TIPTON HAY FARMS LLC
Joins 189 roadside inspections (24 mo), 1 authority docket, BIPD on file (MIDWEST FAMILY MUTUAL INSURANCE COMPANY) from FMCSA public filings. Data as of Oct 8, 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.
- Prior insurance gap · 69 days Oct 11, 2013 → Dec 19, 2013
- Common (Property) gap · 77 days Inactive Oct 21, 2013 → reinstated Jan 6, 2014
- OOS rate worse than size peers Driver 5.90% vs peer 0.00% · Vehicle 52.7% vs peer 14.3% Details →
Plain-text risk summary (print / paste)
TruckCodex risk summary — TIPTON HAY FARMS LLC (USDOT 2171891) 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: • Prior insurance gap · 69 days — Oct 11, 2013 → Dec 19, 2013 • Common (Property) gap · 77 days — Inactive Oct 21, 2013 → reinstated Jan 6, 2014 • OOS rate worse than size peers — Driver 5.90% vs peer 0.00% · Vehicle 52.7% vs peer 14.3% On file: • 1 active operating authority • Insurance on file · $1,000,000 — MIDWEST FAMILY MUTUAL INSURANCE COMPANY · 91X • BOC-3 process agent on file — Process Agent Service Company, Inc. • Satisfactory FMCSA safety rating Source: https://truckcodex.com/usdot/2171891/ As of: Oct 8, 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 Oct 8, 2026 · Sources · Freshness · Methodology · Disclaimer
TruckCodex · filing & peer scorecard
TruckCodex filing & peer scorecard · B
Composite of 5/5 scored components (mean 83/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
B
confidence 100% · 5/5 signals · expand
TruckCodex filing & peer scorecard · B
Composite of 5/5 scored components (mean 83/100). 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.
Driver OOS 5.9% vs peer median 0% (worse). Vehicle OOS 52.7% vs peer median 14.3% (worse). n=22621 same-size ACTIVE peers.
Official FMCSA Satisfactory 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 2014-01-06 (2,000+ days). Published gates only — not a guarantee they will accept. Confirm with the broker.
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InsuranceMIDWEST FAMILY MUTUAL INSURANCE COMPANYPolicy effective Jul 29, 2020
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Process AgentProcess Agent Service Company, Inc.BOC-3 on file
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Operating AuthorityMC760979ACTIVE
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 0 | 43 | 0 |
| Trailers | 0 | 35 | 0 |
| Trucks | 0 | 1 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Accident reports (24 months)
All 17 crashes →| Last 6 months | 6–12 months | 12–24 months | Total | |
|---|---|---|---|---|
| Fatalities | 0 | 0 | 0 | 0 |
| Injuries | 1 | 1 | 4 | 6 |
| Tow-away | 2 | 1 | 4 | 7 |
| Crash reports | 2 | 1 | 4 | 7 |
Reportable crashes from FMCSA MCMIS for the trailing 24 months. Counts may differ slightly from SAFER due to reporting lag.
Inspections (24 months)
All 282 inspections →| Driver | Vehicle | Hazmat | |
|---|---|---|---|
| Inspections | 189 | 189 | 0 |
| OOS inspections | 13 | 47 | 0 |
| OOS percentage | 6.88% | 24.87% | — |
| 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
Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service
Compared against 22,621 ACTIVE carriers operating 22–66 power units (±50% of this carrier's 44 unit fleet).
Authority gap detected (1)
- Common (Property) authority was inactive from Oct 21, 2013 to Jan 6, 2014 (77 days)
Historical coverage gap detected (1)
- No active BIPD/Primary insurance from Oct 11, 2013 to Dec 19, 2013 (69 days)
Inspection Analytics Monthly activity · BASIC mix · state map
Monthly Inspection Activity (37 months)
Violations by BASIC Category
Activity by State
| State | Inspections | OOS | OOS % | Last Inspection |
|---|---|---|---|---|
| Missouri (MO) | 32 | 16 | 50.0% | Sep 4, 2026 |
| Iowa (IA) | 18 | 7 | 38.9% | Sep 17, 2026 |
| Colorado (CO) | 17 | 4 | 23.5% | Sep 30, 2026 |
| Arkansas (AR) | 15 | 4 | 26.7% | Jun 16, 2026 |
| South Dakota (SD) | 12 | 1 | 8.3% | Oct 1, 2026 |
| Oklahoma (OK) | 10 | 2 | 20.0% | Aug 21, 2026 |
| Texas (TX) | 10 | 3 | 30.0% | Mar 24, 2026 |
| Indiana (IN) | 9 | 0 | 0.0% | Mar 11, 2026 |
| Nebraska (NE) | 9 | 0 | 0.0% | Aug 25, 2026 |
| Illinois (IL) | 9 | 3 | 33.3% | Feb 19, 2026 |
| Kansas (KS) | 8 | 2 | 25.0% | Sep 4, 2026 |
| New Mexico (NM) | 8 | 1 | 12.5% | Apr 7, 2026 |
| Kentucky (KY) | 3 | 0 | 0.0% | Dec 9, 2025 |
| Ohio (OH) | 3 | 2 | 66.7% | Jun 18, 2026 |
| Wisconsin (WI) | 3 | 2 | 66.7% | May 21, 2025 |
| Minnesota (MN) | 3 | 2 | 66.7% | Dec 5, 2025 |
| Wyoming (WY) | 2 | 1 | 50.0% | Aug 11, 2026 |
| Georgia (GA) | 2 | 1 | 50.0% | Mar 16, 2026 |
| Idaho (ID) | 2 | 2 | 100.0% | Nov 12, 2025 |
| Mississippi (MS) | 2 | 0 | 0.0% | Dec 24, 2025 |
| Montana (MT) | 2 | 1 | 50.0% | Aug 6, 2026 |
| North Carolina (NC) | 2 | 2 | 100.0% | Mar 26, 2025 |
| Tennessee (TN) | 2 | 1 | 50.0% | Jun 23, 2026 |
| Utah (UT) | 2 | 0 | 0.0% | May 31, 2026 |
| Michigan (MI) | 1 | 0 | 0.0% | Feb 4, 2026 |
| Alabama (AL) | 1 | 1 | 100.0% | Apr 3, 2025 |
| South Carolina (SC) | 1 | 0 | 0.0% | Jul 14, 2025 |
| Maryland (MD) | 1 | 0 | 0.0% | Sep 15, 2025 |
Vehicle Fleet Top makes and models observed in roadside inspections
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 3 | — | 0.06 | 0 | — | Oct 5, 2026 |
| Controlled Substances / Alcohol | 2 | — | 0.06 | 0 | — | Oct 5, 2026 |
| Hours of Service | 52 | — | 2.01 | 2 | — | Oct 5, 2026 |
| Unsafe Driving | 31 | — | 5.32 | 5 | — | Oct 5, 2026 |
| Vehicle Maintenance | 80 | — | 8.17 | 8 | — | Oct 5, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (282 rows) View all 282 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 89156079 | Oct 1, 2026 | SD | 2 | JEFFERSON SD |
INTERNATIONAL TRUCK TRACTOR
|
2 | 395.8E1PC, 396.17C-PI | No |
| 89157609 | Sep 30, 2026 | CO | 3 | TRINIDAD CO |
KENWORTH TRUCK TRACTOR
|
1 | 395.24 | No |
| 89030207 | Sep 17, 2026 | IA | 3 | IA |
INTERNATIONAL TRUCK TRACTOR
|
2 | 395.8E1PC, 392.2-SLLEWA1 | No |
| 88913707 | Sep 4, 2026 | MO | 3 | MANSFIELD MO |
PETERBILT TRUCK TRACTOR
|
0 | — | No |
| 88912664 | Sep 4, 2026 | KS | 2 | KS |
INTERNATIONAL TRUCK TRACTOR
|
2 | 392.5A3-POSS, 392.5A1-I | Yes |
| 88880849 | Sep 2, 2026 | IA | 2 | IA |
KENWORTH TRUCK TRACTOR
|
1 | 393.100B-C | Yes |
| 88869628 | Sep 1, 2026 | SD | 2 | JEFFERSON SD |
KENWORTH TRUCK TRACTOR
|
3 | 395.8E1PC, 390.21TC-MC | No |
| 88836654 | Aug 28, 2026 | SD | 3 | JEFFERSON SD |
KENWORTH TRUCK TRACTOR
Ticket: Peterbilt
|
0 | — | No |
| 88822049 | Aug 26, 2026 | SD | 3 | JEFFERSON SD |
KENWORTH TRUCK TRACTOR
|
0 | — | No |
| 88789687 | Aug 25, 2026 | NE | 3 | FREMONT NE |
KENWORTH TRUCK TRACTOR
|
0 | — | No |
| 88767110 | Aug 21, 2026 | OK | 3 | OAKWOOD |
KENWORTH TRUCK TRACTOR
|
0 | — | No |
| 88744629 | Aug 19, 2026 | SD | 3 | — |
KENWORTH TRUCK TRACTOR
|
1 | 392.2-SLLEWA1 | No |
| 88742382 | Aug 18, 2026 | CO | 2 | — |
INTERNATIONAL TRUCK TRACTOR
Ticket: Custom Scott
|
2 | 395.30B1-ELDDFR, 393.75A1-TEPBM | No |
| 88709204 | Aug 15, 2026 | IA | 3 | — |
INTERNATIONAL TRUCK TRACTOR
|
0 | — | No |
| 88667954 | Aug 11, 2026 | WY | 1 | SHERIDAN/DIETZ POE |
INTERNATIONAL TRUCK TRACTOR
|
7 | 396.3A1-BOS, 393.47E, 393.53B-B | Yes |
| 88652663 | Aug 10, 2026 | SD | 3 | — | — | 0 | — | No |
| 88627982 | Aug 6, 2026 | MT | 2 | — |
INTERNATIONAL TRUCK TRACTOR
Ticket: Custom Scott
|
2 | 395.8E-HOSPDOOS, 393.45D-B | Yes |
| 88622842 | Aug 4, 2026 | MO | 2 | — |
KENWORTH TRUCK TRACTOR
|
4 | 396.5B-L, 393.45B2-B-AIR, 392.16-D | No |
| 88573410 | Jul 30, 2026 | SD | 3 | — |
INTERNATIONAL TRUCK TRACTOR
|
1 | 395.8E-HOSPD | No |
| 88414387 | Jul 13, 2026 | MO | 1 | — |
KENWORTH TRUCK TRACTOR
|
8 | 393.47A-BSF, 396.3A1-BOS, 393.48A-BIAD | Yes |
| 88348119 | Jul 8, 2026 | WY | 2 | CHEYENNE I-80 POE |
INTERNATIONAL TRUCK TRACTOR
|
2 | 393.30-B, 393.9A-LIL | No |
| 88316292 | Jul 3, 2026 | IA | 2 | — |
KENWORTH TRUCK TRACTOR
|
2 | 393.75C-TAOTD-LT2/32, 393.9A-LIL | No |
| 88237577 | Jun 23, 2026 | TN | 2 | — |
INTERNATIONAL TRUCK TRACTOR
|
7 | 395.8E-HOSPDOOS, 392.2-SLLML, 395.3A2-HOSPD | Yes |
| 88192463 | Jun 19, 2026 | IA | 3 | — |
KENWORTH TRUCK TRACTOR
|
4 | 395.30B1-ELDDFR, 392.2-SLLS2 | No |
| 88196474 | Jun 18, 2026 | OH | 3 | — |
INTERNATIONAL TRUCK TRACTOR
|
0 | — | No |
Recent Crashes (17 rows)
| Report # | Date ▼ | State | Fatalities | Injuries | Tow | Hazmat | Severity |
|---|---|---|---|---|---|---|---|
| MO0000120064 | Aug 9, 2026 | MO | Yes | No | Tow | ||
| OK2605002989 | May 14, 2026 | OK | 1 | Yes | Yes | Injury | |
| TX7D0DHQE1FO | Feb 2, 2026 | TX | 0 | 1 | Yes | No | Injury |
| MO0000113384 | Apr 17, 2025 | MO | 0 | 0 | Yes | No | Tow |
| AR2025507117 | Feb 6, 2025 | AR | 0 | 1 | Yes | No | Injury |
| AR2025503314 | Jan 10, 2025 | AR | 0 | 1 | Yes | No | Injury |
| AR2024568343 | Nov 5, 2024 | AR | 0 | 2 | Yes | No | Injury |
| OK2410000756 | Oct 1, 2024 | OK | 0 | 0 | Yes | No | Tow |
| MO0000110127 | Sep 25, 2024 | MO | 0 | 0 | Yes | No | Tow |
| MO0000110079 | Sep 13, 2024 | MO | 0 | 0 | Yes | No | Tow |
| MO0000107120 | Mar 26, 2024 | MO | 0 | 1 | Yes | No | Injury |
| TX6NGCHQE1N9 | Jul 25, 2023 | TX | 0 | 2 | Yes | No | Injury |
| AR2021542110 | Jul 15, 2021 | AR | 0 | 0 | Yes | No | Tow |
| MO0000087436 | Oct 9, 2020 | MO | 0 | 0 | Yes | No | Tow |
| ILX001003401 | Dec 12, 2017 | IL | 0 | 0 | Yes | No | Tow |
| KY0072026221 | Jun 13, 2017 | KY | 0 | 1 | Yes | No | Injury |
| OK0XA0001317 | Jan 23, 2017 | OK | 0 | 0 | Yes | No | Tow |
Authority Records (1 docket)
MC Certificate Documents (2 letters, 1 PDF available)
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.
Some letters share the same legacy archived file path — we show one PDF link for the primary document and list the other actions as metadata (type + date) until per-letter PDFs are re-extracted.
| Date | Docket | Action | Authority | |
|---|---|---|---|---|
| Jan 6, 2014 | MC760979-C | Reinstatement Letter | Reinstatement | Metadata only |
| Oct 6, 2011 | MC760979-C | Original MC Certificate | Revocation | Original MC Certificate → |
Insurance Coverage Timeline (13 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| MIDWEST FAMILY MUTUAL INSURANCE COMPANY | CPMO0560125745 | 91X | $1,000,000 | Jul 29, 2020 | On file | ACTIVE |
| GREAT WEST CASUALTY CO. | MCP51452A | BIPD/Primary | — | Jul 29, 2019 | Jul 29, 2020 | REPLACED |
| PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 4137745 | BIPD/Primary | — | Sep 18, 2017 | Jul 29, 2019 | REPLACED |
| ACUITY, A MUTUAL INSURANCE COMPANY | CA-Z29270 | BIPD/Primary | — | Jan 13, 2016 | Sep 18, 2017 | CANCELLED |
| ACUITY, A MUTUAL INSURANCE COMPANY | CA-Z29270 | BIPD/Primary | — | Sep 18, 2015 | Jan 13, 2016 | REPLACED |
| NATIONAL INDEMNITY COMPANY | 70TRS037508 | BIPD/Primary | — | Sep 19, 2014 | Sep 18, 2015 | CANCELLED |
| PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 1274788 | BIPD/Primary | — | May 22, 2014 | Sep 19, 2014 | REPLACED |
| PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 1274788 | BIPD/Primary | — | Dec 19, 2013 | May 22, 2014 | REPLACED |
| PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 1274788 | BIPD/Primary | — | Dec 19, 2013 | Dec 19, 2013 | REPLACED |
| Coverage gap — 69 days without BIPD/Primary coverage from Oct 11, 2013 to Dec 19, 2013 | ||||||
| NATIONAL CASUALTY COMPANY | OPO0031147 | BIPD/Primary | — | Jul 11, 2013 | Oct 11, 2013 | CANCELLED |
| NATIONAL CASUALTY COMPANY | OPO0031111 | BIPD/Primary | — | Jul 11, 2012 | Jul 11, 2013 | CANCELLED |
| NATIONAL CASUALTY COMPANY | OPO0031087 | BIPD/Primary | — | Sep 16, 2011 | Jul 11, 2012 | CANCELLED |
Compliance Timeline Merged authority / insurance / enforcement events
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Jul 29, 2020insuranceTERM/REPL — GREAT WEST CASUALTY CO.
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Jul 29, 2019insuranceTERM/REPL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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Sep 18, 2017
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Sep 18, 2017insuranceCANCEL — ACUITY, A MUTUAL INSURANCE COMPANY
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Jan 13, 2016insuranceTERM/REPL — ACUITY, A MUTUAL INSURANCE COMPANY
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Sep 18, 2015insuranceCANCEL — NATIONAL INDEMNITY COMPANY
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Sep 15, 2015
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Sep 19, 2014insuranceTERM/REPL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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May 22, 2014insuranceTERM/REPL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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Jan 6, 2014
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Dec 19, 2013insuranceTERM/REPL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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Oct 21, 2013
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Oct 21, 2013authorityAuthority revoked — INVOLUNTARY REVOCATION
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Oct 21, 2013authority gapCommon (Property) authority inactive: 77 days (through Jan 6, 2014)
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Oct 11, 2013insuranceCANCEL — NATIONAL CASUALTY COMPANY
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Oct 11, 2013insurance gapCoverage gap: 69 days without BIPD/Primary insurance (through Dec 19, 2013)
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Jul 12, 2013
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Jul 11, 2013insuranceCANCEL — NATIONAL CASUALTY COMPANY
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Jul 11, 2012insuranceCANCEL — NATIONAL CASUALTY COMPANY
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Jul 9, 2012
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for
Most-Inspected Stations
| Station | State | Inspections | OOS |
|---|---|---|---|
| EAGLEVILLE MO | MO | 9 | 7 |
| JEFFERSON SD | SD | 6 | 0 |
| HARRISON AR | AR | 5 | 0 |
| LIMON CO | CO | 5 | 4 |
| TRINIDAD CO | CO | 5 | 0 |
| HARRISONVILLE MO | MO | 5 | 1 |
| WILLOW SPRINGS MO | MO | 5 | 1 |
| RATON PORT OF ENTRY | NM | 5 | 1 |
| VAN BUREN AR | AR | 4 | 0 |
| JOPLIN MO | MO | 4 | 1 |
Top Violation Codes Cited
| Code | Description | Category | Cited | OOS |
|---|---|---|---|---|
| 392.2 | Violation of Local Laws | Unsafe Driving | 43 | 0 |
| 395.24 | HOS (ELD) - ELD form and manner | Hours of Service | 22 | 0 |
| 393.9(a) | Inoperable required lamps | Vehicle Maintenance | 19 | 4 |
| 393.9 | Inoperable Required Lamp | Vehicle Maintenance | 6 | 1 |
| 392.16(a) | Failing to use seat belt (49 CFR) | Unsafe Driving | 5 | 0 |
| 393.100(b) | Leaking/spilling/blowing/falling cargo | Vehicle Maintenance | 5 | 5 |
| 395.24(c)(2)(iii) | Driver failed to manually add shipping document number | Hours of Service | 5 | 0 |
| 395.30(b)(1) | Driver failed to certify the accuracy of the information gathered by the ELD | Hours of Service | 5 | 0 |
| 393.75(a)(3) | Tire-flat and/or audible air leak | Vehicle Maintenance | 4 | 4 |
| 395.32(b) | Driver failed to assume or decline unassigned driving time | Hours of Service | 4 | 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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Missouri carriers
All carriers based in Missouri
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Marshfield carriers
Carriers based in Marshfield, MO
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Stations in Missouri
Where this carrier might be inspected
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Docket MC760979
common · ACTIVE · MC
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MIDWEST FAMILY MUTUAL INSURANCE COMPANY
91X policy on file
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GREAT WEST CASUALTY CO.
BIPD/Primary policy on file
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PROGRESSIVE CASUALTY INSURANCE COMPANY
BIPD/Primary policy on file
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ACUITY, A MUTUAL INSURANCE COMPANY
BIPD/Primary policy on file
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NATIONAL INDEMNITY COMPANY
BIPD/Primary policy on file
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NATIONAL CASUALTY COMPANY
BIPD/Primary policy on file
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Process Agent Service Company, Inc.
BOC-3 process agent · 125,183 carriers served
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282 inspections
Full roadside inspection history
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17 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.