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TERRENCE PAYNE

Trust Score

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Company CheckTERRENCE PAYNE · DOT 2056378

DBA: T PAYNE TRUCKING

5518 OLEARY ST, CHATTANOOGA, TN, 37410

DOT# 2056378 MC# 719822 Chattanooga, Tennessee 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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Contact Details

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Physical Address5518 OLEARY ST, CHATTANOOGA, TN, 37410

Mailing Address1101 W 40TH ST PO BOX 2023, CHATTANOOGA, TN, 37410

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC719822

CommonActive

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 5 · 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 23 · 1 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage98,206 miles

Mileage Year2023

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)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS100.0% avg 20.7%

SmartWay PartnerNo

Last Review02/19/2020

Insurance

Amount$750,000

Type91

VerifiedFMCSA · 07/28/2026

CompanyOOIDA RISK RETENTION GROUP, INC.

Policy #PL199535138

Last checked08/01/2026

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage98,206 mi

Operating15 years

MCS-15010/2024

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total1

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total1

Out of Service1

OOS Rate100.0%

National Avg20.7%

Above National Average

Last FMCSA Review: 02/19/2020

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

2024

1 · 1 OOS -

Crashes

No crashes on record.

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

Inspection Records (1)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
07/31/2024	PA	Full (Level I)	ON LANCASTER PIKE N JUST SOUTH	7	1	2	0	5	1	-	▲Detail

Safety Performance Percentiles

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

Total Inspections1

HOS Compliance 1 viols

Vehicle Maintenance 1 viols

Out of Service Orders (2)

OOS Date	Reason	Status	Rescind Date
2017-05-16	90 day failure to pay fine	ACTIVE	2017-05-19
2011-08-22	New Entrant Revoked - Failure of Safety Audit	ACTIVE	2011-09-21

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	10/14/2011	01/13/2012	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	10/11/2012	02/15/2013	Cancelled
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	09/16/2024	09/11/2024	Replaced
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	09/13/2011	10/14/2011	Cancelled
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	09/11/2024	01/20/2025	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	08/17/2011	09/13/2011	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	08/11/2012	10/11/2012	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	08/04/2010	08/17/2011	Cancelled
34	CARGO	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$0	08/04/2010	03/21/2011	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	07/12/2012	08/11/2012	Cancelled
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	07/09/2024	09/11/2024	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	06/09/2012	07/12/2012	Cancelled
91X	BIPD/Primary	NATIONAL INDEMNITY COMPANY OF THE SOUTH	74TRS047719	$750,000	04/17/2015	02/05/2016	Replaced
91X	BIPD/Primary	NATIONAL INDEMNITY COMPANY OF THE SOUTH	74TRS047719	$750,000	04/17/2015	03/10/2016	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	PIA07653401	$750,000	04/16/2014	04/17/2015	Replaced
91X	BIPD/Primary	CASTLEPOINT NATIONAL INSURANCE CO	BAPBZ0654613	$750,000	04/16/2013	04/16/2014	Cancelled
91X	BIPD/Primary	CASTLEPOINT NATIONAL INSURANCE CO	BAPBZ654613	$750,000	04/16/2013	04/16/2013	Replaced
91X	BIPD/Primary	CASTLEPOINT NATIONAL INSURANCE CO	BAPBZ0654613	$750,000	04/16/2013	11/20/2013	Cancelled
91X	BIPD/Primary	CASTLEPOINT NATIONAL INSURANCE CO	BAPBZ0654613	$750,000	04/16/2013	04/16/2013	Replaced
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	04/13/2024	07/10/2024	Cancelled
91X	BIPD/Primary	NATIONAL CASUALTY COMPANY	LTO0067622	$750,000	04/13/2021	04/13/2024	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	WN256729	$750,000	04/13/2019	04/13/2021	Replaced
91X	BIPD/Primary	SPIRIT COMMERCIAL AUTO RR GROUP, INC	CAC 00001-05037-18	$750,000	04/13/2018	04/13/2019	Cancelled
91X	BIPD/Primary	SPIRIT COMMERCIAL AUTO RR GROUP, INC	CAC 00001-05037-17	$750,000	04/13/2017	04/13/2018	Replaced
91X	BIPD/Primary	SPIRIT COMMERCIAL AUTO RR GROUP, INC	CAC 00001-05037-16	$750,000	04/13/2016	04/13/2017	Replaced
34	CARGO	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$0	03/21/2011	08/17/2011	Cancelled
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	02/28/2025	04/14/2025	Replaced
91X	BIPD/Primary	NATIONAL INDEMNITY COMPANY OF THE SOUTH	74TRS047719	$750,000	02/17/2016	04/06/2016	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	02/15/2013	04/16/2013	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	02/11/2012	06/09/2012	Cancelled
91X	BIPD/Primary	NATIONAL INDEMNITY COMPANY OF THE SOUTH	74TRS047719	$750,000	02/05/2016	03/18/2016	Cancelled
91X	BIPD/Primary	NATIONAL INDEMNITY COMPANY OF THE SOUTH	74TRS047719	$750,000	02/05/2016	02/17/2016	Replaced
91X	BIPD/Primary	UNITED STATES FIRE INSURANCE CO.	506-9091303	$750,000	01/20/2025	02/28/2025	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199511314	$1,000,000	01/13/2012	02/11/2012	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC719822	CONTRACT	INVOLUNTARY REVOCATION	12/24/2024	DISCONTINUED REVOCATION	01/23/2025
MC719822	COMMON	INVOLUNTARY REVOCATION	12/24/2024	DISCONTINUED REVOCATION	01/23/2025
MC719822	COMMON	INVOLUNTARY REVOCATION	10/24/2013	DISCONTINUED REVOCATION	10/28/2013
MC719822	CONTRACT	INVOLUNTARY REVOCATION	10/24/2013	DISCONTINUED REVOCATION	10/28/2013
MC719822	CONTRACT	INVOLUNTARY REVOCATION	09/19/2011	DISCONTINUED REVOCATION	10/13/2011
MC719822	COMMON	INVOLUNTARY REVOCATION	09/19/2011	DISCONTINUED REVOCATION	10/13/2011
MC719822	CONTRACT	INVOLUNTARY REVOCATION	09/14/2012	DISCONTINUED REVOCATION	10/12/2012
MC719822	COMMON	INVOLUNTARY REVOCATION	09/14/2012	DISCONTINUED REVOCATION	10/12/2012
MC719822	CONTRACT	INVOLUNTARY REVOCATION	08/15/2024	DISCONTINUED REVOCATION	09/17/2024
MC719822	COMMON	INVOLUNTARY REVOCATION	08/15/2024	DISCONTINUED REVOCATION	09/17/2024
MC719822	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	08/10/2010	REVOKED	04/12/2016
MC719822	MOTOR PROPERTY COMMON CARRIER	GRANTED	08/10/2010	REVOKED	04/12/2016
MC719822	CONTRACT	INVOLUNTARY REVOCATION	07/16/2012	DISCONTINUED REVOCATION	08/13/2012
MC719822	COMMON	INVOLUNTARY REVOCATION	07/16/2012	DISCONTINUED REVOCATION	08/13/2012
MC719822	CONTRACT	INVOLUNTARY REVOCATION	06/13/2024	DISCONTINUED REVOCATION	07/10/2024
MC719822	COMMON	INVOLUNTARY REVOCATION	06/13/2024	DISCONTINUED REVOCATION	07/10/2024
MC719822	CONTRACT	INVOLUNTARY REVOCATION	05/14/2012	DISCONTINUED REVOCATION	05/15/2012
MC719822	COMMON	INVOLUNTARY REVOCATION	05/14/2012	DISCONTINUED REVOCATION	05/15/2012
MC719822	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	04/19/2016	-	-
MC719822	MOTOR PROPERTY COMMON CARRIER	REINSTATED	04/19/2016	-	-
MC719822	COMMON	INVOLUNTARY REVOCATION	03/20/2014	DISCONTINUED REVOCATION	04/16/2014
MC719822	CONTRACT	INVOLUNTARY REVOCATION	03/20/2014	DISCONTINUED REVOCATION	04/16/2014
MC719822	CONTRACT	INVOLUNTARY REVOCATION	03/20/2013	DISCONTINUED REVOCATION	04/18/2013
MC719822	COMMON	INVOLUNTARY REVOCATION	03/20/2013	DISCONTINUED REVOCATION	04/18/2013
MC719822	CONTRACT	INVOLUNTARY REVOCATION	03/18/2024	DISCONTINUED REVOCATION	04/09/2024
MC719822	COMMON	INVOLUNTARY REVOCATION	03/18/2024	DISCONTINUED REVOCATION	04/09/2024
MC719822	COMMON	INVOLUNTARY REVOCATION	03/18/2019	DISCONTINUED REVOCATION	04/15/2019
MC719822	CONTRACT	INVOLUNTARY REVOCATION	03/18/2019	DISCONTINUED REVOCATION	04/15/2019
MC719822	COMMON	INVOLUNTARY REVOCATION	02/22/2011	DISCONTINUED REVOCATION	03/02/2011
MC719822	COMMON	INVOLUNTARY REVOCATION	02/03/2025	DISCONTINUED REVOCATION	03/04/2025
MC719822	CONTRACT	INVOLUNTARY REVOCATION	02/03/2025	DISCONTINUED REVOCATION	03/04/2025
MC719822	CONTRACT	INVOLUNTARY REVOCATION	01/22/2013	DISCONTINUED REVOCATION	02/13/2013
MC719822	COMMON	INVOLUNTARY REVOCATION	01/22/2013	DISCONTINUED REVOCATION	02/13/2013
MC719822	CONTRACT	INVOLUNTARY REVOCATION	01/17/2012	DISCONTINUED REVOCATION	02/13/2012
MC719822	COMMON	INVOLUNTARY REVOCATION	01/17/2012	DISCONTINUED REVOCATION	02/13/2012

No revocation records.

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

95/100

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 95

Starts at 100−5 totalFinal 95

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

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

FMCSA shows active coverage on file as of 7/28/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-5

Vehicle out-of-service rate above national average

Vehicle OOS 100% vs national avg 20.72%.

Where this company lands, risk scales

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 100% 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.

TERRENCE PAYNE

Trust Score

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

Inspection Records (1)

Safety Performance Percentiles

Out of Service Orders (2)

Licensing & Insurance

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