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VALIDATED

FINAL FINISH LLC

Trust Score

Excellent Why this score?

Company CheckFINAL FINISH LLC · DOT 491726

382 GARDNER LANE, MORGANTOWN, KY, 42261

DOT# 491726 MC# 694844 Morgantown, Kentucky 16 years

CARRIER

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4

Power Units

5

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

4

Inspections

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Company Information

Legal NameFINAL FINISH LLC

DOT Number491726

MC Number694844

Entity TypeCarrier

Operating StatusA - Active

LocationMorgantown, Kentucky

Added07/22/1992

MCS-15007/06/2026

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address382 GARDNER LANE, MORGANTOWN, KY, 42261

Mailing AddressPO BOX 477, MORGANTOWN, KY, 42261

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC694844

CommonNot Active

ContractActive

BrokerNot Active

Operating16 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 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 Mileage325,000 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

5

Interstate

0

Intrastate

0

CDL

5

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$1,000,000

Type91X

VerifiedFMCSA · 06/28/2026

CompanyERIE INSURANCE EXCHANGE

Policy #Q06 2731009

Last checked07/24/2026

Quick Facts

StatusActive

TypeCarrier

Fleet4 units

Drivers5

Mileage325,000 mi

Operating16 years

MCS-15007/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total3

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total1

Out of Service0

OOS Rate0.0%

National Avg20.7%

Below 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

2024

4 · 0 OOS -

2025

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.

Out-of-Service Summary Last 24 months

Live FMCSA roadside inspections through Mar 2025, 3 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.

Inspection Records (5)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
03/31/2025	KY	Driver-Only (Level III)	ELIZABETHTOWN	0	0	0	0	0	0	-	▲Detail
11/20/2024	KY	Walk-Around (Level II)	FRANKLIN	0	0	0	0	0	0	-	▲Detail
10/08/2024	KY	Driver-Only (Level III)	EDMONTON	0	0	0	0	0	0	-	▲Detail
02/19/2024	KY	Walk-Around (Level II)	MORGANTOWN	0	0	0	0	0	0	-	▲Detail
01/02/2024	KY	Full (Level I)	ELIZABETHTOWN	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections3

Out of Service Orders (1)

OOS Date	Reason	Status	Rescind Date
2011-01-05	New Entrant Revoked - Failure of Safety Audit	ACTIVE	2011-11-10

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$750,000	10/23/2009	10/23/2009	Replaced
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$750,000	10/23/2009	01/02/2010	Cancelled
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$1,000,000	10/23/2009	06/19/2013	Replaced
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$1,000,000	10/23/2009	07/19/2013	Cancelled
34	CARGO	THE CINCINNATI INSURANCE CO.	EPP 048 90 07	$0	09/25/2018	08/16/2021	Name Changed
91X	BIPD/Primary	ERIE INSURANCE EXCHANGE	Q06 2731009	$1,000,000	06/27/2019	06/27/2021	Replaced
91X	BIPD/Primary	ERIE INSURANCE EXCHANGE	Q06 2731009	$1,000,000	06/27/2019	08/16/2021	Name Changed
91X	BIPD/Primary	THE CINCINNATI INSURANCE CO.	EBA 048 90 07	$1,000,000	06/27/2018	06/27/2019	Replaced
34	CARGO	THE CINCINNATI INSURANCE CO.	EPP 026 12 47	$0	06/27/2014	07/13/2018	Cancelled
91X	BIPD/Primary	THE CINCINNATI INSURANCE CO.	EBA 026 12 47	$1,000,000	06/27/2014	06/27/2018	Replaced
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$1,000,000	06/27/2013	06/27/2014	Replaced
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$1,000,000	06/27/2013	08/07/2014	Cancelled
91X	BIPD/Primary	ACUITY, A MUTUAL INSURANCE COMPANY	CA-L98195	$750,000	06/19/2013	06/27/2013	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC694844	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	12/09/2009	-	-
MC694844	MOTOR PROPERTY COMMON CARRIER	DISMISSED	12/02/2009	-	-
MC694844	CONTRACT	INVOLUNTARY REVOCATION	07/12/2021	DISCONTINUED REVOCATION	07/16/2021
MC694844	CONTRACT	INVOLUNTARY REVOCATION	07/11/2014	DISCONTINUED REVOCATION	07/31/2014
MC694844	CONTRACT	INVOLUNTARY REVOCATION	06/25/2013	DISCONTINUED REVOCATION	07/03/2013

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

FMCSA shows active coverage on file as of 6/28/2026.

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.