See what the underwriter sees,
before you send the submission.

Before anything on the application matters, a commercial auto underwriter checks whether the carrier can legally operate and whether the federal record already says something disqualifying. That means: is there an out-of-service order in force, is operating authority active, is there a live BI/PD filing on record, has FMCSA issued an adverse safety rating, is a cancellation filed against the current policy, has a suspension notice been served, has an insurance filing been rejected, and does this carrier share operating identifiers with another one. Those questions are answerable from public FMCSA data before a submission is even opened, which is why a declined submission so often turns out to have been declinable from day one. This tool runs those checks and shows you what they return.

Neither, deliberately. Every line states a fact that is on a federal record, with the date and the file it came from, and stops there. No sentence says a submission will be declined, that a carrier is uninsured, or that a carrier is unsafe or fraudulent. Underwriting appetite varies enormously between carriers and programs: a finding that ends one submission is priced into another. What this tool tells you is what will be in front of the underwriter when they open the file, so you can address it in the cover note instead of finding out three days later.

They share an acronym and they are not the same thing. A roadside out-of-service is an inspector at a scale putting one vehicle or one driver out of service for the rest of that trip, usually for a brake defect or an hours violation. A federal out-of-service ORDER is FMCSA shutting the company down: the carrier may not operate at all until the order is rescinded. This report keeps them in separate categories and says so in the sentence, because conflating them would turn a routine maintenance finding into a company-ending one.

Because some of the underlying federal files are large mirrors that seed over time, and if one has not finished loading, the honest answer is that the check did not run. A report that could not see rejected filings must never read like a report that found none. So an unavailable input is reported as an abstention, listed by name, rather than being silently treated as a pass. Every check that did run is a real read against a real record.

No, and this is the single easiest way to get this wrong. FMCSA publishes both a status column and a rescission date on each order, and the status column lags: the large majority of orders still labelled ACTIVE already carry a rescission date, meaning the order was lifted. Reading the status alone would put tens of thousands of carriers under a federal shutdown order that no longer exists. This tool treats an order as in force only when it is ACTIVE and carries no rescission date, which is the only defensible reading of the file.

The check is free every time, with no daily limit: the headline and every hard stop are shown in full whether you give an email or not. The email gets you the full report as a PDF, which adds the written-out serious findings and the questions for the agent, each with its federal source, in a document written to be forwarded to a producer or an insured. There is no account, no verification step and no card.

Public FMCSA publications on data.transportation.gov: the carrier census, the Licensing & Insurance and MOTUS authority and insurance records, the out-of-service order file, the SMS safety data, the vehicle inspection and crash files, and the rejected-filing and suspension-notice feeds. They are mirrored here and refreshed on their own publication schedules, and each finding names the specific file it came from so you can verify it against the federal source yourself.

That is Market Tracker, the paid product this tool is a slice of. It indexes every active USDOT carrier, so you can filter by state, fleet size, safety profile and renewal window, watch a book of DOTs and get emailed when a filing, an authority status or an out-of-service order changes. The single-carrier check on this page stays free.