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VALIDATED

MICHAEL GARNER

Trust Score

Excellent Why this score?

Company CheckMICHAEL GARNER · DOT 4026897

DBA: MIKE GARNER

602 ROBERTS STATION RD, CHURCH HILL, MD, 21623

DOT# 4026897 MC# 366535 Church Hill, Maryland 27 years

CARRIER

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1

Power Units

1

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Company Information

Legal NameMICHAEL GARNER

DBA NameMIKE GARNER

DOT Number4026897

MC Number366535

Entity TypeCarrier

Operating StatusA - Active

LocationChurch Hill, Maryland

Added02/10/2023

MCS-15007/08/2025

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address602 ROBERTS STATION RD, CHURCH HILL, MD, 21623

Mailing Address602 ROBERTS STATION RD, CHURCH HILL, MD, 21623

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE;EXEMPT FOR HIRE

Carrier OperationA - Interstate

DocketMC366535

CommonNot Active

ContractActive

BrokerNot Active

Operating27 years

Operation Classification

Authorized For HireExempt 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 Mileage20,000 miles

Mileage Year2024

VMT SourceMCS-150 Form

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Insurance

Amount$1,000,000

Type91X

Effective02/10/2026

CompanyAGENCY INSURANCE COMPANY OF MARYLAND, INC

Policy #CA

Last checked09/13/2026

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage20,000 mi

Operating27 years

MCS-15007/2025

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

2024

1 · 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.

Inspection Records (1)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
07/08/2024	NC	Full (Level I)	HILLSBOROUGH WEIGH STATION, I-	0	0	0	0	0	0	-	▲Detail

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	CONTINENTAL CASUALTY CO.	2051681849	$750,000	08/28/2005	03/10/2006	Cancelled
91X	BIPD/Primary	CONTINENTAL CASUALTY CO.	2051681849	$750,000	08/28/2005	08/28/2005	Replaced
91X	BIPD/Primary	CANAL INSURANCE CO.	434219	$1,000,000	08/28/2003	08/28/2004	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	461482	$1,000,000	08/02/2004	02/22/2005	Replaced
91X	BIPD/Primary	FRONTIER INSURANCE COMPANY	LHT 000 1112	$1,000,000	07/14/1999	06/07/2000	Cancelled
91X	BIPD/Primary	DAILY UNDERWRITERS OF AMERICA	PAPDUOA00461	$1,000,000	06/07/2000	09/11/2003	Cancelled
34	CARGO	DAILY UNDERWRITERS OF AMERICA	PAPDUOA00461	$0	06/07/2000	09/11/2003	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	461482	$1,000,000	02/22/2005	08/28/2005	Cancelled
91X	BIPD/Primary	AGENCY INSURANCE COMPANY OF MARYLAND, INC	CA 0037014	$1,000,000	02/15/2023	01/31/2024	Cancelled
91X	BIPD/Primary	AGENCY INSURANCE COMPANY OF MARYLAND, INC	CA 0037014	$1,000,000	01/31/2023	02/15/2023	Replaced
91X	BIPD/Primary	AGENCY INSURANCE COMPANY OF MARYLAND, INC	CA 0037014	$1,000,000	01/31/2023	03/22/2023	Name Changed
91X	BIPD/Primary	AGENCY INSURANCE COMPANY OF MARYLAND, INC	CA 0037014	$1,000,000	01/29/2024	01/31/2025	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC366535	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	09/16/1999	REVOKED	03/20/2006
MC366535	CONTRACT	INVOLUNTARY REVOCATION	08/02/2004	DISCONTINUED REVOCATION	09/02/2004
MC366535	CONTRACT	INVOLUNTARY REVOCATION	08/01/2005	DISCONTINUED REVOCATION	08/31/2005
MC366535	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	02/21/2023	-	-
MC366535	CONTRACT	INVOLUNTARY REVOCATION	01/06/2025	DISCONTINUED REVOCATION	02/03/2025
MC366535	CONTRACT	INVOLUNTARY REVOCATION	01/04/2024	DISCONTINUED REVOCATION	01/31/2024

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

Insurance coverage and carrier are on file with FMCSA.

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.

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