ELK RIDGE EXPRESS LLC
(931) 388-4499
elkridge50@gmail.com
1401 Triple K Ave, Lawrenceburg TN 38464
20
tractors
25 drivers
1.2M mi/yr · ~61k per unit
Not enough record
Graded once the record supports it
30 yrs history · 43 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 20
- Drivers · CDL
- 25 · 25
- Annual miles
- 1.2M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 17 | 3 | 0 | 20 |
| Trailers | 40 | 0 | 0 | 40 |
Registration
- Organization
- INDIVIDUAL
- FMCSA Rating
- Satisfactory (12-28-2009) · 16 yr old
- Registered
- 08-03-1996 (30 yrs)
- MCS-150 Update
- 03-03-2026 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- RICHARD A DAVIS
- Officer
- RICHARD DAVIS
Cargo
55.0
medium risk
Metal: Sheets/Coils/Rolls
General Freight
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.
Not enough record to grade yet.
43 inspections and 3 crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire fleets of 20–49 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 0.49×–1.78×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
0.9 vs 0.9 for similar fleets
Likely 0–2 crashes
This motor carrier
0.9
Similar fleets
0.9
A record this thin can't pin that down: about a 1-in-6 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 (20 power units).
What the record shows
Crash history
betterworse
Higher so far, not yet proven. 3 crashes on the FMCSA record in 24 months (about 1.5 a year); similar fleets have about 0.9 a year. Too few crashes to be sure, so the grade counts its crash record as about 9% above typical.
Roadside inspections
betterworse
About typical. Out-of-service orders, violations and unsafe-driving or hours-of-service violations are all close to the rate expected for its inspections. It's inspected more often than most fleets its size.
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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Lights and brakesLights are 25 of 68 violations (37%). Light or brake defects led to 6 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs2 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
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Vehicle out-of-service rate34.8% of vehicle inspections end out of service vs 22.3% nationally (8 of 23), but across all its inspections out-of-service orders are 0.93× what's expected for where and how it's inspected, the measure the grade uses.
Strengths
- 3 crashes in 24 months. No injuries, no fatalities.
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 1
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
3
0 fatalities · 0 injuries · 0 tow-aways
Inspections
43
44% clean (no violations)
Vehicle out-of-service
34.8%
8 of 23
National avg 22.3%
Driver out-of-service
0.0%
0 of 43
National avg 6.7%
Violations
68
12 out-of-service
Inspections per quarter
With an out-of-service order
vs 11,996 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.075 | 0.027 |
| Inspections | 1.32 | 1.02 |
| Violations | 1.70 | 0.71 |
| Critical violations | 0.25 | 0.14 |
Yearly rates from the last 24 months. Peers: 20–49 power units, medium-risk cargo.
What they get cited for
68 violations · 24 months-
Vehicle maintenance No alert59 · 12 OOSLights 25 · Brakes 11 · Tires 5 · Cargo securement 3 · Wheels & hubs 3 · 12 more
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Unsafe driving No alert5 · 0 OOSSpeeding 3 · Reckless / lane 2
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Hours of service No alert4 · 0 OOSFalse log 2 · Logbook / ELD paperwork 2
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Driver fitness No alert0
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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
3 crashes
-
Sep22025TennesseeProperty damage onlyWet road, daylight, two-way trafficway divided unprotected median.
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Feb102025IndianaProperty damage onlyDaylight.
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Jan112025MissouriProperty damage onlyDaylight, two-way trafficway divided positive barrier.
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 · SENTRY SELECT INSURANCE COMPANYon record since Oct 1, 2024 · FMCSA minimum $750,000 · no gap on FMCSA's record since Sep 1996
- 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: NORTHLAND INSURANCE COMPANY → SENTRY SELECT INSURANCE COMPANY (Oct 2024); ACUITY, A MUTUAL INSURANCE COMPANY → NORTHLAND 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, 2018)
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 7 authority events since 1996 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
26 filings and 7 authority events since 1996 · 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, 2024SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Oct 1, 2023NORTHLAND 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, 2020ACUITY, A MUTUAL INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2023 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Oct 1, 2019NATIONAL CASUALTY COMPANYLiability · $750,000 · ended Oct 1, 2020 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2018GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Oct 1, 2019 · replaced by another insurera cancellation notice effective Nov 4, 2019 came after the replacement; 12 months in forceL&I to May 14, 2026
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Sep 4, 2018FMCSA revocation notice for the operating authority, dropped Sep 28, 2018opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Oct 1, 2018)L&I to May 14, 2026
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Oct 1, 2017THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $750,000 · ended Oct 1, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 5, 2017FMCSA revocation notice for the operating authority, dropped Oct 2, 2017opened after PRAETORIAN INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2017)L&I to May 14, 2026
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Oct 1, 2016PRAETORIAN INSURANCE COMPANYLiability · $750,000 · ended Oct 1, 2017 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2015UNITED STATES FIRE INSURANCE CO.Liability · $750,000 · ended Oct 1, 2016 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2013NATIONAL CASUALTY COMPANYLiability · $750,000 · ended Oct 1, 2015 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Oct 1, 2009GREAT WEST CASUALTY CO.Cargo · ended Aug 6, 2017 · cancellation notice took effect94 months in forceL&I to May 14, 2026
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Oct 1, 2009GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Oct 1, 2013 · replaced by another insurera cancellation notice effective Oct 31, 2013 came after the replacement; 48 months in forceL&I to May 14, 2026
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Sep 4, 2009FMCSA revocation notice for the operating authority, dropped Oct 2, 2009opened after REDLAND INSURANCE CO. filed a cancellation notice (effective Oct 1, 2009)L&I to May 14, 2026
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Oct 1, 2008REDLAND INSURANCE CO.Liability · $750,000 · ended Oct 1, 2009 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2007SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2008 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2006OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $750,000 · ended Oct 1, 2007 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 1, 2005SENTRY SELECT INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2006 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Sep 6, 2005FMCSA revocation notice for the operating authority, dropped Oct 3, 2005opened after LANCER INSURANCE COMPANY filed a cancellation notice (effective Oct 1, 2005)L&I to May 14, 2026
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Mar 21, 2005LANCER INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2005 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Mar 9, 2005FMCSA revocation notice for the operating authority, dropped Mar 24, 2005cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Oct 1, 2004LANCER INSURANCE COMPANYLiability · $1,000,000 · ended Mar 21, 2005 · superseded by the same policy6 months in forceL&I to May 14, 2026
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Oct 1, 2002EMPIRE FIRE & MARINE INSURANCE CO.Liability · $1,000,000 · ended Oct 1, 2004 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Oct 1, 2001INSURANCE CORPORATION OF HANNOVERLiability · $1,000,000 · ended Oct 1, 2002 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2000INSURANCE CORPORATION OF HANNOVERLiability · $1,000,000 · ended Oct 1, 2001 · replaced by the same insurer (renewal)12 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
- Tennessee (HQ) 9
- Iowa 7
- Kentucky 4
- Missouri 4
- Alabama 3
- Illinois 3
- Indiana 3
- Georgia 2
21% of inspections were in its home state.
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 (20 power units: 20 filed, 19 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.9
Actual, per year in window
1.0
Projected, next 12 mo
0.9
0
0.75
1.5
We'd expect a typical fleet of 20 power units this active to have about 0.9 crashes a year. This motor carrier recorded 3 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.0 a year) — about 1.2× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.9 over the next 12. 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 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:
42 inspections
and 3 crashes.
The FMCSA record tables now hold 43 inspections and 3 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 (0.49×–1.78×)
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: Moderate · Z = 0.32
Satisfactory — 1.08x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.043 crashes per power-unit-year for a 20-unit for-hire fleet (pu20_49). Violations 1.00x (driver behaviour 0.98x, out-of-service 0.93x, all violations 1.05x; 42 inspections). Experience 1.09x: 1.7 decayed crashes against 1.3 expected over 36 months (credibility 0.32, a 2.80). 80% range 0.49–1.78x. 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
4.3 crashes per 100 power-unit-years
20 power units · 0.85 expected crashes a year
Violation relativity
1.00×
42 inspections in window
Crash experience
1.09×
1.7 decayed crashes vs 1.3 expected · credibility 0.32
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 1.08× (80% range 0.49–1.78×)
· 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
43
Driver Insp
43
Driver OOS
0
Vehicle Insp
23
Vehicle OOS
8
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 5 | 2.90 | |
| HOS Compliance | 3 | 0.23 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 19 | 9.82 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 31-OCT-25) 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.