TOP-TEN EXPRESS CORP
DBA: TOP-TEN EXPRESS
Joins 109 roadside inspections (24 mo), 1 authority docket, BIPD on file (GREAT WEST CASUALTY CO.) from FMCSA public filings. Data as of Nov 1, 2026. Booking triage is above; confirm on SAFER before tendering.
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.
- 1 fatality on crash record 47 FMCSA-reportable crashes on file. Details →
Plain-text risk summary (print / paste)
TruckCodex risk summary — TOP-TEN EXPRESS CORP (USDOT 1625877) Verdict: CAUTION Book with caution — review signals below No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking. Authority / census status: Active Active BIPD limit: $1,000,000 Blockers: (none) Cautions: • 1 fatality on crash record — 47 FMCSA-reportable crashes on file. On file: • 2 active operating authorities • Insurance on file · $1,000,000 — GREAT WEST CASUALTY CO. · 91X • BOC-3 process agent on file — DOTPROCESSAGENTS.COM LLC Source: https://truckcodex.com/usdot/1625877/ As of: Nov 1, 2026 Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
FMCSA census as of Nov 1, 2026 · Sources · Freshness · Methodology · Disclaimer
TruckCodex · filing & peer scorecard
TruckCodex filing & peer scorecard · A
Composite of 3/5 scored components (mean 100/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
A
confidence 60% · 3/5 signals · expand
TruckCodex filing & peer scorecard · A
Composite of 3/5 scored components (mean 100/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
Active census status with no OOS order or revoked authority on file.
Active BIPD/Primary-like policy on file in our insurance history.
Peer OOS benchmark unavailable (missing power units, OOS rates, or fewer than 5 same-size peers).
NR reason: Peer OOS benchmark not available for this carrier.
FMCSA has not assigned this carrier a formal safety rating. We do not invent one.
NR reason: No published FMCSA safety_rating.
No BMC-91 insurance-lapse watch classification on file for this USDOT.
TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Caution.
Company profile
No active FMCSA cargo filing on file.
FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.
No active broker surety bond or trust fund on file.
BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.
Based on FMCSA authority grant of 2007-05-07 (2,000+ days). Published gates only — not a guarantee they will accept. Confirm with the broker.
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InsuranceGREAT WEST CASUALTY CO.Policy effective Apr 23, 2026
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Process AgentDOTPROCESSAGENTS.COM LLCBOC-3 on file
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Operating AuthorityMC600068ACTIVE
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 63 | 35 | 0 |
| Trailers | 37 | 92 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Accident reports (24 months)
All 47 crashes →| Last 6 months | 6–12 months | 12–24 months | Total | |
|---|---|---|---|---|
| Fatalities | 0 | 0 | 1 | 1 |
| Injuries | 0 | 2 | 4 | 6 |
| Tow-away | 0 | 2 | 6 | 8 |
| Crash reports | 0 | 2 | 7 | 9 |
Reportable crashes from FMCSA MCMIS for the trailing 24 months. Counts may differ slightly from SAFER due to reporting lag.
Inspections (24 months)
All 199 inspections →| Driver | Vehicle | Hazmat | |
|---|---|---|---|
| Inspections | 109 | 109 | 0 |
| OOS inspections | 1 | 7 | 0 |
| OOS percentage | 0.92% | 6.42% | — |
| National average | 6.7% | 23.4% | 4.4% |
Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).
Risk Signals
Inspection Analytics Monthly activity · BASIC mix · state map
Monthly Inspection Activity (35 months)
Violations by BASIC Category
Activity by State
| State | Inspections | OOS | OOS % | Last Inspection |
|---|---|---|---|---|
| Illinois (IL) | 30 | 0 | 0.0% | Sep 27, 2026 |
| Ohio (OH) | 12 | 2 | 16.7% | Oct 6, 2026 |
| Wisconsin (WI) | 11 | 0 | 0.0% | May 27, 2026 |
| Florida (FL) | 10 | 0 | 0.0% | Sep 30, 2026 |
| Pennsylvania (PA) | 7 | 1 | 14.3% | Oct 28, 2026 |
| New Jersey (NJ) | 6 | 0 | 0.0% | Sep 14, 2026 |
| Georgia (GA) | 6 | 0 | 0.0% | Apr 19, 2026 |
| New York (NY) | 5 | 0 | 0.0% | Jul 23, 2025 |
| Maryland (MD) | 4 | 1 | 25.0% | Jan 19, 2026 |
| Tennessee (TN) | 4 | 0 | 0.0% | Sep 1, 2026 |
| Indiana (IN) | 3 | 0 | 0.0% | Oct 18, 2026 |
| New Mexico (NM) | 2 | 1 | 50.0% | May 6, 2025 |
| Connecticut (CT) | 2 | 2 | 100.0% | Aug 19, 2026 |
| Delaware (DE) | 1 | 1 | 100.0% | Jun 17, 2025 |
| Colorado (CO) | 1 | 0 | 0.0% | Oct 21, 2025 |
| Texas (TX) | 1 | 0 | 0.0% | Apr 11, 2025 |
| Arizona (AZ) | 1 | 0 | 0.0% | Apr 18, 2025 |
| Massachusetts (MA) | 1 | 0 | 0.0% | Jun 22, 2026 |
| Missouri (MO) | 1 | 0 | 0.0% | Apr 8, 2026 |
| Kentucky (KY) | 1 | 0 | 0.0% | Jun 16, 2026 |
Vehicle Fleet Top makes and models observed in roadside inspections
| Make | Model | Inspections |
|---|---|---|
| Volvo | 116 | |
| Utility | 93 | |
| Freightliner | 39 | |
| Great Dane | 24 | |
| Hyundai Translead | 7 |
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 0 | — | 0.00 | 0 | — | Oct 26, 2026 |
| Controlled Substances / Alcohol | 0 | — | 0.00 | 0 | — | Oct 26, 2026 |
| Hours of Service | 4 | — | 0.21 | 0 | — | Oct 26, 2026 |
| Unsafe Driving | 18 | — | 1.78 | 2 | — | Oct 26, 2026 |
| Vehicle Maintenance | 17 | — | 4.64 | 5 | — | Oct 26, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (199 rows) View all 199 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 89381104 | Oct 28, 2026 | PA | 3 | LOWER NAZARETH TWP PA | — | 1 | 392.2-SLLTCD | No |
| 89360319 | Oct 26, 2026 | PA | 3 | PA |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 89332722 | Oct 22, 2026 | PA | 3 | BEAVER TWP PA |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 89295453 | Oct 18, 2026 | IN | 3 | PORTAGE IN |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2-SLLS4 | No |
| 89203460 | Oct 7, 2026 | PA | 3 | KIDDER TOWNSHIP PA | — | 3 | 395.8E-HOSPDOOS, 392.2-SLLS3, 395.30E-ELDMCCD | Yes |
| 89204666 | Oct 6, 2026 | OH | 1 | TOLEDO OH | — | 0 | — | No |
| 89158154 | Sep 30, 2026 | FL | 3 | JASPER FL |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 89131806 | Sep 27, 2026 | IL | 3 | — |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 89028469 | Sep 16, 2026 | PA | 3 | SPRINGFIELD TOWNSHIP PA |
VOLVO TRUCK TRUCK TRACTOR
|
1 | 392.2-SLLTCD | No |
| 88986946 | Sep 14, 2026 | NJ | 3 | GREENWICH SCALE EB | — | 0 | — | No |
| 88935480 | Sep 8, 2026 | NJ | 3 | GREENWICH SCALE EB |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 88887060 | Sep 1, 2026 | TN | 3 | MANCHESTER TN |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 88813686 | Aug 24, 2026 | IL | 3 | I-94 |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 88734783 | Aug 19, 2026 | CT | 2 | GREENWICH |
VOLVO TRUCK TRUCK TRACTOR
|
2 | 393.75A3-TAOL, 393.45D-B | Yes |
| 88704316 | Aug 13, 2026 | IL | 3 | — |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 88639079 | Aug 7, 2026 | PA | 3 | — |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2-SLLSR | No |
| 88205515 | Jun 22, 2026 | MA | 3 | H-AUBURN |
FREIGHTLINER TRUCK TRACTOR
|
1 | 390.21TB2-DOT | No |
| 88161583 | Jun 16, 2026 | KY | 3 | — |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 88125555 | Jun 11, 2026 | FL | 3 | — |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 88037067 | Jun 2, 2026 | OH | 3 | — |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 88000532 | May 29, 2026 | IL | 3 | — |
VOLVO TRUCK TRUCK TRACTOR
|
1 | 392.2LC | No |
| 87996002 | May 27, 2026 | WI | 3 | — |
VOLVO TRUCK TRUCK TRACTOR
|
1 | 392.16-D | No |
| 87971352 | May 26, 2026 | IL | 3 | — |
KENWORTH TRUCK TRACTOR
|
0 | — | No |
| 87847956 | May 13, 2026 | NJ | 2 | KNOWLTON SCALE |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 87742702 | Apr 30, 2026 | FL | 3 | JASPER FL |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
Recent Crashes (47 rows) View all 47 →
| Report # | Date ▼ | State | Fatalities | Injuries | Tow | Hazmat | Severity |
|---|---|---|---|---|---|---|---|
| WI0000200237 | Dec 8, 2025 | WI | 0 | 2 | Yes | No | Injury |
| NJ0007081069 | Nov 14, 2025 | NJ | 0 | 0 | Yes | No | Tow |
| OH0255180144 | Sep 23, 2025 | OH | 0 | 0 | Yes | No | Tow |
| PA509003300X | Sep 18, 2025 | PA | 0 | 1 | No | No | Injury |
| ILX003912004 | Jul 29, 2025 | IL | 1 | 0 | Yes | No | Fatal |
| ILX003766243 | Mar 27, 2025 | IL | 0 | 0 | Yes | No | Tow |
| IN0904654381 | Jan 14, 2025 | IN | 0 | 0 | Yes | No | Tow |
| OH0255005239 | Jan 2, 2025 | OH | 0 | 0 | Yes | No | Tow |
| WI0000124467 | Dec 19, 2024 | WI | 0 | 3 | Yes | No | Injury |
| ILX003598169 | Oct 18, 2024 | IL | 0 | 0 | Yes | No | Tow |
| CT2400153065 | Apr 18, 2024 | CT | 0 | 0 | Yes | No | Tow |
| WI0000122194 | Feb 21, 2024 | WI | 0 | 0 | Yes | No | Tow |
| PA400804600X | Jan 14, 2024 | PA | 0 | 0 | Yes | No | Tow |
| WI0000121316 | Oct 31, 2023 | WI | 0 | 0 | Yes | No | Tow |
| WI0000121227 | Oct 24, 2023 | WI | 0 | 1 | Yes | No | Injury |
| ILX003120881 | Aug 17, 2023 | IL | 0 | 1 | Yes | No | Injury |
| GA0009073575 | Jul 9, 2023 | GA | 0 | 0 | Yes | No | Tow |
| WI0000119311 | Jan 28, 2023 | WI | 0 | 1 | Yes | No | Injury |
| IN0904182703 | Dec 23, 2022 | IN | 0 | 0 | Yes | No | Tow |
| WI0000117272 | Jun 27, 2022 | WI | 0 | 0 | Yes | No | Tow |
| GA0008554969 | May 30, 2022 | GA | 0 | 1 | Yes | No | Injury |
| TN0103112863 | Oct 12, 2021 | TN | 0 | 0 | Yes | No | Tow |
| PA105126600X | May 23, 2021 | PA | 0 | 1 | Yes | No | Injury |
| ILX002125730 | Jan 16, 2021 | IL | 0 | 0 | Yes | No | Tow |
| PA011150300X | Dec 16, 2020 | PA | 0 | 0 | Yes | No | Tow |
Authority Records (2 dockets)
MC Certificate Documents (3 letters, 3 PDFs)
Authority Records (above) are FMCSA docket status and lifecycle events. MC Certificate Documents here are the archived PDF letters for each action — grants, reinstatements, revocations, name changes, and transfers. They are related but not the same dataset: one row per PDF letter, not one file per docket.
Each row is a distinct FMCSA letter (grant, reinstatement, revocation, name change, transfer, etc.). When a PDF is archived, click the link to open that letter. Rows without a link still show the action type and date from our index. FMCSA stopped publishing new daily certificate PDFs after the May 2026 Motus cutover — rows below are historical archive only.
| Date | Docket | Action | Authority | |
|---|---|---|---|---|
| Apr 9, 2025 | MC600068 | Name Change | Revocation | Name Change → |
| May 7, 2007 | MC600068-C | Original MC Certificate | Revocation | Original MC Certificate → |
| Apr 4, 2007 | MC600068 | Daily Register | Permit | Daily Register → |
Insurance Coverage Timeline (22 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| GREAT WEST CASUALTY CO. | GRT54510A | 91X | $1,000,000 | Apr 23, 2026 | On file | ACTIVE |
| Great West Casualty Co | GRT54510A | BMC-91X | — | Apr 23, 2026 | On file | ACTIVE |
| GREAT WEST CASUALTY CO. | GRT54510A | BIPD/Primary | $1,000,000 | Apr 23, 2026 | On file | ACTIVE |
| CANAL INSURANCE CO. | CT5111833912 | BIPD/Primary | $750,000 | Apr 8, 2025 | On file | ACTIVE |
| CANAL INSURANCE CO. | CT5111833912 | BIPD/Primary | — | Apr 23, 2024 | Apr 8, 2025 | REPLACED |
| CANAL INSURANCE CO. | CT5111833912 | BIPD/Primary | — | Apr 23, 2024 | May 12, 2025 | NAME CHANGED |
| CANAL INSURANCE CO. | CT5111833912 | BIPD/Primary | — | Apr 23, 2024 | Apr 23, 2024 | REPLACED |
| SUTTON NATIONAL | KOF-PRDWJJCBGB-00 | BIPD/Primary | — | Apr 23, 2023 | Apr 23, 2024 | CANCELLED |
| NATIONAL UNION FIRE INS. CO. OF PITSBGH. PA | 060-52-3436 | BIPD/Primary | — | Apr 23, 2022 | Apr 23, 2023 | REPLACED |
| PROTECTIVE INSURANCE CO. | MF-005027 | BIPD/Primary | — | Apr 23, 2021 | Apr 23, 2022 | REPLACED |
| PROTECTIVE INSURANCE CO. | MF000224 | BIPD/Primary | — | Apr 23, 2019 | Apr 23, 2021 | REPLACED |
| PROTECTIVE INSURANCE CO. | MF000224 | BIPD/Primary | — | Apr 23, 2019 | May 19, 2021 | CANCELLED |
| LANCER INSURANCE COMPANY | CM0061943 | BIPD/Primary | — | Apr 23, 2016 | Apr 23, 2019 | CANCELLED |
| AMERICAN INTER-FIDELITY EXCHANGE | L15A1063 | BIPD/Primary | — | Apr 23, 2015 | Apr 23, 2016 | REPLACED |
| NGM INSURANCE COMPANY | MJ000484 | BIPD/Primary | — | Apr 23, 2014 | Apr 23, 2015 | REPLACED |
| NGM INSURANCE COMPANY | MJ000372 | BIPD/Primary | — | Apr 23, 2013 | Apr 23, 2014 | CANCELLED |
| COMPANION PROPERTY & CASUALTY INS. CO. | ALT 12-9-0211 | BIPD/Primary | — | Apr 23, 2012 | Apr 23, 2013 | CANCELLED |
| STAR INSURANCE COMPANY | CA0641864 | BIPD/Primary | — | Apr 23, 2011 | Apr 23, 2012 | CANCELLED |
| STAR INSURANCE COMPANY | CA0591424 | BIPD/Primary | — | Apr 23, 2010 | Apr 23, 2011 | REPLACED |
| STAR INSURANCE COMPANY | IM0591425 | CARGO | — | Apr 23, 2010 | May 12, 2011 | CANCELLED |
| NORTHLAND INSURANCE COMPANY | TN553193 | CARGO | — | May 1, 2007 | Apr 23, 2010 | REPLACED |
| NORTHLAND INSURANCE COMPANY | TN553193 | BIPD/Primary | — | May 1, 2007 | Apr 23, 2010 | REPLACED |
Compliance Timeline Merged authority / insurance / enforcement events
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May 13, 2026insuranceTERM/CANCL — CANAL INSURANCE CO.
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Apr 23, 2026insuranceTERM/REPL — CANAL INSURANCE CO.
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May 12, 2025insuranceTERM/CANCL — CANAL INSURANCE CO.
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Apr 10, 2025
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Apr 8, 2025insuranceTERM/REPL — CANAL INSURANCE CO.
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Apr 23, 2024insuranceTERM/REPL — CANAL INSURANCE CO.
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Apr 23, 2024insuranceCANCEL — SUTTON NATIONAL
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Apr 22, 2024
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Apr 23, 2023insuranceTERM/REPL — NATIONAL UNION FIRE INS. CO. OF PITSBGH. PA
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Apr 23, 2022insuranceTERM/REPL — PROTECTIVE INSURANCE CO.
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May 19, 2021insuranceTERM/CANCL — PROTECTIVE INSURANCE CO.
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Apr 23, 2021insuranceTERM/REPL — PROTECTIVE INSURANCE CO.
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Apr 23, 2019insuranceCANCEL — LANCER INSURANCE COMPANY
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Apr 18, 2019
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Apr 23, 2016insuranceTERM/REPL — AMERICAN INTER-FIDELITY EXCHANGE
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Apr 23, 2015insuranceTERM/REPL — NGM INSURANCE COMPANY
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Apr 23, 2014insuranceCANCEL — NGM INSURANCE COMPANY
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Apr 17, 2014
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Apr 23, 2013insuranceCANCEL — COMPANION PROPERTY & CASUALTY INS. CO.
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Apr 19, 2013
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Apr 23, 2012insuranceCANCEL — STAR INSURANCE COMPANY
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Apr 19, 2012
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May 12, 2011insuranceCANCEL — STAR INSURANCE COMPANY
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Apr 23, 2011insuranceTERM/REPL — STAR INSURANCE COMPANY
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Apr 23, 2010insuranceTERM/REPL — NORTHLAND INSURANCE COMPANY
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May 7, 2007
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for
Most-Inspected Stations
Top Violation Codes Cited
| Code | Description | Category | Cited | OOS |
|---|---|---|---|---|
| 392.2 | Violation of Local Laws | Unsafe Driving | 17 | 0 |
| 395.24 | HOS (ELD) - ELD form and manner | Hours of Service | 9 | 0 |
| 393.75(a)(3) | Tire-flat and/or audible air leak | Vehicle Maintenance | 4 | 4 |
| 393.11 | No or defective lighting devices or reflective material as required | Vehicle Maintenance | 3 | 0 |
| 393.75(a) | Flat tire or fabric exposed | Vehicle Maintenance | 3 | 3 |
| 392.16(a) | Failing to use seat belt (49 CFR) | Unsafe Driving | 2 | 0 |
| 395.8(e)(1) | Making, or permitting a driver to make, a false report regarding duty status | Hours of Service | 2 | 0 |
| 396.3(a)(1) | Inspection, repair and maintenance of parts and accessories | Vehicle Maintenance | 2 | 1 |
| 383.51(a) | Driving a CMV while disqualified from holding a CDL | Driver Fitness | 1 | 1 |
| 392.60(a) | Unauthorized passenger on board CMV | Unsafe Driving | 1 | 0 |
Booking & risk tools
Open dedicated checkers pre-filled with this USDOT — same public filings as the triage card above.
Related Records
All cross-references Authority, BOC-3, risk tools, explainers, and more
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Field change history
History-watch change dates and as-of snapshots
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Illinois carriers
All carriers based in Illinois
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Gurnee carriers
Carriers based in Gurnee, IL
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Stations in Illinois
Where this carrier might be inspected
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Docket MC600068
Motor Carrier of Property (Except Household Goods) · ACTIVE · MC
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GREAT WEST CASUALTY CO.
91X policy on file
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CANAL INSURANCE CO.
BIPD/Primary policy on file
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SUTTON NATIONAL
BIPD/Primary policy on file
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NATIONAL UNION FIRE INS. CO. OF PITSBGH. PA
BIPD/Primary policy on file
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PROTECTIVE INSURANCE CO.
BIPD/Primary policy on file
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LANCER INSURANCE COMPANY
BIPD/Primary policy on file
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AMERICAN INTER-FIDELITY EXCHANGE
BIPD/Primary policy on file
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NGM INSURANCE COMPANY
BIPD/Primary policy on file
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COMPANION PROPERTY & CASUALTY INS. CO.
BIPD/Primary policy on file
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STAR INSURANCE COMPANY
BIPD/Primary policy on file
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NORTHLAND INSURANCE COMPANY
CARGO policy on file
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DOTPROCESSAGENTS.COM LLC
BOC-3 process agent · 87,199 carriers served
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199 inspections
Full roadside inspection history
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47 reportable crashes
FMCSA MCMIS crash log
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Fleet recall search
NHTSA recalls covering this fleet's vehicle years/makes
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File a complaint
Open the FMCSA National Consumer Complaint form for this carrier
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Certificate lookup
Look up any FMCSA authority by MC/MX/FF docket number
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All state carrier directories
Browse carriers in every US/CA/MX jurisdiction
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Insurance-lapse watch
Carriers with recent BMC-91 cancellation or reinstatement churn
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How FMCSA safety ratings work
BASIC percentiles and compliance review context
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BOC-3 process agents explained
Why every interstate carrier must file a process agent
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FMCSA compliance filings guide
MCS-150, insurance, and authority filing requirements
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Roadside inspection rights
What drivers and carriers can expect during a stop
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Book / don't book
PASS / CAUTION / REJECT triage from public filings.
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Insurance check
BIPD gaps, cargo filings, and lapse-watch tier.
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Cancel desk
Pending L&I cancellations and coverage gaps.
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Chameleon check
Heuristic cluster peers from public census fields.
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Safety benchmark
Driver/vehicle OOS rates vs similar fleet-size peers.