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VALIDATED

LOYD'S ROME TOWING AND AUTO REPAIR INC

Trust Score

Excellent Why this score?

Company CheckLOYD'S ROME TOWING AND AUTO REPAIR INC · DOT 347747

DBA: LOYD'S WRECKER SERVICE

711 E 19TH ST, ROME, GA, 30161

DOT# 347747 MC# 484375 Rome, Georgia 22 years

CARRIER Legal name changed · Aug 19, 2026

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20

Power Units

6

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Satisfactory

Safety Rating

38

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

6 events tracked · latest Aug 31, 2026 ↓ Show details ↓

Identity & ownership 1

Aug 19, 2026
Company legal name changed.

Safety & compliance 4

Nov 19, 2025
Clean roadside inspection, no violations.
Nov 19, 2025
Clean roadside inspection, no violations.
Nov 19, 2025
Clean roadside inspection, no violations.
Nov 19, 2025
Clean roadside inspection, no violations.

Insurance 1

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

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

Company Information

Legal NameLOYD'S ROME TOWING AND AUTO REPAIR INC

DBA NameLOYD'S WRECKER SERVICE

DOT Number347747

MC Number484375

Entity TypeCarrier

Operating StatusA - Active

LocationRome, Georgia

Added03/22/1989

MCS-15004/29/2026

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address711 E 19TH ST, ROME, GA, 30161

Mailing Address1501 TURNER MCCALL BLVD, ROME, GA, 30161

Other Companies at This Address

Address711 E 19TH ST, ROME, GA 30161

1

Others here

2

Distinct phones

2

Active

Company	DOT	Phone	Status
DEBBIE LOYD	1312324	Sign in	Active
LOYD'S ROME TOWING AND AUTO REPAIR INC this company	347747	Sign in	Active

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypePRIVATE PROPERTY;AUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC484375

CommonActive

ContractNot Active

BrokerNot Active

Operating22 years

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 Mileage250,000 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

6

Interstate

0

Intrastate

0

CDL

6

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingSatisfactory

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Last Review04/29/2004

Insurance

Amount$1,000,000

Type91X

VerifiedFMCSA · 06/16/2026

CompanyCENTRAL MUTUAL INSURANCE COMPANY

Policy #8692067

Last checked08/30/2026

Quick Facts

StatusActive

TypeCarrier

Fleet20 units

Drivers6

Mileage250,000 mi

Operating22 years

MCS-15004/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Safety RatingSatisfactory

Driver Inspections

Total24

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total14

Out of Service0

OOS Rate0.0%

National Avg20.7%

Below National Average

HazMat Inspections

Total1

OOS0

OOS Rate0.0% (avg 4.5%)

Last FMCSA Review: 04/29/2004 | Rated: 05/03/2004

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

4 · 0 OOS -

2024

5 · 0 OOS =

2025

19 · 0 OOS =

Crashes

2023

1 crash -

2024

0 crashes ▼

2025

0 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 Nov 2025, 24 inspections, 0 resulted in out-of-service (0% OOS rate).

Clean, no out-of-service violations in the last 24 months.

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (1)

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
11/20/2023	ROME	GA	0	0	1	2	Severe Crosswinds	Dry	Daylight

Inspection Records (28)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/19/2025	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
08/20/2025	GA	Driver-Only (Level III)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/21/2024	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/21/2024	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/21/2024	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/21/2024	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
11/21/2024	GA	Full (Level I)	ROME GA	0	0	0	0	0	0	-	▲Detail
12/18/2023	GA	Full (Level I)	MULTI-LANE URBAN HIGHWAY	0	0	0	0	0	0	-	▲Detail
12/18/2023	GA	Full (Level I)	MULTI-LANE URBAN HIGHWAY	0	0	0	0	0	0	-	▲Detail
12/18/2023	GA	Full (Level I)	MULTI-LANE URBAN HIGHWAY	0	0	0	0	0	0	-	▲Detail
12/18/2023	GA	Full (Level I)	MULTI-LANE RURAL HIGHWAY	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections24

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP111243	$1,000,000	08/31/2020	08/31/2021	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP007222	$1,000,000	08/31/2019	08/31/2020	Cancelled
91X	BIPD/Primary	PENNSYLVANIA MANUF. ASSOC. INS.	151701 9921982	$750,000	08/31/2017	08/31/2019	Cancelled
91X	BIPD/Primary	PENNSYLVANIA MANUF. ASSOC. INS.	151601 9921982	$1,000,000	08/31/2016	09/29/2017	Cancelled
91X	BIPD/Primary	PENNSYLVANIA MANUF. ASSOC. INS.	151601 9921982	$1,000,000	08/31/2016	08/31/2017	Replaced
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TWR0026600	$1,000,000	08/31/2015	08/31/2016	Replaced
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TWR0026600	$1,000,000	08/31/2015	09/28/2016	Cancelled
91X	BIPD/Primary	ATLANTIC SPECIALTY INSURANCE COMPANY	613-00-02-33-0001	$750,000	08/31/2014	08/31/2015	Cancelled
91X	BIPD/Primary	ATLANTIC SPECIALTY INSURANCE COMPANY	613-00-02-33-0000	$1,000,000	08/31/2013	08/31/2014	Cancelled
91X	BIPD/Primary	NOVA CASUALTY COMPANY	TIP-CL-0010843-1	$1,000,000	08/31/2012	08/31/2013	Cancelled
91X	BIPD/Primary	NOVA CASUALTY COMPANY	TIP-CL-0010843-0	$1,000,000	08/31/2011	08/31/2012	Cancelled
34	CARGO	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-D	$0	08/31/2010	08/31/2011	Cancelled
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-D	$1,000,000	08/31/2010	08/31/2011	Cancelled
34	CARGO	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-C	$0	08/31/2009	08/31/2010	Cancelled
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-C	$1,000,000	08/31/2009	08/31/2010	Cancelled
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-B	$1,000,000	08/31/2008	08/31/2009	Cancelled
34	CARGO	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-B	$0	08/31/2008	08/31/2009	Cancelled
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-A	$750,000	08/31/2007	08/31/2008	Cancelled
34	CARGO	STATE NATIONAL INSURANCE CO., INC.	TIP-000405-A	$0	08/31/2007	08/31/2008	Cancelled
34	CARGO	STATE NATIONAL INSURANCE CO., INC.	TIP-000405	$0	08/31/2006	08/31/2007	Cancelled
91X	BIPD/Primary	STATE NATIONAL INSURANCE CO., INC.	TIP-000405	$750,000	08/31/2006	08/31/2007	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-03	$1,000,000	08/31/2005	08/31/2006	Cancelled
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-03	$0	08/31/2005	08/31/2006	Cancelled
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-02	$0	08/31/2004	08/31/2005	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-02	$1,000,000	08/31/2004	08/31/2005	Cancelled
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-01	$0	08/31/2003	08/31/2004	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	LTP100327-01	$1,000,000	08/31/2003	08/31/2004	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC484375	COMMON	INVOLUNTARY REVOCATION	08/06/2012	DISCONTINUED REVOCATION	08/30/2012
MC484375	COMMON	INVOLUNTARY REVOCATION	08/06/2007	DISCONTINUED REVOCATION	08/31/2007
MC484375	COMMON	INVOLUNTARY REVOCATION	08/05/2019	DISCONTINUED REVOCATION	09/03/2019
MC484375	COMMON	INVOLUNTARY REVOCATION	08/05/2013	DISCONTINUED REVOCATION	08/30/2013
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2021	DISCONTINUED REVOCATION	09/01/2021
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2020	DISCONTINUED REVOCATION	09/01/2020
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2015	DISCONTINUED REVOCATION	09/01/2015
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2014	DISCONTINUED REVOCATION	09/02/2014
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2011	DISCONTINUED REVOCATION	08/31/2011
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2010	DISCONTINUED REVOCATION	08/27/2010
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2009	DISCONTINUED REVOCATION	08/27/2009
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2008	DISCONTINUED REVOCATION	08/29/2008
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2006	DISCONTINUED REVOCATION	08/31/2006
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2005	DISCONTINUED REVOCATION	08/31/2005
MC484375	COMMON	INVOLUNTARY REVOCATION	08/04/2004	DISCONTINUED REVOCATION	09/08/2004
MC484375	MOTOR PROPERTY COMMON CARRIER	GRANTED	06/17/2004	-	-

No revocation records.

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

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98/100

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 98

98

Starts at 100−2 totalFinal 98

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

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

Satisfactory FMCSA safety rating.

What's lowering this score

-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.

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