Home

Companies

Shared-Address Watch

Trust Score

Validation

For Carriers For Brokers For Shippers For Everyone

LoadBoard Services

Know Your Rights

For Carriers For Brokers For Everyone Regulatory Updates

Why LoadWrap How It Works Security Videos Case Studies About Us IT Services Contact TrustGuard Stories

Driver Hub Register

Advertisement

← Back to Search

VALIDATED

TERRY G TOWE

Trust Score

Excellent Why this score?

Company CheckTERRY G TOWE · DOT 556690

DBA: TERRY G TOWE & FAMILY TRUCKING LLC

244 SCHWEIZER RD, FRANKLIN, KY, 42134

DOT# 556690 MC# 275789 Franklin, Kentucky 32 years

CARRIER

★★★★★ Ratings & reviews

Save to favorites Watch, alerts on changes Write a review Add a private note Download PDF report

Create free account →

Free • 30 seconds • Already a member? Log in

1

Power Units

1

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

0

Inspections

Is this your company? Claim your profile →

Just researching? Create a free account →

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→

Company Information

Legal NameTERRY G TOWE

DBA NameTERRY G TOWE & FAMILY TRUCKING LLC

DOT Number556690

MC Number275789

Entity TypeCarrier

Operating StatusA - Active

LocationFranklin, Kentucky

Added04/04/1994

MCS-15011/04/2025

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address244 SCHWEIZER RD, FRANKLIN, KY, 42134

Mailing Address244 SCHWEIZER RD, FRANKLIN, KY, 42134

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC275789

CommonActive

ContractActive

BrokerNot Active

Operating32 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 Mileage81,486 miles

Mileage Year2022

VMT SourceMCS-150 Form

Drivers

1

Interstate

0

Intrastate

0

CDL

1

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 · 07/13/2026

CompanyUNITED FINANCIAL CASUALTY COMPANY

Policy #CA 1909650

Last checked09/12/2026

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage81,486 mi

Operating32 years

MCS-15011/2025

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

2024

2 · 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 (2)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
05/01/2024	KY	Walk-Around (Level II)	FRANKLIN	0	0	0	0	0	0	-	▲Detail
04/19/2024	AL	Driver-Only (Level III)	US 43	0	0	0	0	0	0	-	▲Detail

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	WN236978	$1,000,000	11/25/2019	03/12/2020	Replaced
34	CARGO	NORTHLAND INSURANCE COMPANY	TN287455	$0	08/31/2000	03/25/2001	Replaced
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN287455	$1,000,000	08/31/2000	03/25/2001	Replaced
34	CARGO	ESSEX INSURANCE COMPANY	6AB 7053	$0	07/12/1995	03/25/1996	Replaced
34	CARGO	ACCEPTANCE INSURANCE COMPANY	CT 122278	$0	06/07/1994	03/25/1995	Cancelled
91X	BIPD/Primary	ACCEPTANCE INSURANCE COMPANY	CT 122278	$1,000,000	05/12/1994	03/25/1995	Cancelled
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP97861A	$1,000,000	03/25/2001	03/19/2003	Cancelled
34	CARGO	GREAT WEST CASUALTY CO.	CLP97861A	$0	03/25/2001	03/19/2003	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN287455	$1,000,000	03/25/2000	08/31/2000	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN287455	$0	03/25/2000	08/31/2000	Cancelled
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246C	$0	03/25/1998	05/01/2000	Cancelled
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246C	$0	03/25/1998	03/25/2000	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246C	$1,000,000	03/25/1998	05/01/2000	Cancelled
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246C	$1,000,000	03/25/1998	03/25/2000	Replaced
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246C	$0	03/25/1998	03/25/1998	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246C	$1,000,000	03/25/1998	03/25/1998	Replaced
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246C	$0	03/25/1998	03/25/1998	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246C	$1,000,000	03/25/1998	03/25/1998	Replaced
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246C	$0	03/25/1998	03/25/1998	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246C	$1,000,000	03/25/1998	03/25/1998	Replaced
34	CARGO	GREAT WEST CASUALTY CO.	CLP67246A	$0	03/25/1996	03/25/1998	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP67246A	$1,000,000	03/25/1996	03/25/1998	Replaced
91X	BIPD/Primary	STRATFORD INSURANCE COMPANY	TAP 0025 007	$750,000	03/25/1995	03/25/1996	Cancelled
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP97861B	$1,000,000	03/19/2003	03/13/2006	Replaced
91X	BIPD/Primary	GREAT WEST CASUALTY CO.	CLP97861B	$1,000,000	03/19/2003	03/29/2006	Cancelled
34	CARGO	GREAT WEST CASUALTY CO.	CLP97861B	$0	03/19/2003	03/13/2006	Replaced
34	CARGO	GREAT WEST CASUALTY CO.	CLP97861B	$0	03/19/2003	03/29/2006	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN493073	$1,000,000	03/13/2006	01/26/2009	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN493073	$0	03/13/2006	01/26/2009	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN597460	$0	01/26/2009	04/14/2011	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN597460	$1,000,000	01/26/2009	11/25/2019	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC275789	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	08/01/1994	REVOKED	08/18/1995
MC275789	MOTOR PROPERTY COMMON CARRIER	GRANTED	08/01/1994	REVOKED	08/28/1995
MC275789	MOTOR PROPERTY COMMON CARRIER	REINSTATED	07/27/1998	REVOKED	06/05/2003
MC275789	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	07/27/1998	REVOKED	06/05/2003
MC275789	MOTOR PROPERTY COMMON CARRIER	REINSTATED	06/25/2003	-	-
MC275789	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	06/25/2003	-	-
MC275789	COMMON	INVOLUNTARY REVOCATION	03/25/1995	DISCONTINUED REVOCATION	09/15/1995
MC275789	CONTRACT	INVOLUNTARY REVOCATION	03/25/1995	DISCONTINUED REVOCATION	08/20/1995
MC275789	COMMON	INVOLUNTARY REVOCATION	03/18/2011	DISCONTINUED REVOCATION	03/21/2011
MC275789	COMMON	INVOLUNTARY REVOCATION	03/02/2006	DISCONTINUED REVOCATION	03/15/2006
MC275789	CONTRACT	INVOLUNTARY REVOCATION	03/02/2006	DISCONTINUED REVOCATION	03/15/2006

No revocation records.

Stay ahead of changes

You are checking TERRY G TOWE 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.

Register Log in

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)	−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.

Advertisement