INDIAN TRAILS LLC
DBA: INDIAN TRAILS TRANSPORTATION LLC
(989) 725-5105
rruddy@indiantrails.com
1226 E Main St, Owosso MI 48867
53
power units
99 drivers
3.2M mi/yr · ~61k per unit
Not graded
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 53
- Drivers · CDL
- 99 · 99
- Annual miles
- 3.2M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (06-28-2024)
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 01-08-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- CHAD CUSHMAN
- Officer
- JEFFERY HUTCHINSON
Cargo
14.0
minimal risk
Dry Bulk
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
Not Graded
Not graded: passenger operation. The FRED Score is a property-carrier model; a passenger model is a separate study.
Worth a closer look
From the FMCSA record.
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Injury crashes1 crash with 2 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 (May 2026).Ask: driver qualification files and hiring standards.
Strengths
- Vehicle out-of-service rate 0.8% vs 22.3% national.
- No FMCSA BASIC alerts.
- 98% of inspections found no violations.
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
8
0 fatalities · 2 injuries · 0 tow-aways
Inspections
128
98% clean (no violations)
Vehicle out-of-service
0.8%
1 of 128
National avg 22.3%
Driver out-of-service
33.3%
1 of 3
National avg 6.7%
Violations
2
2 out-of-service
Inspections per quarter
With an out-of-service order
vs 236 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.075 | 0.022 |
| Inspections | 1.86 | 0.58 |
| Violations | 0.02 | 0.32 |
| Critical violations | 0.01 | 0.05 |
Yearly rates from the last 24 months. Peers: 50–99 power units, minimal-risk cargo.
What they get cited for
2 violations · 24 months-
Driver fitness No alert1 · 1 OOSNo valid CDL 1
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Vehicle maintenance No alert1 · 1 OOSSteering & suspension 1
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Unsafe driving No alert0
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Hours of service 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-
Jul212025MichiganProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jul132025WisconsinProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
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Jun42025MichiganInjury · 2 people hurtDaylight, two-way trafficway not divided.
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Jun22025MichiganProperty damage onlyDark - not lighted, two-way trafficway divided positive barrier.
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May192025MichiganProperty damage onlyDark - not lighted, two-way trafficway divided positive barrier.
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Mar282025MichiganProperty damage onlyDaylight, two-way trafficway not divided.
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Nov182024MichiganProperty damage onlyWet road, dark - lighted, rain, one-way trafficway not divided.
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Nov22024MichiganProperty damage onlyDark - 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 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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primary $1,000,000 + excess $4,000,000 (total $5,000,000) · TRISURA INSURANCE COMPANYon record since Nov 1, 2025 · FMCSA minimum $5,000,000 · no gap on FMCSA's record since Mar 1992A cancellation notice effective Jun 17, 2026 was on file at May 14, 2026; whether it took effect is not in FMCSA's frozen record — see the live check.
- 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
- 2 liability insurers on FMCSA's record, 1 change: CAROLINA CASUALTY INSURANCE CO. → TRISURA INSURANCE COMPANY (Nov 2025)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Nov 1, 2019)
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
11 filings and 2 authority events since 1978 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
11 filings and 2 authority events since 1978 · 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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Nov 1, 2025TRISURA SPECIALTY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · on file at May 14, 2026 · cancellation notice effective Jun 17, 2026 on file at May 14, 2026 (outcome not in FMCSA's frozen record)6 months in forceMC 2661 · L&I to May 14, 2026
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Nov 1, 2025TRISURA INSURANCE COMPANYLiability · $1,000,000 · on file at May 14, 2026 · cancellation notice effective Jun 17, 2026 on file at May 14, 2026 (outcome not in FMCSA's frozen record)6 months in forceMC 2661 · L&I to May 14, 2026
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Nov 1, 2021CAROLINA CASUALTY INSURANCE CO.Liability · $5,000,000 · ended Nov 1, 2025 · replaced by another insurer48 months in forceMC 2661 · L&I to May 14, 2026
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Nov 1, 2019LANCER INSURANCE COMPANYLiability · $5,000,000 · ended Nov 1, 2021 · replaced by another insurera cancellation notice effective Nov 30, 2021 came after the replacement; 24 months in forceMC 2661 · L&I to May 14, 2026
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Oct 7, 2019FMCSA revocation notice for the operating authority, dropped Nov 1, 2019opened after LANCER INSURANCE COMPANY filed a cancellation notice (effective Nov 1, 2019)MC 2661 · L&I to May 14, 2026
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Apr 7, 2004LANCER INSURANCE COMPANYLiability · $5,000,000 · ended Nov 1, 2019 · cancellation notice took effect187 months in forceMC 2661 · L&I to May 14, 2026
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Sep 1, 1999LANCER INSURANCE COMPANYLiability · $5,000,000 · ended Apr 7, 2004 · replaced by the same insurer (renewal)55 months in forceMC 2661 · L&I to May 14, 2026
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Mar 10, 1998RELIANCE NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · ended Oct 23, 2003 · cancellation notice took effect67 months in forceFF 2661 · L&I to May 14, 2026
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Mar 10, 1998NATIONAL UNION FIRE INS. CO. OF PITSBGH. PALiability (excess) · $4,000,000 over $1,000,000 · on fileFF 2661 · L&I to May 14, 2026
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Jul 1, 1997FEDERAL INSURANCE CO.Cargo · ended Jan 9, 2010 · cancellation notice took effect150 months in forceFF 2661 · L&I to May 14, 2026
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Sep 1, 1995ST. PAUL FIRE & MARINE INSURANCE CO.Liability · $5,000,000 · ended Sep 1, 1999 · replaced by another insurer48 months in forceMC 2661 · L&I to May 14, 2026
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Mar 1, 1992GREAT AMERICAN INSURANCE CO.Liability · $5,000,000 · ended Sep 1, 1995 · replaced by another insurera cancellation notice effective Oct 9, 1995 came after the replacement; 42 months in forceMC 2661 · L&I to May 14, 2026
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Oct 10, 1978Operating authority grantedMC 2661 · 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
- Michigan (HQ) 125
- Ohio 3
Mostly inspected in its home state (98%).
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.
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 PassengerTotal Inspections
128
Driver Insp
3
Driver OOS
1
Vehicle Insp
128
Vehicle OOS
1
| BASIC | Insp w/ Viol | Measure | Percentile | Alert |
|---|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | - | |
| HOS Compliance | 0 | 0.00 | - | |
| Driver Fitness | 1 | 3.33 | - | |
| Controlled Substances | 0 | 0.00 | - | |
| Vehicle Maintenance | 1 | 0.07 | - |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 25-FEB-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.