What underwriters see when they look up your USDOT number
Enter your USDOT number and see your public record the way an underwriter reads it.
Public FMCSA records only. Nothing you type is saved, and no email is needed.
How underwriters read your DOT recordWhat they check, where it comes from, why it matters
Your FMCSA record is the first thing an underwriter checks, before your application, your MVRs or your loss runs. Every gap or mismatch on it is a question that costs you.
- Time in businessWhen the company was added to FMCSA's recordsUnder one to two years is a new venture. Fewer insurers quote it, and price is higher.
- Operating authorityFMCSA registrationInterstate for-hire carriers need active authority. A lapse often means insurance was cancelled.
- Insurance historyFMCSA filing history, last three yearsCancellations, including for late payment, are visible to every insurer. Frequent switching raises questions.
- Liability filingInsurance filings with FMCSAShows coverage is in place. Gaps and cancellations make underwriters ask why.
- Out-of-service ratesRoadside inspections, last 24 monthsAbove the national average reads as a maintenance or compliance problem.
- CrashesReportable crashes, last 24 monthsInjury and fatal crashes weigh heavily, whoever was at fault.
- Safety ratingFMCSA compliance reviewMost carriers are unrated. Conditional or Unsatisfactory narrows the market.
- MCS-150 updateRegistration update, required every two yearsOut of date can deactivate the number. Units and drivers should match your application.
The most common problem I see: a FMCSA profile that doesn't match the business. Wrong truck count, old drivers, the wrong commodities or the wrong type of authority. Underwriters compare your profile to your application line by line, and a mismatch can get a quote declined before anyone looks at your driving. That's why the tool asks how many trucks you actually run.
What this record doesn't show: your drivers' MVRs and years of experience, your loss runs, and what you haul. Those often matter just as much, which is why two carriers with the same DOT record can get very different quotes.
Want the bigger picture? Read the commercial truck insurance guide.
Questions people ask9 short answers
Is this the same as my CSA score?
Not exactly. FMCSA doesn't publicly show most CSA percentile scores for property carriers. This tool shows the numbers underneath them: inspections, out-of-service rates and crashes. Those are what underwriters can see and what they use.
How far back do inspections and crashes go?
The inspection and crash numbers cover the last 24 months. Older inspections drop off, so a bad stretch fades as clean inspections replace it.
Can I fix a high out-of-service rate?
Yes, over time. Every clean inspection brings the rate down, and old inspections age out after 24 months. If an inspection or crash on your record is wrong, you can challenge it through FMCSA's DataQs system.
Why does my FMCSA filing show $750,000 when my policy is $1,000,000?
FMCSA shows the amount your insurer filed, and $750,000 is the federal minimum for most general freight. Many policies are written at $1,000,000 because brokers and shippers require it, while the filing shows the minimum. Both are normal.
I have zero claims. Why was I still declined?
Loss runs only show claims your insurer paid. Your FMCSA record also shows inspections, out-of-service violations and reportable crashes, including ones where no claim was filed. Underwriters read both.
An owner-operator left my company. Why are their inspections still on my record?
Inspections stay tied to the DOT number the truck ran under. When a leased owner-operator leaves, get a signed lease termination letter so you can show underwriters the truck and driver are no longer yours.
Can a new authority get insurance?
Yes. Fewer insurers quote companies under one or two years old, and price is higher, but new ventures get placed every day. With no history on the DOT number, underwriters lean on your drivers' experience and MVRs.
Why does it say no liability is on file when I have insurance?
A new filing can take a few days to show up. If it's been longer, ask your agent to confirm the filing was sent under the right USDOT and MC number.
Does this tool save my USDOT number or contact me?
No. It reads FMCSA's public records and shows you the result. Nothing is saved, and no email or phone number is asked for.
Who built this
I'm Alex Kuchkarov, an independent insurance broker. I've worked in insurance since 2013 and only in trucking insurance since 2020, placing owner-operators and fleets with more than 50 insurers. I built this tool because the first thing I do with every new file is read the DOT record, and most truckers have never seen theirs the way an underwriter does.
This page is educational. It is not a quote, a policy or an underwriting decision. Help from a person is always here if you want it; it isn't required.