THE PADDED WAGON INC
DBA: THE PADDED WAGON OF NJ INC
FMCSA Live Status
Fleet & equipment
- Power units
- 14
- Drivers · CDL
- 12 · 6
- Annual miles
- 50k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 12 | 0 | 0 | 12 |
| Tractors | 2 | 0 | 0 | 2 |
| Trailers | 1 | 0 | 0 | 1 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (05-08-2023) · 3 yr old
- Registered
- 04-02-1998 (28 yrs)
- MCS-150 Update
- 10-23-2025 (Biennial Update)
- FRED Score Date
- Nov 08, 2026
- Officer
- EDMOND DOWLING
Cargo
- High-Risk Cargo
- General Freight, Household Goods, Other: FURNITURE
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.
MCS-150 annual mileage appears too low for fleet size given observed activity. The per-100k-mile rate benchmarks on this page are excluded; the FRED grade does not use mileage (crash exposure is power-unit-years, violation exposure is inspection counts).
Expected crash rate is probably lower than similar fleets (about a 70% chance), but the record is too thin to say by how much.
Similar fleets: interstate fleets of 10–19 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.
-
Lapse in liability filingsNo liability filing on FMCSA's file since Dec 4, 2025 (161 days through May 14, 2026) while the authority required one. Not in the grade.Ask: what covered the fleet during the gap.
- No reportable crashes in 24 months.
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
-
Unreliable reported mileageThe motor carrier's self-reported annual mileage (MCS-150) looks implausible, so exposure- and mileage-based figures may be distorted.
-
Estimated mileageNo usable mileage was reported, so exposure was estimated from similar motor carriers. Mileage-based metrics here are approximate.
Track record
Inspected about as often as interstate fleets of 10–19 trucks in New Jersey (about 17 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.034 |
| Inspections | 0.71 | 1.23 |
| Violations | 0.21 | 0.97 |
| Critical violations | 0.00 | 0.18 |
Yearly rates from the last 24 months. Peers: interstate fleets, 10–19 power units, medium-risk cargo.
What they get cited for
6 violations · 24 months-
Hours of service No alert3 · 0 OOSLogbook / ELD paperwork 2 · No log 1
-
Vehicle maintenance No alert3 · 0 OOSLights 1 · Other parts 2
-
Unsafe driving 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)
-
No liability filing on FMCSA's record through May 14, 2026.Last filing: MILFORD CASUALTY INSURANCE COMPANY, ended Dec 4, 2025 (cancellation notice took effect).
- Cargo filing
- required · on file · WESCO INSURANCE COMPANY since Jul 18, 2025
- 3 liability insurers on FMCSA's record, 3 changes: WESCO INSURANCE COMPANY → MILFORD CASUALTY INSURANCE COMPANY (Jul 2025); DRIVE NEW JERSEY INSURANCE COMPANY → WESCO INSURANCE COMPANY (Jul 2023); MERCURY INSURANCE COMPANY OF FLORIDA → WESCO INSURANCE COMPANY (Jul 2023)
- 5 cancellation notices filed by insurers; 4 took effect (the last Dec 4, 2025, not replaced on FMCSA's record); 1 replaced before it took effect
- No liability filing on FMCSA's file since Dec 4, 2025 (161 days through May 14, 2026) while the authority required one
Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 5, 2023)
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
55 filings and 26 authority events since 1998 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
Jul 18, 2025WESCO INSURANCE COMPANYCargo · on file · on fileMC 336731 · L&I to May 14, 2026
-
Jul 18, 2025MILFORD CASUALTY INSURANCE COMPANYLiability · $750,000 · ended Dec 4, 2025 · cancellation notice took effect5 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2024WESCO INSURANCE COMPANYCargo · ended Apr 5, 2025 · cancellation notice took effecta cancellation notice effective Dec 4, 2025 came after the replacement; 9 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2024WESCO INSURANCE COMPANYLiability · $750,000 · ended Apr 5, 2025 · cancellation notice took effect9 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2023WESCO INSURANCE COMPANYCargo · ended Jul 18, 2024 · superseded by the same policya cancellation notice effective Mar 7, 2025 came after the replacement; 12 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2023WESCO INSURANCE COMPANYLiability · $750,000 · ended Jul 18, 2024 · superseded by the same policya cancellation notice effective Mar 7, 2025 came after the replacement; 12 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2023WESCO INSURANCE COMPANYCargo · ended Sep 15, 2024 · cancellation notice took effect14 months in forceMC 331698 · L&I to May 14, 2026
-
Jul 18, 2023WESCO INSURANCE COMPANYLiability · $750,000 · ended Sep 15, 2024 · cancellation notice took effect14 months in forceMC 331698 · L&I to May 14, 2026
-
May 29, 2023DRIVE NEW JERSEY INSURANCE COMPANYLiability · $750,000 · ended Jul 18, 2023 · replaced by another insurer2 months in forceMC 336731 · L&I to May 14, 2026
-
May 2, 2023FMCSA revocation notice for the operating authority, dropped May 5, 2023opened after DRIVE NEW JERSEY INSURANCE COMPANY filed a cancellation notice (effective May 29, 2023)MC 336731 · L&I to May 14, 2026
-
Jan 2, 2023DRIVE NEW JERSEY INSURANCE COMPANYLiability · $750,000 · ended May 29, 2023 · cancellation notice took effect5 months in forceMC 336731 · L&I to May 14, 2026
-
Dec 9, 2022FMCSA revocation notice for the operating authority, dropped Jan 5, 2023opened after STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIA filed a cancellation notice (effective Jan 5, 2023)MC 336731 · L&I to May 14, 2026
-
Aug 25, 2022STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $1,000,000 · ended Jan 5, 2023 · cancellation notice took effect4 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 29, 2022FMCSA revocation notice for the operating authority, dropped Aug 22, 2022cause not stated in FMCSA's older recordsMC 336731 · L&I to May 14, 2026
-
Jul 18, 2022HANOVER INSURANCE CO.Cargo · ended Jul 18, 2023 · replaced by another insurera cancellation notice effective Aug 18, 2023 came after the replacement; 12 months in forceMC 336731 · L&I to May 14, 2026
-
Apr 5, 2022STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $1,000,000 · ended Aug 25, 2022 · superseded by the same policy5 months in forceMC 336731 · L&I to May 14, 2026
-
Mar 24, 2022STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $750,000 · ended Apr 5, 2022 · superseded by the same policyMC 336731 · L&I to May 14, 2026
-
Feb 25, 2022FMCSA revocation notice for the operating authority, dropped Mar 8, 2022opened after STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIA filed a cancellation notice (effective Mar 24, 2022)MC 336731 · L&I to May 14, 2026
-
Jan 25, 2022Operating authority reinstatedMC 336731 · L&I to May 14, 2026
-
Jan 20, 2022STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $750,000 · ended Mar 24, 2022 · cancellation notice took effect2 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 18, 2021HANOVER INSURANCE CO.Cargo · ended Jul 18, 2022 · replaced by the same insurer (renewal)12 months in forceMC 336731 · L&I to May 14, 2026
-
Jul 13, 2021Operating authority revoked (cause not stated)MC 336731 · L&I to May 14, 2026
-
Apr 16, 2021Operating authority reinstatedMC 336731 · L&I to May 14, 2026
-
Dec 18, 2020DRIVE NEW JERSEY INSURANCE COMPANYLiability · $750,000 · ended Jul 7, 2021 · cancellation notice took effect7 months in forceMC 336731 · L&I to May 14, 2026
-
Nov 30, 2020Operating authority revoked (cause not stated)MC 336731 · 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
- New York 6
- North Carolina 2
- Virginia 2
- Florida 1
- New Mexico 1
- Nevada 1
- Utah 1
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 (14 power units: 14 filed, 8 seen roadside in 24 months).
We'd expect a typical fleet of 14 power units this active to have about 0.3 crashes a year. This motor carrier recorded 1 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 0.3 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.3 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 3.4× the injury/fatal weight of a typical crash.
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
AB Property| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | |
| HOS Compliance | 2 | 0.20 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 2 | 2.28 |
SMS record data is sourced from FMCSA's Safety Measurement System (05-APR-26 – 25-NOV-25) and may cover a different time window than the scoring window used for the FRED grade (Oct 1, 2023 → Oct 31, 2026). Counts here may differ from the grade's in-window counts.