WHIMSY INC
(847) 690-1246
gomara@whimsytrucking.com
1901 South Busse Rd, Mount Prospect IL 60056
142
tractors
142 drivers
7.6M mi/yr · ~53k per unit
HazMat
Satisfactory
FRED Score 61.2 / 100
High confidence
30 yrs history · 138 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 142
- Drivers · CDL
- 142 · 140
- Annual miles
- 7.6M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 39 | 103 | 0 | 142 |
| Trailers | 130 | 28 | 0 | 158 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (03-13-2010) · 16 yr old
- Registered
- 08-08-1996 (30 yrs)
- MCS-150 Update
- 12-08-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- GRACIA O'MARA
Cargo
61.3
medium risk
Household Goods
Metal: Sheets/Coils/Rolls
Liquids/Gases
Intermodal Containers
General Freight
- High-Risk Cargo
- General Freight, Household Goods
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 probably lower than similar fleets (about a 60% chance), but the record is too thin to say by how much.
Similar fleets: interstate fleets of 100–199 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 0.92×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
4.0 vs 4.3 for similar fleets
Likely 1–8 crashes
This motor carrier
4.0
Similar fleets
4.3
Chance of a fatal crash, next 12 months
~10%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 8 crashes on the FMCSA record in 24 months (about 4 a year), including 3 with injuries; similar fleets have about 4.3 a year. The grade counts 10 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.61× the rate expected for its inspections, but violations 0.74×. Together they barely move its crash estimate: 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 3 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Lights and brakesLights are 44 of 117 violations (38%). Light or brake defects led to 13 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.
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Hazmat violations1 hazmat violation, 1 out of service.
Strengths
- Driver out-of-service rate 0.7% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 1
-
Excessive speeding: 10
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
8
0 fatalities · 3 injuries · 0 tow-aways
Inspections
138
49% clean (no violations)
Vehicle out-of-service
25.6%
21 of 82
National avg 22.3%
Driver out-of-service
0.7%
1 of 138
National avg 6.7%
Violations
117
22 out-of-service
Inspected about as often as interstate fleets of 100–199 trucks in Illinois (about 221 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
Sep 25–30, 2024 isn't charted (too little of that quarter is on file); the 24-month totals include its 3 inspections.
vs 1,756 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.021 | 0.025 |
| Inspections | 0.63 | 0.96 |
| Violations | 0.41 | 0.54 |
| Critical violations | 0.07 | 0.10 |
Yearly rates from the last 24 months. Peers: interstate fleets, 100–199 power units, medium-risk cargo.
What they get cited for
117 violations · 24 months-
Vehicle maintenance No alert84 · 20 OOSLights 44 · Brakes 25 · Tires 6 · Cargo securement 2 · Steering & suspension 2 · 5 more
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Unsafe driving No alert17 · 0 OOSSpeeding 11 · Reckless / lane 3 · Seat belt 2 · Other 1
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Hours of service No alert15 · 1 OOSLogbook / ELD paperwork 7 · False log 4 · Over hours limit 4
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Driver fitness No alert0
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Drugs & alcohol No alert0
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Hazmat1 · 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-
May12026IllinoisProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
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Apr72026IndianaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Feb52026MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Nov52025IndianaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Oct92025IllinoisProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Sep292025IllinoisInjury · 1 person hurtDaylight, one-way trafficway not divided.
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Oct102024IllinoisInjury · 1 person hurtDaylight, two-way trafficway divided positive barrier.
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Sep302024IllinoisProperty damage onlyDaylight, two-way trafficway divided positive barrier.
3 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)
-
$1,000,000 · Great West Casualty Coon record since Nov 1, 2022 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Aug 1996
- 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 Aug 29, 1996)
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
20 filings and 7 authority events since 1996 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
20 filings and 7 authority events since 1996 · 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, 2022Great West Casualty CoLiability · $1,000,000 · on fileFMCSA's new system
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Nov 1, 2018ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Nov 1, 2022 · replaced by another insurer48 months in forceL&I to May 14, 2026
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Nov 1, 2010GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Nov 1, 2018 · replaced by another insurera cancellation notice effective Dec 4, 2018 came after the replacement; 96 months in forceL&I to May 14, 2026
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Oct 31, 2008GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Nov 1, 2010 · replaced by the same insurer (renewal)a cancellation notice effective Nov 26, 2010 came after the replacement; 24 months in forceL&I to May 14, 2026
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Oct 6, 2008FMCSA revocation notice for the operating authority, dropped Oct 30, 2008opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Oct 31, 2008)L&I to May 14, 2026
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Aug 13, 2008THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Oct 31, 2008 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jul 17, 2008FMCSA revocation notice for the operating authority, dropped Aug 4, 2008opened after ILLINOIS NATIONAL INSURANCE CO. filed a cancellation notice (effective Aug 13, 2008)L&I to May 14, 2026
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May 21, 2008ILLINOIS NATIONAL INSURANCE CO.Liability · $1,000,000 · ended Aug 13, 2008 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Apr 24, 2008FMCSA revocation notice for the operating authority, dropped Apr 29, 2008opened after ILLINOIS NATIONAL INSURANCE CO. filed a cancellation notice (effective May 21, 2008)L&I to May 14, 2026
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Aug 1, 2007ILLINOIS NATIONAL INSURANCE CO.Liability · $1,000,000 · ended May 21, 2008 · cancellation notice took effect10 months in forceL&I to May 14, 2026
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Aug 1, 2006UNITED STATES FIRE INSURANCE CO.Liability · $1,000,000 · ended Aug 1, 2007 · replaced by another insurera cancellation notice effective Aug 30, 2007 came after the replacement; 12 months in forceL&I to May 14, 2026
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Jul 5, 2006FMCSA revocation notice for the operating authority, dropped Aug 1, 2006opened after OCCIDENTAL FIRE AND CASUALTY CO. OF N.C. filed a cancellation notice (effective Aug 1, 2006)L&I to May 14, 2026
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Jun 22, 2006OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $1,000,000 · ended Aug 1, 2006 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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May 26, 2006FMCSA revocation notice for the operating authority, dropped May 30, 2006opened after OCCIDENTAL FIRE AND CASUALTY CO. OF N.C. filed a cancellation notice (effective Jun 22, 2006)L&I to May 14, 2026
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Aug 1, 2005OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $1,000,000 · ended Jun 22, 2006 · cancellation notice took effect11 months in forceL&I to May 14, 2026
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Jul 5, 2005FMCSA revocation notice for the operating authority, dropped Jul 29, 2005opened after OCCIDENTAL FIRE AND CASUALTY CO. OF N.C. filed a cancellation notice (effective Aug 1, 2005)L&I to May 14, 2026
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Aug 1, 2004CENTRAL MUTUAL INSURANCE COMPANYCargo · ended Aug 31, 2006 · cancellation notice took effect25 months in forceL&I to May 14, 2026
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Aug 1, 2004OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $1,000,000 · ended Aug 1, 2005 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 1, 2002LEXINGTON INSURANCE COMPANYCargo · ended Sep 3, 2003 · cancellation notice took effect13 months in forceL&I to May 14, 2026
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Aug 1, 2002LINCOLN GENERAL INSURANCE COMPANYLiability · $1,000,000 · ended Aug 1, 2004 · replaced by another insurera cancellation notice effective Sep 3, 2004 came after the replacement; 24 months in forceL&I to May 14, 2026
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Aug 1, 2000ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Aug 1, 2002 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Aug 1, 1999ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Aug 1, 2000 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Aug 1, 1998TRAVELERS INDEMNITY COMPANYLiability · $1,000,000 · ended Aug 1, 1999 · replaced by another insurera cancellation notice effective Sep 9, 1999 came after the replacement; 12 months in forceL&I to May 14, 2026
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Aug 1, 1998ACCEPTANCE INSURANCE COMPANYLiability · $1,000,000 · ended Sep 5, 1998 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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Aug 29, 1996Operating 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
Loading map data…
Inspections by state
- Illinois (HQ) 45
- Wisconsin 26
- Indiana 20
- Kansas 19
- Iowa 14
- Missouri 6
- Michigan 5
- South Dakota 2
33% 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 (142 power units: 142 filed, 100 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
4.3
Actual, per year in window
3.3
Projected, next 12 mo
4.0
0
2.5
5
We'd expect a typical fleet of 142 power units this active to have about 4.3 crashes a year. 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 4.0 over the next 12. 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 10% 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:
130 inspections
and 10 crashes.
The FMCSA record tables now hold 135 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 Sep 1, 2023, inspections before Oct 1, 2024
- 3 inspections with no out-of-service result
Confidence: High · Z = 0.61
Satisfactory — 0.92x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.030 crashes per power-unit-year for a 142-unit for-hire fleet (pu100_199). Violations 1.02x (driver behaviour 1.61x, out-of-service 0.84x, all violations 0.74x; 130 inspections). Experience 0.91x: 5.8 decayed crashes against 6.8 expected over 36 months (credibility 0.61, a 4.37). 80% range 0.56–1.33x. 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
3.0 crashes per 100 power-unit-years
142 power units · 4.33 expected crashes a year
Violation relativity
1.02×
130 inspections in window
Crash experience
0.91×
5.8 decayed crashes vs 6.8 expected · credibility 0.61
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 0.92× (80% range 0.56–1.33×)
· band 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
138
Driver Insp
138
Driver OOS
1
Vehicle Insp
82
Vehicle OOS
21
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 17 | 0.79 | |
| HOS Compliance | 13 | 0.45 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 48 | 5.28 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 31-MAR-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.