FIVE STAR AUTO CENTERS OF SADDLE BROOK INC
FMCSA Live Status
Fleet & equipment
- Power units
- 23
- Drivers · CDL
- 16 · 2
- Annual miles
- 30k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 23 | 0 | 0 | 23 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Registered
- 08-15-2001 (25 yrs)
- MCS-150 Update
- 09-12-2024 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- MICHAEL MONTALBANO
Cargo
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
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).
Expected crash rate is probably higher than similar fleets (about an 80% chance), but the record is too thin to say by how much.
Similar fleets: for-hire fleets of 20–49 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
Per truck, fleets like this one are expected to crash about 0.4× as often as the median active fleet of 20–49 trucks.
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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Driver qualification2 out-of-service violations against drivers: 2 no valid CDL (Jan 2026 – Aug 2026).Ask: driver qualification files and hiring standards.
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Lights and tiresLights are 10 of 26 violations (38%). Light or tire defects led to 5 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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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
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.065 | 0.027 |
| Inspections | 0.17 | 0.77 |
| Violations | 0.57 | 0.44 |
| Critical violations | 0.07 | 0.09 |
Yearly rates from the last 24 months. Peers: 20–49 power units, high-risk cargo.
What they get cited for
26 violations · 24 months-
Vehicle maintenance No alert18 · 6 OOSLights 10 · Tires 2 · Brakes 1 · Other parts 5
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Driver fitness No alert5 · 2 OOSMedical certificate 3 · No valid CDL 2
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Unsafe driving No alert3 · 0 OOSSeat belt 1 · Other 2
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Hours of service No alert0
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
May142025New JerseyInjury · 1 person hurtWet road, daylight, rain, two-way trafficway divided positive barrier.
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Mar112025New JerseyProperty damage onlyDusk, two-way trafficway not divided.
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Nov182024New JerseyProperty damage onlyDark - lighted.
1 of the 3 crashes hurt someone but killed no one.
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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No liability filing on FMCSA's record through May 14, 2026.Last filing: PRIME PROPERTY & CASUALTY INSURANCE INC, ended Oct 19, 2025 (cancellation notice took effect).
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 2 liability insurers on FMCSA's record, 1 change: AMGUARD INSURANCE COMPANY → PRIME PROPERTY & CASUALTY INSURANCE INC (Oct 2023)
- 9 cancellation notices filed by insurers; 6 took effect (the last Oct 19, 2025, not replaced on FMCSA's record); 3 replaced before they took effect
- No liability filing on FMCSA's file since Oct 19, 2025 (8 days through May 14, 2026) while the authority required one
- FMCSA notices resolved in time: 7
Operating authority inactive (FMCSA's L&I record of May 14, 2026, status since Oct 27, 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
11 filings and 9 authority events since 2022 · 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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Oct 27, 2025Operating authority revoked (cause not stated)L&I to May 14, 2026
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Jul 11, 2025PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Oct 19, 2025 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jul 7, 2025FMCSA revocation notice for the operating authority, dropped Jul 14, 2025opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Jul 1, 2025)L&I to May 14, 2026
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Jun 19, 2025PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jul 11, 2025 · superseded by the same policya cancellation notice effective Jul 31, 2025 came after the replacement; 1 month in forceL&I to May 14, 2026
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Jun 13, 2025FMCSA revocation notice for the operating authority, dropped Jun 20, 2025opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Jul 1, 2025)L&I to May 14, 2026
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Jun 4, 2025PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jun 19, 2025 · superseded by the same policya cancellation notice effective Jul 10, 2025 came after the replacementL&I to May 14, 2026
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Jun 4, 2025FMCSA revocation notice for the operating authority, dropped Jun 5, 2025opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Jul 1, 2025)L&I to May 14, 2026
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Jan 9, 2025PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jun 4, 2025 · superseded by the same policya cancellation notice effective Jul 1, 2025 came after the replacement; 5 months in forceL&I to May 14, 2026
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Dec 13, 2024FMCSA revocation notice for the operating authority, dropped Dec 31, 2024opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Jan 9, 2025)L&I to May 14, 2026
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Oct 19, 2024PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jan 9, 2025 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Sep 23, 2024FMCSA revocation notice for the operating authority, dropped Oct 24, 2024opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Oct 19, 2024)L&I to May 14, 2026
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Jul 11, 2024PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Oct 19, 2024 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Mar 21, 2024PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jul 11, 2024 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Feb 23, 2024FMCSA revocation notice for the operating authority, dropped Mar 20, 2024opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Mar 21, 2024)L&I to May 14, 2026
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Jan 5, 2024PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Mar 21, 2024 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Dec 11, 2023FMCSA revocation notice for the operating authority, dropped Dec 18, 2023opened after PRIME PROPERTY & CASUALTY INSURANCE INC filed a cancellation notice (effective Jan 5, 2024)L&I to May 14, 2026
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Oct 19, 2023PRIME PROPERTY & CASUALTY INSURANCE INCLiability · $1,000,000 · ended Jan 5, 2024 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Oct 19, 2022AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Oct 19, 2023 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Mar 8, 2022Operating authority grantedL&I to May 14, 2026
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Feb 22, 2022AMGUARD INSURANCE COMPANYLiability · $1,000,000 · ended Oct 19, 2022 · replaced by the same insurer (renewal)8 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
- New Jersey (HQ) 4
- New York 2
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 (23 power units: 23 filed, 6 seen roadside in 24 months).
We'd expect a typical fleet of 23 power units this active to have about 0.3 crashes a year. This motor carrier recorded 5 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 1.7 a year) — about 5.0× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.7 over the next 12 — about 2.1× the typical fleet. 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.
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 | 3 | 1.17 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 5 | 2.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 4 | 20.40 |
SMS record data is sourced from FMCSA's Safety Measurement System (03-FEB-25 – 31-AUG-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.