Pattern B · Coverage Gap

Hotard Coaches Inc

NEW ORLEANS, LA · USDOT 156,451 · 334 power units · large fleet

$6.4Mcoverage gap

P90 fatal verdict − BIPD limit · LA Tier A

SafeNY Risk Score

3.3

MODERATE

Primary risk factor: Crash

Confidence ●●●● (4 of 4 data sources verified)

Source: FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash + Inspection Records, snapshot 2026-05-01 · Computed 2026-05-12 · Outdated

SNRS is a decision-support score for legal-case evaluation. Statistical estimate only — not legal advice and not evidence of liability. See methodology.

If you were involved in a crash with this carrier, the data below may help you understand whether your case warrants legal attention. The lead form at the bottom of this page can connect you to an attorney specialist for case-specific evaluation.

SafeNY Underinsured Flag

Insurance coverage falls short of P90 fatal verdict estimate.

Policy limit on file: $5M. Statistical P90 fatal verdict in carrier's domicile state: $11.4M. SafeNY Coverage Gap: approximately $6.4M.

$6.4M gap; LA (Tier A) P90 fatal estimate exceeds filed coverage. Multi-defendant analysis (freight broker, shipper, maintenance contractor) commonly considered.

When carrier insurance is insufficient at P90, recovery to full damages typically requires a multi-defendant strategy — pursuing the freight broker, shipper, or maintenance contractor as co-defendants alongside the motor carrier itself.

Source: FMCSA L&I filings + SSR P90 (state-tier shifted)

Insurance & coverage

Active policies

2

Primary insurer

National Union Fire Ins. Co. Of Pitsbgh. Pa

Liability limit on file

$5M

BIPD limit of $5.0M — likely hazmat or specialty operations classification (49 CFR § 387.9 hazmat tier).

Source: FMCSA L&I filings (BMC-91 / BMC-91X / MCS-90) · Computed 2026-05-14 · Outdated

Crash record · 5-year window

Total crashes

12

Fatal

0

Injury

8

Last incident: 3 months ago

12 crashes over 5 years, no fatal records.

Night-driving crash pattern

The SafeNY Night-Driving Pattern: of 12 documented crashes in the past 5 years, 6 occurred in dark conditions (no street lighting, partial lighting, or unknown roadway lighting). That's 50% of this carrier's crashes vs the FMCSA dataset baseline of 25.7%.

50.0% dark-condition share — above baseline (25.7%) but not statistically significant at this sample size (p=0.054, N=12).

Method: One-sample binomial test against 25.7% baseline (FMCSA SMS Crash File 2026-04 Snapshot, n≈259k national records). p = 0.054. Dark-condition driving is regulated under 49 CFR § 392.14 (hazardous conditions); federal Hours-of-Service rules at 49 CFR § 395 limit consecutive driving hours and overlap with night-driving fatigue management.

Source: FMCSA MCMIS Crash File · Computed 2026-05-14 · Outdated

Educational Settlement Severity Estimate (Non-Advisory)

The SafeNY SSR estimates the likely verdict range for a hypothetical crash scenario involving this carrier. Adjust severity and jurisdiction.

Risk decomposition

Five-factor breakdown of the SafeNY SNRS for this carrier, used to explain the composite score.

Driven primarily by C-factor (crash rate) at 5.5/10, below the large-cohort median of 4.8.

Method: how this carrier's SafeNY SNRS was computed(expand for carrier-specific walkthrough)

The five factors below come from Hotard Coaches Inc's actual FMCSA records. Each factor is a 0–10 score; the composition produces a 0–10 SNRS smoothed against the prior month's value (α = 0.40). The Bayesian step below leaves exposure_M-PUD symbolic; the closed-form denominator and a worked example are on /methodology#shrinkage.

Step 1 — Bayesian-shrunk crash rate

This carrier has 12 documented crashes in the past 5 years (0 fatal). The cohort prior (mean fatal rate for similar-sized fleets) is 0.272 events per million power-unit-days; after Bayesian shrinkage with prior strength w₀ = 10, this carrier's adjusted rate is 0.256.

r^shrunk  =  10⋅0.272  +  1210  +  exposureM-PUD  =  0.256\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.272 \;+\; 12}{10 \;+\; \text{exposure}_{\text{M-PUD}}} \;=\; 0.256

Step 2 — Five-factor SNRSraw composition (B-method)

SNRSraw  =  0.60⋅max⁡(C,N,M)  +  0.30⋅median⁡(C,N,M,D)  +  0.10⋅SSNRS_{raw} \;=\; 0.60 \cdot \max(C, N, M) \;+\; 0.30 \cdot \operatorname{median}(C, N, M, D) \;+\; 0.10 \cdot S
  =  0.60⋅max⁡(5.5,0.0,0.1)  +  0.30⋅median⁡(5.5,0.0,0.1,0.0)  +  0.10⋅0.0  =  3.3\quad\;=\; 0.60 \cdot \max(5.5, 0.0, 0.1) \;+\; 0.30 \cdot \operatorname{median}(5.5, 0.0, 0.1, 0.0) \;+\; 0.10 \cdot 0.0 \;=\; 3.3

C Crash 5.5 · N Negligence 0.0 · M Mechanical 0.1 · D Driver 0.0 · S Stability 0.0

Step 3 — EMA smoothing against last month's value

SNRS  =  α⋅SNRSraw  +  (1−α)⋅SNRSprev,α=0.40SNRS \;=\; \alpha \cdot SNRS_{raw} \;+\; (1-\alpha) \cdot SNRS_{\text{prev}}, \quad \alpha = 0.40

For Hotard Coaches Inc: SNRSraw = 3.3 → smoothed SNRS = 3.3. (Prior month's smoothed value is the EMA weight; the first month of data uses raw without smoothing.)

Cite this analysis

Four reference formats pre-filled for Hotard Coaches Inc (USDOT 156451). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Hotard Coaches Inc (USDOT 156451). Retrieved [date], from https://safeny.com/trucking-accidents/hotard-coaches-inc-usdot-156451
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Hotard Coaches Inc (USDOT 156451)." Accessed [date]. https://safeny.com/trucking-accidents/hotard-coaches-inc-usdot-156451.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Hotard Coaches Inc, FMCSA USDOT 156451, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/hotard-coaches-inc-usdot-156451.
BibTeX(expand)
@misc{safeny_hotard_156451_2026,
  title        = {Safety analysis for Hotard Coaches Inc},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/hotard-coaches-inc-usdot-156451}},
  note         = {USDOT 156451; derived from FMCSA public records}
}

Related carrier analyses

Other carriers in the same domicile state, with comparable fleet size and jurisdiction tier, or with the highest current AttorneyValue signal nationally. Each link surfaces the most decision-relevant attribute of that carrier's record.

Carrier response opportunity

If you are an authorized representative of HOTARD COACHES INC, you may submit a formal response to this analysis under SafeNY's Governance Protocol. Responses found to be factually grounded are published alongside this analysis.

Response form: /governance/respond
Email: intel@safeny.com

Contact: research@safeny.com — for corrections, press, or research inquiries.

SafeNY.com is an independent, privately-operated trucking safety data resource. Not affiliated with the State of New York or any government agency. Data sourced from US Department of Transportation (FMCSA) public records. Methodology.

Data source: FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash File + Inspection Records

Methodology · v6.5.g

Carrier snapshot · SHA 6d87358b…

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SafeNY uses cookieless analytics. We do not track individual users or sell data. Privacy Policy · Methodology

Frequently asked questions

Answers are generated from the FMCSA public record at the snapshot timestamp shown in the methodology footer. They mirror the structured-data FAQ block this page emits to search engines.

How many crashes has HOTARD COACHES INC been involved in?

FMCSA records show 12 reportable crashes involving HOTARD COACHES INC in the past 5 years and 8 injury crashes. These are state-reported crashes meeting the federal MCMIS reporting threshold (fatality, injury, or tow-away).

What is HOTARD COACHES INC's safety rating?

Their SafeNY Risk Score (SNRS) is 3.3 out of 10, placing them in the MODERATE band. SNRS is a composite of crash, negligence, mechanical, driver, and stability factors computed from public FMCSA records. This is a decision-support score, not a legal safety rating.

Where is HOTARD COACHES INC based?

HOTARD COACHES INC is registered with FMCSA under USDOT 156451 and is domiciled in NEW ORLEANS, LA. Domicile is the address on file with the Motor Carrier Census; operations may extend beyond this location.

How many trucks does HOTARD COACHES INC operate?

HOTARD COACHES INC reports operating 334 power units on its most recent MCS-150 filing (last updated 2026-02-25). Fleet sizes change between biennial filings; the active number may differ.

What insurance does HOTARD COACHES INC carry?

Their active BIPD liability limit on file with FMCSA is $5,000,000 with NATIONAL UNION FIRE INS. CO. OF PITSBGH. PA. SafeNY flags this carrier as potentially under-insured because the active liability limit is below 85% of our P90 fatal-verdict estimate.

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