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J AND S EXCHANGE INC

Trust Score

Excellent Why this score?

Company CheckJ AND S EXCHANGE INC · DOT 819246

6970 CR 3703, ALLEN, OK, 74825

DOT# 819246 MC# 458639 Allen, Oklahoma 22 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

Insurance

Satisfactory

Safety Rating

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

5 events tracked · latest Jul 23, 2026 ↓ Show details ↓

Safety & compliance 4

Jul 2, 2026
Clean roadside inspection, no violations.
May 30, 2026
Roadside inspection, 2 out-of-service violations.
Mar 20, 2026
Roadside inspection, 1 violation (no OOS).
Mar 17, 2026
Roadside inspection, 3 violations (no OOS).

Insurance 1

Current
Active insurance on file ($1,000,000).

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

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address6970 CR 3703, ALLEN, OK, 74825

Mailing AddressPO BOX 309, ALLEN, OK, 74825

Other Companies at This Address

Address6970 CR 3703, ALLEN, OK 74825

Others here

Distinct phones

Active

Company	DOT	Phone	Status
J AND S EXCHANGE INC this company	819246	Sign in	Active
TRINITY OIL AND GAS PRODUCERS LLC	2576475	Sign in	Active
J&S LOGISTICS INC	1978917	Sign in	Inactive

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC458639

CommonNot Active

ContractActive

BrokerNot Active

Operating22 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 1.75 · 3 insp with violations

Below cutoff

Hours-of-Service Compliance

measure .62 · 5 insp with violations

Below cutoff

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 4.86 · 20 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage1,498,174 miles

Mileage Year2025

VMT SourceActual

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingSatisfactory

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS17.6% avg 20.7%

SmartWay PartnerNo

Last Review02/19/2025

Insurance

Amount$1,000,000

Type91X

VerifiedFMCSA · 06/17/2026

CompanyARCH INSURANCE COMPANY

Policy #ZACAT9482005

Last checked07/23/2026

Quick Facts

StatusActive

TypeCarrier

Fleet14 units

Drivers14

Mileage1,498,174 mi

Operating22 years

MCS-15003/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Safety RatingSatisfactory

Driver Inspections

Total50

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total34

Out of Service6

OOS Rate17.6%

National Avg20.7%

Below National Average

Last FMCSA Review: 02/19/2025 | Rated: 03/03/2004

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

13 · 1 OOS -

2024

22 · 6 OOS ▲

2025

27 · 4 OOS ▼

2026

10 · 1 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 Jul 2026, 47 inspections, 6 resulted in out-of-service (12.8% OOS rate).

Driver Out-of-Service 2 OOS

Vehicle Out-of-Service 5 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Roadside Violations by Safety Category Last 24 months

91 roadside violations across 47 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 51 violations · 6 OOS

Unsafe Driving 31 violations · 1 OOS

Hours-of-Service (HOS) Compliance 8 violations · 2 OOS

Other (General) 1 violation · 0 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 (72)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
07/02/2026	AL	Driver-Only (Level III)	SPANISH FORT AL	0	0	0	0	0	0	-	▲Detail
05/30/2026	LA	Driver-Only (Level III)	HAMMOND LA	4	2	4	2	0	0	-	▲Detail
03/20/2026	LA	Walk-Around (Level II)	BREAUX BRIDGE LA	1	0	0	0	1	0	-	▲Detail
03/17/2026	KY	Full (Level I)	KUTTAWA	3	0	1	0	2	0	-	▲Detail
03/06/2026	FL	Walk-Around (Level II)	BRANFORD FL	0	0	0	0	0	0	-	▲Detail
03/02/2026	TX	Walk-Around (Level II)	452M US67 NB	2	0	0	0	2	0	-	▲Detail
01/27/2026	IL	Driver-Only (Level III)	I94	0	0	0	0	0	0	-	▲Detail
01/15/2026	TX	Walk-Around (Level II)	318M US59 SB	0	0	0	0	0	0	-	▲Detail
01/06/2026	ID	Walk-Around (Level II)	MCCAMMON ID	8	0	5	0	0	0	-	▲Detail
01/02/2026	OK	Driver-Only (Level III)	BRYAN COUNTY PORT OF ENTRY	6	0	2	0	4	0	-	▲Detail
12/22/2025	TX	Walk-Around (Level II)	IH 45 NB 217	1	0	0	0	1	0	-	▲Detail
12/10/2025	TX	Full (Level I)	IH45 SB CENTERVILLE SCALE	2	0	0	0	2	0	-	▲Detail
12/08/2025	TX	Full (Level I)	6952 IH35 NB SVC RD	5	1	0	0	5	1	-	▲Detail
11/28/2025	TX	Walk-Around (Level II)	IH-10 EB	4	1	0	0	4	1	-	▲Detail
11/25/2025	KS	Walk-Around (Level II)	BELLEVILLE M.C.I.S. #58	1	0	0	0	1	0	-	▲Detail
11/24/2025	CO	Driver-Only (Level III)	FORT MORGAN CO	0	0	0	0	0	0	-	▲Detail
11/14/2025	TX	Walk-Around (Level II)	496M IH20 EB	1	0	0	0	1	0	-	▲Detail
10/07/2025	TX	Driver-Only (Level III)	IH20 LORAINE SCALE	1	0	1	0	0	0	-	▲Detail
10/01/2025	OH	Driver-Only (Level III)	LUCASVILLE OH	0	0	0	0	0	0	-	▲Detail
09/29/2025	MO	Full (Level I)	MAYVIEW MO	7	0	0	0	0	0	-	▲Detail
09/10/2025	KS	Walk-Around (Level II)	SEDGWICK COUNTY - 173	2	0	0	0	2	0	-	▲Detail
09/09/2025	KY	Driver-Only (Level III)	GRAND RIVERS	1	0	1	0	0	0	-	▲Detail
08/29/2025	LA	Full (Level I)	RAYNE LA	4	1	0	0	0	1	-	▲Detail
08/05/2025	US	Full (Level I)	EVANSTON WY	0	0	0	0	0	0	-	▲Detail
07/26/2025	AR	Full (Level I)	HOPE AR	1	0	0	0	0	0	-	▲Detail
07/23/2025	TX	Walk-Around (Level II)	US77 RIVIERA SCALE	0	0	0	0	0	0	-	▲Detail
07/22/2025	FL	Driver-Only (Level III)	LAKE CITY FL	0	0	0	0	0	0	-	▲Detail
07/22/2025	TX	Walk-Around (Level II)	IH45 NB NEW WAVERLY SCALE	2	0	0	0	2	0	-	▲Detail
07/09/2025	TN	Driver-Only (Level III)	KNOXVILLE TN	2	0	0	0	0	0	-	▲Detail
07/06/2025	TX	Full (Level I)	IH 35 E SB MM 390	11	1	0	0	11	1	-	▲Detail
06/27/2025	CO	Driver-Only (Level III)	ALAMOSA CO	1	0	0	0	0	0	-	▲Detail
06/18/2025	NM	Full (Level I)	LORDSBURG PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
06/12/2025	AZ	Driver-Only (Level III)	ST. GEORGE UT	1	0	0	0	0	0	-	▲Detail
02/21/2025	OK	Walk-Around (Level II)	CHICKASAW TURNPIKE	0	0	0	0	0	0	-	▲Detail
02/14/2025	OK	Full (Level I)	STATE HIGHWAY 1 3 N ROFF	0	0	0	0	0	0	-	▲Detail
02/09/2025	AL	Walk-Around (Level II)	ROADSIDE - SALEM, AL	1	0	0	0	1	0	-	▲Detail
01/01/2025	AR	Driver-Only (Level III)	TEXARKANA AR	0	0	0	0	0	0	-	▲Detail
12/23/2024	NC	Walk-Around (Level II)	NC 16	0	0	0	0	0	0	-	▲Detail
12/16/2024	OK	Walk-Around (Level II)	US 70 W OF MCCURTAIN CO LINE	11	0	0	0	11	0	-	▲Detail
12/16/2024	NC	Driver-Only (Level III)	I 40	0	0	0	0	0	0	-	▲Detail
12/15/2024	NC	Driver-Only (Level III)	US601S	0	0	0	0	0	0	-	▲Detail
11/14/2024	IL	Driver-Only (Level III)	I-64 E/B @ MP 128	0	0	0	0	0	0	-	▲Detail
11/07/2024	TX	Walk-Around (Level II)	IH45 NB NEW WAVERLY SCALE	2	0	0	0	2	0	-	▲Detail
10/14/2024	TX	Walk-Around (Level II)	IH45 NB NEW WAVERLY SCALE	2	0	0	0	2	0	-	▲Detail
10/07/2024	TX	Walk-Around (Level II)	IH30 WB MT PLEASANT SCALE	1	1	0	0	1	1	-	▲Detail
08/29/2024	UT	Driver-Only (Level III)	HELPER UT	1	0	0	0	0	0	-	▲Detail
07/24/2024	NM	Walk-Around (Level II)	ON I-25 1337 FT W OF CANADA DE	2	0	1	0	1	0	-	▲Detail
07/09/2024	OK	Walk-Around (Level II)	LOVE PORT ENTRY	2	0	2	0	0	0	-	▲Detail
06/29/2024	AL	Walk-Around (Level II)	ROADSIDE	0	0	0	0	0	0	-	▲Detail
05/28/2024	AR	Driver-Only (Level III)	HOPE AR	0	0	0	0	0	0	-	▲Detail
05/15/2024	OK	Full (Level I)	BECKHAM CO POE	8	1	2	0	6	1	-	▲Detail
05/10/2024	TX	Walk-Around (Level II)	LAT:27 32' 21.78N	1	0	0	0	1	0	-	▲Detail
05/06/2024	TX	Full (Level I)	13500 EAST FWY S SR	7	1	0	0	7	1	-	▲Detail
05/01/2024	OK	Walk-Around (Level II)	SH165 / US69	0	0	0	0	0	0	-	▲Detail
03/15/2024	TX	Walk-Around (Level II)	LAT:30 31' 28.86N	2	2	0	0	2	2	-	▲Detail
02/29/2024	KY	Full (Level I)	FRANKLIN	4	1	0	0	4	1	-	▲Detail
02/23/2024	KS	Driver-Only (Level III)	CLOUD COUNTY - 029	1	0	1	0	0	0	-	▲Detail
01/03/2024	TX	Walk-Around (Level II)	IH 45 SOUTHBOUND	5	1	0	0	5	1	-	▲Detail
01/03/2024	AR	Driver-Only (Level III)	HEMPSTEAD CO (HOPE WEST STN)	1	0	1	0	0	0	-	▲Detail
12/12/2023	CA	Full (Level I)	DESERT HILLS IF	2	0	0	0	2	0	-	▲Detail
12/11/2023	KS	Walk-Around (Level II)	SOUTH HAVEN M.C.I.S. #26A	6	0	5	0	1	0	-	▲Detail
11/28/2023	AZ	Driver-Only (Level III)	SANDERS PORT OF ENTRY	1	0	1	0	0	0	-	▲Detail
09/28/2023	CA	Full (Level I)	DONNER PASS CVEF	0	0	0	0	0	0	-	▲Detail
09/26/2023	IL	Driver-Only (Level III)	I-64	0	0	0	0	0	0	-	▲Detail
09/22/2023	MO	Driver-Only (Level III)	STEELEMO	1	0	0	0	0	0	-	▲Detail
08/15/2023	OH	Full (Level I)	WILMINGTON SCALES NB	3	1	0	0	3	1	-	▲Detail
08/09/2023	IN	Full (Level I)	#13 I-94 WB PORTER	3	0	0	0	3	0	-	▲Detail
08/01/2023	GA	Driver-Only (Level III)	HIGH CRASH CORRIDOR	1	0	1	0	0	0	-	▲Detail
07/21/2023	KS	Walk-Around (Level II)	BELLEVILLE M.C.I.S. #58	3	0	0	0	3	0	-	▲Detail
07/20/2023	TX	Walk-Around (Level II)	US 77 RIVIERA	2	0	1	0	1	0	-	▲Detail
07/19/2023	IL	Full (Level I)	IL 29	5	0	1	0	4	0	-	▲Detail
07/18/2023	KS	Driver-Only (Level III)	SOUTH HAVEN M.C.I.S. #26A	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections49

Unsafe Driving 3 viols

HOS Compliance 5 viols

Vehicle Maintenance 20 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	THE TRAVELERS INDEMNITY CO. OF CONNECTICUT	Y-TR-5933L87A-07	$750,000	08/17/2007	10/04/2007	Cancelled
91X	BIPD/Primary	THE TRAVELERS INDEMNITY CO. OF CONNECTICUT	Y-TR-5933L87A-07	$750,000	08/17/2007	08/17/2007	Replaced
91X	BIPD/Primary	THE TRAVELERS INDEMNITY CO. OF CONNECTICUT	Y-TR-5933L87A-07	$1,000,000	08/17/2007	02/23/2010	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	PAP2334460804	$1,000,000	08/17/2004	08/17/2007	Replaced
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	PAP2334460804	$1,000,000	08/17/2004	09/21/2007	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	PAP233446-0804	$1,000,000	08/17/2004	08/17/2004	Replaced
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN392878	$1,000,000	08/17/2003	08/17/2004	Replaced
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN392878	$1,000,000	08/17/2003	09/13/2004	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482004	$1,000,000	08/01/2024	08/01/2025	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482003	$1,000,000	08/01/2023	08/01/2024	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482002	$1,000,000	08/01/2022	06/09/2023	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482002	$1,000,000	08/01/2022	08/01/2022	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482002	$1,000,000	08/01/2022	08/01/2023	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482002	$1,000,000	08/01/2022	12/10/2022	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482002	$1,000,000	08/01/2022	08/01/2022	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482001	$1,000,000	08/01/2021	08/01/2022	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	ZACAT9482000	$1,000,000	04/16/2021	08/01/2021	Replaced
91X	BIPD/Primary	SCOTTSDALE INSURANCE COMPANY	CTS0232644	$1,000,000	04/16/2020	04/16/2021	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	203491001	$1,000,000	04/16/2019	04/16/2019	Replaced
91X	BIPD/Primary	CANAL INSURANCE CO.	203491001	$1,000,000	04/16/2019	04/16/2020	Cancelled
91X	BIPD/Primary	NAVIGATORS INSURANCE COMPANY	CH17MOT02027900	$1,000,000	04/16/2017	04/16/2019	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE CO.	MMC1017123	$1,000,000	04/16/2016	04/16/2017	Cancelled
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE CO.	MPP1017123	$1,000,000	04/16/2015	02/08/2016	Cancelled
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE CO.	MPP1017123	$1,000,000	02/08/2016	04/16/2016	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE CO.	MPP1017123	$750,000	02/08/2016	02/08/2016	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC458639	CONTRACT	INVOLUNTARY REVOCATION	11/14/2022	DISCONTINUED REVOCATION	12/02/2022
MC458639	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	08/25/2003	REVOKED	03/01/2010
MC458639	CONTRACT	INVOLUNTARY REVOCATION	08/23/2007	DISCONTINUED REVOCATION	09/05/2007
MC458639	CONTRACT	INVOLUNTARY REVOCATION	08/17/2004	DISCONTINUED REVOCATION	08/23/2004
MC458639	PROPERTY BROKER	DISMISSED	06/19/2003	-	-
MC458639	CONTRACT	INVOLUNTARY REVOCATION	05/15/2023	DISCONTINUED REVOCATION	06/08/2023
MC458639	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	04/20/2015	REVOKED	02/16/2016
MC458639	CONTRACT	INVOLUNTARY REVOCATION	03/22/2021	DISCONTINUED REVOCATION	04/19/2021
MC458639	CONTRACT	INVOLUNTARY REVOCATION	03/20/2020	DISCONTINUED REVOCATION	04/16/2020
MC458639	CONTRACT	INVOLUNTARY REVOCATION	03/20/2017	DISCONTINUED REVOCATION	04/18/2017
MC458639	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	02/23/2016	-	-
MC458639	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	02/19/2016	-	-

No revocation records.

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

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

Satisfactory FMCSA safety rating.

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.

J AND S EXCHANGE INC

Trust Score

Public record

Company Information

Contact Details

Other Companies at This Address

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Roadside Violations by Safety Category Last 24 months

Inspection Records (72)

Safety Performance Percentiles

Licensing & Insurance

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