COYLE TRUCKING INC
(724) 222-1050
rich.coyle@coyletrucking.com
260 Rt 519, Eighty Four PA 15330
56
power units · all owned
33 drivers
2.9M mi/yr · ~52k per unit
Marginal
FRED Score 30.0 / 100
Moderate confidence
34 yrs history · 97 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 56
- Drivers · CDL
- 33 · 33
- Annual miles
- 2.9M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 9 | 0 | 0 | 9 |
| Tractors | 47 | 0 | 0 | 47 |
| Trailers | 109 | 0 | 0 | 109 |
Registration
- Organization
- CORPORATION
- Registered
- 09-14-1992 (34 yrs)
- MCS-150 Update
- 12-10-2024 (Address Change)
- FRED Score Date
- Nov 08, 2026
- Officer
- RICHARD COYLE
Cargo
54.0
medium risk
Metal: Sheets/Coils/Rolls
General Freight
Logs/Poles/Beams/Lumber
Building Materials
Paper Products
Construction
- 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.
Expected crash rate is about 1.7× that of similar fleets.
Similar fleets: interstate 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 1.73×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Leaning Poor. Its estimate (1.73× similar fleets) is in the Poor range, but the record isn't strong enough to be 60% sure it is above the Poor line (1.57×), so the grade stays Marginal.
Expected crashes, next 12 months
3.1 vs 1.8 for similar fleets
Likely 1–6 crashes
This motor carrier
3.1
Similar fleets
1.8
Chance of a fatal crash, next 12 months
~8%
About 1.7× similar fleets.
What's driving the grade
Crash history
betterworse
Much worse than peers. 8 crashes on the FMCSA record in 24 months (about 4 a year), including 3 with injuries; similar fleets have about 1.8 a year. The grade counts 12 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Better than peers. Unsafe-driving and hours-of-service violations 0.50× and violations 0.73× the rate expected for its inspections. Together they move its crash estimate -11%: 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 crashes3 crashes with 4 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Driver qualification1 out-of-service violation against drivers: 1 no valid CDL (Aug 2026).Ask: driver qualification files and hiring standards.
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Brakes and lightsBrakes are 32 of 79 violations (41%). Brake or light defects led to 10 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
Strengths
- Driver out-of-service rate 1.0% vs 6.7% national.
- No FMCSA BASIC alerts.
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
8
0 fatalities · 4 injuries · 0 tow-aways
Inspections
97
55% clean (no violations)
Vehicle out-of-service
27.3%
18 of 66
National avg 22.3%
Driver out-of-service
1.0%
1 of 97
National avg 6.7%
Violations
79
23 out-of-service
Inspected more often than interstate fleets of 50–99 trucks in Pennsylvania (about 53 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
vs 4,136 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.080 | 0.026 |
| Inspections | 1.21 | 0.97 |
| Violations | 0.71 | 0.57 |
| Critical violations | 0.12 | 0.12 |
Yearly rates from the last 24 months. Peers: interstate fleets, 50–99 power units, medium-risk cargo.
What they get cited for
79 violations · 24 months-
Vehicle maintenance No alert70 · 22 OOSBrakes 32 · Lights 13 · Cargo securement 8 · Tires 5 · Steering & suspension 3 · 9 more
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Unsafe driving No alert5 · 0 OOSSpeeding 4 · Seat belt 1
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Hours of service No alert3 · 0 OOSLogbook / ELD paperwork 2 · False log 1
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Driver fitness No alert1 · 1 OOSNo valid CDL 1
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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-
Jul232026PennsylvaniaInjury · 2 people hurtDaylight.
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Jul82026VirginiaProperty damage onlyDaylight, two-way trafficway divided unprotected median. Citation issued.
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Jun122026MarylandProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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May202026IndianaProperty damage onlyDaylight.
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Apr172026MarylandProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Feb172026VirginiaProperty damage onlyDaylight, two-way trafficway divided unprotected median. Citation issued.
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Jan292026MarylandInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median. Citation issued.
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Dec292025North CarolinaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
3 of the 8 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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$750,000 · MS TRANSVERSE INSURANCE COMPANYon record since Oct 1, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Mar 1994
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- required · none on file
36 months to May 14, 2026
- 3 liability insurers on FMCSA's record, 2 changes: FALLS LAKE NATIONAL INSURANCE COMPANY → MS TRANSVERSE INSURANCE COMPANY (Oct 2024); PROTECTIVE INSURANCE CO. → FALLS LAKE NATIONAL INSURANCE COMPANY (Oct 2023)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Sep 28, 2016)
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
28 filings and 6 authority events since 1992 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
28 filings and 6 authority events since 1992 · 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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Oct 1, 2025MS TRANSVERSE INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Oct 1, 2024MS TRANSVERSE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2025 · superseded by the same policy12 months in forceL&I to May 14, 2026
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Oct 1, 2023FALLS LAKE NATIONAL INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2024 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2021PROTECTIVE INSURANCE CO.Liability · $750,000 · ended Oct 1, 2023 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Oct 1, 2016PROTECTIVE INSURANCE CO.Liability · $750,000 · ended Oct 1, 2021 · replaced by the same insurer (renewal)60 months in forceL&I to May 14, 2026
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Sep 6, 2016FMCSA revocation notice for the operating authority, dropped Sep 28, 2016opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Oct 1, 2016)L&I to May 14, 2026
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Oct 1, 2015THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $750,000 · ended Oct 1, 2016 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 4, 2015FMCSA revocation notice for the operating authority, dropped Oct 1, 2015opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Oct 1, 2015)L&I to May 14, 2026
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Oct 1, 2014THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $750,000 · ended Oct 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 17, 2013Broker authority revoked (cause not stated)L&I to May 14, 2026
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Oct 1, 2013PROTECTIVE INSURANCE CO.Liability · $750,000 · ended Oct 1, 2014 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2011NORTHLAND INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2013 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Oct 1, 2010CONTINENTAL WESTERN INSURANCE CO.Cargo · ended Jun 26, 2020 · cancellation notice took effect117 months in forceL&I to May 14, 2026
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Oct 1, 2010CONTINENTAL WESTERN INSURANCE CO.Liability · $750,000 · ended Oct 1, 2011 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2009UNION INSURANCE CO.Cargo · ended Oct 1, 2010 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2007FIREMEN'S INSURANCE CO. OF WASHINGTON DCLiability · $750,000 · ended Oct 1, 2010 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Nov 6, 2006HARTFORD FIRE INSURANCE COMPANYCargo · ended Oct 1, 2009 · replaced by another insurer35 months in forceL&I to May 14, 2026
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Jul 28, 2006Broker authority grantedL&I to May 14, 2026
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Jul 24, 2006PACIFIC FINANCIAL ASSOCIATION, INC.Broker trust fund (BMC-85) · ended Oct 11, 2013 · cancellation notice took effect87 months in forceL&I to May 14, 2026
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Nov 16, 2005FMCSA revocation notice for the operating authority, dropped Nov 29, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 1, 2005HARLEYSVILLE MUTUAL INSURANCE CO.Cargo · ended Nov 6, 2006 · replaced by another insurer19 months in forceL&I to May 14, 2026
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Jun 1, 2004UNITED STATES FIRE INSURANCE CO.Liability · $750,000 · ended Oct 1, 2007 · replaced by another insurera cancellation notice effective Oct 28, 2007 came after the replacement; 40 months in forceL&I to May 14, 2026
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Jun 1, 2003NORTHLAND INSURANCE COMPANYLiability · $1,000,000 · ended Jun 1, 2004 · replaced by another insurera cancellation notice effective Jul 1, 2004 came after the replacement; 12 months in forceL&I to May 14, 2026
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Apr 1, 2002NATIONAL CASUALTY COMPANYLiability · $1,000,000 · ended Jun 1, 2003 · cancellation notice took effect14 months in forceL&I to May 14, 2026
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Apr 1, 2001HARLEYSVILLE MUTUAL INSURANCE CO.Cargo · ended Apr 1, 2005 · replaced by the same insurer (renewal)a cancellation notice effective Jul 6, 2005 came after the replacement; 48 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
Loading map data…
Inspections by state
- Maryland 34
- Pennsylvania (HQ) 21
- North Carolina 14
- South Carolina 7
- Virginia 6
- Ohio 3
- Texas 3
- Tennessee 2
22% 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 (56 power units: 56 filed, 42 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
1.8
Actual, per year in window
4.0
Projected, next 12 mo
3.1
0
2.25
4.5
We'd expect a typical fleet of 56 power units this active to have about 1.8 crashes a year. This motor carrier recorded 12 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 4.0 a year) — about 2.2× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 3.1 over the next 12 — about 1.7× the typical fleet. 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 8% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.7× that of similar fleets (likelihood of at least one fatal crash, from its exposure and safety profile).
Track Record Used
Crashes Oct 1, 2023 → Sep 30, 2026 · inspections Nov 1, 2024 → Oct 31, 2026 · data as of Nov 4, 2026
Inside that window:
92 inspections
and 12 crashes.
The FMCSA record tables now hold 92 inspections and 8 crashes in that window — the SMS data moved after this grade was computed.
Outside the scoring window
on the FMCSA record · not in this grade
Aged out — crashes before Oct 1, 2023, inspections before Nov 1, 2024
- Out-of-service inspection Oct 15, 2024 · NC · level 2 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Oct 14, 2024 · MD · level 1 · 1 vehicle OOS · 3 violations
- 3 further inspections with no out-of-service result
Confidence: Moderate · Z = 0.49
Marginal — 1.73x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.032 crashes per power-unit-year for a 56-unit for-hire fleet (pu50_99). Violations 0.89x (driver behaviour 0.50x, out-of-service 0.86x, all violations 0.73x; 92 inspections). Experience 1.94x: 7.1 decayed crashes against 2.4 expected over 36 months (credibility 0.49, a 2.52). 80% range 1.04–2.50x. Last change: older crashes rolling off.
Since the previous weekly run the risk relativity moved -3.0%, driven by older crashes rolling off the 36-month ramp.
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
3.2 crashes per 100 power-unit-years
56 power units · 1.78 expected crashes a year
Violation relativity
0.89×
92 inspections in window
Crash experience
1.94×
7.1 decayed crashes vs 2.4 expected · credibility 0.49
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 1.73× (80% range 1.04–2.50×)
· band Poor → displayed Marginal
· 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
97
Driver Insp
97
Driver OOS
1
Vehicle Insp
66
Vehicle OOS
18
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 5 | 1.26 | |
| HOS Compliance | 3 | 0.16 | |
| Driver Fitness | 1 | 0.16 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 37 | 4.99 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JUN-26 – 31-DEC-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.