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GARY R DENNING

Trust Score

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Company CheckGARY R DENNING · DOT 512865

DBA: GRD OR GARY R DENNING

4892 WHIPPOORWILL LN, PAYNE, OH, 45880

DOT# 512865 MC# 224190 Payne, Ohio 36 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 NameGARY R DENNING

DBA NameGRD OR GARY R DENNING

DOT Number512865

MC Number224190

Entity TypeCarrier

Operating StatusA - Active

LocationPayne, Ohio

Added02/12/1993

MCS-15012/20/2025

Contact Details

Phone(260) 494-2521

Email[email protected]

Physical Address4892 WHIPPOORWILL LN, PAYNE, OH, 45880

Mailing AddressBOX 497, PAYNE, OH, 45880

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusNot on file

On File (FMCSA)None on file

VerifiedFMCSA · 06/03/2026

Required$75,000 (FMCSA min)

TypeTrust Fund (BMC-85)

Surety / TrusteePACIFIC FINANCIAL ASSOCIATION, INC.

Contact☎ (800) 595-2615
🌐 pfaprotects.com

Bond cancelled Dec 25, 2008 by PACIFIC FINANCIAL ASSOCIATION, INC.. This company's broker authority is not currently active. FMCSA requires every broker to keep a $75,000 bond on file; after a cancellation, operating authority is typically revoked within weeks. Confirm current status in FMCSA's official records before booking.

Bond history

PACIFIC FINANCIAL ASSOCIATION, INC.Nov 2007 to Dec 2008 · CANCELLED

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Operating Authorities

Authority TypeINDIAN TRIBE;PRIVATE PROPERTY;LOCAL GOVERNMENT;STATE GOVERNMENT;AUTHORIZED FOR HIRE;EXEMPT FOR HIRE;FEDERAL GOVERNMENT;U. S. MAIL

Carrier OperationA - Interstate

DocketMC224190

CommonActive

ContractActive

BrokerNot Active

Operating36 years

Company Overview

PACIFIC FINANCIAL ASSOCIATION, INC. is a FMCSA-validated carrier based in Payne, Ohio. The company has been in operation for 36 years, registered with the FMCSA on 02/12/1993. The fleet consists of 1 power unit and 1 driver. Annual mileage is reported at 80,000 miles (2023). The company has a clean safety record with zero reported crashes. Insurance coverage of $1,000,000 is on file through PROGRESSIVE PREFERRED INSURANCE CO.. Active operating authorities include Common, Contract. Based on authority, insurance, safety, and compliance data, PACIFIC FINANCIAL ASSOCIATION, INC. has a Trust Score of 100/100 (Excellent).

Operation Classification

Authorized For HireExempt For HirePrivate (Property)US MailFederal GovernmentState GovernmentLocal GovernmentIndian Tribe

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 Mileage80,000 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatNo

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 · 06/03/2026

CompanyPROGRESSIVE PREFERRED INSURANCE CO.

Policy #CA01202925

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage80,000 mi

Operating36 years

MCS-15012/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

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 · 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
08/29/2023	IN	Driver-Only (Level III)	OFF RAMP 41MM I65 SB	1	0	1	0	0	0	-	▲Detail

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	11/21/2007	12/25/2008	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN231026	$1,000,000	10/19/1996	10/16/1996	Replaced
34	CARGO	NORTHLAND INSURANCE COMPANY	TN231026	$0	10/19/1996	10/16/1996	Replaced
91X	BIPD/Primary	PROGRESSIVE CASUALTY INS. CO.	CA6577214-0	$1,000,000	10/19/1995	10/19/1995	Replaced
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4215349-0	$1,000,000	10/19/1995	10/16/1996	Replaced
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4215349-0	$1,000,000	10/19/1995	10/19/1996	Cancelled
34	CARGO	THE CONTINENTAL INSURANCE CO.	IM 98 20 40	$0	10/19/1995	10/16/1996	Replaced
91X	BIPD/Primary	PROGRESSIVE PREFERRED INSURANCE CO.	CA1202925	$1,000,000	10/16/2019	10/16/2025	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	MCP19655A	$1,000,000	10/16/2015	10/16/2019	Replaced
91X	BIPD/Primary	ARTISAN & TRUCKERS CASUALTY COMPANY	CA 1900714	$1,000,000	10/16/2012	10/16/2015	Replaced
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN487865	$750,000	10/16/2006	10/16/2012	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN487865	$0	10/16/2006	07/14/2011	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN487865	$0	10/16/2005	10/16/2006	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN487865	$750,000	10/16/2005	10/16/2006	Cancelled
91X	BIPD/Primary	LANCER INSURANCE COMPANY	CM0037327	$1,000,000	10/16/2002	02/20/2003	Cancelled
34	CARGO	LANCER INSURANCE COMPANY	CM0037327	$0	10/16/2002	02/20/2003	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	PAP2167131098	$1,000,000	10/16/1998	10/16/2002	Replaced
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	SPF158451098	$0	10/16/1998	10/16/2002	Replaced
34	CARGO	NORTHLAND INSURANCE COMPANY	TN231026	$0	10/16/1996	10/16/1998	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN231026	$1,000,000	10/16/1996	10/16/1998	Cancelled
34	CARGO	HISCOX INSURANCE COMPANY, INC.	LTM 66552	$0	10/11/1994	10/11/1995	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	292975	$1,000,000	10/11/1994	10/11/1995	Cancelled
91X	BIPD/Primary	LANCER INSURANCE COMPANY	CM0037327	$1,000,000	02/20/2003	10/16/2005	Replaced
34	CARGO	LANCER INSURANCE COMPANY	CM0037327	$0	02/20/2003	10/16/2005	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC224190	CONTRACT	INVOLUNTARY REVOCATION	10/14/1992	DISCONTINUED REVOCATION	11/03/1992
MC224190	CONTRACT	INVOLUNTARY REVOCATION	10/11/1995	DISCONTINUED REVOCATION	11/09/1995
MC224190	COMMON	INVOLUNTARY REVOCATION	10/11/1995	DISCONTINUED REVOCATION	11/09/1995
MC224190	COMMON	INVOLUNTARY REVOCATION	10/11/1995	DISCONTINUED REVOCATION	11/27/1995
MC224190	CONTRACT	INVOLUNTARY REVOCATION	10/11/1994	DISCONTINUED REVOCATION	12/02/1994
MC224190	COMMON	INVOLUNTARY REVOCATION	10/11/1994	DISCONTINUED REVOCATION	12/02/1994
MC224190	COMMON	INVOLUNTARY REVOCATION	10/11/1993	DISCONTINUED REVOCATION	11/01/1993
MC224190	COMMON	INVOLUNTARY REVOCATION	10/11/1993	DISCONTINUED REVOCATION	10/25/1993
MC224190	CONTRACT	INVOLUNTARY REVOCATION	10/11/1993	DISCONTINUED REVOCATION	11/01/1993
MC224190	CONTRACT	INVOLUNTARY REVOCATION	09/19/2012	DISCONTINUED REVOCATION	10/16/2012
MC224190	COMMON	INVOLUNTARY REVOCATION	09/19/2012	DISCONTINUED REVOCATION	10/16/2012
MC224190	CONTRACT	INVOLUNTARY REVOCATION	09/19/2006	DISCONTINUED REVOCATION	10/16/2006
MC224190	COMMON	INVOLUNTARY REVOCATION	09/19/2006	DISCONTINUED REVOCATION	10/16/2006
MC224190	PROPERTY BROKER	DISMISSED	09/16/1996	-	-
MC224190	COMMON	INVOLUNTARY REVOCATION	06/11/1994	DISCONTINUED REVOCATION	07/14/1994
MC224190	MOTOR PROPERTY COMMON CARRIER	GRANTED	01/22/1990	-	-
MC224190	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	01/19/1990	-	-

No revocation records.

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

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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) knockout	−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.