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VALIDATED

M L MATTHEWS DISTRIBUTION INC

Trust Score

Excellent Why this score?

Company CheckM L MATTHEWS DISTRIBUTION INC · DOT 523820

23 STONEHILL ROAD, OSWEGO, IL, 60543

DOT# 523820 MC# 284207 Oswego, Illinois 31 years

CARRIER

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5

Power Units

7

Drivers

1

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

0

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

3 events tracked · latest Oct 30, 2026 ↓ Show details ↓

Safety & compliance 2

Dec 29, 2025
Crash reported (no fatalities).
Aug 22, 2025
Crash reported (no fatalities).

Insurance 1

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

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

Company Information

Legal NameM L MATTHEWS DISTRIBUTION INC

DOT Number523820

MC Number284207

Entity TypeCarrier

Operating StatusA - Active

LocationOswego, Illinois

Added05/18/1993

MCS-15003/31/2026

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address23 STONEHILL ROAD, OSWEGO, IL, 60543

Mailing Address23 STONEHILL ROAD, OSWEGO, IL, 60543

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC284207

CommonNot Active

ContractActive

BrokerNot Active

Operating31 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 Mileage182,000 miles

Mileage Year2025

VMT SourceMCS-150 Form

Drivers

7

Interstate

0

Intrastate

0

CDL

7

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)1

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 10/12/2026

CompanyARTISAN & TRUCKERS CASUALTY COMPANY

Policy #CA872603412

Last checked10/29/2026

Quick Facts

StatusActive

TypeCarrier

Fleet5 units

Drivers7

Mileage182,000 mi

Operating31 years

MCS-15003/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)1

Fatal0

Injury0

Tow-Away1

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

No roadside inspections on record.

Crashes

2025

2 crashes -

Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Crash Records (2)

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
12/29/2025	Palatine Twp	IL	0	0	1	2	Clear	Dry	Daylight
08/22/2025	Campton Hills	IL	0	1	1	3	Clear	Dry	Daylight

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	FRANKENMUTH MUTUAL INSURANCE CO	BA 6097922	$1,000,000	10/25/2013	04/13/2019	Replaced
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4323752-4	$1,000,000	10/24/2002	04/15/2003	Cancelled
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4323752-3	$1,000,000	10/24/2001	10/24/2002	Cancelled
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4323752-2	$1,000,000	10/24/2000	10/24/2001	Cancelled
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4323752-1	$1,000,000	10/24/1999	10/24/2000	Cancelled
91X	BIPD/Primary	ACCEPTANCE INSURANCE COMPANY	CT 139109	$1,000,000	10/24/1997	12/21/1997	Cancelled
91	BIPD	FIDELITY AND GUARANTY INS. UNDERWRITERS, INC.	IMP30053240806	$0	09/01/1998	10/24/1999	Replaced
91X	BIPD/Primary	AUTO OWNERS INSURANCE COMPANY	47-977736-00	$750,000	06/11/2009	10/25/2013	Replaced
91X	BIPD/Primary	ERIE INSURANCE EXCHANGE	Q031730506IL	$1,000,000	04/28/2004	06/11/2009	Replaced
91X	BIPD/Primary	ERIE INSURANCE EXCHANGE	Q031730506IL	$1,000,000	04/28/2004	06/14/2009	Cancelled
91X	BIPD/Primary	ACCEPTANCE INSURANCE COMPANY	CT 129655	$1,000,000	03/12/1997	10/02/1997	Cancelled
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 4323752-0	$1,000,000	03/03/1999	09/01/1998	Replaced
91X	BIPD/Primary	UNITED NATIONAL SPECIALTY INSURANCE COMPANY	HM001548	$1,000,000	01/12/1998	02/19/1999	Cancelled
91X	BIPD/Primary	ACCEPTANCE INSURANCE COMPANY	CT 128147	$1,000,000	01/04/1995	09/06/1995	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC284207	MOTOR PROPERTY COMMON CARRIER	DISMISSED	09/15/1995	-	-
MC284207	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	06/11/2021	-	-
MC284207	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	06/04/2004	REVOKED	06/08/2021
MC284207	CONTRACT	INVOLUNTARY REVOCATION	05/18/2009	DISCONTINUED REVOCATION	06/15/2009
MC284207	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	04/06/1998	REVOKED	06/30/2003
MC284207	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	03/08/1995	REVOKED	01/31/1997

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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97/100

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 97

97

Starts at 100−3 totalFinal 97

Crashes on record (rate-adjusted)−3

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 10/12/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-3

Crashes on record (rate-adjusted)

Crash rate: 1 crash(es) across 5 vehicles (~0.2 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−3 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 1 crash(es) across 5 vehicles (~0.2 per vehicle); none fatal. Scaled to fleet size and fatal severity.

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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