TERRY'S TOWING INCORPORATED
(314) 645-3117
terrystowing314@yahoo.com
3650 Big Bend Ind Ct, St Louis MO 63143
14
power units · all owned
10 drivers
400k mi/yr · ~29k per unit
HazMat
Not enough record
Graded once the record supports it
34 yrs history · 17 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 14
- Drivers · CDL
- 10 · 6
- Annual miles
- 400k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 12 | 0 | 0 | 12 |
| Tractors | 2 | 0 | 0 | 2 |
| Trailers | 2 | 0 | 0 | 2 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (01-06-2012) · 14 yr old
- Registered
- 05-27-1992 (34 yrs)
- MCS-150 Update
- 03-06-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- VICKIE WRIGHT
- Officer
- TERRY WRIGHT
Cargo
73.7
high risk
Motor Vehicles
Drive/Tow Away
Machinery/Large Objects
General Freight
Other: TRAILERS
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away, Machinery Large, 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 enough record to grade yet.
17 inspections and 2 crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire 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.
80% likely range 0.54×–2.04×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
0.7 vs 0.6 for similar fleets
Likely 0–2 crashes
This motor carrier
0.7
Similar fleets
0.6
A record this thin can't pin that down: about a 1-in-4 chance it runs at Poor-level crash rates.
Ask
Loss runs for the last 3 years, and confirm the fleet is operating at its filed size (14 power units).
What the record shows
Crash history
betterworse
Higher so far, not yet proven. 2 crashes on the FMCSA record in 24 months (about 1 a year), including 1 with injuries; similar fleets have about 0.6 a year. Too few crashes to be sure, so the grade counts its crash record as about 4% above typical. The grade counts 3 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Much worse than peers. Violations 2.18×, out-of-service orders 1.73× and unsafe-driving and hours-of-service violations 1.69× the rate expected for its inspections. Together they move its crash estimate +18%.
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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Injury crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service6 out-of-service violations against drivers: 4 hours of service, 2 no valid CDL (Oct 2024 – Aug 2026).Ask: driver supervision and dispatch practices.
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Lights and cargo securementLights are 15 of 43 violations (35%). Light or cargo securement defects led to 6 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Vehicle out-of-service rate38.5% of vehicle inspections end out of service vs 22.3% nationally (5 of 13). Across all its inspections, out-of-service orders run 1.73× what's expected for where and how it's inspected.
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Driver out-of-service rate29.4% of driver inspections end out of service vs 6.7% nationally (5 of 17). Across all its inspections, out-of-service orders run 1.73× what's expected for where and how it's inspected.
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Hazmat violations2 hazmat violations, 1 out of service.
Strengths
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 1
Track record
FMCSA record, Oct 2024 – Aug 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
2
0 fatalities · 1 injury · 0 tow-aways
Inspections
17
29% clean (no violations)
Vehicle out-of-service
38.5%
5 of 13
National avg 22.3%
Driver out-of-service
29.4%
5 of 17
National avg 6.7%
Violations
43
15 out-of-service
Inspections per quarter
With an out-of-service order
vs 1,440 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.071 | 0.026 |
| Inspections | 0.82 | 0.75 |
| Violations | 1.54 | 0.50 |
| Critical violations | 0.18 | 0.10 |
Yearly rates from the last 24 months. Peers: 10–19 power units, high-risk cargo.
What they get cited for
43 violations · 24 months-
Vehicle maintenance No alert29 · 8 OOSLights 15 · Cargo securement 4 · Brakes 2 · Other parts 8
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Unsafe driving No alert5 · 0 OOSSeat belt 3 · Reckless / lane 1 · Speeding 1
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Hours of service No alert4 · 4 OOSNo log 4
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Driver fitness No alert3 · 2 OOSNo valid CDL 2 · Medical certificate 1
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Drugs & alcohol No alert0
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Hazmat2 · 1 OOS
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-
Mar282025IllinoisProperty damage onlyDaylight, two-way trafficway divided positive barrier. Citation issued.
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Mar132025MissouriInjury · 1 person hurtDaylight, two-way trafficway divided positive barrier.
1 of the 2 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through May 14, 2026 · no change recorded by FMCSA sinceToday · live FMCSA check
Checking FMCSA…
- Last on FMCSA's record (May 14, 2026)
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$1,000,000 · TEXAS INSURANCE COMPANYon record since May 6, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Mar 2013
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to May 14, 2026
- 3 liability insurers on FMCSA's record, 2 changes: PROGRESSIVE CASUALTY INSURANCE COMPANY → TEXAS INSURANCE COMPANY (Feb 2026); AMGUARD INSURANCE COMPANY → PROGRESSIVE CASUALTY INSURANCE COMPANY (Sep 2025)
- 3 cancellation notices filed by insurers; 1 took effect (the last Sep 15, 2025, replaced the same day); 2 replaced before they took effect
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notices resolved in time: 2
Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 7, 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
22 filings and 17 authority events since 2012 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
22 filings and 17 authority events since 2012 · 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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May 6, 2026TEXAS INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Apr 14, 2026FMCSA revocation notice for the operating authority, dropped May 7, 2026opened after TEXAS INSURANCE COMPANY filed a cancellation notice (effective Apr 24, 2026)L&I to May 14, 2026
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Mar 27, 2026TEXAS INSURANCE COMPANYLiability · $1,000,000 · ended May 6, 2026 · superseded by the same policya cancellation notice effective May 11, 2026 came after the replacement; 1 month in forceL&I to May 14, 2026
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Feb 10, 2026TEXAS INSURANCE COMPANYLiability · $1,000,000 · ended Mar 27, 2026 · superseded by the same policya cancellation notice effective Apr 24, 2026 came after the replacement; 1 month in forceL&I to May 14, 2026
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Sep 15, 2025PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $1,000,000 · ended Feb 10, 2026 · replaced by another insurer5 months in forceL&I to May 14, 2026
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Aug 19, 2025FMCSA revocation notice for the operating authority, dropped Sep 15, 2025opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Sep 15, 2025)L&I to May 14, 2026
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Sep 15, 2024AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 15, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 15, 2023AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 15, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Sep 15, 2022AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Sep 15, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Sep 15, 2019AMERICAN GUARANTEE & LIABILITY INS. CO.Liability · $1,000,000 · ended Sep 15, 2022 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Sep 15, 2017AMERICAN GUARANTEE & LIABILITY INS. CO.Liability · $1,000,000 · ended Sep 15, 2019 · replaced by the same insurer (renewal)24 months in forceL&I to May 14, 2026
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Jan 5, 2017CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Sep 15, 2017 · replaced by another insurer8 months in forceL&I to May 14, 2026
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Dec 9, 2016FMCSA revocation notice for the operating authority, dropped Jan 4, 2017opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Jan 5, 2017)L&I to May 14, 2026
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Sep 13, 2016CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Jan 5, 2017 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Sep 12, 2016FMCSA revocation notice for the operating authority, dropped Sep 15, 2016opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Oct 7, 2016)L&I to May 14, 2026
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Jun 13, 2016CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Sep 13, 2016 · superseded by the same policya cancellation notice effective Oct 7, 2016 came after the replacement; 3 months in forceL&I to May 14, 2026
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Jun 10, 2016FMCSA revocation notice for the operating authority, dropped Jun 14, 2016opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Jul 7, 2016)L&I to May 14, 2026
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Jan 5, 2016CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Jun 13, 2016 · superseded by the same policya cancellation notice effective Jul 7, 2016 came after the replacement; 5 months in forceL&I to May 14, 2026
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Dec 9, 2015FMCSA revocation notice for the operating authority, dropped Jan 6, 2016opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Jan 5, 2016)L&I to May 14, 2026
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Aug 17, 2015CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Jan 5, 2016 · cancellation notice took effect5 months in forceL&I to May 14, 2026
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Aug 10, 2015FMCSA revocation notice for the operating authority, dropped Aug 18, 2015opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Sep 6, 2015)L&I to May 14, 2026
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May 12, 2015CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended Aug 17, 2015 · superseded by the same policya cancellation notice effective Sep 6, 2015 came after the replacement; 3 months in forceL&I to May 14, 2026
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May 11, 2015FMCSA revocation notice for the operating authority, dropped May 13, 2015opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Jun 6, 2015)L&I to May 14, 2026
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Jan 5, 2015CONSUMERS INSURANCE USA, INC.Liability · $1,000,000 · ended May 12, 2015 · superseded by the same policya cancellation notice effective Jun 6, 2015 came after the replacement; 4 months in forceL&I to May 14, 2026
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Dec 9, 2014FMCSA revocation notice for the operating authority, dropped Dec 24, 2014opened after CONSUMERS INSURANCE USA, INC. filed a cancellation notice (effective Jan 5, 2015)L&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
- Missouri (HQ) 11
- Illinois 3
- Kentucky 1
- Oklahoma 1
- Texas 1
How the estimate is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
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 (14 power units: 14 filed, 13 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.6
Actual, per year in window
1.0
Projected, next 12 mo
0.7
0
0.75
1.5
We'd expect a typical fleet of 14 power units this active to have about 0.6 crashes a year. This motor carrier recorded 3 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.0 a year) — about 1.7× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.7 over the next 12 — about 1.2× the typical fleet. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.4× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 2% 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:
16 inspections
and 3 crashes.
The FMCSA record tables now hold 17 inspections and 2 crashes in that window — the SMS data moved after this grade was computed.
Why there is no grade.
Every grade but Satisfactory needs at least a 60% posterior past its cut; Satisfactory is what is left when none
passes. Here the 80% likely range (0.54×–2.04×)
still runs from below the Excellent cut (0.60×) to above the Poor cut (1.57×), so the record can't
separate a best-in-class fleet from a poor one and the page shows no grade and no FRED Score. The forecasts are
unchanged: in backtests, records this thin crash at their forecast on average but scatter about 2.6× as
widely around it as records that support a Satisfactory grade.
Confidence: Low · Z = 0.26
Satisfactory — 1.22x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.042 crashes per power-unit-year for a 14-unit for-hire fleet (pu10_19). Violations 1.18x (driver behaviour 1.69x, out-of-service 1.73x, all violations 2.18x; 16 inspections). Experience 1.04x: 1.2 decayed crashes against 1.1 expected over 36 months (credibility 0.26, a 3.01). 80% range 0.54–2.04x. Last change: no change since the last run.
No change since the previous weekly run.
Scoring flags
Thin record (low credibility: little exposure behind the grade)
(informational — no grade effect)
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
4.2 crashes per 100 power-unit-years
14 power units · 0.59 expected crashes a year
Violation relativity
1.18×
16 inspections in window
Crash experience
1.04×
1.2 decayed crashes vs 1.1 expected · credibility 0.26
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 1.22× (80% range 0.54–2.04×)
· 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
17
Driver Insp
17
Driver OOS
5
Vehicle Insp
13
Vehicle OOS
5
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 2 | 3.20 | |
| HOS Compliance | 4 | 1.12 | |
| Driver Fitness | 2 | 1.68 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 8 | 10.14 |
SMS record data is sourced from FMCSA's Safety Measurement System (06-NOV-24 – 30-OCT-24) 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.