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DJ TRUCKING ENTERPRISE INC

Trust Score

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Company CheckDJ TRUCKING ENTERPRISE INC · DOT 2894179

601 EL CAMINO REAL NORTH SUITE 1, SALINAS, CA, 93907

DOT# 2894179 MC# 972543 Salinas, California 10 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

109

Inspections

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Public record

5 events tracked · latest Jun 7, 2026 ↓ Show details ↓

Safety & compliance 5

Jun 7, 2026
Roadside inspection, 1 violation (no OOS).
Jun 4, 2026
Roadside inspection, 1 violation (no OOS).
May 21, 2026
Clean roadside inspection, no violations.
May 18, 2026
Roadside inspection, 1 out-of-service violation.
Sep 14, 2024
Crash reported (no fatalities).

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

Contact Details

Phone(831) 449-9675

Fax(831) 621-4717

Email[email protected]

Physical Address601 EL CAMINO REAL NORTH SUITE 1, SALINAS, CA, 93907

Mailing AddressPO BOX 6142, SALINAS, CA, 93912-6142

Other Companies at This Address

Address601 EL CAMINO REAL NORTH SUITE 1, SALINAS, CA 93907

Others here

Distinct phones

Active

Company	DOT	Phone	Status
DJ TRUCKING ENTERPRISE INC this company	2894179	(831) 449-9675	Active
DAVID LOPEZ JR	981871	(831) 449-9675	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

DocketMC972543

CommonActive

ContractNot Active

BrokerNot Active

Operating10 years

Company Overview

DJ TRUCKING ENTERPRISE INC is a FMCSA-validated carrier based in Salinas, California. The company has been in operation for 10 years, registered with the FMCSA on 05/25/2016. The fleet consists of 14 power units and 20 drivers. Annual mileage is reported at 1,622,239 miles (2023). 1 crash has been reported with no fatalities. A total of 109 inspections are on file. Insurance coverage of $750,000 is on file through SENTRY SELECT INSURANCE COMPANY. Active operating authorities include Common. Based on authority, insurance, safety, and compliance data, DJ TRUCKING ENTERPRISE INC has a Trust Score of 94/100 (Excellent).

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 4.29 · 11 insp with violations

Below cutoff

Hours-of-Service Compliance

measure 1 · 13 insp with violations

Below cutoff

Driver Fitness

measure .34 · 3 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 2.03 · 15 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage1,622,239 miles

Mileage Year2023

VMT SourceMCS-150 Form

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)1

Fatal0

Driver OOS8.2% avg 5.5%

Vehicle OOS8.3% avg 20.7%

SmartWay PartnerNo

Last Review05/31/2024

Insurance

Amount$750,000

Type91X

Effective08/15/2022

CompanySENTRY SELECT INSURANCE COMPANY

Policy #A0200973001

Quick Facts

StatusActive

TypeCarrier

Fleet14 units

Drivers20

Mileage1,622,239 mi

Operating10 years

MCS-15010/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)1

Fatal0

Injury0

Tow-Away1

Driver Inspections

Total61

Out of Service5

OOS Rate8.2%

National Avg5.5%

Above National Average

Vehicle Inspections

Total48

Out of Service4

OOS Rate8.3%

National Avg20.7%

Below National Average

Last FMCSA Review: 05/31/2024

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

15 · 2 OOS -

2024

26 · 4 OOS ▲

2025

34 · 4 OOS =

2026

17 · 3 OOS ▼

Crashes

2023

0 crashes -

2024

2 crashes ▲

2025

0 crashes ▼

2026

0 crashes =

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 Jun 2026, 60 inspections, 9 resulted in out-of-service (15% OOS rate).

Driver Out-of-Service 5 OOS

Vehicle Out-of-Service 4 OOS

Live FMCSA roadside inspection records, refreshed monthly.

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
09/14/2024	UNINCORPORATED	CA	0	0	1	1	Clear	Dry	Dawn
04/29/2024	TOLLESON	AZ	0	0	1	2	Clear	Dry	Daylight

Roadside Violations by Safety Category Last 24 months

66 roadside violations across 60 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

Hours-of-Service (HOS) Compliance 26 violations · 3 OOS

Vehicle Maintenance 20 violations · 4 OOS

Unsafe Driving 17 violations · 0 OOS

Driver Fitness 3 violations · 2 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 (92)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
06/07/2026	CA	Walk-Around (Level II)	CA	1	0	1	0	0	0	-	▲Detail
06/04/2026	AZ	Walk-Around (Level II)	YUMA AZ	1	0	0	0	1	0	-	▲Detail
05/21/2026	CA	Walk-Around (Level II)	CA	0	0	0	0	0	0	-	▲Detail
05/18/2026	CA	Walk-Around (Level II)	CA	5	1	5	1	0	0	-	▲Detail
05/07/2026	CA	Walk-Around (Level II)	CA	2	0	2	0	0	0	-	▲Detail
04/22/2026	CA	Full (Level I)	BARSTOW, CA	0	0	0	0	0	0	-	▲Detail
04/02/2026	CA	Walk-Around (Level II)	CASTAIC IF	1	0	0	0	1	0	-	▲Detail
04/02/2026	CA	Walk-Around (Level II)	DESERT HILLS IF	2	1	1	1	1	0	-	▲Detail
03/27/2026	CA	Driver-Only (Level III)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
03/24/2026	CA	Walk-Around (Level II)	SIDEWINDER PLATFORM SCALE	4	0	3	0	1	0	-	▲Detail
03/17/2026	CA	Walk-Around (Level II)	BAKERSFIELD AREA	1	0	1	0	0	0	-	▲Detail
03/10/2026	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
03/05/2026	AZ	Walk-Around (Level II)	YUMA AZ	1	0	1	0	0	0	-	▲Detail
02/19/2026	AZ	Walk-Around (Level II)	YUMA AZ	3	1	0	0	3	1	-	▲Detail
02/13/2026	CA	Walk-Around (Level II)	SB SR-111 SO SR-78	6	0	2	0	4	0	-	▲Detail
02/12/2026	AZ	Walk-Around (Level II)	YUMA AZ	1	0	0	0	1	0	-	▲Detail
01/03/2026	CA	Driver-Only (Level III)	DESERT HILLS IF	1	0	0	0	1	0	-	▲Detail
12/27/2025	CA	Driver-Only (Level III)	DESERT HILLS IF	0	0	0	0	0	0	-	▲Detail
12/26/2025	CA	Walk-Around (Level II)	DESERT HILLS IF	2	0	0	0	0	0	-	▲Detail
12/19/2025	CA	Driver-Only (Level III)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
12/15/2025	CA	Full (Level I)	DESERT HILLS IF	3	0	2	0	1	0	-	▲Detail
11/16/2025	CA	Driver-Only (Level III)	DESERT HILLS IF	1	0	0	0	1	0	-	▲Detail
10/31/2025	CA	Driver-Only (Level III)	I5 NB CASTAIC CVEF	0	0	0	0	0	0	-	▲Detail
10/12/2025	CA	Walk-Around (Level II)	GRAPEVINE CVEF	0	0	0	0	0	0	-	▲Detail
10/08/2025	US	Full (Level I)	LEBEC CA	0	0	0	0	0	0	-	▲Detail
09/25/2025	CA	Full (Level I)	CAJON PLATFORM SCALE	1	1	0	0	1	1	-	▲Detail
09/23/2025	CA	Walk-Around (Level II)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
09/22/2025	CA	Walk-Around (Level II)	SR-46 E/O LAVENDER GARDEN	3	0	2	0	1	0	-	▲Detail
09/19/2025	AZ	Walk-Around (Level II)	EHRENBERG AZ	1	1	0	0	0	1	-	▲Detail
09/13/2025	CA	Walk-Around (Level II)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
09/11/2025	CA	Driver-Only (Level III)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
08/24/2025	CA	Full (Level I)	I-8 W/B AT SIDEWINDER SCALES	1	0	0	0	1	0	-	▲Detail
08/11/2025	CA	Walk-Around (Level II)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
08/05/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
07/09/2025	CA	Walk-Around (Level II)	KEENE	0	0	0	0	0	0	-	▲Detail
07/09/2025	CA	Full (Level I)	CASTAIC IF	1	0	1	0	0	0	-	▲Detail
07/08/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
06/28/2025	AZ	Walk-Around (Level II)	YUMA AZ	0	0	0	0	0	0	-	▲Detail
06/17/2025	AZ	Walk-Around (Level II)	PHOENIX AZ	4	1	0	1	0	0	-	▲Detail
05/21/2025	CA	Driver-Only (Level III)	I-5 SB NO SR58	2	0	2	0	0	0	-	▲Detail
05/19/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
05/05/2025	CA	Walk-Around (Level II)	DESERT HILLS IF	0	0	0	0	0	0	-	▲Detail
04/08/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
03/25/2025	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
03/15/2025	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
02/27/2025	CA	Full (Level I)	GRAPEVINE IF	2	0	0	0	2	0	-	▲Detail
02/26/2025	AZ	Walk-Around (Level II)	SACATON AZ	2	0	0	0	0	0	-	▲Detail
02/12/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
02/03/2025	CA	Walk-Around (Level II)	S/B I-5 N/O SR-58	2	0	2	0	0	0	-	▲Detail
01/27/2025	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	2	1	1	1	1	0	-	▲Detail
01/08/2025	CA	Driver-Only (Level III)	CACHE CREEK SCALE	0	0	0	0	0	0	-	▲Detail
12/02/2024	CA	Driver-Only (Level III)	DESERT HILLS IF	1	0	0	0	1	0	-	▲Detail
11/23/2024	CA	Driver-Only (Level III)	BUTTONWILLOW	5	0	5	0	0	0	-	▲Detail
11/07/2024	AZ	Driver-Only (Level III)	BUCKEYE AZ	1	0	0	0	0	0	-	▲Detail
09/18/2024	CA	Walk-Around (Level II)	TRACY AVE N/O SR-58	2	1	2	1	0	0	-	▲Detail
08/19/2024	AZ	Driver-Only (Level III)	YUMA AZ	1	0	0	0	0	0	-	▲Detail
08/14/2024	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
08/14/2024	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
07/31/2024	CA	Full (Level I)	NORTHBOUND CAJON SCALES	2	1	0	0	2	1	-	▲Detail
07/15/2024	CA	Walk-Around (Level II)	PASO ROBLES	1	0	1	0	0	0	-	▲Detail
06/17/2024	AZ	Walk-Around (Level II)	YUMA AZ	2	0	0	0	0	0	-	▲Detail
06/12/2024	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
06/12/2024	CA	Full (Level I)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
06/11/2024	CA	Driver-Only (Level III)	GLENDORA	1	0	1	0	0	0	-	▲Detail
04/25/2024	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
04/12/2024	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
04/10/2024	CA	Full (Level I)	ROY DIAZ AT US 101 NB ON RAMP	0	0	0	0	0	0	-	▲Detail
04/08/2024	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
03/26/2024	AZ	Walk-Around (Level II)	YUMA AZ	0	0	0	0	0	0	-	▲Detail
03/05/2024	CA	Walk-Around (Level II)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
03/01/2024	CA	Full (Level I)	BARSTOW, CA	0	0	0	0	0	0	-	▲Detail
03/01/2024	CA	Walk-Around (Level II)	170TH ST E AT AVE O	1	0	0	0	1	0	-	▲Detail
02/14/2024	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
02/12/2024	AZ	Driver-Only (Level III)	BUCKEYE AZ	2	1	0	1	0	0	-	▲Detail
02/12/2024	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
01/27/2024	CA	Driver-Only (Level III)	GRAPEVINE IF	1	1	1	1	0	0	-	▲Detail
01/11/2024	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
12/13/2023	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
11/09/2023	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
11/08/2023	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	1	0	0	0	1	0	-	▲Detail
11/03/2023	CA	Walk-Around (Level II)	CAJON SCALES	1	1	0	0	1	1	-	▲Detail
10/18/2023	CA	Full (Level I)	WINTERHAVEN	0	0	0	0	0	0	-	▲Detail
09/02/2023	CA	Walk-Around (Level II)	GRAPEVINE CVEF	1	0	0	0	1	0	-	▲Detail
08/30/2023	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
08/16/2023	CA	Driver-Only (Level III)	ROY DIAZ AT US 101 NB ON RAMP	0	0	0	0	0	0	-	▲Detail
08/07/2023	CA	Full (Level I)	BLACKROCK PLATFORM SCALES	1	0	0	0	1	0	-	▲Detail
07/31/2023	CA	Full (Level I)	SIDEWINDER PLATFORM SCALE	0	0	0	0	0	0	-	▲Detail
07/18/2023	CA	Walk-Around (Level II)	DESERT HILLS IF	1	0	0	0	1	0	-	▲Detail
07/12/2023	CA	Full (Level I)	GILROY IF	0	0	0	0	0	0	-	▲Detail
07/08/2023	AZ	Walk-Around (Level II)	E. FRONTAGE ROAD	2	0	2	0	0	0	-	▲Detail
07/04/2023	AZ	Driver-Only (Level III)	QUARTZSITE	1	0	1	0	0	0	-	▲Detail
06/21/2023	CA	Full (Level I)	ROY DIAS ST AT US101	2	1	0	0	2	1	-	▲Detail

Safety Performance Percentiles

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

Total Inspections60

Unsafe Driving 11 viols

HOS Compliance 13 viols

Driver Fitness 3 viols

Vehicle Maintenance 15 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91	BIPD	ACCIDENT FUND GENERAL INSURANCE COMPANY	CA-CRO-000426-21	$0	08/15/2021	08/15/2022	Cancelled
91X	BIPD/Primary	UNITED SPECIALTY INSURANCE COMPANY	GWP61194 00	$750,000	08/15/2020	08/15/2021	Replaced
91X	BIPD/Primary	HARCO NATIONAL INSURANCE CO.	TP-4330784	$750,000	08/15/2019	08/15/2020	Cancelled
91	BIPD	WATFORD INSURANCE COMPANY	WIC1001927-00	$0	08/15/2018	08/15/2019	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9222087	$750,000	06/03/2016	08/15/2018	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC972543	COMMON	INVOLUNTARY REVOCATION	07/20/2020	DISCONTINUED REVOCATION	08/17/2020
MC972543	COMMON	INVOLUNTARY REVOCATION	07/19/2022	DISCONTINUED REVOCATION	08/09/2022
MC972543	COMMON	INVOLUNTARY REVOCATION	07/19/2019	DISCONTINUED REVOCATION	08/15/2019
MC972543	MOTOR PROPERTY COMMON CARRIER	GRANTED	06/16/2016	-	-

No revocation records.

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

94/100

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 94

Starts at 100−6 totalFinal 94

Driver out-of-service rate above national average−5

Crashes on record (rate-adjusted)−1

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

-5

Driver out-of-service rate above national average

Driver OOS 8.1967% vs national avg 5.51%.

-1

Crashes on record (rate-adjusted)

Crash rate: 1 crash(es) across 14 vehicles (~0.07 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−1 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 1 crash(es) across 14 vehicles (~0.07 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 8.1967% vs national avg 5.51%.

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.

DJ TRUCKING ENTERPRISE INC

Trust Score

Public record

Company Information

Contact Details

Other Companies at This Address

Operating Authorities

Company Overview

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (2)

Roadside Violations by Safety Category Last 24 months

Inspection Records (92)

Safety Performance Percentiles

Licensing & Insurance

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