LORENZO A CARDENAS
DBA: S & C EXPRESS
FMCSA Live Status
Fleet & equipment
- Power units
- 4
- Drivers · CDL
- 4 · 4
- Annual miles
- 129k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 4 | 0 | 0 | 4 |
| Trailers | 6 | 0 | 0 | 6 |
Registration
- Organization
- INDIVIDUAL
- Registered
- 01-25-2001 (25 yrs)
- MCS-150 Update
- 09-20-2024 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- LORENZO CARDENAS
Cargo
- High-Risk Cargo
- General Freight
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.
Fleets under 10 power units are graded against their size cohort (pu6_9) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.
Not enough record to grade yet.
35 inspections and no crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: interstate fleets of 6–9 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
A record this thin can't pin that down: about a 1-in-5 chance it runs at Poor-level crash rates.
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.
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FMCSA BASIC alertOver FMCSA's intervention threshold in drugs & alcohol.Ask: any FMCSA warning letters and the corrective-action plan.
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Lapse in liability filings282 days without a liability filing on FMCSA's record (May 15, 2023 – Feb 21, 2024) while the authority required one. A filing received later can be back-dated and close a lapse. Not in the grade.Ask: what covered the fleet during the gap.
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Drivers put out of service8 out-of-service violations against drivers: 3 no valid CDL, 3 hours of service, 2 medical certificate (Mar 2025 – Jul 2026).Ask: driver supervision and dispatch practices.
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Driver out-of-service rate17.2% of driver inspections end out of service vs 6.7% nationally (5 of 29). Across all its inspections, out-of-service orders run 1.43× 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.
- No reportable crashes in 24 months.
Track record
Inspected more often than interstate fleets of 2–5 trucks in California (about 12 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.043 |
| Inspections | 4.88 | 1.58 |
| Violations | 11.00 | 1.56 |
| Critical violations | 1.88 | 0.29 |
Yearly rates from the last 24 months. Peers: interstate fleets, Small (advisory) power units, medium-risk cargo.
What they get cited for
87 violations · 24 months-
Vehicle maintenance No alert57 · 7 OOSBrakes 16 · Lights 16 · Tires 5 · Wheels & hubs 3 · Steering & suspension 2 · 15 more
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Hours of service No alert21 · 3 OOSLogbook / ELD paperwork 16 · False log 3 · No log 2
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Driver fitness No alert5 · 5 OOSNo valid CDL 3 · Medical certificate 2
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Unsafe driving No alert4 · 0 OOSSeat belt 2 · Reckless / lane 1 · Speeding 1
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Drugs & alcohol FMCSA 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)
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$750,000 · UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)on record since Apr 30, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Feb 2024
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 3 liability insurers on FMCSA's record, 2 changes: SUTTON SPECIALTY INSURANCE CO → UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (Apr 2026); ACCREDITED SURETY AND CASUALTY COMPANY, INC. → SUTTON SPECIALTY INSURANCE CO (Feb 2026)
- 5 cancellation notices filed by insurers; 4 took effect (the last Apr 29, 2026, replaced 1 day later); 1 replaced before it took effect
- 282 days without a liability filing (May 15, 2023 – Feb 21, 2024) while the authority required one; a later back-dated filing can close a lapse
- FMCSA notices resolved in time: 3
Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 4, 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
33 filings and 18 authority events since 2000 · 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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Apr 30, 2026UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · on fileL&I to May 14, 2026
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Apr 2, 2026FMCSA revocation notice for the operating authority, dropped May 4, 2026opened after SUTTON SPECIALTY INSURANCE CO filed a cancellation notice (effective Apr 29, 2026)L&I to May 14, 2026
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Feb 25, 2026SUTTON SPECIALTY INSURANCE COLiability · $750,000 · ended Apr 29, 2026 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Jan 26, 2026FMCSA revocation notice for the operating authority, dropped Feb 26, 2026opened after ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed a cancellation notice (effective Feb 21, 2026)L&I to May 14, 2026
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May 21, 2025ACCREDITED SURETY AND CASUALTY COMPANY, INC.Liability · $750,000 · ended Feb 21, 2026 · cancellation notice took effect9 months in forceL&I to May 14, 2026
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Feb 21, 2025ACCREDITED SURETY AND CASUALTY COMPANY, INC.Liability · $750,000 · ended May 21, 2025 · superseded by the same policya cancellation notice effective Jun 18, 2025 came after the replacement; 3 months in forceL&I to May 14, 2026
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Jan 27, 2025FMCSA revocation notice for the operating authority, dropped Feb 24, 2025opened after ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed a cancellation notice (effective Feb 21, 2025)L&I to May 14, 2026
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Feb 21, 2024ACCREDITED SURETY AND CASUALTY COMPANY, INC.Liability · $750,000 · ended Feb 21, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 18, 2023FMCSA revocation notice for the operating authority, dropped May 8, 2023opened after ACCREDITED SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective May 15, 2023)L&I to May 14, 2026
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Feb 21, 2023ACCREDITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended May 15, 2023 · cancellation notice took effecta cancellation notice effective Sep 28, 2023 came after the replacement; 3 months in forceL&I to May 14, 2026
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Feb 21, 2022UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Feb 21, 2023 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jan 27, 2022FMCSA revocation notice for the operating authority, dropped Feb 24, 2022opened after UNITED SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Feb 23, 2022)L&I to May 14, 2026
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Feb 21, 2021UNITED SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Feb 23, 2022 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 25, 2021FMCSA revocation notice for the operating authority, dropped Feb 25, 2021opened after HUDSON INSURANCE COMPANY filed a cancellation notice (effective Feb 21, 2021)L&I to May 14, 2026
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Feb 21, 2020HUDSON INSURANCE COMPANYLiability · $1,000,000 · ended Feb 21, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 27, 2020FMCSA revocation notice for the operating authority, dropped Feb 24, 2020opened after CRUSADER INSURANCE COMPANY filed a cancellation notice (effective Feb 21, 2020)L&I to May 14, 2026
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Feb 21, 2019CRUSADER INSURANCE COMPANYLiability · $750,000 · ended Feb 21, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 25, 2019FMCSA revocation notice for the operating authority, dropped Feb 19, 2019opened after CRUSADER INSURANCE COMPANY filed a cancellation notice (effective Feb 21, 2019)L&I to May 14, 2026
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Feb 21, 2018CRUSADER INSURANCE COMPANYLiability · $750,000 · ended Feb 21, 2019 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Feb 21, 2016SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Feb 21, 2018 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Feb 21, 2011LANCER INSURANCE COMPANYLiability · $1,000,000 · ended Feb 21, 2016 · replaced by another insurera cancellation notice effective Mar 31, 2016 came after the replacement; 60 months in forceL&I to May 14, 2026
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Jan 25, 2011FMCSA revocation notice for the operating authority, dropped Feb 24, 2011opened after CRUSADER INSURANCE COMPANY filed a cancellation notice (effective Feb 21, 2011)L&I to May 14, 2026
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Feb 21, 2010CRUSADER INSURANCE COMPANYLiability · $1,000,000 · ended Feb 21, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jan 25, 2010FMCSA revocation notice for the operating authority, dropped Feb 17, 2010opened after CRUSADER INSURANCE COMPANY filed a cancellation notice (effective Feb 21, 2010)L&I to May 14, 2026
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Feb 21, 2009CRUSADER INSURANCE COMPANYLiability · $1,000,000 · ended Feb 21, 2010 · 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
- California (HQ) 22
- Arizona 7
- Nevada 6
63% of inspections were in its home state.
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 (6 power units: 4 filed, 6 seen roadside in 24 months).
We'd expect a typical fleet of 6 power units this active to have about 0.2 crashes a year (sized from the 6 units seen roadside; 4 filed). This motor carrier recorded 0 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.0 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 0.2 over the next 12.
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 | 4 | 9.93 | |
| HOS Compliance | 12 | 2.14 | |
| Driver Fitness | 4 | 1.03 | |
| Controlled Substances | 1 | 0.35 | |
| Vehicle Maintenance | 21 | 9.55 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 31-JAN-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.