SCOTTY MCPHAIL INC
(601) 527-7729
scottymcphail@aim.com
14247 Hwy 21, Walnut Grove MS 39189
15
tractors · all owned
16 drivers
2.1M mi/yr · ~140k per unit
Marginal
FRED Score 36.2 / 100
Low confidence
26 yrs history · 52 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 15
- Drivers · CDL
- 16 · 16
- Annual miles
- 2.1M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 15 | 0 | 0 | 15 |
| Trailers | 18 | 0 | 0 | 18 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (11-04-2020) · 6 yr old
- Registered
- 08-08-2000 (26 yrs)
- MCS-150 Update
- 07-01-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- TAMMY MCPHAIL
- Officer
- SCOTTY MCPHAIL
Cargo
61.2
medium risk
Meat
Refrigerated Food
General Freight
Fresh Produce
Other: FROZEN CHICKENS
- High-Risk Cargo
- General Freight, 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 higher than similar fleets (about a 70% chance), but the record is too thin to say by how much.
Similar fleets: for-hire 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.
This motor carrier 1.41×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
1.1 vs 0.8 for similar fleets
Likely 0–3 crashes
This motor carrier
1.1
Similar fleets
0.8
Chance of a fatal crash, next 12 months
~3%
About 1.4× similar fleets.
What's driving the grade
Crash history
betterworse
Too little record to tell. 2 crashes on the FMCSA record in 24 months (about 1 a year), including 1 with injuries; similar fleets have about 0.8 a year. The grade counts 4 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Much worse than peers. Unsafe-driving and hours-of-service violations 3.04×, out-of-service orders 1.57× and violations 1.32× the rate expected for its inspections. Together they move its crash estimate +20%. 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 crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service11 out-of-service violations against drivers: 11 hours of service (Oct 2024 – Apr 2026).Ask: driver supervision and dispatch practices.
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Driver out-of-service rate17.3% of driver inspections end out of service vs 6.7% nationally (9 of 52). Across all its inspections, out-of-service orders run 1.57× what's expected for where and how it's inspected.
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Falsified logs3 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
Strengths
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 2
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
2
0 fatalities · 1 injury · 0 tow-aways
Inspections
52
42% clean (no violations)
Vehicle out-of-service
17.4%
4 of 23
National avg 22.3%
Driver out-of-service
17.3%
9 of 52
National avg 6.7%
Violations
60
15 out-of-service
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 1 inspection.
vs 16,659 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.067 | 0.031 |
| Inspections | 2.37 | 1.11 |
| Violations | 2.00 | 0.89 |
| Critical violations | 0.60 | 0.17 |
Yearly rates from the last 24 months. Peers: 10–19 power units, medium-risk cargo.
What they get cited for
60 violations · 24 months-
Vehicle maintenance No alert24 · 4 OOSLights 9 · Tires 6 · Brakes 3 · Other parts 6
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Hours of service No alert21 · 11 OOSLogbook / ELD paperwork 10 · No log 5 · False log 3 · Over hours limit 3
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Unsafe driving No alert15 · 0 OOSReckless / lane 7 · Speeding 5 · Other 3
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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-
Jan302026CaliforniaInjury · 1 person hurtDaylight, fog, two-way trafficway divided unprotected median.
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Jan122026CaliforniaProperty damage onlyDaylight, one-way trafficway not divided.
1 of the 2 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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$750,000 · HIGHLANDER SPECIALTY INSURANCE COMPANYon record since Jul 11, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Oct 2006
- Cargo filing
- on file · ESSEX INSURANCE COMPANY since Jul 14, 2010
36 months to May 14, 2026
- 4 liability insurers on FMCSA's record, 3 changes: ACCREDITED SPECIALTY INSURANCE COMPANY → HIGHLANDER SPECIALTY INSURANCE COMPANY (Jul 2025); TEXAS INSURANCE COMPANY → ACCREDITED SPECIALTY INSURANCE COMPANY (Jul 2024); BERKLEY CASUALTY COMPANY → TEXAS INSURANCE COMPANY (Jul 2023)
- 1 cancellation notice filed by an insurer; 1 took effect (the last Jul 11, 2025, replaced the same day)
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notice resolved in time: 1
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Jul 11, 2025)
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
41 filings and 28 authority events since 2001 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
41 filings and 28 authority events since 2001 · 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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Jul 11, 2025HIGHLANDER SPECIALTY INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Jun 16, 2025FMCSA revocation notice for the operating authority, dropped Jul 11, 2025opened after ACCREDITED SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Jul 11, 2025)L&I to May 14, 2026
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Jul 11, 2024ACCREDITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jul 11, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 14, 2023TEXAS INSURANCE COMPANYLiability · $750,000 · ended Jul 11, 2024 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jul 14, 2022BERKLEY CASUALTY COMPANYLiability · $750,000 · ended Jul 14, 2023 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jun 17, 2022FMCSA revocation notice for the operating authority, dropped Jul 14, 2022opened after PRIME INSURANCE COMPANY filed a cancellation notice (effective Jul 14, 2022)L&I to May 14, 2026
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Jul 14, 2021PRIME INSURANCE COMPANYLiability · $750,000 · ended Jul 14, 2022 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 17, 2021FMCSA revocation notice for the operating authority, dropped Jul 15, 2021opened after PRIME INSURANCE COMPANY filed a cancellation notice (effective Jul 14, 2021)L&I to May 14, 2026
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Jul 14, 2020PRIME INSURANCE COMPANYLiability · $750,000 · ended Jul 14, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 17, 2020FMCSA revocation notice for the operating authority, dropped Jul 14, 2020opened after PRIME INSURANCE COMPANY filed a cancellation notice (effective Jul 14, 2020)L&I to May 14, 2026
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Jul 14, 2019PRIME INSURANCE COMPANYLiability · $750,000 · ended Jul 14, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 17, 2019FMCSA revocation notice for the operating authority, dropped Jul 15, 2019opened after PRIME INSURANCE COMPANY filed a cancellation notice (effective Jul 14, 2019)L&I to May 14, 2026
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Nov 6, 2018PRIME INSURANCE COMPANYLiability · $750,000 · ended Jul 14, 2019 · cancellation notice took effect8 months in forceL&I to May 14, 2026
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Jul 14, 2018PRIME INSURANCE COMPANYLiability · $750,000 · ended Nov 6, 2018 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Jun 18, 2018FMCSA revocation notice for the operating authority, dropped Jul 16, 2018opened after CANAL INSURANCE CO. filed a cancellation notice (effective Jul 14, 2018)L&I to May 14, 2026
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May 4, 2018CANAL INSURANCE CO.Liability · $750,000 · ended Jul 14, 2018 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Jan 3, 2018CANAL INSURANCE CO.Liability · $750,000 · ended May 4, 2018 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Jul 14, 2017CANAL INSURANCE CO.Liability · $750,000 · ended Jan 3, 2018 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Oct 10, 2013PROGRESSIVE GULF INSURANCE COMPANYLiability · $1,000,000 · ended Jul 14, 2017 · replaced by another insurer45 months in forceL&I to May 14, 2026
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Jul 14, 2012PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $1,000,000 · ended Oct 10, 2013 · cancellation notice took effect15 months in forceL&I to May 14, 2026
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Jun 18, 2012FMCSA revocation notice for the operating authority, dropped Jul 17, 2012opened after OCCIDENTAL FIRE AND CASUALTY CO. OF N.C. filed a cancellation notice (effective Jul 14, 2012)L&I to May 14, 2026
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Aug 18, 2011OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $750,000 · ended Jul 14, 2012 · cancellation notice took effect11 months in forceL&I to May 14, 2026
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Jul 22, 2011FMCSA revocation notice for the operating authority, dropped Aug 3, 2011opened after CANAL INSURANCE CO. filed a cancellation notice (effective Aug 18, 2011)L&I to May 14, 2026
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Oct 26, 2010CANAL INSURANCE CO.Liability · $750,000 · ended Aug 18, 2011 · cancellation notice took effect10 months in forceL&I to May 14, 2026
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Sep 29, 2010FMCSA revocation notice for the operating authority, dropped Oct 21, 2010opened after CANAL INSURANCE CO. filed a cancellation notice (effective Oct 26, 2010)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
- California 10
- Mississippi (HQ) 10
- New Mexico 7
- Louisiana 6
- Arizona 5
- Georgia 5
- Alabama 2
- Kentucky 2
19% 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 (15 power units: 15 filed, 15 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.8
Actual, per year in window
1.3
Projected, next 12 mo
1.1
0
0.75
1.5
We'd expect a typical fleet of 15 power units this active to have about 0.8 crashes a year. This motor carrier recorded 4 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.3 a year) — about 1.7× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.1 over the next 12 — about 1.4× the 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.
Fatal-crash risk: about 3% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.4× that of 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:
49 inspections
and 4 crashes.
The FMCSA record tables now hold 51 inspections and 2 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
- 1 inspection with no out-of-service result
Confidence: Low · Z = 0.29
Marginal — 1.41x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.051 crashes per power-unit-year for a 15-unit for-hire fleet (pu10_19). Violations 1.20x (driver behaviour 3.04x, out-of-service 1.57x, all violations 1.32x; 49 inspections). Experience 1.18x: 2.3 decayed crashes against 1.4 expected over 36 months (credibility 0.29, a 3.43). 80% range 0.71–2.22x. Last change: no change since the last run.
No change since the previous weekly run.
Scoring flags
Thin record (low credibility: little exposure behind the grade)
(informational — no grade effect)
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
5.1 crashes per 100 power-unit-years
15 power units · 0.77 expected crashes a year
Violation relativity
1.20×
49 inspections in window
Crash experience
1.18×
2.3 decayed crashes vs 1.4 expected · credibility 0.29
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 1.41× (80% range 0.71–2.22×)
· band Marginal
· 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
52
Driver Insp
52
Driver OOS
9
Vehicle Insp
23
Vehicle OOS
4
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 13 | 5.43 | |
| HOS Compliance | 15 | 1.89 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 13 | 6.46 |
SMS record data is sourced from FMCSA's Safety Measurement System (02-APR-26 – 31-JUL-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.