STUART'S AUTOMOTIVE INC
FMCSA Live Status
Fleet & equipment
- Power units
- 10
- Drivers · CDL
- 10 · 0
- Annual miles
- 75k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 10 | 0 | 0 | 10 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Organization
- INDIVIDUAL
- Registered
- 02-27-1992 (34 yrs)
- MCS-150 Update
- 11-14-2025 (Biennial Update)
- FRED Score Date
- Nov 08, 2026
- Officer
- KEVIN STUART
- Officer
- KENNETH STUART
Cargo
- High-Risk Cargo
- Motor Vehicles
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
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).
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 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.
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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Little roadside historyOnly 4 inspections in 24 months for 10 power units, where interstate fleets of 10–19 trucks in Massachusetts average about 8; the record says little either way.Ask: confirm the fleet is operating at the filed size (the MCS-150 was last updated Nov 2025).
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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.
Track record
Inspected less often than interstate fleets of 10–19 trucks in Massachusetts (about 8 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.028 |
| Inspections | 0.35 | 0.80 |
| Violations | 0.15 | 0.56 |
| Critical violations | 0.05 | 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-
Vehicle maintenance No alert2 · 0 OOSLights 1 · Other parts 1
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Unsafe driving No alert1 · 0 OOSSeat belt 1
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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
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 · SAFETY INSURANCE CO.on record since Jan 22, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Apr 2015
- 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, 1 change: THE COMMERCE INSURANCE COMPANY → SAFETY INSURANCE CO. (Jan 2025)
- 2 cancellation notices filed by insurers, each replaced before it took effect
- No gap in filed liability coverage while liability was required
- FMCSA notices resolved in time: 2
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Jan 23, 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
15 filings and 12 authority events since 2010 · 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 22, 2026SAFETY INSURANCE CO.Liability · $1,000,000 · on fileL&I to May 14, 2026
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Jan 12, 2026FMCSA revocation notice for the operating authority, dropped Jan 23, 2026opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Feb 8, 2026)L&I to May 14, 2026
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Nov 17, 2025SAFETY INSURANCE CO.Liability · $1,000,000 · ended Jan 22, 2026 · superseded by the same policya cancellation notice effective Feb 8, 2026 came after the replacement; 2 months in forceL&I to May 14, 2026
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Nov 10, 2025FMCSA revocation notice for the operating authority, dropped Nov 18, 2025opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Dec 6, 2025)L&I to May 14, 2026
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Jan 1, 2025SAFETY INSURANCE CO.Liability · $1,000,000 · ended Nov 17, 2025 · superseded by the same policya cancellation notice effective Dec 6, 2025 came after the replacement; 11 months in forceL&I to May 14, 2026
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Feb 14, 2020FMCSA revocation notice for the operating authority, dropped Feb 19, 2020opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Mar 12, 2020)L&I to May 14, 2026
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Jan 1, 2020THE COMMERCE INSURANCE COMPANYLiability · $1,000,000 · ended Jan 1, 2025 · replaced by another insurer60 months in forceL&I to May 14, 2026
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Sep 6, 2019SAFETY INSURANCE CO.Liability · $1,000,000 · ended Jan 1, 2020 · replaced by another insurera cancellation notice effective Mar 12, 2020 came after the replacement; 4 months in forceL&I to May 14, 2026
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Aug 19, 2019FMCSA revocation notice for the operating authority, dropped Sep 9, 2019opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Sep 14, 2019)L&I to May 14, 2026
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Jul 9, 2019SAFETY INSURANCE CO.Liability · $1,000,000 · ended Sep 6, 2019 · superseded by the same policya cancellation notice effective Sep 14, 2019 came after the replacement; 2 months in forceL&I to May 14, 2026
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Jun 18, 2019FMCSA revocation notice for the operating authority, dropped Jul 10, 2019opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Jul 15, 2019)L&I to May 14, 2026
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Jun 4, 2018SAFETY INSURANCE CO.Liability · $1,000,000 · ended Jul 9, 2019 · superseded by the same policya cancellation notice effective Jul 15, 2019 came after the replacement; 13 months in forceL&I to May 14, 2026
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May 21, 2018FMCSA revocation notice for the operating authority, dropped Jun 5, 2018opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Jun 15, 2018)L&I to May 14, 2026
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Oct 4, 2017SAFETY INSURANCE CO.Liability · $1,000,000 · ended Jun 4, 2018 · superseded by the same policya cancellation notice effective Jun 15, 2018 came after the replacement; 8 months in forceL&I to May 14, 2026
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Sep 18, 2017FMCSA revocation notice for the operating authority, dropped Oct 5, 2017opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Oct 14, 2017)L&I to May 14, 2026
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Sep 1, 2016SAFETY INSURANCE CO.Liability · $1,000,000 · ended Oct 4, 2017 · superseded by the same policya cancellation notice effective Oct 14, 2017 came after the replacement; 13 months in forceL&I to May 14, 2026
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Aug 19, 2016FMCSA revocation notice for the operating authority, dropped Sep 2, 2016opened after SAFETY INSURANCE CO. filed a cancellation notice (effective Sep 15, 2016)L&I to May 14, 2026
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May 4, 2016SAFETY INSURANCE CO.Liability · $1,000,000 · ended Sep 1, 2016 · superseded by the same policya cancellation notice effective Sep 15, 2016 came after the replacement; 4 months in forceL&I to May 14, 2026
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Apr 18, 2016FMCSA revocation notice for the operating authority, dropped May 5, 2016opened after SAFETY INSURANCE CO. filed a cancellation notice (effective May 14, 2016)L&I to May 14, 2026
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Apr 23, 2015Operating authority reinstatedL&I to May 14, 2026
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Apr 16, 2015SAFETY INSURANCE CO.Liability · $1,000,000 · ended May 4, 2016 · superseded by the same policya cancellation notice effective May 14, 2016 came after the replacement; 13 months in forceL&I to May 14, 2026
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Jan 1, 2015UNIVERSAL UNDERWRITERS INSURANCE CO.Liability · $1,000,000 · ended Mar 7, 2015 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Dec 8, 2014Operating authority revoked (cause not stated)L&I to May 14, 2026
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Jan 13, 2011Operating authority grantedL&I to May 14, 2026
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Jan 6, 2011UNIVERSAL UNDERWRITERS INSURANCE CO.Cargo · ended Nov 28, 2013 · cancellation notice took effect35 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
- Massachusetts (HQ) 2
- Connecticut 1
- New Hampshire 1
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 (10 power units: 10 filed, 4 seen roadside in 24 months).
We'd expect a typical fleet of 10 power units this active to have about 0.2 crashes a year. This motor carrier recorded 0 in its scoring window (Oct 1, 2023 → Sep 30, 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 — below a typical fleet.
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 | 2.17 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 1 | 1.80 |
SMS record data is sourced from FMCSA's Safety Measurement System (02-APR-25 – 30-MAR-26) 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.