HOOSIER TRANSIT INC
(574) 537-1100
tomladd1@frontier.com
19843 Us Hwy 6, New Paris IN 46553
94
power units · all leased
293 drivers
7.9M mi/yr · ~84k per unit
Excellent
FRED Score 95.2 / 100
High confidence
31 yrs history · 251 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 94
- Drivers · CDL
- 293 · 253
- Annual miles
- 7.9M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 94 | 0 | 94 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- FMCSA Rating
- Satisfactory (01-20-2012) · 14 yr old
- Registered
- 05-08-1995 (31 yrs)
- MCS-150 Update
- 05-08-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- THOMAS LADD
Cargo
73.2
high risk
Motor Vehicles
Drive/Tow Away
General Freight
Other: TRAVEL TRAILERS
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away, 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 one-third that of similar fleets.
Similar fleets: for-hire 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.
Per truck, fleets like this one are expected to crash about 1.5× as often as the median active fleet of 200–499 trucks.
This motor carrier 0.29×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
4.2 vs 14.8 for similar fleets
Likely 1–8 crashes
This motor carrier
4.2
Similar fleets
14.8
Chance of a fatal crash, next 12 months
~11%
Below similar fleets.
What's driving the grade
Crash history
betterworse
Much better than peers. 8 crashes on the FMCSA record in 24 months (about 4 a year), including 1 with injuries; similar fleets have about 15 a year. The grade counts 10 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Better than peers. Violations 0.22× and out-of-service orders 0.24× the rate expected for its inspections. Together they move its crash estimate -22%. It's inspected more often than most fleets its size.
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 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 service13 out-of-service violations against drivers: 7 hours of service, 6 no valid CDL (Oct 2024 – May 2026).Ask: driver supervision and dispatch practices.
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Lights and brakesLights are 9 of 67 violations (13%). Light or brake defects led to 6 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs4 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
Strengths
- Vehicle out-of-service rate 2.0% vs 22.3% national; driver 3.6% vs 6.7%.
- No FMCSA BASIC alerts.
- 82% of inspections found no violations.
Data flags
-
Dangerous driving: 7
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
8
0 fatalities · 1 injury · 0 tow-aways
Inspections
251
82% clean (no violations)
Vehicle out-of-service
2.0%
4 of 198
National avg 22.3%
Driver out-of-service
3.6%
9 of 251
National avg 6.7%
Violations
67
19 out-of-service
Inspections per quarter
With an out-of-service order
vs 258 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.027 | 0.026 |
| Inspections | 2.24 | 0.80 |
| Violations | 0.36 | 0.48 |
| Critical violations | 0.10 | 0.10 |
Yearly rates from the last 24 months. Peers: 50–99 power units, high-risk cargo.
What they get cited for
67 violations · 24 months-
Vehicle maintenance No alert20 · 6 OOSLights 9 · Brakes 3 · Cargo securement 1 · Other parts 7
-
Hours of service No alert19 · 7 OOSLogbook / ELD paperwork 7 · Over hours limit 5 · False log 4 · No log 3
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Unsafe driving No alert16 · 0 OOSReckless / lane 8 · Phone use 4 · Speeding 2 · Seat belt 1 · Other 1
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Driver fitness No alert12 · 6 OOSNo valid CDL 11 · Medical certificate 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-
May262026MissouriInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr252026IllinoisProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Nov302025WyomingProperty damage onlySnow road, daylight, snow, two-way trafficway divided unprotected median.
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Feb152025MissouriProperty damage onlyWet road, dark - not lighted, snow, two-way trafficway divided positive barrier.
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Nov252024PennsylvaniaProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
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Oct72024MissouriProperty damage onlyDaylight, two-way trafficway divided positive barrier.
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Oct72024MissouriProperty damage onlyDaylight, two-way trafficway divided positive barrier.
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Oct32024PennsylvaniaProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
1 of the 8 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
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$750,000 · THIRD COAST INSURANCE COMPANYon record since Nov 1, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since May 1998
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to Nov 2, 2026
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Jul 17, 1998)
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
26 filings and 13 authority events since 1995 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
26 filings and 13 authority events since 1995 · 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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Nov 1, 2026THIRD COAST INSURANCE COMPANYLiability · $750,000 · on fileFMCSA's new system
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Nov 1, 2025THIRD COAST INSURANCE COMPANYLiability · $750,000 · ended Nov 1, 2026 · replaced by the same insurer (renewal)12 months in forceFMCSA's new system
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Nov 1, 2024THIRD COAST INSURANCE COMPANYLiability · $750,000 · ended Nov 1, 2025 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2023THIRD COAST INSURANCE COMPANYLiability · $750,000 · ended Nov 1, 2024 · replaced by the same insurer (renewal)13 months in forceL&I to May 14, 2026
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Oct 1, 2022THIRD COAST INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2021NATIONAL CASUALTY COMPANYLiability · $750,000 · ended Oct 1, 2022 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2020SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2021 · replaced by the same insurer (renewal)a cancellation notice effective Nov 2, 2021 came after the replacement; 12 months in forceL&I to May 14, 2026
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Sep 4, 2020FMCSA revocation notice for the operating authority, dropped Sep 25, 2020opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2020)L&I to May 14, 2026
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Oct 1, 2019SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2015SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2019 · replaced by the same insurer (renewal)48 months in forceL&I to May 14, 2026
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Sep 8, 2015FMCSA revocation notice for the operating authority, dropped Sep 25, 2015opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Oct 3, 2015)L&I to May 14, 2026
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Oct 1, 2014SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2015 · replaced by the same insurer (renewal)a cancellation notice effective Oct 3, 2015 came after the replacement; 12 months in forceL&I to May 14, 2026
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Sep 4, 2014FMCSA revocation notice for the operating authority, dropped Sep 29, 2014opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2014)L&I to May 14, 2026
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Oct 1, 2013SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2014 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 4, 2013FMCSA revocation notice for the operating authority, dropped Sep 26, 2013opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2013)L&I to May 14, 2026
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Oct 1, 2012SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 4, 2012FMCSA revocation notice for the operating authority, dropped Sep 28, 2012opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2012)L&I to May 14, 2026
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Aug 1, 2012SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2012 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Jul 5, 2012FMCSA revocation notice for the operating authority, dropped Aug 2, 2012opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Aug 1, 2012)L&I to May 14, 2026
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Aug 1, 2011SCOTTSDALE INSURANCE COMPANYLiability · $750,000 · ended Aug 1, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 5, 2011FMCSA revocation notice for the operating authority, dropped Aug 1, 2011opened after SCOTTSDALE INSURANCE COMPANY filed a cancellation notice (effective Aug 1, 2011)L&I to May 14, 2026
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Aug 1, 2010SCOTTSDALE INSURANCE COMPANYLiability · $1,000,000 · ended Aug 1, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 6, 2010FMCSA revocation notice for the operating authority, dropped Aug 2, 2010opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Aug 1, 2010)L&I to May 14, 2026
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Aug 1, 2009CAROLINA CASUALTY INSURANCE CO.Liability · $750,000 · ended Aug 1, 2010 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 6, 2009FMCSA revocation notice for the operating authority, dropped Aug 3, 2009opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Aug 1, 2009)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 57
- North Carolina 44
- Tennessee 19
- West Virginia 18
- Virginia 15
- Georgia 13
- South Dakota 8
- Federal inspectors 8
Runs well beyond its home state: 1 of 251 inspections were in Indiana.
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 (241 power units: 94 filed, 241 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
14.8
Actual, per year in window
3.3
Projected, next 12 mo
4.2
0
9
18
We'd expect a typical fleet of 241 power units this active to have about 14.8 crashes a year (sized from the 241 units seen roadside; 94 filed). This motor carrier recorded 10 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 3.3 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 4.2 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.
Fatal-crash risk: about 11% chance in the next 12 months
Modeled fatal-crash rate is below that of 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:
252 inspections
and 10 crashes.
The FMCSA record tables now hold 251 inspections and 8 crashes in that window — the SMS data moved after this grade was computed.
Confidence: High · Z = 0.90
Excellent — 0.29x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.061 crashes per power-unit-year for a 241-unit for-hire fleet (pu200_499). Violations 0.78x (driver behaviour 0.85x, out-of-service 0.24x, all violations 0.22x; 252 inspections). Experience 0.37x: 5.3 decayed crashes against 17.7 expected over 36 months (credibility 0.90, a 1.88). 80% range 0.16–0.43x. Fleet sized at 241 units from roadside VINs (94 filed). Last change: no change since the last run.
No change since the previous weekly run.
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
6.1 crashes per 100 power-unit-years
241 power units (94 filed, 241 seen roadside) · 14.77 expected crashes a year
Violation relativity
0.78×
252 inspections in window
Crash experience
0.37×
5.3 decayed crashes vs 17.7 expected · credibility 0.90
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 0.29× (80% range 0.16–0.43×)
· band Excellent
· 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
251
Driver Insp
251
Driver OOS
9
Vehicle Insp
198
Vehicle OOS
4
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 14 | 0.62 | |
| HOS Compliance | 15 | 0.37 | |
| Driver Fitness | 10 | 0.26 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 14 | 0.38 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-DEC-25 – 31-MAY-26) 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.