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PTI CARGO INC

Trust Score

Excellent Why this score?

Company CheckPTI CARGO INC · DOT 4087949

773 FREDERICK CT, SOUTH LEBANON, OH, 45065

DOT# 4087949 MC# 1556654 South Lebanon, Ohio 3 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

121

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

9 events tracked · latest Aug 24, 2026 ↓ Show details ↓

Safety & compliance 8

Aug 8, 2026
Clean roadside inspection, no violations.
Aug 7, 2026
Roadside inspection, 1 out-of-service violation.
Aug 6, 2026
Roadside inspection, 1 violation (no OOS).
Jul 30, 2026
Roadside inspection, 1 violation (no OOS).
May 7, 2026
Crash reported (no fatalities).
Apr 1, 2026
Crash reported (no fatalities).
Jan 16, 2026
Crash reported (no fatalities).
Aug 7, 2025
DISCONTINUED REVOCATION COMMON.

Insurance 1

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

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

Contact Details

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Physical Address773 FREDERICK CT, SOUTH LEBANON, OH, 45065

Mailing Address773 FREDERICK CT, SOUTH LEBANON, OH, 45065

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC1556654

CommonActive

ContractNot Active

BrokerNot Active

Operating3 years

All Docket Numbers

MC1556654

Cargo Transported

General Freight

Operation Classification

Authorized For Hire Hazardous Materials

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 2.11 · 16 insp with violations

Below cutoff

Hours-of-Service Compliance

measure .68 · 9 insp with violations

Below cutoff

Driver Fitness

measure .22 · 4 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 2.95 · 29 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage8,576,201 miles

Mileage Year2024

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

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)3

Fatal0

Driver OOS7.6% avg 5.5%

Vehicle OOS23.8% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 08/07/2026

CompanyUNIVERSAL CASUALTY RISK RETENTION GROUP, INC

Policy #URG-04576

Last checked08/24/2026

Quick Facts

StatusActive

TypeCarrier

Fleet30 units

Drivers30

Mileage8,576,201 mi

Operating3 years

MCS-15006/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)3

Fatal0

Injury1

Tow-Away2

Driver Inspections

Total79

Out of Service6

OOS Rate7.6%

National Avg5.5%

Above National Average

Vehicle Inspections

Total42

Out of Service10

OOS Rate23.8%

National Avg20.7%

Above National Average

HazMat Inspections

Total3

OOS1

OOS Rate33.3% (avg 4.5%)

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

7 · 1 OOS -

2025

38 · 5 OOS ▲

2026

77 · 20 OOS ▲

Crashes

2024

0 crashes -

2025

1 crash ▲

2026

3 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 Aug 2026, 122 inspections, 26 resulted in out-of-service (21.3% OOS rate).

Driver Out-of-Service 17 OOS

Vehicle Out-of-Service 18 OOS

HazMat Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (4)

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	Injuries	Tow	Vehicles	Weather	Road	Light
05/07/2026	CAMBRIDGE CITY	IN	0	1	3	Clear	Dry	Daylight
04/01/2026	BELLEVUE	WA	0	1	3	Rain	Wet	Daylight
01/16/2026	CHEYENNE	WY	0	1	1	Blowing Snow	Dry	Daylight
11/30/2025	Not Reported	VA	1	1	2	Clear	Dry	Dusk

Roadside Violations by Safety Category Last 24 months

153 roadside violations across 122 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 56 violations · 18 OOS

Unsafe Driving 46 violations · 0 OOS

Hours-of-Service (HOS) Compliance 26 violations · 10 OOS

Driver Fitness 13 violations · 11 OOS

Hazardous Materials 9 violations · 3 OOS

Other (General) 3 violations · 0 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 (100)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
08/08/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
08/07/2026	AL	Walk-Around (Level II)	COTTONDALE AL	3	1	1	1	2	0	-	▲Detail
08/06/2026	WA	Walk-Around (Level II)	GRANDVIEW WA	1	0	0	0	1	0	-	▲Detail
07/30/2026	NM	Driver-Only (Level III)	NM	1	0	1	0	0	0	-	▲Detail
07/29/2026	WA	Walk-Around (Level II)	WAPATO WA	1	0	0	0	1	0	-	▲Detail
07/25/2026	MO	Driver-Only (Level III)	WRIGHT CITY MO	1	0	1	0	0	0	-	▲Detail
07/23/2026	WA	Walk-Around (Level II)	LIBERTY LAKE WA	0	0	0	0	0	0	-	▲Detail
07/21/2026	OH	Walk-Around (Level II)	ZANESVILLE OH	3	1	2	1	1	0	-	▲Detail
07/17/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
07/17/2026	IN	Driver-Only (Level III)	PORTAGE IN	1	0	1	0	0	0	-	▲Detail
07/16/2026	NY	Driver-Only (Level III)	SLATE HILL NY	0	0	0	0	0	0	-	▲Detail
07/15/2026	CA	Full (Level I)	CA	1	0	0	0	1	0	-	▲Detail
07/14/2026	AZ	Driver-Only (Level III)	SANDERS AZ	0	0	0	0	0	0	-	▲Detail
07/10/2026	OR	Driver-Only (Level III)	CRESCENT OR	3	1	2	1	1	0	-	▲Detail
07/09/2026	IL	Driver-Only (Level III)	I-355	0	0	0	0	0	0	-	▲Detail
07/09/2026	AL	Driver-Only (Level III)	FORT PAYNE AL	4	3	4	3	0	0	-	▲Detail
07/09/2026	WV	Driver-Only (Level III)	MORGANTOWN WV	2	0	2	0	0	0	-	▲Detail
07/03/2026	CO	Full (Level I)	DENVER CO	0	0	0	0	0	0	-	▲Detail
07/01/2026	CA	Driver-Only (Level III)	CA	1	0	1	0	0	0	-	▲Detail
06/27/2026	SD	Driver-Only (Level III)	TILFORD SD	0	0	0	0	0	0	-	▲Detail
06/26/2026	OR	Driver-Only (Level III)	ASHLAND OR	0	0	0	0	0	0	-	▲Detail
06/25/2026	OR	Driver-Only (Level III)	ASHLAND OR	2	2	2	2	0	0	-	▲Detail
06/23/2026	MO	Driver-Only (Level III)	BOONVILLE MO	2	0	2	0	0	0	-	▲Detail
06/22/2026	MD	Walk-Around (Level II)	PERRYVILLE MD	0	0	0	0	0	0	-	▲Detail
06/22/2026	OH	Walk-Around (Level II)	BROOKVILLE OH	2	0	0	0	2	0	-	▲Detail
06/22/2026	OR	Driver-Only (Level III)	ASHLAND OR	2	2	2	2	0	0	-	▲Detail
06/10/2026	CT	Walk-Around (Level II)	CT	0	0	0	0	0	0	-	▲Detail
06/05/2026	NC	Driver-Only (Level III)	ASHEVILLE NC	0	0	0	0	0	0	-	▲Detail
05/27/2026	NM	Walk-Around (Level II)	SAN JON PORT OF ENTRY	2	0	0	0	2	0	-	▲Detail
05/25/2026	PA	Driver-Only (Level III)	PHILADELPHIA PA	1	0	1	0	0	0	-	▲Detail
05/21/2026	OR	Walk-Around (Level II)	HUNTINGTON OR	1	1	0	0	1	1	-	▲Detail
05/15/2026	WA	Walk-Around (Level II)	WAPATO WA	0	0	0	0	0	0	-	▲Detail
05/12/2026	CA	Full (Level I)	CA	3	0	3	0	0	0	-	▲Detail
05/09/2026	UT	Walk-Around (Level II)	BRIGHAM CITY UT	1	1	0	0	1	1	-	▲Detail
05/07/2026	CA	Walk-Around (Level II)	CA	2	1	0	0	2	1	-	▲Detail
05/06/2026	IN	Walk-Around (Level II)	SEYMOUR IN	0	0	0	0	0	0	-	▲Detail
05/05/2026	CA	Walk-Around (Level II)	CA	1	0	0	0	1	0	-	▲Detail
05/01/2026	NY	Walk-Around (Level II)	SLATE HILL NY	2	0	1	0	1	0	-	▲Detail
05/01/2026	OH	Walk-Around (Level II)	HUBBARD OH	1	1	0	0	1	1	-	▲Detail
04/30/2026	MD	Walk-Around (Level II)	BALTIMORE MD	1	1	0	0	1	1	-	▲Detail
04/30/2026	WI	Walk-Around (Level II)	STURTEVANT WI	1	0	0	0	1	0	-	▲Detail
04/29/2026	CA	Full (Level I)	CORDELIA IF	0	0	0	0	0	0	-	▲Detail
04/28/2026	NM	Driver-Only (Level III)	TEXICO PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
04/28/2026	WY	Walk-Around (Level II)	WY	1	1	0	0	1	1	-	▲Detail
04/27/2026	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
04/21/2026	KY	Walk-Around (Level II)	SHELBYVILLE	2	0	1	0	1	0	-	▲Detail
04/19/2026	WY	Full (Level I)	CHEYENNE I-80 POE	1	0	0	0	1	0	-	▲Detail
04/18/2026	CA	Full (Level I)	MT. PASS JPOE CVEF	0	0	0	0	0	0	-	▲Detail
04/15/2026	NH	Walk-Around (Level II)	NH	2	0	1	0	1	0	-	▲Detail
04/14/2026	IN	Driver-Only (Level III)	INDIANAPOLIS IN	1	0	1	0	0	0	-	▲Detail
04/13/2026	OR	Walk-Around (Level II)	JUNIPER BUTTE OR	1	1	1	1	0	0	-	▲Detail
04/08/2026	NM	Walk-Around (Level II)	GALLUP PORT OF ENTRY	2	2	0	0	2	2	-	▲Detail
04/06/2026	TX	Walk-Around (Level II)	US84 EB SNYDER SCALE	1	0	0	0	1	0	-	▲Detail
04/04/2026	NV	Driver-Only (Level III)	NV	4	1	4	1	0	0	-	▲Detail
04/02/2026	WA	Driver-Only (Level III)	RIDGEFIELD WA	0	0	0	0	0	0	-	▲Detail
04/02/2026	OK	Driver-Only (Level III)	EL RENO SCALES	0	0	0	0	0	0	-	▲Detail
04/02/2026	OR	Driver-Only (Level III)	WOODBURN OR	2	2	2	2	0	0	-	▲Detail
04/01/2026	WA	Walk-Around (Level II)	BELLEVUE WA	3	0	1	0	0	0	-	▲Detail
03/30/2026	OR	Driver-Only (Level III)	ASHLAND OR	1	1	1	1	0	0	-	▲Detail
03/15/2026	KY	Driver-Only (Level III)	LONDON	0	0	0	0	0	0	-	▲Detail
03/09/2026	NM	Walk-Around (Level II)	NM	0	0	0	0	0	0	-	▲Detail
03/07/2026	CA	Full (Level I)	MT. PASS IF	2	0	1	0	1	0	-	▲Detail
03/04/2026	WA	Driver-Only (Level III)	CHENEY WA	2	0	1	0	1	0	-	▲Detail
03/02/2026	TX	Walk-Around (Level II)	IH30 WB MT PLEASANT SCALE	2	1	0	0	2	1	-	▲Detail
02/25/2026	WA	Driver-Only (Level III)	DUPONT WA	1	0	1	0	0	0	-	▲Detail
02/19/2026	WA	Driver-Only (Level III)	RIDGEFIELD WA	1	0	1	0	0	0	-	▲Detail
02/17/2026	CA	Walk-Around (Level II)	KEENE PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
02/10/2026	PA	Walk-Around (Level II)	PA	3	2	2	1	1	1	-	▲Detail
02/03/2026	WA	Driver-Only (Level III)	YAKIMA WA	0	0	0	0	0	0	-	▲Detail
01/28/2026	CA	Full (Level I)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
01/26/2026	OR	Driver-Only (Level III)	MYRTLE CREEK OR	0	0	0	0	0	0	-	▲Detail
01/25/2026	CA	Full (Level I)	DESERT HILLS IF	2	1	0	0	2	1	-	▲Detail
01/22/2026	WA	Walk-Around (Level II)	MESA WA	1	0	0	0	1	0	-	▲Detail
01/12/2026	MD	Full (Level I)	PERRYVILLE MD	0	0	0	0	0	0	-	▲Detail
01/11/2026	WA	Driver-Only (Level III)	ELLENSBURG WA	1	0	1	0	0	0	-	▲Detail
01/09/2026	NM	Driver-Only (Level III)	RATON PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
01/05/2026	CA	Driver-Only (Level III)	I-80 AT APPLEGATE	1	0	1	0	0	0	-	▲Detail
12/31/2025	NM	Walk-Around (Level II)	I40	2	0	1	0	1	0	-	▲Detail
12/31/2025	KY	Driver-Only (Level III)	ELIZABETHTOWN	1	0	1	0	0	0	-	▲Detail
12/29/2025	VA	Walk-Around (Level II)	STEPHENS CITY VA	0	0	0	0	0	0	-	▲Detail
12/29/2025	NM	Driver-Only (Level III)	SAN JON PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
12/28/2025	MA	Driver-Only (Level III)	H-CANTON	1	0	0	0	1	0	-	▲Detail
12/23/2025	LA	Driver-Only (Level III)	ARCADIA LA	3	0	1	0	2	0	-	▲Detail
12/10/2025	NM	Driver-Only (Level III)	GALLUP PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
12/09/2025	KS	Walk-Around (Level II)	OLATHE SOUTH M.C.I.S. #24W	2	0	0	0	2	0	-	▲Detail
12/01/2025	MD	Driver-Only (Level III)	PERRYVILLE MD	0	0	0	0	0	0	-	▲Detail
11/26/2025	CA	Full (Level I)	MT. PASS IF	1	0	0	0	1	0	-	▲Detail
11/05/2025	UT	Driver-Only (Level III)	ECHO UT	2	0	0	0	0	0	-	▲Detail
11/03/2025	CA	Full (Level I)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
10/30/2025	KS	Walk-Around (Level II)	OLATHE SOUTH M.C.I.S. #24W	2	0	0	0	2	0	-	▲Detail
10/27/2025	NJ	Walk-Around (Level II)	KNOWLTON SCALE	1	0	0	0	1	0	-	▲Detail
10/24/2025	TN	Driver-Only (Level III)	ARDMORE TN	0	0	0	0	0	0	-	▲Detail
10/21/2025	MT	Walk-Around (Level II)	BOZEMAN MT	3	1	0	0	0	1	-	▲Detail
10/03/2025	AR	Walk-Around (Level II)	HOPE AR	2	1	0	0	0	1	-	▲Detail
10/02/2025	NM	Walk-Around (Level II)	ANTHONY PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
09/30/2025	OH	Driver-Only (Level III)	HUBBARD OH	1	0	1	0	0	0	-	▲Detail
09/21/2025	CO	Walk-Around (Level II)	LAMAR CO	1	0	0	0	1	0	-	▲Detail
09/08/2025	AZ	Driver-Only (Level III)	DOUGLAS AZ	0	0	0	0	0	0	-	▲Detail
09/06/2025	OH	Driver-Only (Level III)	MASON OH	1	0	0	0	0	0	-	▲Detail
07/30/2025	WV	Driver-Only (Level III)	BRUCETON MILLS WV	3	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections96

Unsafe Driving 16 viols

HOS Compliance 9 viols

Driver Fitness 4 viols

Vehicle Maintenance 29 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	DB INSURANCE CO., LTD (U.S.BRANCH)	OCA-0000360-00	$750,000	08/08/2024	08/08/2025	Cancelled
91X	BIPD/Primary	PROGRESSIVE PREFERRED INSURANCE CO.	CA972154302	$750,000	08/08/2023	08/08/2024	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC1556654	MOTOR PROPERTY COMMON CARRIER	GRANTED	08/14/2023	-	-
MC1556654	COMMON	INVOLUNTARY REVOCATION	07/14/2025	DISCONTINUED REVOCATION	08/07/2025

No revocation records.

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

85/100

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 85

Starts at 100−15 totalFinal 85

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

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

Moderate operating history (3-5 years)−3

Crashes on record (rate-adjusted)−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

FMCSA shows active coverage on file as of 8/7/2026.

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 7.5949% vs national avg 5.51%.

-5

Vehicle out-of-service rate above national average

Vehicle OOS 23.8095% vs national avg 20.72%.

-3

Moderate operating history (3-5 years)

Authority granted about 3 years ago.

-2

Crashes on record (rate-adjusted)

Crash rate: 3 crash(es) across 30 vehicles (~0.1 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−2 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 3 crash(es) across 30 vehicles (~0.1 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 7.5949% vs national avg 5.51%.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 23.8095% 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.

PTI CARGO INC

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

All Docket Numbers

Cargo Transported

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (4)

Roadside Violations by Safety Category Last 24 months

Inspection Records (100)

Safety Performance Percentiles

Licensing & Insurance

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