ELGIN MOTOR FREIGHT INC
FMCSA Live Status
Fleet & equipment
- Power units
- 266
- Drivers · CDL
- 256 · 256
- Annual miles
- 19.7M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 1 | 0 | 0 | 1 |
| Tractors | 265 | 0 | 0 | 265 |
| Trailers | 300 | 0 | 0 | 300 |
Registration
- Organization
- CORPORATION
- Registered
- 12-05-1991 (35 yrs)
- MCS-150 Update
- 03-06-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- JIM PEEPLES
Cargo
- High-Risk Cargo
- Motor Vehicles, Mobile Homes, Machinery Large, General Freight, Household Goods, 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.
Its risk relativity (0.66× similar fleets) would put it in Strong; this rule holds it at Satisfactory:
- Held one band lower (interim): the filed fleet isn't corroborated roadside — see Exposure Unverified below
The downside is never capped.
The expected crashes behind this grade assume the filed fleet of 266 power units is real, but the roadside record corroborates little of it — 61 units seen in 24 months, 0.15 inspections per filed unit-year. The grade's relativity to class is unchanged; its confidence tier is cut to reflect the unverified exposure, and until the fleet is confirmed an Excellent grade shows as Strong and a Strong as Satisfactory. Verify the fleet size before relying on the crash expectation.
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: interstate fleets of 200–499 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.
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New since the grade was set1 crash after Aug 31, 2026. Not in the grade yet.
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Injury crashes3 crashes with 3 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Unsafe drivingCited 4 for speeding 15+ mph over or in a work zone and 2 for phone use.Ask: telematics, speed governance and phone policy.
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Hazmat violations2 hazmat violations.
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Filed fleet not seen on the roadOnly 61 of the 266 filed power units were seen at a roadside inspection in 24 months (79 inspections in all). The crash expectation behind the grade assumes all 266 are running. Its grade is held one band lower until the fleet is confirmed.Ask: how many trucks are actually operating, with the vehicle schedule (the MCS-150 was last updated Mar 2025).
- Vehicle out-of-service rate 9.8% vs 22.3% national; driver 0.0% vs 6.7%.
- No FMCSA BASIC alerts.
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Dangerous driving: 6
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Canada-domiciled motor carrierDomiciled in Canada — cross-border operating rules and inspection patterns differ from US-based motor carriers.
Track record
Inspected less often than interstate fleets of 200–499 trucks nationwide (about 170 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.006 | 0.023 |
| Inspections | 0.23 | 0.77 |
| Violations | 0.10 | 0.33 |
| Critical violations | 0.02 | 0.07 |
Yearly rates from the last 24 months. Peers: interstate fleets, 200–499 power units, medium-risk cargo.
What they get cited for
51 violations · 24 months-
Vehicle maintenance No alert30 · 6 OOSLights 14 · Brakes 6 · Tires 4 · Cargo securement 3 · Wheels & hubs 1 · 2 more
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Unsafe driving No alert19 · 0 OOSReckless / lane 8 · Speeding 4 · Phone use 2 · Seat belt 2 · Other 3
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Hours of service No alert0
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Driver fitness No alert0
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Drugs & alcohol No alert0
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Hazmat2 · 0 OOS
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Sep92026New JerseyInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median.
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Jul172025OhioInjury · 1 person hurtDaylight, one-way trafficway not divided.
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May92025OhioInjury · 1 person hurtDaylight. Citation issued.
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Oct252024OhioProperty damage onlyDaylight, one-way trafficway not divided.
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Oct112024OhioProperty damage onlyDark - lighted, one-way trafficway not divided.
3 of the 5 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
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$1,000,000 · ZURICH AMERICAN INSURANCE COMPANYon record since May 1, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Dec 1992
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 1 cancellation notice filed by an insurer, replaced before it took effect
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Oct 15, 1991)
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
14 filings and 3 authority events since 1991 · 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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May 1, 2026ZURICH AMERICAN INSURANCE COMPANYLiability · $1,000,000 · on fileFMCSA's new system
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May 1, 2025ZURICH AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended May 1, 2026 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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May 1, 2024NORTHBRIDGE GENERAL INSURANCE CORPORATIONLiability · $1,000,000 · ended May 1, 2025 · superseded by the same policya cancellation notice effective May 27, 2026 came after the replacement; 12 months in forceL&I to May 14, 2026
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May 1, 2017NORTHBRIDGE GENERAL INSURANCE CORPORATIONLiability · $1,000,000 · ended May 1, 2024 · replaced by the same insurer (renewal)84 months in forceL&I to May 14, 2026
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Sep 16, 2015NORTHBRIDGE COMMERCIAL INSURANCE CORPORATIONLiability · $1,000,000 · ended May 1, 2017 · superseded by the same policy19 months in forceL&I to May 14, 2026
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Aug 17, 2015FMCSA revocation notice for the operating authority, dropped Sep 17, 2015cause not stated in FMCSA's older recordsL&I to May 14, 2026
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May 1, 2012NORTHBRIDGE COMMERCIAL INSURANCE CORPORATIONLiability · $1,000,000 · ended Sep 16, 2015 · superseded by the same policy41 months in forceL&I to May 14, 2026
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Apr 1, 2007UNITED STATES FIRE INSURANCE CO.Cargo · ended Jun 3, 2011 · cancellation notice took effect50 months in forceL&I to May 14, 2026
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Apr 1, 2007UNITED STATES FIRE INSURANCE CO.Liability · $1,000,000 · ended May 1, 2012 · replaced by another insurer61 months in forceL&I to May 14, 2026
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Nov 16, 2005FMCSA revocation notice for the operating authority, dropped Dec 2, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Feb 1, 2003RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.Cargo · ended Apr 1, 2007 · replaced by another insurer50 months in forceL&I to May 14, 2026
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Feb 1, 2003RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.Liability · $1,000,000 · ended Apr 1, 2007 · replaced by another insurer50 months in forceL&I to May 14, 2026
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Oct 31, 1996RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.Cargo · ended Feb 1, 2003 · superseded by the same policy75 months in forceL&I to May 14, 2026
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Oct 31, 1996RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.Liability · $1,000,000 · ended Feb 1, 2003 · replaced by the same insurer (renewal)75 months in forceL&I to May 14, 2026
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Dec 4, 1992TRUCK INSURANCE EXCHANGECargo · ended Oct 31, 1996 · replaced by another insurer47 months in forceL&I to May 14, 2026
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Dec 4, 1992TRUCK INSURANCE EXCHANGELiability · $1,000,000 · ended Oct 31, 1996 · replaced by another insurer47 months in forceL&I to May 14, 2026
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Oct 15, 1991Operating authority grantedL&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
- Michigan 35
- Kentucky 13
- New York 13
- Ohio 7
- Tennessee 4
- Indiana 2
- Arkansas 1
- New Jersey 1
Runs well beyond its home state: 0 of 79 inspections were in ON.
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 (266 power units: 266 filed, 61 seen roadside in 24 months).
We'd expect a typical fleet of 266 power units this active to have about 2.6 crashes a year — but only 61 of the 266 filed units were seen roadside in 24 months (0.15 inspections per filed unit-year), so this expectation assumes the filed fleet is real. This motor carrier recorded 5 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.7 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 1.7 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.
Inspections count through the end of the latest full month of FMCSA data. Crash reports reach FMCSA weeks late, so crashes wait 1 month more. Both enter the grade as the window moves forward each month.
- Crash Sep 9, 2026 · NJ · 1 injury, 0 fatalities · engine severity weight 5
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.
- Capped one band (interim): the filed fleet isn't corroborated roadside — under a quarter of it seen in 24 months and under 0.25 inspections per filed truck a year — so Excellent shows as Strong and Strong as Satisfactory until the fleet is confirmed
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 | 18 | 0.60 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 22 | 2.97 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-SEP-26 – 30-JUN-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.