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VAUGHAN XPRESS INC

Trust Score

Excellent Why this score?

Company CheckVAUGHAN XPRESS INC · DOT 1925655

120 COOLEY INDUSTRIAL DRIVE, LAGRANGE, GA, 30241

DOT# 1925655 MC# 688618 Lagrange, Georgia 17 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

108

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

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

Safety & compliance 7

Aug 5, 2026
Clean roadside inspection, no violations.
Jul 7, 2026
Roadside inspection, 2 violations (no OOS).
Jul 7, 2026
Clean roadside inspection, no violations.
Jun 24, 2026
Crash reported (no fatalities).
Jun 23, 2026
Crash reported (no fatalities).
Jun 22, 2026
Clean roadside inspection, no violations.
Jun 17, 2026
Crash reported (no fatalities).

Insurance 1

Current
Active insurance on file ($1,000,000).

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

Contact Details

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Physical Address120 COOLEY INDUSTRIAL DRIVE, LAGRANGE, GA, 30241

Mailing Address120 COOLEY INDUSTRIAL DRIVE, LAGRANGE, GA, 30241

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC688618

CommonActive

ContractNot Active

BrokerNot Active

Operating17 years

All Docket Numbers

MC688618

Cargo Transported

General FreightMachinery, Large ObjectsFresh ProduceRefrigerated FoodBeveragesPaper ProductsUtilityConstruction

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 2.07 · 15 insp with violations

Below cutoff

Hours-of-Service Compliance

measure .82 · 4 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 2.06 · 9 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage4,500,000 miles

Mileage Year2024

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)3

Fatal1

Driver OOS0.0% avg 5.5%

Vehicle OOS7.4% avg 20.7%

SmartWay PartnerYes

Insurance

Amount$1,000,000

Type91X

VerifiedFMCSA · 06/16/2026

CompanyNATIONAL INTERSTATE INSURANCE COMPANY

Policy #WPP 8200067-00

Last checked09/09/2026

Quick Facts

StatusActive

TypeCarrier

Fleet66 units

Drivers75

Mileage4,500,000 mi

Operating17 years

MCS-15004/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)3

Fatal1

Injury2

Tow-Away0

Driver Inspections

Total81

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total27

Out of Service2

OOS Rate7.4%

National Avg20.7%

Below National Average

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

17 · 2 OOS -

2024

43 · 1 OOS ▼

2025

34 · 1 OOS =

2026

19 · 2 OOS ▲

Crashes

2023

1 crash -

2024

4 crashes ▲

2025

0 crashes ▼

2026

3 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 Aug 2026, 65 inspections, 4 resulted in out-of-service (6.2% OOS rate).

Driver Out-of-Service 5 OOS

Vehicle Out-of-Service 3 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (8)

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
06/24/2026	MINDEN	LA	0	0	1	2	Rain	Snow/Slush	Daylight
06/23/2026	PORTSMOUTH	VA	0	1	0	2	Clear	Dry	Daylight
06/17/2026	KENNESAW	GA	0	0	1	2	Clear	Dry	Daylight
12/06/2024	OLD DIXIE HWY NEAR GA 3	GA	0	1	1	2	Clear	Dry	Daylight
10/06/2024	NB I-81	VA	1	0	1	2	Clear	Dry	Daylight
05/01/2024	UNINCORPORATED	GA	0	2	1	3	Clear	Dry	Daylight
03/28/2024	DORAVILLE	GA	0	0	1	2	Severe Crosswinds	Dry	Daylight
10/09/2023	Wagoner	OK	1	1	1	2	Clear	Dry	Daylight

Roadside Violations by Safety Category Last 24 months

50 roadside violations across 65 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

Unsafe Driving 23 violations · 0 OOS

Vehicle Maintenance 14 violations · 2 OOS

Hours-of-Service (HOS) Compliance 12 violations · 10 OOS

Other (General) 1 violation · 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 (100)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
08/05/2026	MD	Walk-Around (Level II)	PERRYVILLE MD	0	0	0	0	0	0	-	▲Detail
07/07/2026	LA	Driver-Only (Level III)	ARCADIA LA	2	0	2	0	0	0	-	▲Detail
07/07/2026	GA	Driver-Only (Level III)	CARROLLTON GA	0	0	0	0	0	0	-	▲Detail
06/22/2026	GA	Driver-Only (Level III)	ATLANTA GA	0	0	0	0	0	0	-	▲Detail
06/17/2026	CA	Full (Level I)	CA	1	0	0	0	1	0	-	▲Detail
06/16/2026	KY	Full (Level I)	KUTTAWA	1	1	0	0	1	1	-	▲Detail
06/05/2026	KS	Walk-Around (Level II)	KS	5	5	5	5	0	0	-	▲Detail
05/06/2026	LA	Full (Level I)	WINNFIELD LA	0	0	0	0	0	0	-	▲Detail
04/12/2026	LA	Walk-Around (Level II)	BREAUX BRIDGE LA	1	0	0	0	1	0	-	▲Detail
04/02/2026	GA	Driver-Only (Level III)	PINE MOUNTAIN GA	1	0	1	0	0	0	-	▲Detail
03/31/2026	AR	Driver-Only (Level III)	VAN BUREN AR	1	0	1	0	0	0	-	▲Detail
02/24/2026	AL	Driver-Only (Level III)	MONTGOMERY AL	0	0	0	0	0	0	-	▲Detail
02/11/2026	GA	Driver-Only (Level III)	LAGRANGE GA	0	0	0	0	0	0	-	▲Detail
02/10/2026	GA	Driver-Only (Level III)	ACWORTH GA	0	0	0	0	0	0	-	▲Detail
02/04/2026	GA	Driver-Only (Level III)	UNION CITY GA	1	0	1	0	0	0	-	▲Detail
02/04/2026	NM	Driver-Only (Level III)	I10	1	0	1	0	0	0	-	▲Detail
01/20/2026	SC	Full (Level I)	LEXINGTON SC	1	0	1	0	0	0	-	▲Detail
01/05/2026	GA	Driver-Only (Level III)	CORDELE GA	1	0	1	0	0	0	-	▲Detail
01/05/2026	GA	Driver-Only (Level III)	LAGRANGE GA	1	0	1	0	0	0	-	▲Detail
12/29/2025	NC	Walk-Around (Level II)	HILLSBOROUGH WEIGH STATION, I-	0	0	0	0	0	0	-	▲Detail
12/18/2025	NC	Driver-Only (Level III)	I73 NEAR ALCORN RD	0	0	0	0	0	0	-	▲Detail
12/17/2025	GA	Driver-Only (Level III)	LAGRANGE GA	1	0	1	0	0	0	-	▲Detail
12/02/2025	GA	Walk-Around (Level II)	WEST POINT GA	3	0	1	0	2	0	-	▲Detail
11/20/2025	MO	Driver-Only (Level III)	WILLOW SPRINGS MO	0	0	0	0	0	0	-	▲Detail
11/11/2025	TN	Driver-Only (Level III)	KNOXVILLE TN	0	0	0	0	0	0	-	▲Detail
11/07/2025	CA	Full (Level I)	CHOWCHILLA RIVER IF	0	0	0	0	0	0	-	▲Detail
10/28/2025	SC	Driver-Only (Level III)	TRENTON SC	1	0	0	0	0	0	-	▲Detail
10/25/2025	ID	Driver-Only (Level III)	BOISE ID	1	0	0	0	0	0	-	▲Detail
09/15/2025	GA	Driver-Only (Level III)	LAGRANGE GA	1	0	0	0	0	0	-	▲Detail
09/07/2025	MS	Full (Level I)	DE SOTO COUNTY	0	0	0	0	0	0	-	▲Detail
09/03/2025	GA	Walk-Around (Level II)	LAGRANGE GA	2	0	0	0	0	0	-	▲Detail
08/28/2025	AL	Walk-Around (Level II)	VALLEY AL	0	0	0	0	0	0	-	▲Detail
08/14/2025	GA	Driver-Only (Level III)	PALMETTO GA	2	0	0	0	0	0	-	▲Detail
08/05/2025	GA	Driver-Only (Level III)	VALDOSTA GA	0	0	0	0	0	0	-	▲Detail
08/01/2025	TX	Walk-Around (Level II)	IH20 LORAINE SCALE	0	0	0	0	0	0	-	▲Detail
07/24/2025	NM	Walk-Around (Level II)	CLAYTON PORT OF ENTRY	1	1	0	0	1	1	-	▲Detail
07/16/2025	MS	Driver-Only (Level III)	LAUDERDALE COUNTY	0	0	0	0	0	0	-	▲Detail
07/16/2025	TX	Full (Level I)	LAT:31 30' 18.72N	2	0	0	0	2	0	-	▲Detail
06/25/2025	GA	Driver-Only (Level III)	LAGRANGE GA	0	0	0	0	0	0	-	▲Detail
06/03/2025	LA	Driver-Only (Level III)	LACOMBE LA	1	0	0	0	0	0	-	▲Detail
05/28/2025	FL	Driver-Only (Level III)	TALLAHASSEE FL	0	0	0	0	0	0	-	▲Detail
05/07/2025	GA	Walk-Around (Level II)	LAGRANGE GA	3	0	0	0	0	0	-	▲Detail
04/22/2025	LA	Driver-Only (Level III)	RAYVILLE LA	2	0	0	0	0	0	-	▲Detail
04/13/2025	MS	Driver-Only (Level III)	ALCORN COUNTY	0	0	0	0	0	0	-	▲Detail
04/09/2025	TX	Full (Level I)	US59 NB NACODOCHES SCALE	0	0	0	0	0	0	-	▲Detail
04/08/2025	TN	Driver-Only (Level III)	GILES COUNTY SCALES	0	0	0	0	0	0	-	▲Detail
04/07/2025	GA	Driver-Only (Level III)	LAGRANGE GA	0	0	0	0	0	0	-	▲Detail
03/26/2025	TN	Full (Level I)	KNOXVILLE TN	1	0	0	0	0	0	-	▲Detail
03/17/2025	MS	Driver-Only (Level III)	SAUCIER	0	0	0	0	0	0	-	▲Detail
03/04/2025	AL	Driver-Only (Level III)	EXIT	0	0	0	0	0	0	-	▲Detail
02/04/2025	GA	Full (Level I)	FORT VALLEY GA	0	0	0	0	0	0	-	▲Detail
01/27/2025	DE	Walk-Around (Level II)	MIDDLETOWN DE	0	0	0	0	0	0	-	▲Detail
01/22/2025	SC	Driver-Only (Level III)	POWDERSVILLE SC	2	0	0	0	0	0	-	▲Detail
12/28/2024	IL	Driver-Only (Level III)	I-24	0	0	0	0	0	0	-	▲Detail
12/16/2024	AL	Driver-Only (Level III)	NOTASULGA AL	0	0	0	0	0	0	-	▲Detail
12/04/2024	GA	Full (Level I)	VALDOSTA GA	0	0	0	0	0	0	-	▲Detail
12/04/2024	TN	Full (Level I)	GILES COUNTY SCALES	3	1	0	0	3	1	-	▲Detail
11/14/2024	LA	Driver-Only (Level III)	LA	0	0	0	0	0	0	-	▲Detail
11/01/2024	TN	Driver-Only (Level III)	MONTEAGLE TN	0	0	0	0	0	0	-	▲Detail
10/31/2024	SC	Full (Level I)	LEXINGTON SC	0	0	0	0	0	0	-	▲Detail
10/23/2024	AL	Driver-Only (Level III)	ROADSIDE	0	0	0	0	0	0	-	▲Detail
10/16/2024	SC	Driver-Only (Level III)	POWDERSVILLE SC	1	0	0	0	0	0	-	▲Detail
10/15/2024	PA	Driver-Only (Level III)	PHILADELPHIA PA	1	0	0	0	0	0	-	▲Detail
10/07/2024	VA	Driver-Only (Level III)	CHRISTIANSBURG VA	0	0	0	0	0	0	-	▲Detail
10/03/2024	SC	Driver-Only (Level III)	LATTA SC	0	0	0	0	0	0	-	▲Detail
08/28/2024	MS	Full (Level I)	KEWANEE SCALE I-59 & I-20 WEST	0	0	0	0	0	0	-	▲Detail
08/21/2024	MO	Driver-Only (Level III)	ROCK PORT MO	0	0	0	0	0	0	-	▲Detail
08/16/2024	GA	Driver-Only (Level III)	FORTSON GA	1	0	0	0	0	0	-	▲Detail
08/12/2024	ND	Driver-Only (Level III)	BISMARCK ND	0	0	0	0	0	0	-	▲Detail
08/09/2024	NC	Driver-Only (Level III)	LUMBERTON WEIGH STATION, I-95,	0	0	0	0	0	0	-	▲Detail
08/06/2024	NY	Walk-Around (Level II)	QUEENSBURY (NB)	1	0	1	0	0	0	-	▲Detail
07/23/2024	WA	Driver-Only (Level III)	RIDGEFIELD WA	1	0	0	0	0	0	-	▲Detail
07/17/2024	GA	Driver-Only (Level III)	ATLANTA GA	1	0	0	0	0	0	-	▲Detail
07/08/2024	SC	Driver-Only (Level III)	I85 NORTH	1	0	1	0	0	0	-	▲Detail
06/27/2024	LA	Driver-Only (Level III)	ROADSIDE	3	0	3	0	0	0	-	▲Detail
06/26/2024	SC	Driver-Only (Level III)	I-85 SB ANDERSON COUNTY	1	0	1	0	0	0	-	▲Detail
06/21/2024	WI	Walk-Around (Level II)	STOUGHTON WI	2	0	0	0	0	0	-	▲Detail
06/19/2024	KY	Driver-Only (Level III)	MOUNT VERNON	1	0	1	0	0	0	-	▲Detail
06/18/2024	NC	Walk-Around (Level II)	HILLSBOROUGH WEIGH STATION, I-	0	0	0	0	0	0	-	▲Detail
06/17/2024	PA	Driver-Only (Level III)	WAYNESBURG PA	2	0	0	0	0	0	-	▲Detail
05/22/2024	NC	Driver-Only (Level III)	HALIFAX WEIGH STATION, I-95, S	0	0	0	0	0	0	-	▲Detail
05/20/2024	NM	Walk-Around (Level II)	ANTHONY PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
05/03/2024	GA	Driver-Only (Level III)	MADISON GA	3	0	0	0	0	0	-	▲Detail
05/02/2024	KY	Driver-Only (Level III)	LONDON	1	0	1	0	0	0	-	▲Detail
05/01/2024	GA	Walk-Around (Level II)	ATLANTA GA	0	0	0	0	0	0	-	▲Detail
04/29/2024	TN	Driver-Only (Level III)	GREENE COUNTY SCALES DIST 5	0	0	0	0	0	0	-	▲Detail
04/25/2024	ME	Driver-Only (Level III)	SIDNEY - SCALES	0	0	0	0	0	0	-	▲Detail
04/23/2024	MD	Walk-Around (Level II)	CECILTON SCALE HOUSE	0	0	0	0	0	0	-	▲Detail
04/22/2024	AL	Walk-Around (Level II)	ROADSIDE	0	0	0	0	0	0	-	▲Detail
04/16/2024	GA	Driver-Only (Level III)	LAGRANGE GA	0	0	0	0	0	0	-	▲Detail
03/19/2024	NY	Driver-Only (Level III)	WALLKILL (WB)	0	0	0	0	0	0	-	▲Detail
03/15/2024	GA	Driver-Only (Level III)	LA GRANGE GA	2	0	0	0	0	0	-	▲Detail
03/11/2024	SC	Driver-Only (Level III)	US 378 & I-95	1	0	1	0	0	0	-	▲Detail
02/27/2024	SC	Driver-Only (Level III)	I-85 NB ROADSIDE	1	0	1	0	0	0	-	▲Detail
01/31/2024	AL	Driver-Only (Level III)	ROADSIDE	0	0	0	0	0	0	-	▲Detail
01/24/2024	NM	Walk-Around (Level II)	CLAYTON PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
12/28/2023	SD	Driver-Only (Level III)	JEFFERSON SD	0	0	0	0	0	0	-	▲Detail
12/26/2023	WA	Driver-Only (Level III)	PLYMOUTH WA	1	0	0	0	0	0	-	▲Detail
12/19/2023	NC	Driver-Only (Level III)	I-85 118MM	0	0	0	0	0	0	-	▲Detail
12/18/2023	GA	Full (Level I)	HIGH CRASH CORRIDOR	8	1	2	0	6	1	-	▲Detail

Safety Performance Percentiles

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

Total Inspections70

Unsafe Driving 15 viols

HOS Compliance 4 viols

Vehicle Maintenance 9 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	WESTFIELD INSURANCE CO.	CSP 4 946 066	$750,000	09/01/2009	09/01/2009	Replaced
91X	BIPD/Primary	WESTFIELD INSURANCE CO.	CSP 4 946 066	$1,000,000	09/01/2009	10/02/2018	Cancelled
34	CARGO	WESTFIELD INSURANCE CO.	CSP 4 946 066	$0	09/01/2009	11/18/2015	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC688618	MOTOR PROPERTY COMMON CARRIER	GRANTED	09/11/2009	-	-
MC688618	COMMON	INVOLUNTARY REVOCATION	09/05/2018	DISCONTINUED REVOCATION	10/02/2018

No revocation records.

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

96/100

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 96

Starts at 100−4 totalFinal 96

Fatal crash on record (rate-adjusted)−4

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

-4

Fatal crash on record (rate-adjusted)

Crash rate: 3 crash(es) across 66 vehicles (~0.05 per vehicle); 1 fatal (33% fatal). Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−4 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 3 crash(es) across 66 vehicles (~0.05 per vehicle); 1 fatal (33% fatal). Scaled to fleet size and fatal severity.

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.

VAUGHAN XPRESS INC

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

All Docket Numbers

Cargo Transported

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 (8)

Roadside Violations by Safety Category Last 24 months

Inspection Records (100)

Safety Performance Percentiles

Licensing & Insurance

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