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LORI'S LARGE CAR BROKERAGE INC

Trust Score

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Company CheckLORI'S LARGE CAR BROKERAGE INC · DOT 2232786

5102 ANDERSON ROAD, STEWARTSTOWN, PA, 17363

DOT# 2232786 MC# 497146 Stewartstown, Pennsylvania 21 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

Not reported

Insurance

Not Rated

Safety Rating

Inspections

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Contact Details

Phone(717) 993-6806

Email[email protected]

Physical Address5102 ANDERSON ROAD, STEWARTSTOWN, PA, 17363

Mailing Address5102 ANDERSON ROAD, STEWARTSTOWN, PA, 17363

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 StatusActive

Required$75,000 (FMCSA min)

TypeSurety Bond (BMC-84)

Last filing on record10/01/2023

Surety / TrusteeHARCO NATIONAL INSURANCE CO.

Contact☎ (800) 525-7486
🌐 imtins.com

Filings on record10

Bond history

HARCO NATIONAL INSURANCE CO.since Oct 31, 2025 · active

HUDSON INSURANCE COMPANYOct 2023 to Oct 2024 · CANCELLED

UNITED STATES FIRE INSURANCE CO.Oct 2020 to Sep 2023 · CANCELLED

AMERICAN ALTERNATIVE INSURANCE CORPORATIONOct 2013 to Oct 2019 · CANCELLED

AMERICAN ALTERNATIVE INSURANCE CORPORATIONAug 2012 to Jul 2013 · replaced

PACIFIC FINANCIAL ASSOCIATION, INC.Aug 2004 to Aug 2012 · replaced

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Other Companies at This Address

Address5102 ANDERSON ROAD, STEWARTSTOWN, PA 17363

Others here

Distinct phones

Active

Company	DOT	Phone	Status
EXTREME TRUCKING INC	1191435	(717) 993-6806	Active
LORI'S LARGE CAR BROKERAGE INC this company	2232786	(717) 993-6806	Active

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;OTHER-BROKER

Carrier Operation-

DocketMC497146

CommonNot Active

ContractNot Active

BrokerActive

Operating21 years

Company Overview

AMERICAN ALTERNATIVE INSURANCE CORPORATION is a FMCSA-validated broker based in Stewartstown, Pennsylvania. The company has been in operation for 21 years, registered with the FMCSA on 11/19/2011. The company has a clean safety record with zero reported crashes. Active operating authorities include Broker. Based on authority, insurance, safety, and compliance data, AMERICAN ALTERNATIVE INSURANCE CORPORATION has a Trust Score of 100/100 (Excellent).

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%

SmartWay PartnerNo

Insurance

AmountNot reported

Type84

Effective10/31/2025

CompanyHARCO NATIONAL INSURANCE CO.

Policy #0854689

Quick Facts

StatusActive

TypeBroker

FleetN/A

DriversN/A

Operating21 years

MCS-15010/2024

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%

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
84	SURETY	HUDSON INSURANCE COMPANY	TCS18750	$0	10/01/2023	10/01/2024	Replaced
84	SURETY	HUDSON INSURANCE COMPANY	TCS18750	$0	10/01/2023	10/03/2024	Cancelled
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615110906	$0	10/01/2020	09/30/2023	Cancelled
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615110906	$0	10/01/2019	10/01/2020	Replaced
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615110906	$0	10/01/2019	10/02/2020	Cancelled
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20130718214	$0	10/01/2013	10/01/2019	Replaced
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20130718214	$0	10/01/2013	10/10/2019	Cancelled
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	08/17/2004	08/16/2012	Replaced
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20120808709	$0	08/16/2012	07/19/2013	Replaced
84	SURETY	AMERICAN ALTERNATIVE INSURANCE CORPORATION	20130718214	$0	07/19/2013	10/01/2013	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC497146	BROKER	INVOLUNTARY REVOCATION	09/13/2019	DISCONTINUED REVOCATION	09/27/2019
MC497146	BROKER	INVOLUNTARY REVOCATION	09/08/2020	DISCONTINUED REVOCATION	09/17/2020
MC497146	BROKER	INVOLUNTARY REVOCATION	09/06/2024	DISCONTINUED REVOCATION	09/26/2024
MC497146	BROKER	INVOLUNTARY REVOCATION	09/05/2023	DISCONTINUED REVOCATION	09/21/2023
MC497146	PROPERTY BROKER	GRANTED	08/27/2004	-	-

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.

Active broker authority

Holds active broker authority.

Broker bond (BMC-84) on file

Active broker authority on file, FMCSA requires a BMC-84 surety bond ($75K) to keep it active.

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.

LORI'S LARGE CAR BROKERAGE INC

Trust Score

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Other Companies at This Address

Operating Authorities

Company Overview

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Licensing & Insurance

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