FINSTER COURIER INCORPORATED
DBA: ELITE EXPRESS
(856) 663-8844
bdinyon@shipeliteexpress.com
9201 River Road, Pennsauken NJ 08110
199
power units · all owned
168 drivers
13.9M mi/yr · ~70k per unit
HazMat
Satisfactory
FRED Score 62.9 / 100
High confidence
28 yrs history · 527 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 199
- Drivers · CDL
- 168 · 168
- Annual miles
- 13.9M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 2 | 0 | 0 | 2 |
| Tractors | 197 | 0 | 0 | 197 |
| Trailers | 400 | 37 | 0 | 437 |
Registration
- FMCSA Rating
- Satisfactory (10-20-2016) · 10 yr old
- Registered
- 06-01-1998 (28 yrs)
- MCS-150 Update
- 01-23-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- ROBERT DINYON
- Officer
- MARK R NIZNIK
Cargo
63.5
medium risk
Household Goods
Metal: Sheets/Coils/Rolls
Machinery/Large Objects
Liquids/Gases
Meat
Refrigerated Food
General Freight
Building Materials
Fresh Produce
Beverages
Dry Bulk
Paper Products
Utility
Construction
Chemicals
- High-Risk Cargo
- Machinery Large, General Freight, Household Goods, Refrigerated Food, Meat
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 70% 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 0.90×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
6.2 vs 6.9 for similar fleets
Likely 2–11 crashes
This motor carrier
6.2
Similar fleets
6.9
Chance of a fatal crash, next 12 months
~16%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 10 crashes on the FMCSA record in 24 months (about 5 a year), including 2 with injuries; similar fleets have about 6.9 a year. The grade counts 17 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.48× the rate expected for its inspections, but violations 0.58× and out-of-service orders 0.69×. Together they move its crash estimate -3%: roadside results weigh far less than crash history. 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 crashes2 crashes with 2 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service9 out-of-service violations against drivers: 6 hours of service, 3 no valid CDL (Dec 2024 – Apr 2026).Ask: driver supervision and dispatch practices.
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Brakes and tiresBrakes are 89 of 359 violations (25%). Brake or tire defects led to 58 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs11 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
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Hazmat violations23 hazmat violations, 8 out of service.
Strengths
- Driver out-of-service rate 2.3% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
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Dangerous driving: 10
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Excessive speeding: 21
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Substance violations: 1
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
10
0 fatalities · 2 injuries · 0 tow-aways
Inspections
527
58% clean (no violations)
Vehicle out-of-service
19.5%
67 of 344
National avg 22.3%
Driver out-of-service
2.3%
12 of 527
National avg 6.7%
Violations
359
87 out-of-service
Inspected more often than interstate fleets of 100–199 trucks in New Jersey (about 174 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 4 inspections.
vs 1,756 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.025 | 0.025 |
| Inspections | 1.91 | 0.96 |
| Violations | 0.90 | 0.54 |
| Critical violations | 0.28 | 0.10 |
Yearly rates from the last 24 months. Peers: interstate fleets, 100–199 power units, medium-risk cargo.
What they get cited for
359 violations · 24 months-
Vehicle maintenance No alert206 · 70 OOSBrakes 89 · Tires 55 · Lights 26 · Wheels & hubs 8 · Cargo securement 6 · 22 more
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Hours of service No alert65 · 6 OOSLogbook / ELD paperwork 29 · Over hours limit 21 · False log 11 · No log 4
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Unsafe driving No alert62 · 0 OOSReckless / lane 29 · Speeding 21 · Seat belt 5 · Phone use 1 · Other 6
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Driver fitness No alert3 · 3 OOSNo valid CDL 3
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Drugs & alcohol No alert0
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Hazmat23 · 8 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-
Jul222026IndianaInjury · 1 person hurtDaylight.
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Jun152026New JerseyInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr12026West VirginiaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Mar102026MississippiProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jan252026VirginiaProperty damage onlySnow road, daylight, snow, two-way trafficway divided unprotected median. Citation issued.
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Jan202026PennsylvaniaProperty damage onlyDaylight. FMCSA: not preventable.
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Aug82025PennsylvaniaProperty damage onlyDaylight.
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May82025PennsylvaniaProperty damage onlyDark - lighted.
2 more in the FMCSA records below.
2 of the 10 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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$1,000,000 · THIRD COAST INSURANCE COMPANYon record since Sep 30, 2025 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Jun 2003
- 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
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Mar 30, 2020)
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
32 filings and 17 authority events since 1999 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
32 filings and 17 authority events since 1999 · 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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Sep 30, 2025THIRD COAST INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Sep 30, 2024THIRD COAST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 30, 2025 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Sep 30, 2023THIRD COAST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 30, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Mar 31, 2022THIRD COAST INSURANCE COMPANYLiability · $1,000,000 · ended Sep 30, 2023 · replaced by the same insurer (renewal)18 months in forceL&I to May 14, 2026
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Sep 30, 2020THIRD COAST INSURANCE COMPANYLiability · $1,000,000 · ended Mar 31, 2022 · replaced by the same insurer (renewal)18 months in forceL&I to May 14, 2026
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Mar 30, 2020PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Sep 30, 2020 · replaced by another insurera cancellation notice effective Oct 24, 2020 came after the replacement; 6 months in forceL&I to May 14, 2026
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Mar 3, 2020FMCSA revocation notice for the operating authority, dropped Mar 30, 2020opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Mar 30, 2020)L&I to May 14, 2026
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Mar 30, 2019PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Mar 30, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 4, 2019FMCSA revocation notice for the operating authority, dropped Mar 28, 2019opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Mar 30, 2019)L&I to May 14, 2026
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Mar 30, 2018PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Mar 30, 2019 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 1, 2015ELITE TRANSPORTATION RRG, INC. (risk retention group)Liability · $1,000,000 · ended Mar 30, 2018 · replaced by another insurer34 months in forceL&I to May 14, 2026
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May 5, 2015FMCSA revocation notice for the operating authority, dropped May 28, 2015opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Jun 1, 2015)L&I to May 14, 2026
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Apr 1, 2015THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Jun 1, 2015 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Mar 5, 2015FMCSA revocation notice for the operating authority, dropped Mar 26, 2015opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Apr 1, 2015)L&I to May 14, 2026
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Apr 1, 2014THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Apr 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 5, 2014FMCSA revocation notice for the operating authority, dropped Mar 31, 2014opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Apr 1, 2014)L&I to May 14, 2026
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Jul 10, 2013THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Apr 1, 2014 · cancellation notice took effect9 months in forceL&I to May 14, 2026
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Jun 13, 2013FMCSA revocation notice for the operating authority, dropped Jul 5, 2013opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Jul 10, 2013)L&I to May 14, 2026
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Apr 1, 2013THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Jul 10, 2013 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Mar 5, 2013FMCSA revocation notice for the operating authority, dropped Apr 1, 2013opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Apr 1, 2013)L&I to May 14, 2026
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Apr 1, 2012CAROLINA CASUALTY INSURANCE CO.Liability · $1,000,000 · ended Apr 1, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 5, 2012FMCSA revocation notice for the operating authority, dropped Mar 22, 2012opened after STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIA filed a cancellation notice (effective Apr 1, 2012)L&I to May 14, 2026
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Apr 1, 2011STATE NATIONALSPECIALTY INSCO/NATIONAL SPECIALiability · $1,000,000 · ended Apr 1, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 3, 2009VANLINER INSURANCE COMPANYLiability · $1,000,000 · ended Apr 1, 2011 · replaced by another insurera cancellation notice effective Jun 3, 2011 came after the replacement; 22 months in forceL&I to May 14, 2026
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May 7, 2009FMCSA revocation notice for the operating authority, dropped Jun 4, 2009opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Jun 3, 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
- Maryland 89
- Ohio 57
- Tennessee 24
- Indiana 23
- North Carolina 23
- New Jersey (HQ) 22
- California 20
- New York 19
Runs well beyond its home state: 22 of 527 inspections were in New Jersey.
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 (199 power units: 199 filed, 182 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
6.9
Actual, per year in window
5.7
Projected, next 12 mo
6.2
0
4
8
We'd expect a typical fleet of 199 power units this active to have about 6.9 crashes a year. This motor carrier recorded 17 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 5.7 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 6.2 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 16% 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:
527 inspections
and 17 crashes.
The FMCSA record tables now hold 523 inspections and 10 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
- Out-of-service inspection Sep 30, 2024 · TX · level 1 · 1 vehicle OOS · 1 violation
- Out-of-service inspection Sep 25, 2024 · OH · level 2 · 1 vehicle OOS · 2 violations
- 2 further inspections with no out-of-service result
Confidence: High · Z = 0.77
Satisfactory — 0.90x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.034 crashes per power-unit-year for a 199-unit for-hire fleet (pu100_199). Violations 0.97x (driver behaviour 1.48x, out-of-service 0.69x, all violations 0.58x; 527 inspections). Experience 0.93x: 9.3 decayed crashes against 10.3 expected over 36 months (credibility 0.77, a 3.00). 80% range 0.58–1.26x. 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
3.4 crashes per 100 power-unit-years
199 power units · 6.86 expected crashes a year
Violation relativity
0.97×
527 inspections in window
Crash experience
0.93×
9.3 decayed crashes vs 10.3 expected · credibility 0.77
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 0.90× (80% range 0.58–1.26×)
· 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
527
Driver Insp
527
Driver OOS
12
Vehicle Insp
344
Vehicle OOS
67
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 59 | 2.69 | |
| HOS Compliance | 56 | 0.56 | |
| Driver Fitness | 3 | 0.05 | |
| Controlled Substances | 1 | 0.01 | |
| Vehicle Maintenance | 119 | 3.65 |
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.