← Back to Search
VALIDATED
AVT LOGISTICS LLC
600 S SPRINGINSGUTH RS, SCHAUMBURG, IL, 60193
CARRIER
Sign in required
You need a free LoadWrap account to run this check. Log in or register, it takes a minute.
Log in or register
Due-diligence certificate
18
Power Units
18
Drivers
2
Crashes (24-Month)
$1,000,000
Insurance
Not Rated
Safety Rating
134
Inspections
Is this your company? Claim your profile →
Just researching? Create a free account →
Deep records on this carrier, only on LoadWrap
Public record
7 events tracked · latest Aug 3, 2026 ↓ Show details ↓Safety & compliance 7
- Aug 3, 2026Roadside inspection, 1 violation (no OOS).
- Jul 31, 2026Clean roadside inspection, no violations.
- Jul 29, 2026Roadside inspection, 2 out-of-service violations.
- Jul 29, 2026Roadside inspection, 1 out-of-service violation.
- May 10, 2026Crash reported (no fatalities).
- Apr 26, 2026Crash reported (no fatalities).
- Mar 13, 2026Crash reported (no fatalities).
Public FMCSA record · blue clean · orange change · red risk.
Company Information
Legal NameAVT LOGISTICS LLC
DOT Number4102283
MC Number1565070
Entity TypeCarrier
Operating StatusA - Active
LocationSchaumburg, Illinois
Added07/12/2023
MCS-15004/21/2026
Contact Details
PhoneSign in to view
EmailSign in to view
Physical Address600 S SPRINGINSGUTH RS, SCHAUMBURG, IL, 60193
Mailing Address2413 W ALGONQUIN RD STE 316, ALGONQUIN, IL, 60102
Operating Authorities
Authority TypeAUTHORIZED FOR HIRE
Carrier OperationA - Interstate
DocketMC1565070
CommonActive
ContractNot Active
BrokerNot Active
Operating2 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 8.86 · 9 insp with violations
Below cutoff
Hours-of-Service Compliance
measure .75 · 9 insp with violations
Below cutoff
Driver Fitness
measure .68 · 6 insp with violations
Below cutoff
Controlled Substances / Alcohol
measure 0 · 0 insp with violations
Clean
Vehicle Maintenance
measure 5.2 · 34 insp with violations
Below cutoff
Source: FMCSA SMS, updated monthly.
Mileage
Annual Mileage1 miles
Mileage Year2022
VMT SourceMCS-150 Form
Drivers
18
Interstate
0
Intrastate
0
CDL
18
Total
Interstate >100mi0
Interstate <100mi0
Intrastate >100mi0
Intrastate <100mi0
Safety Summary
Safety RatingNot Rated
Total Crashes (24-mo)2
Fatal0
Driver OOS8.9% avg 5.5%
Vehicle OOS20.0% avg 20.7%
SmartWay PartnerNo
Insurance
Amount$1,000,000
Type91X
Effective03/18/2026
CompanyTRAILBLAZERS INSURANCE COMPANY INC A RRG
Policy #TB00000123-01
Last checked09/11/2026
Quick Facts
StatusActive
TypeCarrier
Fleet18 units
Drivers18
Mileage1 mi
Operating2 years
MCS-15004/2026
Safety & Inspection Data
Crash Summary
Total Crashes (24-mo)2
Fatal0
Injury1
Tow-Away1
Driver Inspections
Total79
Out of Service7
OOS Rate8.9%
National Avg5.5%
Above National Average
Vehicle Inspections
Total55
Out of Service11
OOS Rate20.0%
National Avg20.7%
Below National Average
HazMat Inspections
Total4
OOS0
OOS Rate0.0% (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
2025
8 · 0 OOS -
2026
88 · 21 OOS ▲
Crashes
2025
0 crashes -
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, 96 inspections, 21 resulted in out-of-service (21.9% OOS rate).
Driver Out-of-Service
22 OOS
Vehicle Out-of-Service
22 OOS
Live FMCSA roadside inspection records, refreshed monthly.
Crash Records (3)
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 |
|---|---|---|---|---|---|---|---|---|---|
| 05/10/2026 | MATTESON | IL | 0 | 0 | 1 | 2 | Clear | Dry | Daylight |
| 04/26/2026 | BELCAMP | MD | 0 | 0 | 1 | 2 | Severe Crosswinds | Dry | Dawn |
| 03/13/2026 | US HWY 129 N AT NEW SALEM CHURCH RD | GA | 0 | 1 | 1 | 3 | Clear | Dry | Daylight |
Roadside Violations by Safety Category Last 24 months
191 roadside violations across 96 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
97 violations · 24 OOS
Unsafe Driving
56 violations · 0 OOS
Hours-of-Service (HOS) Compliance
31 violations · 15 OOS
Driver Fitness
7 violations · 7 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 (96)
| Date | State | Level | Location | Violations | OOS | Driver Viol | Driver OOS | Vehicle Viol | Vehicle OOS | HazMat | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 08/03/2026 | MI | Walk-Around (Level II) | MI | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 07/31/2026 | TN | Full (Level I) | KNOXVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/29/2026 | IN | Walk-Around (Level II) | LA PORTE IN | 2 | 2 | 1 | 1 | 1 | 1 | - | ▲Detail |
| 07/29/2026 | VA | Driver-Only (Level III) | DUMFRIES VA | 3 | 1 | 3 | 1 | 0 | 0 | - | ▲Detail |
| 07/26/2026 | NC | Full (Level I) | LEXINGTON NC | 3 | 1 | 1 | 1 | 2 | 0 | - | ▲Detail |
| 07/18/2026 | NC | Full (Level I) | LUMBERTON NC | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/17/2026 | NC | Full (Level I) | DURHAM NC | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/13/2026 | PA | Walk-Around (Level II) | PHILIPSBURG BORO PA | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 07/10/2026 | MO | Walk-Around (Level II) | MAYVIEW MO | 12 | 9 | 7 | 7 | 5 | 2 | - | ▲Detail |
| 07/10/2026 | TN | Driver-Only (Level III) | KNOXVILLE TN | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 07/06/2026 | MD | Walk-Around (Level II) | BALTIMORE MD | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 06/30/2026 | LA | Full (Level I) | EGAN LA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/29/2026 | GA | Driver-Only (Level III) | VALDOSTA GA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/22/2026 | MO | Full (Level I) | MAYVIEW MO | 3 | 2 | 1 | 0 | 2 | 2 | - | ▲Detail |
| 06/19/2026 | WI | Full (Level I) | RAYMOND WI | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/17/2026 | OH | Driver-Only (Level III) | ROOTSTOWN OH | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/12/2026 | FL | Walk-Around (Level II) | GOTHA FL | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 06/09/2026 | FL | Walk-Around (Level II) | TALLAHASSEE FL | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 06/08/2026 | NC | Driver-Only (Level III) | ST. PAULS NC | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/02/2026 | SC | Driver-Only (Level III) | PELZER SC | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/28/2026 | ID | Full (Level I) | RATHDRUM ID | 8 | 6 | 7 | 6 | 1 | 0 | - | ▲Detail |
| 05/28/2026 | TN | Full (Level I) | KNOXVILLE TN | 4 | 1 | 1 | 1 | 3 | 0 | - | ▲Detail |
| 05/27/2026 | MD | Walk-Around (Level II) | PORT DEPOSIT MD | 6 | 2 | 1 | 1 | 5 | 1 | - | ▲Detail |
| 05/26/2026 | OH | Walk-Around (Level II) | SWANTON OH | 2 | 1 | 0 | 0 | 2 | 1 | - | ▲Detail |
| 05/26/2026 | MD | Walk-Around (Level II) | BALTIMORE MD | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/24/2026 | TN | Full (Level I) | SMYRNA TN | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/23/2026 | TN | Full (Level I) | SOUTH PITTSBURG TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/18/2026 | MO | Full (Level I) | MAYVIEW MO | 4 | 1 | 1 | 0 | 3 | 1 | - | ▲Detail |
| 05/11/2026 | CT | Walk-Around (Level II) | DANBURY SCALE | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/10/2026 | IL | Driver-Only (Level III) | HARLEM ST | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/10/2026 | MS | Full (Level I) | I-20 W | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 05/05/2026 | PA | Full (Level I) | GEORGES TOWNSHIP PA | 4 | 2 | 0 | 0 | 4 | 2 | - | ▲Detail |
| 05/04/2026 | OH | Driver-Only (Level III) | BROADVIEW HEIGHTS OH | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 05/03/2026 | TN | Full (Level I) | NASHVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/30/2026 | OH | Driver-Only (Level III) | ROOTSTOWN OH | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 04/30/2026 | OH | Full (Level I) | OREGONIA OH | 3 | 1 | 0 | 0 | 3 | 1 | - | ▲Detail |
| 04/29/2026 | PA | Full (Level I) | PINE CREEK TOWNSHIP PA | 3 | 0 | 0 | 0 | 3 | 0 | - | ▲Detail |
| 04/28/2026 | TN | Walk-Around (Level II) | CLARKSVILLE TN | 2 | 1 | 0 | 0 | 2 | 1 | - | ▲Detail |
| 04/27/2026 | KY | Full (Level I) | FRANKLIN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/26/2026 | TN | Driver-Only (Level III) | CHRISTIANA TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/21/2026 | SC | Driver-Only (Level III) | TOWNVILLE SC | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 04/20/2026 | OH | Walk-Around (Level II) | NEW SPRINGFIELD OH | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 04/20/2026 | GA | Driver-Only (Level III) | CALHOUN GA | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 04/17/2026 | CT | Full (Level I) | MILFORD | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 04/17/2026 | MD | Full (Level I) | ELKRIDGE MD | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/16/2026 | IN | Full (Level I) | SEYMOUR IN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/13/2026 | OH | Walk-Around (Level II) | VAN WERT OH | 8 | 1 | 2 | 1 | 6 | 0 | - | ▲Detail |
| 04/10/2026 | TN | Full (Level I) | SOUTH PITTSBURG TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/09/2026 | TN | Full (Level I) | KNOXVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/02/2026 | NC | Driver-Only (Level III) | HALIFAX WEIGH STATION, I-95, N | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/29/2026 | TX | Walk-Around (Level II) | IH10 WB WINNIE SCALE | 2 | 1 | 1 | 1 | 1 | 0 | - | ▲Detail |
| 03/24/2026 | OH | Driver-Only (Level III) | SEVILLE OH | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/23/2026 | FL | Full (Level I) | BELLEVIEW FL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/22/2026 | SC | Walk-Around (Level II) | TOWNVILLE SC | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/19/2026 | AL | Full (Level I) | MOULTON AL | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 03/19/2026 | PA | Full (Level I) | BEAVER TWP PA | 4 | 0 | 0 | 0 | 4 | 0 | - | ▲Detail |
| 03/18/2026 | MA | Full (Level I) | H-CHARLTON SERVICE PLAZA | 9 | 1 | 3 | 0 | 6 | 1 | - | ▲Detail |
| 03/14/2026 | TN | Full (Level I) | MOHAWK TN | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 03/11/2026 | PA | Full (Level I) | WEST CHESTER PA | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 03/11/2026 | NY | Driver-Only (Level III) | SLATE HILL NY | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 03/10/2026 | IL | Driver-Only (Level III) | I-90 | 3 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/09/2026 | MO | Full (Level I) | MAYVIEW MO | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 03/07/2026 | NJ | Full (Level I) | NJ | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/06/2026 | MT | Driver-Only (Level III) | HAUGAN MT | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 03/06/2026 | TN | Full (Level I) | SOUTH PITTSBURG TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/04/2026 | MT | Full (Level I) | DILLON MT | 2 | 1 | 0 | 0 | 2 | 1 | - | ▲Detail |
| 03/04/2026 | WA | Driver-Only (Level III) | DU PONT WA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/02/2026 | WV | Full (Level I) | BRUCETON MILLS WV | 4 | 0 | 0 | 0 | 4 | 0 | - | ▲Detail |
| 02/28/2026 | FL | Driver-Only (Level III) | GOTHA FL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/25/2026 | IL | Driver-Only (Level III) | I-90 | 3 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/25/2026 | KY | Driver-Only (Level III) | LEXINGTON | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/24/2026 | GA | Full (Level I) | FORSYTH GA | 5 | 3 | 0 | 0 | 5 | 3 | - | ▲Detail |
| 02/22/2026 | MO | Walk-Around (Level II) | WILLIAMSBURG MO | 18 | 4 | 7 | 1 | 11 | 3 | - | ▲Detail |
| 02/21/2026 | NC | Full (Level I) | US 441 AT MEADOWLAND CIR | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 02/17/2026 | MI | Walk-Around (Level II) | SB I-75 @ MM 20 | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 02/17/2026 | NC | Full (Level I) | HENDERSON COUNTY, US-25, S | 1 | 1 | 1 | 1 | 0 | 0 | - | ▲Detail |
| 02/16/2026 | TX | Walk-Around (Level II) | IH40 EB SHAMROCK SCALE | 5 | 2 | 0 | 0 | 5 | 2 | - | ▲Detail |
| 02/12/2026 | GA | Driver-Only (Level III) | CARNESVILLE GA | 2 | 0 | 2 | 0 | 0 | 0 | - | ▲Detail |
| 02/09/2026 | OH | Driver-Only (Level III) | WARREN OH | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 02/09/2026 | OH | Driver-Only (Level III) | NEW CONCORD OH | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/06/2026 | TN | Full (Level I) | SOUTH PITTSBURG TN | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 02/05/2026 | NC | Full (Level I) | I-95 N | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/05/2026 | ID | Full (Level I) | POST FALLS ID | 11 | 0 | 4 | 0 | 7 | 0 | - | ▲Detail |
| 02/04/2026 | TN | Full (Level I) | KNOXVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/27/2026 | OH | Driver-Only (Level III) | HUBBARD OH | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 01/25/2026 | SC | Driver-Only (Level III) | WALTERBORO SC | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/18/2026 | MS | Full (Level I) | UNION COUNTY | 4 | 0 | 0 | 0 | 4 | 0 | - | ▲Detail |
| 01/06/2026 | IN | Driver-Only (Level III) | ANGOLA IN | 4 | 0 | 1 | 0 | 3 | 0 | - | ▲Detail |
| 12/24/2025 | MO | Full (Level I) | CONCORDIA MO | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 12/18/2025 | SC | Driver-Only (Level III) | ANDERSON SC | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 12/12/2025 | OH | Walk-Around (Level II) | WILMINGTON OH | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/10/2025 | TN | Full (Level I) | KNOXVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/08/2025 | MD | Walk-Around (Level II) | PASADENA MD | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/08/2025 | FL | Walk-Around (Level II) | BELLEVIEW FL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/22/2025 | PA | Full (Level I) | I80 WB MM 24 WOLF CREEK TWP - | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 10/28/2025 | TN | Full (Level I) | LEWISBURG TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
Detailed Inspection Report
Safety Performance Percentiles
FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.
Total Inspections92
Unsafe Driving
9 viols
HOS Compliance
9 viols
Driver Fitness
6 viols
Vehicle Maintenance
34 viols
Licensing & Insurance
| Form | Type | Insurance Company | Policy | Coverage | Effective | Cancel Date | Method |
|---|---|---|---|---|---|---|---|
| 91X | BIPD/Primary | EVERSPAN INDEMNITY INSURANCE COMPANY | CW1EII-320547-01 | $1,000,000 | 08/16/2023 | 08/16/2023 | Replaced |
| 91X | BIPD/Primary | EVERSPAN INDEMNITY INSURANCE COMPANY | CW1EII-320547-01 | $1,000,000 | 08/16/2023 | 05/16/2024 | Cancelled |
| 91X | BIPD/Primary | EVERSPAN INDEMNITY INSURANCE COMPANY | CW1EII-320547-01 | $1,000,000 | 08/16/2023 | 08/13/2024 | Replaced |
| 91X | BIPD/Primary | EVERSPAN INDEMNITY INSURANCE COMPANY | CW1EII-320547-01 | $1,000,000 | 08/16/2023 | 08/17/2024 | Cancelled |
| 91X | BIPD/Primary | GEICO MARINE INSURANCE COMPANY | 9300063903 | $750,000 | 08/13/2024 | 04/10/2025 | Replaced |
| 91X | BIPD/Primary | GEICO MARINE INSURANCE COMPANY | 9300063903 | $750,000 | 08/13/2024 | 05/09/2025 | Cancelled |
| 91X | BIPD/Primary | GEICO MARINE INSURANCE COMPANY | 9300135837 | $750,000 | 04/10/2025 | 09/24/2025 | Replaced |
No active insurance policies.
| Docket | Type | Action | Served | Disposition | Disp Date |
|---|---|---|---|---|---|
| MC1565070 | MOTOR PROPERTY COMMON CARRIER | GRANTED | 10/12/2023 | - | - |
| MC1565070 | COMMON | INVOLUNTARY REVOCATION | 07/22/2024 | DISCONTINUED REVOCATION | 08/15/2024 |
| MC1565070 | COMMON | INVOLUNTARY REVOCATION | 04/19/2024 | DISCONTINUED REVOCATION | 04/22/2024 |
No revocation records.
Stay ahead of changes
You are checking AVT LOGISTICS LLC today. We can keep watching them for you.
Authority gets revoked, insurance lapses, and a company that looks clean today can change overnight. Create an account, add this company to your list,
and the moment their authority, insurance, safety or contact details change, you see it on your dashboard, or get it by email with Pro.
Add them to your list
Keep this company and every partner you vet in one place you can come back to.
Get a change alert
The moment authority, insurance or safety status moves, you hear about it first.
See the full history
Trust Score over time and the complete authority and insurance timeline, not just today.