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MIKEAL B FINCH

Trust Score

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Company CheckMIKEAL B FINCH · DOT 2138052

DBA: MIKEAL FINCH TRUCKING

7956 WINN ROAD, JACKSON, AL, 36545

DOT# 2138052 MC# 745092 Jackson, Alabama 15 years

CARRIER

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1

Power Units

1

Drivers

0

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Company Information

Legal NameMIKEAL B FINCH

DBA NameMIKEAL FINCH TRUCKING

DOT Number2138052

MC Number745092

Entity TypeCarrier

Operating StatusA - Active

LocationJackson, Alabama

Added04/01/2011

MCS-15004/16/2026

Contact Details

Phone(251) 744-1988

Fax(251) 246-4339

Email[email protected]

Physical Address7956 WINN ROAD, JACKSON, AL, 36545

Mailing Address7956 WINN ROAD, JACKSON, AL, 36545

Operating Authorities

Authority TypePRIVATE PROPERTY;AUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC745092

CommonActive

ContractNot Active

BrokerNot Active

Operating15 years

Company Overview

MIKEAL B FINCH is a FMCSA-validated carrier based in Jackson, Alabama. The company has been in operation for 15 years, registered with the FMCSA on 04/01/2011. The fleet consists of 1 power unit and 1 driver. Annual mileage is reported at 1 miles (2025). The company has a clean safety record with zero reported crashes. Insurance coverage of $750,000 is on file through PLAZA INSURANCE COMPANY. Active operating authorities include Common. Based on authority, insurance, safety, and compliance data, MIKEAL B FINCH has a Trust Score of 100/100 (Excellent).

Operation Classification

Authorized For HirePrivate (Property)

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 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage1 miles

Mileage Year2025

VMT SourceMCS-150 Form

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatYes

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 07/07/2026

CompanyPLAZA INSURANCE COMPANY

Policy #PCATS000589-01

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage1 mi

Operating15 years

MCS-15004/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	PLAZA INSURANCE COMPANY	PCATS000589-00	$1,000,000	12/30/2014	12/30/2015	Replaced
91X	BIPD/Primary	LIBERTY INSURANCE UNDERWRITERS	TIA-001491-0113	$1,000,000	11/06/2014	12/30/2014	Replaced
91X	BIPD/Primary	PROGRESSIVE SPECIALTY INS. CO.	CA 5253697	$1,000,000	04/11/2011	02/14/2014	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC745092	MOTOR PROPERTY COMMON CARRIER	REINSTATED	11/07/2014	-	-
MC745092	MOTOR PROPERTY COMMON CARRIER	GRANTED	04/29/2011	REVOKED	02/24/2014

No revocation records.

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100/100

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

100, no deductions

Clean record, the bar stays full at 100.

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 7/7/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

Clean record, no deductions. This carrier starts and stays at 100.

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.