66). 80% range 0.60–1.58x. 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
3.3 crashes per 100 power-unit-years
67 power units · 2.22 expected crashes a year
Violation relativity
1.13×
77 inspections in window
Crash experience
0.94×
3.4 decayed crashes vs 3.9 expected · credibility 0.45
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 1.06× (80% range 0.60–1.58×)
· band Marginal → displayed 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
79
Driver Insp
79
Driver OOS
0
Vehicle Insp
50
Vehicle OOS
19
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 15 | 3.13 | |
| HOS Compliance | 8 | 0.50 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 35 | 8.47 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JUL-25 – 31-JAN-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.