FINAO INC
CHARLOTTE, NC
DBA: SADLER TRANSPORTATION
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.
- Prior insurance gap · 133 days Jul 16, 2008 → Nov 26, 2008
- Common (Property) gap · 134 days Inactive Jul 22, 2008 → reinstated Dec 3, 2008
- OOS rate worse than size peers Driver and/or vehicle out-of-service rate is above the peer median.
Plain-text risk summary (print / paste)
TruckCodex risk summary — FINAO INC (USDOT 1739179) 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: $750,000 Officer(s): FRANKLIN DOUGLAS SADLER (Company officer) Blockers: (none) Cautions: • Prior insurance gap · 133 days — Jul 16, 2008 → Nov 26, 2008 • Common (Property) gap · 134 days — Inactive Jul 22, 2008 → reinstated Dec 3, 2008 • OOS rate worse than size peers — Driver and/or vehicle out-of-service rate is above the peer median. On file: • 1 active operating authority • Insurance on file · $750,000 — AUTO OWNERS INSURANCE COMPANY · 91X • BOC-3 process agent on file — TRUCK PROCESS AGENTS OF AMERICA, INC Source: https://truckcodex.com/usdot/1739179/ As of: Jul 22, 2026 Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
TruckCodex · compliance grade
Compliance grade A
Composite of 4/5 scored components (mean 85/100). Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
A
confidence 80% · 4/5 signals
Compliance grade A
Composite of 4/5 scored components (mean 85/100). 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.
Driver OOS 0% vs peer median 0% (neutral). Vehicle OOS 25% vs peer median 0% (worse). n=331353 same-size ACTIVE peers.
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 compliance grade from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not legal advice. See methodology. Booking triage on this page: Caution.
1 active liability policy
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.
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InsuranceAUTO OWNERS INSURANCE COMPANYPolicy effective Mar 15, 2021
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Process AgentTRUCK PROCESS AGENTS OF AMERICA, INCBOC-3 on file
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Operating AuthorityMC636967ACTIVE
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 3 | 0 | 0 |
| Trailers | 3 | 1 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Inspections (24 months)
All 15 inspections →| Driver | Vehicle | Hazmat | |
|---|---|---|---|
| Inspections | 8 | 8 | 0 |
| OOS inspections | 0 | 0 | 0 |
| OOS percentage | 0% | 0% | — |
| National average | 6.67% | 22.26% | 4.44% |
Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).
Carrier analysis & narrative context SEO summary, status notes, AI overview, and safety profiles
FINAO INC is a motor carrier based in CHARLOTTE, NC, registered with the FMCSA under USDOT 1739179. The carrier is currently active in FMCSA's records, and has not yet received a formal FMCSA safety rating. MCS-150 self-reporting puts the fleet at 3 power units and 3 drivers, with 15 roadside inspections on file and a peak out-of-service rate of 25.0%. Use this page to verify the carrier's authority and insurance, review its inspection and crash history, and cross-reference live data on FMCSA SAFER before booking a load or onboarding a partner.
Carrier is unrated
FMCSA has not assigned this carrier a formal safety rating. Use the inspection history and BASIC scores below to assess on-road performance.
FINAO INC is a small fleet, operating 3 power units and 3 drivers, based in Charlotte, NC. Across 7 roadside inspections in the last 24 months, the fleet recorded a 0.0% out-of-service rate, with no reportable crashes on file. BIPD/Primary insurance is on file with AUTO OWNERS INSURANCE COMPANY, and operating authority is active for common.
7 roadside inspections over the last 24 months, roughly flat versus the prior 24 months, concentrated in SC (4) and NC (3), with Level 3 inspections the most common.
0.0% out-of-service rate; led by Unsafe Driving (42.9% of violations); top code 392.2-SLLEWA1 (Operating a CMV while ill or fatigued) cited 1 times.
The fleet comprises 3 power units (small fleet) and 3 drivers; Freightliner, Dors, and Unknown are the most-inspected makes.
Risk Signals
Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service
Compared against 331,353 ACTIVE carriers operating 1–5 power units (±50% of this carrier's 3 unit fleet).
Authority gap detected (1)
- Common (Property) authority was inactive from Jul 22, 2008 to Dec 3, 2008 (134 days)
Historical coverage gap detected (1)
- No active BIPD/Primary insurance from Jul 16, 2008 to Nov 26, 2008 (133 days)
Inspection Analytics Monthly activity · BASIC mix · state map
Monthly Inspection Activity (24 months)
Violations by BASIC Category
Activity by State
| State | Inspections | OOS | OOS % | Last Inspection |
|---|---|---|---|---|
| North Carolina (NC) | 4 | 0 | 0.0% | May 20, 2026 |
| South Carolina (SC) | 4 | 0 | 0.0% | May 5, 2025 |
Vehicle Fleet Top makes and models observed in roadside inspections
| Make | Model | Inspections |
|---|---|---|
| Freightliner | 12 | |
| Utility | 3 | |
| Dors | 2 | |
| Grea | 2 | |
| Dorsey Tra | 1 | |
| Ford | 1 | |
| Great Dane | 1 | |
| Other | 1 | |
| Unknown | 1 |
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 0 | — | 0.00 | 0 | — | Jul 20, 2026 |
| Controlled Substances / Alcohol | 0 | — | 0.00 | 0 | — | Jul 20, 2026 |
| Hours of Service | 1 | — | 0.35 | 0 | — | Jul 20, 2026 |
| Unsafe Driving | 1 | — | 0.90 | 1 | — | Jul 20, 2026 |
| Vehicle Maintenance | 3 | — | 8.00 | 8 | — | Jul 20, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (15 rows) View all 15 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 87926117 | May 20, 2026 | NC | 3 | — |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 85101212 | Jul 1, 2025 | NC | 2 | — |
VOLVO TRUCK TRUCK TRACTOR
|
1 | 393.75C | No |
| 84599693 | May 5, 2025 | SC | 3 | HARLEYVILLE SC |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2-SLLEWA1 | No |
| 84144091 | Mar 17, 2025 | SC | 3 | GREENVILLE SC |
FORD STRAIGHT TRUCK
|
3 | 395.34A1-ELDDFN, 392.2-SLLS1, 392.2-SLLLR | No |
| 83914137 | Feb 14, 2025 | SC | 3 | AYNOR SC |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 83825739 | Feb 7, 2025 | NC | 2 | — |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 83443889 | Dec 19, 2024 | SC | 2 | BOWMAN SC |
FREIGHTLINER TRUCK TRACTOR
|
2 | 393.9A-LHLI, 393.45B2-B-AIR | No |
| 83133694 | Nov 8, 2024 | NC | 3 | nc-hillsborough-weigh-station,-i- |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 81117014 | Mar 14, 2024 | SC | 1 | I-77 NB ROADSIDE |
FREIGHTLINER TRUCK TRACTOR
|
10 | 393.9(a), 393.45(b)(2), 396.3(a)(1) | Yes |
| 80861873 | Feb 14, 2024 | SC | 3 | I-77 SB ROADSIDE |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2 | No |
| 80837461 | Feb 13, 2024 | SC | 3 | I-77 SB ROADSIDE |
FREIGHTLINER TRUCK TRACTOR
|
3 | 383.51(a), 392.2 | Yes |
| 80836872 | Feb 12, 2024 | NC | 3 | nc-hillsborough-weigh-station,-i- |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 79759033 | Sep 26, 2023 | NC | 3 | nc-statesville-weigh-station,-i-4 |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 79255119 | Jul 26, 2023 | GA | 3 | ga-columbia-co-i/s-eb |
FREIGHTLINER TRUCK TRACTOR
|
2 | 395.24(d), 392.2 | No |
| 78901653 | Jun 14, 2023 | SC | 3 | I-77 SB ROADSIDE |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2 | No |
Authority Records (1 docket)
MC Certificate Documents (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.
Click a row to open that specific letter. Multiple letters per docket are listed separately by action type and date.
| Date | Docket | Action | Authority | |
|---|---|---|---|---|
| Dec 3, 2008 | MC636967-C | REI | REINSTATEMENT | REI → |
| Nov 26, 2008 | MC636967 | NC | REINSTATEMENT | NC → |
| Mar 28, 2008 | MC636967-C | CPL | REVOCATION | CPL → |
Insurance Coverage Timeline (16 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| AUTO OWNERS INSURANCE COMPANY | 49-295982-01 | 91X | $750,000 | Mar 15, 2021 | On file | ACTIVE |
| AUTO OWNERS INSURANCE COMPANY | 49-295982-00 | BIPD/Primary | — | Jun 6, 2017 | Mar 15, 2021 | REPLACED |
| AUTO OWNERS INSURANCE COMPANY | 49-295982-00 | BIPD/Primary | — | Mar 14, 2013 | Jun 17, 2017 | CANCELLED |
| AUTO OWNERS INSURANCE COMPANY | 49-295982-00 | BIPD/Primary | — | Mar 14, 2013 | Jun 6, 2017 | REPLACED |
| PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY | CA 8494008 | BIPD/Primary | — | Feb 10, 2013 | Mar 14, 2013 | REPLACED |
| PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY | CA 8494008 | BIPD/Primary | — | Mar 14, 2012 | Feb 10, 2013 | CANCELLED |
| PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY | CA 8494008 | CARGO | — | Mar 14, 2012 | Jan 18, 2013 | CANCELLED |
| GREAT WEST CASUALTY CO. | GWP89967A | BIPD/Primary | — | Oct 19, 2011 | Apr 19, 2012 | CANCELLED |
| GREAT WEST CASUALTY CO. | GWP89967A | BIPD/Primary | — | Oct 19, 2011 | Mar 14, 2012 | REPLACED |
| GREAT AMERICAN ASSURANCE COMPANY | MAC7480157 00 | BIPD/Primary | — | Nov 26, 2008 | Oct 19, 2011 | REPLACED |
| GREAT AMERICAN ASSURANCE COMPANY | MAC7480157 00 | CARGO | — | Nov 26, 2008 | Nov 25, 2011 | CANCELLED |
| Coverage gap — 133 days without BIPD/Primary coverage from Jul 16, 2008 to Nov 26, 2008 | ||||||
| LINCOLN GENERAL INSURANCE COMPANY | LSW100066-1107 | CARGO | — | Feb 28, 2008 | Jul 16, 2008 | CANCELLED |
| LINCOLN GENERAL INSURANCE COMPANY | LSW100066-1107 | BIPD/Primary | — | Feb 28, 2008 | Jul 16, 2008 | CANCELLED |
| LINCOLN GENERAL INSURANCE COMPANY | LSW100066-1107 | BIPD/Primary | — | Feb 28, 2008 | Feb 28, 2008 | REPLACED |
| LINCOLN GENERAL INSURANCE COMPANY | LSW100066-1107 | CARGO | — | Feb 28, 2008 | Feb 28, 2008 | REPLACED |
Compliance Timeline Merged authority / insurance / enforcement events
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Mar 15, 2021insuranceTERM/REPL — AUTO OWNERS INSURANCE COMPANY
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Jun 17, 2017insuranceTERM/CANCL — AUTO OWNERS INSURANCE COMPANY
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Jun 13, 2017
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Jun 6, 2017insuranceTERM/REPL — AUTO OWNERS INSURANCE COMPANY
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Mar 14, 2013insuranceTERM/REPL — PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY
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Feb 10, 2013insuranceCANCEL — PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY
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Jan 18, 2013insuranceCANCEL — PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY
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Apr 19, 2012insuranceTERM/CANCL — GREAT WEST CASUALTY CO.
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Mar 14, 2012insuranceTERM/REPL — GREAT WEST CASUALTY CO.
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Nov 25, 2011insuranceCANCEL — GREAT AMERICAN ASSURANCE COMPANY
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Oct 19, 2011insuranceTERM/REPL — GREAT AMERICAN ASSURANCE COMPANY
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Dec 3, 2008
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Jul 22, 2008
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Jul 22, 2008authorityAuthority revoked — INVOLUNTARY REVOCATION
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Jul 22, 2008authority gapCommon (Property) authority inactive: 134 days (through Dec 3, 2008)
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Jul 16, 2008insuranceCANCEL — LINCOLN GENERAL INSURANCE COMPANY
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Jul 16, 2008insurance gapCoverage gap: 133 days without BIPD/Primary insurance (through Nov 26, 2008)
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Feb 28, 2008insuranceTERM/REPL — LINCOLN GENERAL INSURANCE COMPANY
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for
Most-Inspected Stations
| Station | State | Inspections | OOS |
|---|---|---|---|
| I-77 SB ROADSIDE | SC | 3 | 1 |
| AYNOR SC | SC | 1 | 0 |
| BOWMAN SC | SC | 1 | 0 |
| GREENVILLE SC | SC | 1 | 0 |
| HARLEYVILLE SC | SC | 1 | 0 |
| I-77 NB ROADSIDE | SC | 1 | 1 |
Top Violation Codes Cited
| Code | Description | Category | Cited | OOS |
|---|---|---|---|---|
| 392.2 | Violation of Local Laws - Explain: | Unsafe Driving | 6 | 0 |
| 393.48(a) | Inoperative/defective brakes | Vehicle Maintenance | 3 | 0 |
| 383.51(a) | Driving a CMV while disqualified from holding a CDL | Driver Fitness | 1 | 1 |
| 393.45(b)(2) | Brake hose or tubing chafing and/or kinking | Vehicle Maintenance | 1 | 1 |
| 393.47(e) | Brake Out of Adjustment - Roto, Clamp (Short & Long), DD-3, or Bolt | Vehicle Maintenance | 1 | 0 |
| 393.53(b) | CMV manufactured after 10/19/94 has an automatic airbrake adjustment system that fails to compensate for wear | Vehicle Maintenance | 1 | 0 |
| 393.78 | Wipers - Inoperative / missing / damaged wipers. | Vehicle Maintenance | 1 | 0 |
| 393.9(a) | Inoperable required lamps | Vehicle Maintenance | 1 | 1 |
| 395.24(d) | ELD cannot transfer ELD records electronically | Hours of Service | 1 | 0 |
| 396.3(a)(1) | Inspection, repair and maintenance of parts and accessories | Vehicle Maintenance | 1 | 1 |
Related Records Cross-references to every adjacent page
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North Carolina carriers
All carriers based in North Carolina
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Charlotte carriers
Carriers based in Charlotte, NC
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Stations in North Carolina
Where this carrier might be inspected
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Docket MC636967
common · ACTIVE · MC
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AUTO OWNERS INSURANCE COMPANY
91X policy on file
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PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY
BIPD/Primary policy on file
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GREAT WEST CASUALTY CO.
BIPD/Primary policy on file
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GREAT AMERICAN ASSURANCE COMPANY
BIPD/Primary policy on file
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LINCOLN GENERAL INSURANCE COMPANY
CARGO policy on file
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TRUCK PROCESS AGENTS OF AMERICA, INC
BOC-3 process agent · 127,947 carriers served
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15 inspections
Full roadside inspection history
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Fleet recall search
NHTSA recalls covering this fleet's vehicle years/makes
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Open the FMCSA National Consumer Complaint form for this carrier
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Carrier comparison tool
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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
How to verify FINAO INC
- Verify USDOT and MC numbers match the carrier's documents. Compare the USDOT number and MC docket on this page to the numbers on the carrier's invoice, rate confirmation, or load-board listing. A mismatch between the carrier's claimed numbers and the registered legal name is the single most common red flag.
- Check active operating authority and insurance status. Confirm the Authority Records show at least one ACTIVE docket for the type of operation you're booking, and that the Active Insurance card lists a current BIPD/Primary policy. A revoked authority or uninsured carrier cannot legally operate.
- Review safety rating and SMS BASIC scores. Check the carrier's FMCSA safety rating (if any) and the SMS BASIC table. A high percentile in any BASIC category — especially Unsafe Driving, HOS, or Vehicle Maintenance — is worth investigating before tendering a load.
- Examine inspection and crash history. Open the Inspection History and Crash History subpages for the full record. Look for patterns: repeat OOS findings on the same unit, multiple crashes in a short window, or violations clustered in one BASIC category.
- Cross-reference real-time data with FMCSA SAFER. For the most current snapshot — within 24 hours of any insurer filing or authority change — click through to the FMCSA SAFER lookup. TruckCodex mirrors SAFER and L&I daily; SAFER itself reflects filings within 24 hours.
Frequently asked questions about FINAO INC
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Has FINAO INC had any crashes? ▾
About FMCSA carrier records
Every commercial motor carrier operating in the United States is required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number. The USDOT number is a permanent, unique identifier — once assigned, it stays with the carrier for life and is never reissued to another company. Carriers must update their registration every two years on Form MCS-150 to keep their address, fleet size, and operating data current.
Carrier safety data lives in FMCSA's Motor Carrier Management Information System (MCMIS): roadside inspections, crashes, out-of-service findings, and the seven Behavior Analysis and Safety Improvement Categories (BASICs) that make up the SMS scoring methodology. For-hire carriers must also hold operating authority — an MC, FF, or MX docket number — which is separate from the USDOT number and requires continuous insurance and BOC-3 process-agent filings to remain active.
TruckCodex mirrors FMCSA's public SAFER and L&I systems on a daily refresh cycle. Every record on this page reflects what FMCSA has on file. We do not edit or modify carrier data — for real-time confirmation immediately before a transaction, click through to the FMCSA SAFER lookup linked in the related records section above. Safety ratings, when present, come from formal compliance reviews; most active carriers have not been reviewed and are correctly listed as unrated.
Data sources & freshness
TruckCodex aggregates official public-sector datasets. See the Source registry for dataset-level coverage and the Freshness log for last-import timestamps.
Census, SAFER, SMS, Licensing & Insurance (L&I), roadside inspections, crashes, and authority history.
Vehicle recall campaigns, defect investigations, and consumer safety complaints (SCRS).
Cross-border carrier registry and Canadian recall campaigns where applicable.
TruckCodex is an independent aggregator; it is not affiliated with FMCSA, NHTSA, EIA, or Transport Canada. Always verify compliance-critical information directly with the originating agency.