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VALIDATED

JAMES R MCCRARY

Trust Score

Excellent Why this score?

Company CheckJAMES R MCCRARY · DOT 3547675

DBA: MCCRARY FARMS & TRANSPORT

905 EVERETTS LAKE RD, FINLEY, TN, 38030

DOT# 3547675 MC# 1186959 Finley, Tennessee 5 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

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

5 events tracked · latest Jul 26, 2026 ↓ Show details ↓

Safety & compliance 4

Nov 10, 2025
Roadside inspection, 1 violation (no OOS).
May 27, 2025
Clean roadside inspection, no violations.
Mar 17, 2025
Roadside inspection, 1 violation (no OOS).
Nov 1, 2024
Roadside inspection, 1 out-of-service violation.

Insurance 1

Current
Active insurance on file ($750,000).

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

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address905 EVERETTS LAKE RD, FINLEY, TN, 38030

Mailing Address905 EVERETTS LAKE RD, FINLEY, TN, 38030-4002

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC1186959

CommonActive

ContractNot Active

BrokerNot Active

Operating5 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 7.18 · 2 insp with violations

Below cutoff

Hours-of-Service Compliance

measure 1 · 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 4.33 · 2 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage100,000 miles

Mileage Year2024

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 OOS20.0% avg 5.5%

Vehicle OOS50.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 07/08/2026

CompanyACUITY, A MUTUAL INSURANCE COMPANY

Policy #CA-ZW6715

Last checked07/25/2026

Quick Facts

StatusActive

TypeCarrier

Fleet2 units

Drivers3

Mileage100,000 mi

Operating5 years

MCS-15006/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total5

Out of Service1

OOS Rate20.0%

National Avg5.5%

Above National Average

Vehicle Inspections

Total2

Out of Service1

OOS Rate50.0%

National Avg20.7%

Above National Average

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

1 · 1 OOS -

2024

3 · 2 OOS ▲

2025

3 · 0 OOS ▼

Crashes

No crashes on record.

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, 5 inspections, 2 resulted in out-of-service (40% OOS rate).

Driver Out-of-Service 1 OOS

Vehicle Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Roadside Violations by Safety Category Last 24 months

9 roadside violations across 5 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service

Vehicle Maintenance 4 violations · 1 OOS

Unsafe Driving 4 violations · 0 OOS

Hours-of-Service (HOS) Compliance 1 violation · 1 OOS

Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (7)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
11/10/2025	MO	Walk-Around (Level II)	NEW MADRID MO	1	0	0	0	0	0	-	▲Detail
05/27/2025	TN	Driver-Only (Level III)	FOWLKES TN	0	0	0	0	0	0	-	▲Detail
03/17/2025	TN	Driver-Only (Level III)	HENNING TN	1	0	0	0	0	0	-	▲Detail
11/01/2024	MO	Walk-Around (Level II)	MARSTON MO	3	1	0	0	0	1	-	▲Detail
08/13/2024	MO	Driver-Only (Level III)	IMPERIAL MO	4	1	0	1	0	0	-	▲Detail
01/24/2024	MO	Walk-Around (Level II)	CARUTHERSVILLE MO	2	0	0	0	0	0	-	▲Detail
12/04/2023	TN	Full (Level I)	THP 4 HAYWOOD SCALES - EAST	5	1	1	0	4	1	-	▲Detail

Safety Performance Percentiles

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

Total Inspections5

Unsafe Driving 2 viols

HOS Compliance 1 viols

Vehicle Maintenance 2 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA951645598	$750,000	08/17/2021	08/17/2024	Replaced
91X	BIPD/Primary	SHELTER GENERAL INSURANCE COMPANY	01-C-10723909	$1,000,000	02/01/2021	08/17/2021	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC1186959	MOTOR PROPERTY COMMON CARRIER	GRANTED	02/09/2021	-	-

No revocation records.

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

90/100

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 90

Starts at 100−10 totalFinal 90

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

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 7/8/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-5

Driver out-of-service rate above national average

Driver OOS 20% vs national avg 5.51%.

-5

Vehicle out-of-service rate above national average

Vehicle OOS 50% vs national avg 20.72%.

Where this company lands, risk scales

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 20% vs national avg 5.51%.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 50% 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.

JAMES R MCCRARY

Trust Score

Public record

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

Out-of-Service Summary Last 24 months

Roadside Violations by Safety Category Last 24 months

Inspection Records (7)

Safety Performance Percentiles

Licensing & Insurance

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