UNDERWOOD'S TOWING INC
(478) 935-3778
cherylunderwood@cox.net
210 New Dunbar Rd, Byron GA 31008
12
power units · all owned
10 drivers
1.6M mi/yr · ~138k per unit
Not enough record
Graded once the record supports it
26 yrs history · 10 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 12
- Drivers · CDL
- 10 · 6
- Annual miles
- 1.6M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 9 | 0 | 0 | 9 |
| Tractors | 3 | 0 | 0 | 3 |
| Trailers | 3 | 0 | 0 | 3 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Conditional (04-12-2022)historical — superseded by active authority (reviewed 4 yr ago)
- Registered
- 11-14-2000 (26 yrs)
- MCS-150 Update
- 02-15-2025 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- CALLIE UNDERWOOD
- Officer
- CHERYL A UNDERWOOD
Cargo
76.2
high risk
Motor Vehicles
Drive/Tow Away
Machinery/Large Objects
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away, Machinery Large
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
Not enough record to grade yet.
10 inspections and 1 crash on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one. It leans worse than similar fleets (about a 60% chance), but not by enough to grade.
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.
80% likely range 0.56×–2.20×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
0.6 vs 0.4 for similar fleets
Likely 0–2 crashes
This motor carrier
0.6
Similar fleets
0.4
A record this thin can't pin that down: about a 1-in-3 chance it runs at Poor-level crash rates.
Ask
Loss runs for the last 3 years, and confirm the fleet is operating at its filed size (12 power units).
What the record shows
Crash history
betterworse
Leans worse, not yet proven. 1 crash on the FMCSA record in 24 months (about 0.5 a year); similar fleets have about 0.4 a year. The grade counts 4 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Worse than peers. Unsafe-driving and hours-of-service violations 1.25× the rate expected for its inspections. Together they barely move its crash estimate.
Worth a closer look
From the FMCSA record. The estimate already counts the safety items; insurance filings and links to other motor carriers are context only.
- Nothing on the FMCSA record stands out.
Strengths
- 1 crash in 24 months. No injuries, no fatalities.
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 1
-
Historical FMCSA safety ratingFMCSA once rated this motor carrier Conditional or Unsatisfactory, but the rating is stale or superseded — the motor carrier still holds active operating authority (a current Unsatisfactory would have it revoked), so it does not reflect current standing. Shown for context, not as a current finding.
Track record
FMCSA record, Dec 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
1
0 fatalities · 0 injuries · 0 tow-aways
Inspections
10
50% clean (no violations)
Vehicle out-of-service
100.0%
2 of 2
National avg 22.3%
Driver out-of-service
0.0%
0 of 10
National avg 6.7%
Violations
12
3 out-of-service
Inspections per quarter
With an out-of-service order
vs 1,440 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.042 | 0.026 |
| Inspections | 0.67 | 0.75 |
| Violations | 0.50 | 0.50 |
| Critical violations | 0.08 | 0.10 |
Yearly rates from the last 24 months. Peers: 10–19 power units, high-risk cargo.
What they get cited for
12 violations · 24 months-
Vehicle maintenance No alert8 · 3 OOSLights 4 · Cargo securement 1 · Wheels & hubs 1 · Other parts 2
-
Unsafe driving No alert4 · 0 OOSReckless / lane 2 · Seat belt 1 · Speeding 1
-
Hours of service No alert0
-
Driver fitness No alert0
-
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-
Mar42026GeorgiaProperty damage onlyDaylight.
No other reportable crashes on the FMCSA record.
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)
-
$750,000 · BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANon record since May 12, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Nov 2016
- 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: CYPRESS INSURANCE COMPANY (CA) → BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN (Mar 2025)
- 5 cancellation notices filed by insurers; 3 took effect (the last Mar 5, 2026, replaced the same day); 2 replaced before they took effect
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notices resolved in time: 5
Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 13, 2026)
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
17 filings and 15 authority events since 2016 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
17 filings and 15 authority events since 2016 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
May 12, 2026BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · on fileL&I to May 14, 2026
-
Apr 20, 2026FMCSA revocation notice for the operating authority, dropped May 13, 2026opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective May 15, 2026)L&I to May 14, 2026
-
Mar 5, 2026BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended May 12, 2026 · superseded by the same policya cancellation notice effective May 15, 2026 came after the replacement; 2 months in forceL&I to May 14, 2026
-
Feb 6, 2026FMCSA revocation notice for the operating authority, dropped Mar 6, 2026opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Mar 5, 2026)L&I to May 14, 2026
-
Mar 5, 2025BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Mar 5, 2026 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Feb 6, 2025FMCSA revocation notice for the operating authority, dropped Mar 6, 2025opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Mar 5, 2025)L&I to May 14, 2026
-
Nov 14, 2024CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Mar 5, 2025 · cancellation notice took effect4 months in forceL&I to May 14, 2026
-
Oct 25, 2024FMCSA revocation notice for the operating authority, dropped Nov 15, 2024opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Nov 21, 2024)L&I to May 14, 2026
-
Mar 21, 2024CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Nov 14, 2024 · superseded by the same policya cancellation notice effective Nov 21, 2024 came after the replacement; 8 months in forceL&I to May 14, 2026
-
Mar 5, 2024CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Mar 21, 2024 · superseded by the same policya cancellation notice effective Apr 20, 2024 came after the replacement; 1 month in forceL&I to May 14, 2026
-
Feb 7, 2024FMCSA revocation notice for the operating authority, dropped Mar 6, 2024opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Mar 5, 2024)L&I to May 14, 2026
-
Mar 24, 2023CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Mar 5, 2024 · cancellation notice took effect11 months in forceL&I to May 14, 2026
-
Mar 24, 2023FMCSA revocation notice for the operating authority, dropped Mar 27, 2023opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Apr 20, 2023)L&I to May 14, 2026
-
Mar 5, 2023CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Mar 24, 2023 · superseded by the same policya cancellation notice effective Apr 20, 2023 came after the replacement; 1 month in forceL&I to May 14, 2026
-
Feb 6, 2023FMCSA revocation notice for the operating authority, dropped Mar 8, 2023opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Mar 5, 2023)L&I to May 14, 2026
-
Mar 28, 2022CYPRESS INSURANCE COMPANY (CA)Liability · $1,000,000 · ended Mar 5, 2023 · cancellation notice took effect11 months in forceL&I to May 14, 2026
-
Mar 28, 2022FMCSA revocation notice for the operating authority, dropped Mar 29, 2022opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Apr 22, 2022)L&I to May 14, 2026
-
Mar 5, 2022CYPRESS INSURANCE COMPANY (CA)Liability · $1,000,000 · ended Mar 28, 2022 · superseded by the same policya cancellation notice effective Apr 22, 2022 came after the replacement; 1 month in forceL&I to May 14, 2026
-
Feb 8, 2022CYPRESS INSURANCE COMPANY (CA)Liability · $1,000,000 · ended Mar 5, 2022 · replaced by the same insurer (renewal)a cancellation notice effective Mar 10, 2022 came after the replacement; 1 month in forceL&I to May 14, 2026
-
Feb 7, 2022FMCSA revocation notice for the operating authority, dropped Mar 8, 2022opened after CYPRESS INSURANCE COMPANY (CA) filed a cancellation notice (effective Mar 5, 2022)L&I to May 14, 2026
-
Mar 5, 2021CYPRESS INSURANCE COMPANY (CA)Liability · $750,000 · ended Feb 8, 2022 · superseded by the same policya cancellation notice effective Mar 5, 2022 came after the replacement; 11 months in forceL&I to May 14, 2026
-
Feb 8, 2021FMCSA revocation notice for the operating authority, dropped Mar 5, 2021opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Mar 5, 2021)L&I to May 14, 2026
-
Mar 5, 2020AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Mar 5, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
-
Feb 7, 2020FMCSA revocation notice for the operating authority, dropped Mar 6, 2020opened after AMGUARD INSURANCE COMPANY filed a cancellation notice (effective Mar 5, 2020)L&I to May 14, 2026
-
Mar 5, 2019AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Mar 5, 2020 · cancellation notice took effect12 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
- Georgia (HQ) 10
How the estimate is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
How the estimate 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 (12 power units: 12 filed, 6 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.4
Actual, per year in window
1.3
Projected, next 12 mo
0.6
0
0.75
1.5
We'd expect a typical fleet of 12 power units this active to have about 0.4 crashes a year. This motor carrier recorded 4 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.3 a year) — about 3.1× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.6 over the next 12 — about 1.3× 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 2% chance in the next 12 months
Modeled fatal-crash rate is roughly 1.3× 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:
10 inspections
and 4 crashes.
The FMCSA record tables now hold 10 inspections and 1 crash in that window — the SMS data moved after this grade was computed.
Why there is no grade.
Every grade but Satisfactory needs at least a 60% posterior past its cut; Satisfactory is what is left when none
passes. Here the 80% likely range (0.56×–2.20×)
still runs from below the Excellent cut (0.60×) to above the Poor cut (1.57×), so the record can't
separate a best-in-class fleet from a poor one and the page shows no grade and no FRED Score. The forecasts are
unchanged: in backtests, records this thin crash at their forecast on average but scatter about 2.6× as
widely around it as records that support a Satisfactory grade.
Confidence: Low · Z = 0.22
Satisfactory — 1.31x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.036 crashes per power-unit-year for a 12-unit for-hire fleet (pu10_19). Violations 1.02x (driver behaviour 1.25x, out-of-service 1.13x, all violations 0.82x; 10 inspections). Experience 1.28x: 1.6 decayed crashes against 0.7 expected over 36 months (credibility 0.22, a 2.46). 80% range 0.56–2.20x. 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
3.6 crashes per 100 power-unit-years
12 power units · 0.43 expected crashes a year
Violation relativity
1.02×
10 inspections in window
Crash experience
1.28×
1.6 decayed crashes vs 0.7 expected · credibility 0.22
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 1.31× (80% range 0.56–2.20×)
· band Marginal → displayed 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
10
Driver Insp
10
Driver OOS
0
Vehicle Insp
2
Vehicle OOS
2
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 4 | 1.08 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 2 | 14.75 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-DEC-25 – 30-JUL-26) 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.