SMART FINGERZ LLC
FMCSA Live Status
Fleet & equipment
- Power units
- 1
- Drivers · CDL
- 2 · 0
- Annual miles
- 30k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 1 | 0 | 0 | 1 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Registered
- 02-27-2023 (3 yrs)
- MCS-150 Update
- 12-10-2025
- FRED Score Date
- Nov 08, 2026
- Officer
- MONDAY AYEWA
Cargo
- High-Risk Cargo
- 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.
Not graded: operating authority revoked since Jan 13, 2026 (Revoked) with no roadside inspection or crash recorded since, and no active authority on file. Graded again once it is seen operating or the authority is reinstated; referral.
Worth a closer look
From the FMCSA record.
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Drivers put out of service4 out-of-service violations against drivers: 2 hours of service, 2 no valid CDL (Jul 2025).Ask: driver supervision and dispatch practices.
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Falsified logs2 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
- No reportable crashes in 24 months.
Track record
Inspected more often than interstate fleets of 1 truck in Washington (about 2 in 24 months would be typical; 41% of them had none).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.055 |
| Inspections | 6.50 | 2.38 |
| Violations | 4.50 | 2.14 |
| Critical violations | 3.00 | 0.42 |
Yearly rates from the last 24 months. Peers: interstate fleets, Owner-Operator power units, medium-risk cargo.
What they get cited for
9 violations · 24 months-
Vehicle maintenance No alert5 · 1 OOSCargo securement 2 · Tires 2 · Lights 1
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Hours of service No alert2 · 2 OOSFalse log 2
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Driver fitness No alert2 · 2 OOSNo valid CDL 2
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Unsafe driving 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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No liability filing on FMCSA's record through May 14, 2026.Last filing: UNITED FINANCIAL CASUALTY COMPANY, ended Jan 7, 2026 (cancellation notice took effect).
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 2 liability insurers on FMCSA's record, 2 changes: PROTECTIVE SPECIALTY INSURANCE CO → UNITED FINANCIAL CASUALTY COMPANY (Mar 2024); UNITED FINANCIAL CASUALTY COMPANY → PROTECTIVE SPECIALTY INSURANCE CO (Dec 2023)
- 2 cancellation notices filed by insurers; 1 took effect (the last Jan 7, 2026, not replaced on FMCSA's record); 1 replaced before it took effect
Operating authority inactive (FMCSA's L&I record of May 14, 2026, status since Jan 13, 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
5 filings and 2 authority events since 2023 · 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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Jan 13, 2026Operating authority revoked (cause not stated)L&I to May 14, 2026
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Mar 29, 2024UNITED FINANCIAL CASUALTY COMPANYLiability · $750,000 · ended Jan 7, 2026 · cancellation notice took effect21 months in forceL&I to May 14, 2026
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Dec 15, 2023PROTECTIVE SPECIALTY INSURANCE COLiability · $300,000 · ended Mar 29, 2024 · replaced by another insurer3 months in forceL&I to May 14, 2026
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Dec 11, 2023UNITED FINANCIAL CASUALTY COMPANYLiability · $1,000,000 · ended Dec 15, 2023 · replaced by another insurerL&I to May 14, 2026
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Jul 7, 2023UNITED FINANCIAL CASUALTY COMPANYLiability · $1,000,000 · ended Dec 11, 2023 · superseded by the same policya cancellation notice effective Dec 15, 2023 came after the replacement; 5 months in forceL&I to May 14, 2026
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Mar 17, 2023Operating authority grantedL&I to May 14, 2026
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Mar 8, 2023UNITED FINANCIAL CASUALTY COMPANYLiability · $300,000 · ended Jul 7, 2023 · superseded by the same policy4 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
- California 3
- Arkansas 1
- Arizona 1
- Florida 1
- Illinois 1
- North Carolina 1
How this grade is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
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 | 2 | 2.25 | |
| Driver Fitness | 2 | 2.50 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 3 | 4.66 |
SMS record data is sourced from FMCSA's Safety Measurement System (03-APR-25 – 24-JUL-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.