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VALIDATED

CHAD'S TOWING & RECOVERY INC

Trust Score

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219 N 7TH ST, ST CHARLES, IL, 60174

DOT# 831725 MC# 368513 St Charles, Illinois 26 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

Inspections

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Contact Details

Phone(630) 584-3030

Email-

Physical Address219 N 7TH ST, ST CHARLES, IL, 60174

Mailing Address219 N 7TH ST, ST CHARLES, IL, 60174

Operating Authorities

Authority TypePRIVATE PROPERTY;AUTHORIZED FOR HIRE

Carrier Operation

DocketMC368513

CommonActive

ContractNot Active

BrokerNot Active

Operating26 years

Company Overview

CHAD'S TOWING & RECOVERY INC is a FMCSA-validated carrier based in St Charles, Illinois. The company has been in operation for 26 years, registered with the FMCSA on 10/05/1999. The fleet consists of 4 power units and 4 drivers. The company has a clean safety record with zero reported crashes. Insurance coverage of $750,000 is on file through PIONEER SPECIALTY INSURANCE COMPANY. Active operating authorities include Common. Based on authority, insurance, safety, and compliance data, CHAD'S TOWING & RECOVERY INC has a Trust Score of 88/100 (Excellent).

Operation Classification

Authorized For HirePrivate (Property)

Drivers

Interstate

Intrastate

CDL

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%

Insurance

Amount$750,000

Type91X

Effective04/01/2019

CompanyPIONEER SPECIALTY INSURANCE COMPANY

Policy #GRP#1092153

Quick Facts

StatusActive

TypeCarrier

Fleet4 units

Drivers4

Operating26 years

MCS-15006/2022

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

No roadside inspections on record.

Crashes

2024

1 crash —

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

Crash Records (1)

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
03/01/2024	WEST CHICAGO	IL	0	1	1	2	Sleet/Hail	Dry	Daylight

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	LTP102944-01	$0	04/10/2006	04/01/2007	Cancelled
91X	BIPD/Primary	UNIVERSAL UNDERWRITERS INSURANCE CO.	328739	$1,000,000	04/01/2013	04/01/2019	Replaced
34	CARGO	TRUCK INSURANCE EXCHANGE	604808037	$0	04/01/2011	08/04/2012	Cancelled
34	CARGO	TRUCK INSURANCE EXCHANGE	602910312	$0	04/01/2010	04/01/2011	Replaced
91X	BIPD/Primary	TRUCK INSURANCE EXCHANGE	604808037	$1,000,000	04/01/2010	04/01/2013	Replaced
34	CARGO	TRUCK INSURANCE EXCHANGE	602910312	$0	04/01/2010	05/19/2011	Cancelled
91X	BIPD/Primary	TRUCK INSURANCE EXCHANGE	604808037	$1,000,000	04/01/2010	05/16/2013	Cancelled
91X	BIPD/Primary	EVEREST NATIONAL INSURANCE COMPANY	7400000231-091	$1,000,000	04/01/2009	04/01/2010	Cancelled
34	CARGO	EVEREST NATIONAL INSURANCE COMPANY	7400000231-091	$0	04/01/2009	04/01/2010	Cancelled
34	CARGO	EVEREST NATIONAL INSURANCE COMPANY	7400000231-081	$0	04/01/2008	04/29/2009	Cancelled
34	CARGO	EVEREST NATIONAL INSURANCE COMPANY	7400000231-081	$0	04/01/2008	04/01/2009	Replaced
91X	BIPD/Primary	EVEREST NATIONAL INSURANCE COMPANY	7400000231-081	$1,000,000	04/01/2008	04/29/2009	Cancelled
91X	BIPD/Primary	EVEREST NATIONAL INSURANCE COMPANY	7400000231-081	$1,000,000	04/01/2008	04/01/2009	Replaced
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AE0TT102129CA01	$1,000,000	04/01/2007	04/01/2008	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AE0TT102129CA01	$0	04/01/2007	04/01/2008	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	LTP102944-01	$1,000,000	04/01/2006	04/01/2007	Cancelled
91X	BIPD/Primary	LINCOLN GENERAL INSURANCE COMPANY	LTP102944	$1,000,000	04/01/2005	04/01/2006	Cancelled
34	CARGO	LINCOLN GENERAL INSURANCE COMPANY	LTP102944	$0	04/01/2005	04/01/2006	Cancelled
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	WCP102000193101	$750,000	04/01/2004	04/01/2005	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	WCP102000193101	$0	04/01/2004	04/01/2005	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	WCP102000193100	$0	04/01/2003	04/01/2004	Cancelled
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	WCP102000193100	$750,000	04/01/2003	04/01/2004	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	WCP102000146600	$0	04/01/2003	05/29/2003	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	WCP102000146600	$0	04/01/2003	04/01/2003	Replaced
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	WCP102000146600	$750,000	04/01/2003	05/29/2003	Cancelled
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	WCP102000146600	$750,000	04/01/2003	04/01/2003	Replaced
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	KB 1615-1	$750,000	04/01/2002	04/01/2003	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	KB 1615-1	$0	04/01/2002	04/01/2003	Cancelled
34	CARGO	WESTPORT INSURANCE CORPORATION	KB1615-0	$0	04/01/2001	04/01/2002	Cancelled
91X	BIPD/Primary	WESTPORT INSURANCE CORPORATION	KB1615-0	$750,000	04/01/2001	04/01/2002	Cancelled
34	CARGO	CONTINENTAL CASUALTY CO.	223728891	$0	04/01/2000	08/27/2000	Cancelled
34	CARGO	CONTINENTAL CASUALTY CO.	223728891	$0	04/01/2000	04/01/2001	Replaced
91	BIPD	CONTINENTAL CASUALTY CO.	223728891	$0	04/01/2000	04/01/2001	Replaced
91	BIPD	CONTINENTAL CASUALTY CO.	223728891	$0	04/01/2000	08/27/2000	Cancelled
91	BIPD	AMERICAN GUARANTEE & LIABILITY INS. CO.	BAP2885632	$0	04/01/1999	04/01/2000	Cancelled
34	CARGO	AMERICAN GUARANTEE & LIABILITY INS. CO.	BAP2885632	$0	04/01/1999	04/01/2000	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC368513	MOTOR PROPERTY COMMON CARRIER	GRANTED	11/05/1999	-	-
MC368513	COMMON	INVOLUNTARY REVOCATION	04/27/2000	DISCONTINUED REVOCATION	06/06/2000
MC368513	COMMON	INVOLUNTARY REVOCATION	04/19/2013	DISCONTINUED REVOCATION	04/30/2013
MC368513	COMMON	INVOLUNTARY REVOCATION	03/07/2005	DISCONTINUED REVOCATION	03/28/2005
MC368513	COMMON	INVOLUNTARY REVOCATION	03/06/2006	DISCONTINUED REVOCATION	03/31/2006
MC368513	COMMON	INVOLUNTARY REVOCATION	03/05/2010	DISCONTINUED REVOCATION	04/02/2010
MC368513	COMMON	INVOLUNTARY REVOCATION	03/05/2008	DISCONTINUED REVOCATION	03/31/2008
MC368513	COMMON	INVOLUNTARY REVOCATION	03/05/2007	DISCONTINUED REVOCATION	03/29/2007
MC368513	COMMON	INVOLUNTARY REVOCATION	03/05/2004	DISCONTINUED REVOCATION	04/07/2004

No revocation records.

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88/100

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 88

−10

Starts at 100−12 totalFinal 88

MCS-150 update overdue−10

No email address on file−2

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

-10

MCS-150 update overdue

The required biennial MCS-150 update has not been filed on time (score factor, not a verification failure).

-2

No email address on file

No public email address on record.

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.

CHAD'S TOWING & RECOVERY INC

Trust Score

Company Information

Contact Details

Operating Authorities

Company Overview

Operation Classification

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Crash Records (1)

Licensing & Insurance