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VALIDATED

GARY M BORING

Trust Score

Excellent Why this score?

Company CheckGARY M BORING · DOT 2245093

DBA: NAVIGATOR FREIGHT SERVICES

122 GRAIN DRIVE, STONY POINT, NC, 28678

DOT# 2245093 MC# 689134 Stony Point, North Carolina 16 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

Not reported

Insurance

Not Rated

Safety Rating

Inspections

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Contact Details

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Physical Address122 GRAIN DRIVE, STONY POINT, NC, 28678

Mailing Address122 GRAIN DRIVE, STONY POINT, NC, 28678

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusNot on file

Required$75,000 (FMCSA min)

Last checked08/08/2026

TypeSurety Bond (BMC-84)

Last filing on record10/01/2013

Surety / TrusteeAMERICAN ALTERNATIVE INSURANCE CORPORATION

Contact☎ (609) 243-4200
🌐 munichre.com

Filings on record7

Bond cancelled Jun 27, 2014 by AMERICAN ALTERNATIVE INSURANCE CORPORATION. This company's broker authority is not currently active. FMCSA requires every broker to keep a $75,000 bond on file; after a cancellation, operating authority is typically revoked within weeks. Confirm current status in FMCSA's official records before booking.

Bond history

AMERICAN ALTERNATIVE INSURANCE CORPORATIONOct 2013 to Jun 2014 · CANCELLED

AMERICAN ALTERNATIVE INSURANCE CORPORATIONMay 2012 to May 2012 · replaced

PACIFIC FINANCIAL ASSOCIATION, INC.Aug 2009 to Jun 2012 · CANCELLED

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

DocketMC689134

CommonNot Active

ContractNot Active

BrokerInactive

Operating16 years

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

Quick Facts

StatusActive

TypeBroker

Operating16 years

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
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20130913479	$0	10/01/2013	06/27/2014	Cancelled
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20130913479	$0	09/16/2013	10/01/2013	Replaced
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	08/27/2009	05/10/2012	Replaced
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	08/27/2009	06/09/2012	Cancelled
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20120509609	$0	05/10/2012	05/10/2012	Replaced
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20120509609	$0	05/10/2012	09/16/2013	Replaced
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20120509609	$0	05/10/2012	10/16/2013	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC689134	PROPERTY BROKER	GRANTED	09/10/2009	REVOKED	07/07/2014

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

−10

Starts at 100−12 totalFinal 88

MCS-150 update overdue−10

No email address on file−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

Active for-hire authority on file, FMCSA requires insurance to keep it active.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-10

MCS-150 update overdue

The required biennial MCS-150 update has not been filed on time (score factor, not a verification failure).

-2

No email address on file

No public email address on record.

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.