MICHAEL R GARDNER INC
DBA: GARDNER TRUCKING
FMCSA Live Status
Fleet & equipment
- Power units
- 2
- Drivers · CDL
- 3 · 3
- Annual miles
- 85k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 2 | 0 | 0 | 2 |
| Trailers | 4 | 0 | 0 | 4 |
Registration
- Cargo Operation
- Interstate
- Scope
- Interstate (Within 100 miles)
- Registered
- 05-05-1995 (31 yrs)
- MCS-150 Update
- 10-10-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- JANET GARDNER
Cargo
- High-Risk Cargo
- Motor Vehicles, 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.
Fleets under 10 power units are graded against their size cohort (pu2_5) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.
Too little record to tell how this motor carrier's crash rate compares with similar fleets.
Similar fleets: intrastate fleets of 2–5 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.
- Nothing on the FMCSA record stands out.
- No reportable crashes in 24 months.
- Driver out-of-service rate 0.0% vs 8.5% for intrastate motor carriers.
- No FMCSA BASIC alerts.
Track record
Intrastate fleets of 2–5 trucks in New York are rarely inspected: under 1 inspection would be typical in 24 months for a fleet this size; 77% of them had none.
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.020 |
| Inspections | 2.75 | 0.64 |
| Violations | 0.50 | 0.87 |
| Critical violations | 0.00 | 0.12 |
Yearly rates from the last 24 months. Peers: intrastate fleets, Small (advisory) power units, medium-risk cargo.
What they get cited for
2 violations · 24 months-
Vehicle maintenance No alert2 · 0 OOSBrakes 1 · Lights 1
-
Unsafe driving No alert0
-
Hours of service No alert0
-
Driver fitness No alert0
-
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)
-
$750,000 · ERIE INSURANCE COMPANYon record since Jun 5, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Apr 1995
- Cargo filing
- on file · ERIE INSURANCE COMPANY since Jun 5, 2025
- 2 liability insurers on FMCSA's record, 1 change: UNITED FINANCIAL CASUALTY COMPANY → ERIE INSURANCE COMPANY (Jun 2025)
- 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 L&I record of May 14, 2026, status since Sep 25, 2007)
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
19 filings and 8 authority events since 1995 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
Jun 5, 2025ERIE INSURANCE COMPANYCargo · on file · on fileL&I to May 14, 2026
-
Jun 5, 2025ERIE INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
-
Mar 19, 2022GENERAL INSURANCE COMPANY OF AMERICACargo · ended Jun 5, 2025 · replaced by another insurer39 months in forceL&I to May 14, 2026
-
Oct 25, 2013UNITED FINANCIAL CASUALTY COMPANYLiability · $1,000,000 · ended Jun 5, 2025 · replaced by another insurera cancellation notice effective Aug 11, 2025 came after the replacement; 139 months in forceL&I to May 14, 2026
-
Sep 19, 2007ACADIA INSURANCE COMPANYCargo · ended Mar 19, 2022 · replaced by another insurer174 months in forceL&I to May 14, 2026
-
Sep 19, 2007PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $1,000,000 · ended Oct 25, 2013 · cancellation notice took effect73 months in forceL&I to May 14, 2026
-
Aug 23, 2007FMCSA revocation notice for the operating authority, dropped Sep 25, 2007opened after LINCOLN GENERAL INSURANCE COMPANY filed a cancellation notice (effective Sep 19, 2007)L&I to May 14, 2026
-
Sep 19, 2006LINCOLN GENERAL INSURANCE COMPANYLiability · $750,000 · ended Sep 19, 2007 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Aug 23, 2006FMCSA revocation notice for the operating authority, dropped Sep 18, 2006opened after LINCOLN GENERAL INSURANCE COMPANY filed a cancellation notice (effective Sep 19, 2006)L&I to May 14, 2026
-
Nov 22, 2005FMCSA revocation notice for the operating authority, dropped Nov 30, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Sep 19, 2005LINCOLN GENERAL INSURANCE COMPANYLiability · $1,000,000 · ended Sep 19, 2006 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Aug 23, 2005FMCSA revocation notice for the operating authority, dropped Sep 19, 2005opened after LANCER INSURANCE COMPANY filed a cancellation notice (effective Sep 19, 2005)L&I to May 14, 2026
-
Sep 19, 2004LANCER INSURANCE COMPANYLiability · $1,000,000 · ended Sep 19, 2005 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Sep 19, 2002HARTFORD FIRE INSURANCE COMPANYCargo · ended Sep 19, 2007 · replaced by another insurer60 months in forceL&I to May 14, 2026
-
Sep 19, 2002NORTHLAND INSURANCE COMPANYLiability · $1,000,000 · ended Sep 19, 2004 · replaced by another insurera cancellation notice effective Oct 20, 2004 came after the replacement; 24 months in forceL&I to May 14, 2026
-
Jun 30, 2002FIREMAN'S FUND INSURANCE CO.Cargo · ended Sep 19, 2002 · replaced by another insurer3 months in forceL&I to May 14, 2026
-
Sep 19, 2001GENERAL SECURITY INSURANCE COMPANYLiability · $1,000,000 · ended Sep 19, 2002 · replaced by another insurera cancellation notice effective Oct 12, 2002 came after the replacement; 12 months in forceL&I to May 14, 2026
-
Sep 19, 1999ASSOCIATES INSURANCE COMPANYLiability · $1,000,000 · ended Sep 19, 2001 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Sep 22, 1997Operating authority reinstatedL&I to May 14, 2026
-
Jun 30, 1997TRAVELERS PROPERTY CASUALTY CO. OF AMERICACargo · ended Jun 30, 2002 · replaced by another insurer60 months in forceL&I to May 14, 2026
-
May 16, 1997Operating authority revoked (cause not stated)L&I to May 14, 2026
-
Sep 19, 1996EMPIRE FIRE & MARINE INSURANCE CO.Liability · $1,000,000 · ended Sep 19, 1999 · replaced by another insurer36 months in forceL&I to May 14, 2026
-
Sep 19, 1995EMPIRE FIRE & MARINE INSURANCE CO.Liability · $1,000,000 · ended Feb 28, 1997 · insurer name change17 months in forceL&I to May 14, 2026
-
Sep 19, 1995FMCSA revocation notice for the operating authority, dropped Oct 13, 1995opened after THE INSURANCE COMPANY OF NORTH AMERICA filed a cancellation notice (effective Sep 19, 1995)L&I to May 14, 2026
-
Jun 22, 1995Operating 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
- New York (HQ) 10
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 (3 power units: 2 filed, 3 seen roadside in 24 months).
We'd expect a typical fleet of 3 power units this active to have about 0.1 crashes a year (sized from the 3 units seen roadside; 2 filed). This motor carrier recorded 0 in its scoring window (Sep 1, 2023 → Aug 31, 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 0.0 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
C Property| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 2 | 0.72 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-NOV-24 – 25-NOV-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.