MICHEL'S GARAGE INC
FMCSA Live Status
Fleet & equipment
- Power units
- 5
- Drivers · CDL
- 2 · 2
- Annual miles
- 20k unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 5 | 0 | 0 | 5 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Conditional (03-06-1989)historical — superseded by active authority (reviewed 37 yr ago)
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 06-22-2026 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- JEROME J. MICHEL, JR
- Officer
- PATRICIA MICHEL
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.
Fleets under 10 power units are graded against their size cohort (pu2_5) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.
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).
Not enough record to grade yet.
No inspections and 1 crash on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire fleets of 2–5 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-3 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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Little roadside historyOnly 0 inspections in 24 months for 5 power units; the record says little either way.Ask: confirm the fleet is operating at the filed size.
- 1 crash in 24 months. No injuries, no fatalities.
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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.
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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.
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Limited inspection historyFewer than 5 roadside inspections on record, so there isn't enough data to score this motor carrier with high confidence — the score leans more on peers.
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.100 | 0.032 |
| Inspections | 0.00 | 1.10 |
| Violations | 0.00 | 1.04 |
| Critical violations | 0.00 | 0.21 |
Yearly rates from the last 24 months. Peers: Small (advisory) power units, high-risk cargo.
What they get cited for
0 violations · 24 monthsNo violations on the FMCSA record in the last 24 months.
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Jun52025WisconsinProperty damage onlyDaylight, two-way trafficway divided unprotected median.
No other reportable crashes on the FMCSA record.
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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$1,000,000 · PIONEER SPECIALTY INSURANCE COMPANYon record since Feb 21, 2021 · FMCSA minimum $750,000 · no gap on FMCSA's record since Oct 1988
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Mar 5, 2021)
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
15 filings and 12 authority events since 1987 · 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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Mar 5, 2021Operating authority reinstatedL&I to May 14, 2026
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Mar 1, 2021Operating authority revoked (cause not stated)L&I to May 14, 2026
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Feb 21, 2021PIONEER SPECIALTY INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Feb 21, 2014GERMANTOWN MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Feb 21, 2021 · cancellation notice took effect84 months in forceL&I to May 14, 2026
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Jan 27, 2014FMCSA revocation notice for the operating authority, dropped Feb 5, 2014opened after EMPLOYERS MUTUAL CASUALTY CO. filed a cancellation notice (effective Feb 21, 2014)L&I to May 14, 2026
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Feb 21, 2009EMPLOYERS MUTUAL CASUALTY CO.Cargo · ended Feb 21, 2012 · cancellation notice took effect36 months in forceL&I to May 14, 2026
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Feb 21, 2009EMPLOYERS MUTUAL CASUALTY CO.Liability · $1,000,000 · ended Feb 21, 2014 · cancellation notice took effect60 months in forceL&I to May 14, 2026
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Nov 7, 2008NATIONAL INDEMNITY COMPANYCargo · ended Feb 21, 2009 · replaced by another insurer3 months in forceL&I to May 14, 2026
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Oct 14, 2008FMCSA revocation notice for the operating authority, dropped Nov 4, 2008cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Nov 7, 2007NATIONAL INDEMNITY COMPANYCargo · ended Nov 7, 2008 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 11, 2007FMCSA revocation notice for the operating authority, dropped Oct 25, 2007cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Nov 7, 2006NATIONAL INDEMNITY COMPANYCargo · ended Nov 7, 2007 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 11, 2006FMCSA revocation notice for the operating authority, dropped Nov 6, 2006cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Nov 7, 2005NATIONAL INDEMNITY COMPANYCargo · ended Nov 7, 2006 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 2, 2003Operating authority reinstatedL&I to May 14, 2026
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Aug 25, 2003Operating authority revoked (cause not stated)L&I to May 14, 2026
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Jun 1, 2003GENERAL CASUALTY COMPANY OF WISCONSINLiability · $1,000,000 · ended Feb 21, 2009 · replaced by another insurer69 months in forceL&I to May 14, 2026
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Jun 8, 2002INTERSTATE INDEMNITY COMPANYLiability · $1,000,000 · ended Jun 8, 2003 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jul 5, 2001FMCSA revocation notice for the operating authority, dropped Jul 18, 2001cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jun 8, 2001INTERSTATE INDEMNITY COMPANYLiability · $1,000,000 · ended Jun 8, 2002 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 8, 2000NATIONAL CASUALTY COMPANYLiability · $1,000,000 · ended Jun 8, 2001 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 8, 1999NATIONAL CASUALTY COMPANYLiability · $1,000,000 · ended Jun 8, 2000 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 24, 1988FMCSA revocation notice for the operating authority, dropped Nov 29, 1988cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Oct 24, 1988FMCSA revocation notice for the operating authority, dropped Nov 7, 1988cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Oct 22, 1988GENERAL CASUALTY COMPANY OF WISCONSINCargo · ended Nov 7, 2005 · replaced by another insurer205 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
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 (5 power units: 5 filed, 1 seen roadside in 24 months).
We'd expect a typical fleet of 5 power units this active to have about 0.1 crashes a year. This motor carrier recorded 1 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.3 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 0.1 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 3.3× 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 | 0 | 0.00 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 0 | 0.00 |
SMS record data is sourced from FMCSA's Safety Measurement System 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.