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VALIDATED

CHAT OF MICHIGAN INC

Trust Score

Excellent Why this score?

Company CheckCHAT OF MICHIGAN INC · DOT 29590

40430 VAN BORN, CANTON, MI, 48188

DOT# 29590 MC# 5587 Canton, Michigan 20 years

CARRIER

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2

Power Units

2

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Company Information

Legal NameCHAT OF MICHIGAN INC

DOT Number29590

MC Number5587

Entity TypeCarrier

Operating StatusA - Active

LocationCanton, Michigan

Added06/01/1974

MCS-15010/31/2025

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address40430 VAN BORN, CANTON, MI, 48188

Mailing Address9850 PELHAM, TAYLOR, MI, 48180

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 StatusActive

On File (FMCSA)$75,000

VerifiedFMCSA · 07/09/2026

Required$75,000 (FMCSA min)

Last checked07/26/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeAMERICAN ALTERNATIVE INSURANCE CORPORATION

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

Filings on record3

Bond history

AMERICAN ALTERNATIVE INSURANCE CORPORATIONsince Oct 1, 2013 · active

AMERICAN ALTERNATIVE INSURANCE CORPORATIONJun 2012 to Oct 2013 · replaced

NAVIGATORS INSURANCE COMPANYJun 2006 to Jun 2012 · CANCELLED

XL SPECIALTY INSURANCE COMPANYJun 2005 to Jun 2006 · CANCELLED

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketFF005587

CommonNot Active

ContractActive

BrokerNot Active

Operating20 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 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 Mileage28,117 miles

Mileage Year2022

VMT SourceMCS-150 Form

Drivers

2

Interstate

0

Intrastate

0

CDL

2

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$1,000,000

Type91X

VerifiedFMCSA · 07/09/2026

CompanyEASTERN ATLANTIC INSURANCE COMPANY

Policy #TEA220029125

Last checked07/26/2026

Quick Facts

StatusActive

TypeCarrier

Fleet2 units

Drivers2

Mileage28,117 mi

Operating20 years

MCS-15010/2025

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
34	CARGO	ZURICH AMERICAN INSURANCE COMPANY	BAP 5942261-00	$0	10/05/2008	10/30/2009	Replaced
91X	BIPD/Primary	AMERICAN STATES INSURANCE CO.	01CH910448	$1,000,000	07/14/2008	10/23/2008	Cancelled
34	CARGO	AMERICAN ECONOMY INSURANCE COMPANY	02CC969421	$0	06/29/2005	10/23/2008	Cancelled
91X	BIPD/Primary	AMERICAN STATES INSURANCE CO.	01CG355268	$1,000,000	06/29/2005	07/14/2008	Replaced
91X	BIPD/Primary	AMERICAN STATES INSURANCE CO.	01CG355268	$1,000,000	06/29/2005	07/24/2008	Cancelled
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	005587	$0	06/07/2012	10/01/2013	Replaced
84	SURETY	NAVIGATORS INSURANCE COMPANY	91508	$0	06/07/2006	06/07/2012	Cancelled
84	SURETY	XL SPECIALTY INSURANCE COMPANY	8392733	$0	06/07/2005	06/07/2006	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
FF005587	PROPERTY FREIGHT FORWARDER	GRANTED	10/31/2005	REVOKED	10/29/2008
FF005587	PROPERTY FREIGHT FORWARDER	REINSTATED	02/09/2009	-	-

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 7/9/2026.

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.