WISE COACHES INCORPORATED
DBA: WISE COACHES OF NASHVILLE
(608) 575-0110
safety.mail@summitllc.com
540 Collins Park Drive, Antioch TN 37013
87
power units
80 drivers
Not graded
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 87
- Drivers · CDL
- 80 · 80
- Annual miles
- 1.1M unreliable
| 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 (07-15-2025)
- Registered
- 08-05-1998 (28 yrs)
- MCS-150 Update
- 11-14-2025 (Address Change)
- FRED Score Date
- Nov 08, 2026
- Officer
- TIM WERTNER
- Officer
- STEFFANY CUNNINGHAM
Cargo
50.0
medium risk
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 model for motor carriers of property; a passenger model is a separate study.
Mileage Unreliable
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).
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.
Strengths
- Vehicle out-of-service rate 8.3% vs 22.3% national.
- No FMCSA BASIC alerts.
Data flags
-
Unreliable reported mileageThe motor carrier's self-reported annual mileage (MCS-150) looks implausible, so exposure- and mileage-based figures may be distorted.
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Estimated mileageNo usable mileage was reported, so exposure was estimated from similar motor carriers. Mileage-based metrics here are approximate.
Track record
FMCSA record, Nov 2024 – May 2026
· grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
2
0 fatalities · 2 injuries · 0 tow-aways
Inspections
12
58% clean (no violations)
Vehicle out-of-service
8.3%
1 of 12
National avg 22.3%
Driver out-of-service
0.0%
0 of 3
National avg 6.7%
Violations
8
1 out-of-service
Inspected less often than interstate fleets of 50–99 trucks in Tennessee (about 106 in 24 months would be typical).
Inspections per quarter
With an out-of-service order
vs 4,136 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.023 | 0.026 |
| Inspections | 0.14 | 0.97 |
| Violations | 0.05 | 0.57 |
| Critical violations | 0.00 | 0.12 |
Yearly rates from the last 24 months. Peers: interstate fleets, 50–99 power units, medium-risk cargo.
What they get cited for
8 violations · 24 months-
Vehicle maintenance No alert8 · 1 OOSBrakes 3 · Cargo securement 1 · Wheels & hubs 1 · Other parts 3
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Unsafe driving No alert0
-
Hours of service No alert0
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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-
May202026TennesseeProperty damage onlyDaylight.
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Dec122025TennesseeInjury · 2 people hurtDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
1 of the 2 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 7, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
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$5,000,000 · Ace American Insurance Companyon record since Jul 14, 2025 · FMCSA minimum $5,000,000 · no gap on FMCSA's record since Feb 1998
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to Nov 7, 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 27, 1998)
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
15 filings and 2 authority events since 1998 · FMCSA record through Nov 7, 2026
Every insurance filing on the FMCSA record
15 filings and 2 authority events since 1998 · FMCSA record through Nov 7, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Jul 14, 2025Ace American Insurance CompanyLiability · $5,000,000 · on fileFMCSA's new system
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Nov 1, 2024ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Jul 14, 2025 · replaced by the same insurer (renewal)8 months in forceL&I to May 14, 2026
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Nov 1, 2023ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Nov 1, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Nov 1, 2022ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Nov 1, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Feb 9, 2019ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Nov 1, 2022 · replaced by the same insurer (renewal)45 months in forceL&I to May 14, 2026
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Jan 14, 2019FMCSA revocation notice for the operating authority, dropped Feb 15, 2019opened after RLI INSURANCE COMPANY filed a cancellation notice (effective Feb 9, 2019)L&I to May 14, 2026
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Feb 9, 2016RLI INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2019 · cancellation notice took effect36 months in forceL&I to May 14, 2026
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Feb 9, 2010NATIONAL INTERSTATE INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2016 · replaced by another insurera cancellation notice effective Mar 9, 2016 came after the replacement; 72 months in forceL&I to May 14, 2026
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Feb 9, 2008AMERICAN ALTERNATIVE INSURANCE CORPORATIONLiability · $2,000,000 · ended Feb 9, 2010 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Feb 9, 2008AMERICAN ALTERNATIVE INSURANCE CORPORATIONLiability (excess) · $3,000,000 over $2,000,000 · ended Feb 19, 2012 · cancellation notice took effect48 months in forceL&I to May 14, 2026
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Feb 9, 2003NATIONAL INTERSTATE INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2008 · replaced by another insurera cancellation notice effective Mar 10, 2008 came after the replacement; 60 months in forceL&I to May 14, 2026
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Feb 9, 2002NATIONAL INTERSTATE INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2003 · replaced by the same insurer (renewal)a cancellation notice effective Mar 12, 2003 came after the replacement; 12 months in forceL&I to May 14, 2026
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Feb 9, 2001ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2002 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 10, 2000ACE AMERICAN INSURANCE COMPANYLiability · $5,000,000 · ended Feb 9, 2001 · replaced by the same insurer (renewal)5 months in forceL&I to May 14, 2026
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Feb 9, 2000RELIANCE NATIONAL INDEMNITY COMPANYLiability · $5,000,000 · ended Sep 10, 2000 · superseded by the same policy7 months in forceL&I to May 14, 2026
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Aug 27, 1998Operating authority grantedL&I to May 14, 2026
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Feb 9, 1998RELIANCE NATIONAL INDEMNITY COMPANYLiability · $5,000,000 · ended Feb 9, 2000 · superseded by the same policy24 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
- Federal inspectors 8
- Missouri 3
- Tennessee (HQ) 1
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
12
Driver Insp
3
Driver OOS
0
Vehicle Insp
12
Vehicle OOS
1
| BASIC | Insp w/ Viol | Measure | Percentile | Alert |
|---|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | - | |
| HOS Compliance | 0 | 0.00 | - | |
| Driver Fitness | 0 | 0.00 | - | |
| Controlled Substances | 0 | 0.00 | - | |
| Vehicle Maintenance | 5 | 2.93 | - |
SMS record data is sourced from FMCSA's Safety Measurement System (08-MAY-26 – 22-NOV-24) 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.