SHIPPERS CHOICE TRANSPORTATION LLC
(731) 967-0330
kevin@myshipperschoice.com
2390 Highway 100, Reagan TN 38368-6225
62
tractors
62 drivers
4.8M mi/yr · ~78k per unit
Satisfactory
FRED Score 56.7 / 100
Moderate confidence
25 yrs history · 154 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 62
- Drivers · CDL
- 62 · 60
- Annual miles
- 4.8M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 42 | 20 | 0 | 62 |
| Trailers | 163 | 2 | 0 | 165 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (03-21-2005) · 21 yr old
- Registered
- 05-04-2001 (25 yrs)
- MCS-150 Update
- 06-24-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- SHAWN COLE
Cargo
65.1
medium risk
Household Goods
Motor Vehicles
Metal: Sheets/Coils/Rolls
Machinery/Large Objects
Intermodal Containers
Oilfield Equipment
General Freight
Logs/Poles/Beams/Lumber
Building Materials
Fresh Produce
Other: SCRAP METAL VEHICLES
Grain/Feed/Hay
Dry Bulk
Paper Products
Utility
Farm Supplies
Construction
- High-Risk Cargo
- Motor Vehicles, Machinery Large, Oilfield Equipment, General Freight, Household Goods
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 about the same as similar fleets.
Similar fleets: for-hire fleets of 50–99 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 0.98×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
3.3 vs 3.4 for similar fleets
Likely 1–6 crashes
This motor carrier
3.3
Similar fleets
3.4
Chance of a fatal crash, next 12 months
~9%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
Leans better, not yet proven. 4 crashes on the FMCSA record in 24 months (about 2 a year), including 2 with injuries; similar fleets have about 3.4 a year. The grade counts 7 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 2.44×, out-of-service orders 1.65× and violations 1.46× the rate expected for its inspections. Together they move its crash estimate +18%. 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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New since the grade was set1 crash after Aug 31, 2026. Not in the grade yet.
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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: 7 hours of service, 1 no valid CDL, 1 medical certificate (Apr 2025 – Sep 2026).Ask: driver supervision and dispatch practices.
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Brakes and cargo securementBrakes are 82 of 312 violations (26%). Brake or cargo securement defects led to 44 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Vehicle out-of-service rate52.9% of vehicle inspections end out of service vs 22.3% nationally (54 of 102). Across all its inspections, out-of-service orders run 1.65× 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
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Dangerous driving: 7
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High speeding: 6
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
4
0 fatalities · 2 injuries · 0 tow-aways
Inspections
154
34% clean (no violations)
Vehicle out-of-service
52.9%
54 of 102
National avg 22.3%
Driver out-of-service
5.2%
8 of 154
National avg 6.7%
Violations
312
92 out-of-service
Inspections per quarter
With an out-of-service order
vs 4,520 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.040 | 0.025 |
| Inspections | 1.88 | 0.91 |
| Violations | 2.52 | 0.53 |
| Critical violations | 0.40 | 0.11 |
Yearly rates from the last 24 months. Peers: 50–99 power units, medium-risk cargo.
What they get cited for
312 violations · 24 months-
Vehicle maintenance No alert247 · 83 OOSBrakes 82 · Cargo securement 50 · Lights 49 · Tires 25 · Steering & suspension 4 · 37 more
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Hours of service No alert41 · 7 OOSLogbook / ELD paperwork 22 · No log 9 · Over hours limit 7 · False log 3
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Unsafe driving No alert22 · 0 OOSReckless / lane 11 · Speeding 7 · Seat belt 3 · Phone use 1
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Driver fitness No alert2 · 2 OOSMedical certificate 1 · No valid CDL 1
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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-
Sep12026IndianaInjury · 1 person hurtDark - not lighted.
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Mar302026MissouriProperty damage onlyDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Nov32025FloridaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Oct12025OhioInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median. Citation issued.
2 of the 4 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
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$750,000 · Spinnaker Insurance Companyon record since Aug 1, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jul 2001
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to Nov 2, 2026
- 2 liability insurers on FMCSA's record, 1 change: CANAL INSURANCE CO. → Spinnaker Insurance Company (Aug 2025)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Jul 2, 2001)
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
25 filings and 11 authority events since 2001 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
25 filings and 11 authority events since 2001 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Aug 1, 2025Spinnaker Insurance CompanyLiability · $750,000 · on fileFMCSA's new system
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Aug 1, 2023CANAL INSURANCE CO.Liability · $750,000 · ended Aug 1, 2025 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Aug 1, 2022CANAL INSURANCE CO.Liability · $750,000 · ended Aug 1, 2023 · replaced by the same insurer (renewal)a cancellation notice effective Aug 11, 2023 came after the replacement; 12 months in forceL&I to May 14, 2026
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Aug 1, 2020GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Aug 1, 2022 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Jul 6, 2020FMCSA revocation notice for the operating authority, dropped Jul 31, 2020opened after STARR INDEMNITY & LIABILITY INSURANCE COMPANY filed a cancellation notice (effective Aug 1, 2020)L&I to May 14, 2026
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Aug 1, 2019STARR INDEMNITY & LIABILITY INSURANCE COMPANYLiability · $750,000 · ended Aug 1, 2020 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 5, 2019FMCSA revocation notice for the operating authority, dropped Aug 1, 2019opened after STARR INDEMNITY & LIABILITY INSURANCE COMPANY filed a cancellation notice (effective Aug 1, 2019)L&I to May 14, 2026
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Aug 1, 2018STARR INDEMNITY & LIABILITY INSURANCE COMPANYLiability · $750,000 · ended Aug 1, 2019 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 5, 2018FMCSA revocation notice for the operating authority, dropped Jul 30, 2018opened after STARR INDEMNITY & LIABILITY INSURANCE COMPANY filed a cancellation notice (effective Aug 1, 2018)L&I to May 14, 2026
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Aug 1, 2017STARR INDEMNITY & LIABILITY INSURANCE COMPANYLiability · $750,000 · ended Aug 1, 2018 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 1, 2016THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $750,000 · ended Aug 1, 2017 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jul 5, 2016FMCSA revocation notice for the operating authority, dropped Jul 29, 2016opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Aug 1, 2016)L&I to May 14, 2026
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Aug 1, 2015THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $750,000 · ended Aug 1, 2016 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 6, 2015FMCSA revocation notice for the operating authority, dropped Aug 3, 2015opened after THE INSURANCE CO OF THE STATE OF PENNSYLVANIA filed a cancellation notice (effective Aug 1, 2015)L&I to May 14, 2026
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Aug 1, 2014THE INSURANCE CO OF THE STATE OF PENNSYLVANIALiability · $1,000,000 · ended Aug 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Aug 1, 2013STATE AUTOMOBILE MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Aug 1, 2014 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Aug 1, 2012NEW YORK MARINE & GENERAL INS. CO.Liability · $750,000 · ended Aug 1, 2013 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jul 10, 2011GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Aug 1, 2012 · replaced by another insurer13 months in forceL&I to May 14, 2026
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Jul 10, 2009SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Jul 10, 2011 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Jul 10, 2008MAXUM CASUALTY INSURANCE COMPANYLiability · $750,000 · ended Jul 10, 2009 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Apr 1, 2008HARTFORD FIRE INSURANCE COMPANYCargo · ended Apr 16, 2020 · cancellation notice took effect144 months in forceL&I to May 14, 2026
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Jul 10, 2007LINCOLN GENERAL INSURANCE COMPANYLiability · $750,000 · ended Jul 10, 2008 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jun 13, 2007FMCSA revocation notice for the operating authority, dropped Jul 11, 2007opened after OCCIDENTAL FIRE AND CASUALTY CO. OF N.C. filed a cancellation notice (effective Jul 10, 2007)L&I to May 14, 2026
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Jan 10, 2007OCCIDENTAL FIRE AND CASUALTY CO. OF N.C.Liability · $750,000 · ended Jul 10, 2007 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Dec 14, 2006FMCSA revocation notice for the operating authority, dropped Jan 11, 2007opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Jan 10, 2007)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
- Missouri 26
- Tennessee (HQ) 25
- Kentucky 17
- Alabama 14
- Arkansas 11
- Mississippi 7
- Texas 7
- Iowa 6
16% 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 (65 power units: 62 filed, 65 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
3.4
Actual, per year in window
2.3
Projected, next 12 mo
3.3
0
2
4
We'd expect a typical fleet of 65 power units this active to have about 3.4 crashes a year (sized from the 65 units seen roadside; 62 filed). This motor carrier recorded 7 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.3 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 3.3 over the next 12. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.3× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 9% 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:
151 inspections
and 7 crashes.
The FMCSA record tables now hold 154 inspections and 3 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
Not yet scored — crashes after Aug 31, 2026, inspections after Sep 30, 2026
Inspections count through the end of the latest full month of FMCSA data. Crash reports reach FMCSA weeks late, so crashes wait 1 month more. Both enter the grade as the window moves forward each month.
- Crash Sep 1, 2026 · IN · 1 injury, 0 fatalities · engine severity weight 5
Confidence: Moderate · Z = 0.49
Satisfactory — 0.98x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.052 crashes per power-unit-year for a 65-unit for-hire fleet (pu50_99). Violations 1.18x (driver behaviour 2.44x, out-of-service 1.65x, all violations 1.46x; 151 inspections). Experience 0.82x: 4.0 decayed crashes against 6.2 expected over 36 months (credibility 0.49, a 6.55). 80% range 0.60–1.40x. Fleet sized at 65 units from roadside VINs (62 filed). 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
5.2 crashes per 100 power-unit-years
65 power units (62 filed, 65 seen roadside) · 3.40 expected crashes a year
Violation relativity
1.18×
151 inspections in window
Crash experience
0.82×
4.0 decayed crashes vs 6.2 expected · credibility 0.49
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 0.98× (80% range 0.60–1.40×)
· 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
154
Driver Insp
154
Driver OOS
8
Vehicle Insp
102
Vehicle OOS
54
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 20 | 4.06 | |
| HOS Compliance | 29 | 1.17 | |
| Driver Fitness | 2 | 0.08 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 78 | 10.01 |
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.