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VALIDATED

STEPHEN NELS BRADLEY

Trust Score

Excellent Why this score?

Company CheckSTEPHEN NELS BRADLEY · DOT 1563014

DBA: HORSESHOE EXPRESS

49437 QUAIL TRAIL RD, NORWOOD, NC, 28128

DOT# 1563014 MC# 606221 Norwood, North Carolina 15 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

Inspections

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Deep records on this carrier, only on LoadWrap

SMS BASIC Scores→ Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

6 events tracked · latest Sep 10, 2026 ↓ Show details ↓

Safety & compliance 5

Jul 22, 2026
Roadside inspection, 1 violation (no OOS).
Jan 19, 2026
Clean roadside inspection, no violations.
Nov 3, 2025
Roadside inspection, 3 violations (no OOS).
Oct 29, 2025
Crash reported (no fatalities).
Sep 10, 2025
Roadside inspection, 4 violations (no OOS).

Insurance 1

Current
Active insurance on file ($750,000).

Public FMCSA record · blue clean · orange change · red risk.

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address49437 QUAIL TRAIL RD, NORWOOD, NC, 28128

Mailing Address49437 QUAIL TRAIL RD, NORWOOD, NC, 28128

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC606221

CommonNot Active

ContractActive

BrokerNot Active

Operating15 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure .46 · 1 insp with violations

Below cutoff

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 5 · 4 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage380,000 miles

Mileage Year2025

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)1

Fatal0

Driver OOS12.5% avg 5.5%

Vehicle OOS40.0% avg 20.7%

SmartWay PartnerNo

Last Review09/15/2017

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 07/04/2026

CompanySELECTIVE INSURANCE COMPANY OF AMERICA

Policy #S 2585170

Last checked09/10/2026

Quick Facts

StatusActive

TypeCarrier

Fleet11 units

Drivers7

Mileage380,000 mi

Operating15 years

MCS-15004/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)1

Fatal0

Injury1

Tow-Away0

Driver Inspections

Total8

Out of Service1

OOS Rate12.5%

National Avg5.5%

Above National Average

Vehicle Inspections

Total5

Out of Service2

OOS Rate40.0%

National Avg20.7%

Above National Average

Last FMCSA Review: 09/15/2017

Safety Trends by Year

Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.

Inspections · red = OOS

2023

2 · 0 OOS -

2024

8 · 2 OOS ▲

2025

5 · 1 OOS ▼

2026

2 · 0 OOS ▼

Crashes

2023

0 crashes -

2024

1 crash ▲

2025

1 crash =

2026

0 crashes ▼

Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Out-of-Service Summary Last 24 months

Live FMCSA roadside inspections through Jul 2026, 8 inspections, 1 resulted in out-of-service (12.5% OOS rate).

Vehicle Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (2)

Full crash history on file (all years), newest first. This list may show more than the headline Crashes figure above, because that figure follows the official FMCSA 24-month SMS window used for the Trust Score, older crashes still appear here for transparency.

Date	Location	State	Fatal	Injuries	Tow	Vehicles	Weather	Road	Light
10/29/2025	SPARTANBURG	SC	0	1	1	3	Rain	Wet	Daylight
03/19/2024	OAKBORO	NC	0	0	1	2	Clear	Dry	Daylight

Roadside Violations by Safety Category Last 24 months

9 roadside violations across 8 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service

Vehicle Maintenance 5 violations · 1 OOS

Unsafe Driving 4 violations · 0 OOS

Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (17)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
07/22/2026	NC	Driver-Only (Level III)	MARSHVILLE NC	1	0	0	0	1	0	-	▲Detail
01/19/2026	NC	Full (Level I)	MONTGOMERY COUNTY NC 24	0	0	0	0	0	0	-	▲Detail
11/03/2025	PA	Walk-Around (Level II)	PA	3	0	0	0	3	0	-	▲Detail
09/10/2025	WV	Walk-Around (Level II)	BERKELEY SPRINGS WV	4	0	0	0	0	0	-	▲Detail
08/06/2025	NC	Driver-Only (Level III)	STANLY COUNTY, NC 731	0	0	0	0	0	0	-	▲Detail
05/19/2025	NC	Walk-Around (Level II)	US15 AT PRIEST HILL RD	1	1	0	0	1	1	-	▲Detail
02/27/2025	VA	Driver-Only (Level III)	ROANOKE VA	0	0	0	0	0	0	-	▲Detail
11/22/2024	NC	Driver-Only (Level III)	73	0	0	0	0	0	0	-	▲Detail
08/01/2024	VA	Walk-Around (Level II)	STEPHENS CITY VA	2	2	0	1	0	1	-	▲Detail
06/10/2024	PA	Walk-Around (Level II)	SR 30 AT WHITE OAK DR	7	0	1	0	6	0	-	▲Detail
05/28/2024	PA	Walk-Around (Level II)	SR 30 AT SUNNYSIDE ROAD CONNEC	3	1	0	0	3	1	-	▲Detail
05/20/2024	NC	Walk-Around (Level II)	STANLY COUNTY, NC 24	1	0	0	0	1	0	-	▲Detail
05/10/2024	NC	Driver-Only (Level III)	US220	0	0	0	0	0	0	-	▲Detail
03/20/2024	NC	Walk-Around (Level II)	STANLY COUNTY, NC 24	2	0	0	0	2	0	-	▲Detail
02/29/2024	VA	Driver-Only (Level III)	CLOVERDALE VA	1	0	0	0	0	0	-	▲Detail
11/29/2023	NC	Full (Level I)	CHARLOTTE WEIGH STATION, I-85,	0	0	0	0	0	0	-	▲Detail
09/14/2023	NC	Driver-Only (Level III)	I73	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.

Total Inspections9

HOS Compliance 1 viols

Vehicle Maintenance 4 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	PENNSYLVANIA NATIONAL MUTUAL CAS. INS. CO.	TR9 0739273	$1,000,000	07/15/2017	07/15/2023	Replaced
91X	BIPD/Primary	STATE FARM MUTUAL AUTOMOBILE INSURANCE CO.	069 6320-A14-33	$1,000,000	05/22/2007	06/30/2007	Cancelled
91X	BIPD/Primary	AUTO OWNERS INSURANCE COMPANY	4868405500	$750,000	02/01/2012	01/10/2014	Cancelled
91X	BIPD/Primary	PENNSYLVANIA NATIONAL MUTUAL CAS. INS. CO.	TR9 0702858	$1,000,000	01/10/2014	07/15/2017	Replaced
91X	BIPD/Primary	PENNSYLVANIA NATIONAL MUTUAL CAS. INS. CO.	TR9 0702858	$1,000,000	01/10/2014	08/25/2017	Cancelled
91X	BIPD/Primary	AUTO OWNERS INSURANCE COMPANY	4868405500	$750,000	01/10/2011	02/01/2012	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC606221	CONTRACT	INVOLUNTARY REVOCATION	12/16/2013	DISCONTINUED REVOCATION	12/20/2013
MC606221	MOTOR PROPERTY COMMON CARRIER	DISMISSED	06/27/2007	-	-
MC606221	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	02/04/2011	-	-

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

88/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 88

Starts at 100−12 totalFinal 88

Driver out-of-service rate above national average−5

Vehicle out-of-service rate above national average−5

Crashes on record (rate-adjusted)−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

Holds active for-hire (common or contract) authority.

Active insurance on file

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-5

Driver out-of-service rate above national average

Driver OOS 12.5% vs national avg 5.51%.

-5

Vehicle out-of-service rate above national average

Vehicle OOS 40% vs national avg 20.72%.

-2

Crashes on record (rate-adjusted)

Crash rate: 1 crash(es) across 11 vehicles (~0.09 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−2 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 1 crash(es) across 11 vehicles (~0.09 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 12.5% vs national avg 5.51%.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 40% vs national avg 20.72%.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

STEPHEN NELS BRADLEY

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (2)

Roadside Violations by Safety Category Last 24 months

Inspection Records (17)

Safety Performance Percentiles

Licensing & Insurance

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