SafeNY

Recent fatal crash pattern + No active insurance filing

Lowe'S Home Centers LLC

d/b/a Lowe'S

MOORESVILLE, NC · USDOT 97,235 · 1,507 power units (trucks) · large fleet

Lowe'S Home Centers LLC is a large-fleet interstate motor carrier with USDOT 97,235, headquartered in Mooresville, NC. SafeNY's analysis of FMCSA federal records shows 1 recent fatal crash and BIPD coverage filed below the state-tier statistical reference range as of May 14, 2026.

Recent Fatal Crash

NORTH CAROLINA · WITHIN LAST 6 MONTHS · FMCSA MCMIS CRASH FILE

NO ACTIVE FILING

49 CFR § 387 · No BIPD policy on file with FMCSA L&I

Possible causes (not assessed):

  1. Operating without required interstate coverage.
  2. Policy lapsed; renewal not yet filed.
  3. Intrastate-only operation (federal filing not required).
  4. Filing pending refresh in next L&I sync.

SafeNY Risk Score

7.0

ELEVATED

Primary risk factor: Crash

Confidence ●●○○ (2 of 4 data sources verified — FMCSA Census, SMS BASIC, L&I filings, MCMIS Crash File)

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

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 make your case profile available to independent advertising law firms operating in your jurisdiction. SafeNY is an independent legal advertising network and does not select or recommend attorneys.

Evidence Density Diagnostic

EDS TIER: B

Baseline Evidence Density. Operational footprint and historical FMCSA filing patterns yield standard reference scores. Evaluated rank #695. Cohort analytics input only.

• COHORT EDS SCORE: 21.539
• NATIONAL RANK: #695

SafeNY Underinsured Flag (statistical signal)

Insurance posture flagged below statistical reference range.

Policy limit on file: —. This carrier's filed BIPD coverage is below the statistical reference range for its domicile state-tier. The flag is a categorical statistical signal derived from SNRS factor decomposition (see /methodology#snrs); it is not a verdict prediction or a recovery recommendation.

Source: FMCSA L&I filings + SNRS state-tier classification

Insurance & coverage

No federal Bodily Injury & Property Damage (BIPD) filing exists on record for this carrier.

49 CFR § 387 requires interstate motor carriers to maintain active BIPD coverage. The absence of a filing in the FMCSA L&I database may indicate:

  • Operation without required federal insurance coverage
  • Policy lapsed and not yet renewed
  • Carrier operates intrastate only (federal filing not required)
  • Filing is recent and pending database refresh

For attorney case evaluation: verifying current coverage status directly through FMCSA's L&I lookup is recommended before proceeding.

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

Crash record · 5-year window

Total crashes

59

Fatal

2

Injury

24

Last incident: 4 months ago

2 fatal crashes on record; 59 total crashes over 5 years (FMCSA MCMIS Crash File).

Night-driving crash pattern

The SafeNY Night-Driving Pattern: of 59 documented crashes in the past 5 years, 1 occurred in dark conditions (no street lighting, partial lighting, or unknown roadway lighting). That's 1.7% of this carrier's crashes vs the FMCSA dataset baseline of 25.7%.

1.7% dark-condition share; statistically distinct from 25.7% baseline (p<0.001) but margin below the actionable threshold.

Method: One-sample binomial test against 25.7% baseline (FMCSA SMS Crash File 2026-04 Snapshot, n≈259k national records). p < 0.001. 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 · Awaiting refresh

Risk decomposition

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

Driven primarily by crash rate at 9.3/10, above 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 Lowe'S Home Centers LLC'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 59 documented crashes in the past 5 years (2 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 0.320.

r^shrunk  =  10⋅0.272  +  5910  +  exposureM-PUD  =  0.320\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.272 \;+\; 59}{10 \;+\; \text{exposure}_{\text{M-PUD}}} \;=\; 0.320

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⁡(9.3,5.8,3.8)  +  0.30⋅median⁡(9.3,5.8,3.8,2.6)  +  0.10⋅0.0  =  7.0\quad\;=\; 0.60 \cdot \max(9.3, 5.8, 3.8) \;+\; 0.30 \cdot \operatorname{median}(9.3, 5.8, 3.8, 2.6) \;+\; 0.10 \cdot 0.0 \;=\; 7.0

C Crash 9.3 · N Negligence 5.8 · M Mechanical 3.8 · D Driver 2.6 · 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 Lowe'S Home Centers LLC: SNRSraw = 7.0 → smoothed SNRS = 7.0. (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 Lowe'S Home Centers LLC (USDOT 97235). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Lowe'S Home Centers LLC (USDOT 97235). Retrieved [date], from https://safeny.com/trucking-accidents/lowes-home-centers-llc-usdot-97235
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Lowe'S Home Centers LLC (USDOT 97235)." Accessed [date]. https://safeny.com/trucking-accidents/lowes-home-centers-llc-usdot-97235.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Lowe'S Home Centers LLC, FMCSA USDOT 97235, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/lowes-home-centers-llc-usdot-97235.
BibTeX(expand)
@misc{safeny_lowe_97235_2026,
  title        = {Safety analysis for Lowe'S Home Centers LLC},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/lowes-home-centers-llc-usdot-97235}},
  note         = {USDOT 97235; derived from FMCSA public records}
}

Related carrier analyses

Three perspectives on this carrier's wider context: state-level peers, carriers with a comparable fleet size and jurisdiction tier, and the highest Evidence Density Score (EDS) cohort nationally. Each link surfaces the most decision-relevant attribute of that carrier's record.

Carrier response opportunity

If you are an authorized representative of LOWE'S HOME CENTERS LLC, 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: governance@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 c3a8bc83…

safeny.com domain (registered 2011) · SafeNY analytical platform (2026–)

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.

What does LOWE'S HOME CENTERS LLC's safety record mean if I was in an accident with one of their trucks?

Lowe'S Home Centers LLC (USDOT 97235) has a SafeNY Risk Score (SNRS) of 7.0 of 10 in the ELEVATED band and 59 reportable crashes in the past 5 years, including 2 fatal; if you were in an accident involving one of its trucks, the page above summarizes the carrier-side record an attorney would review during case evaluation, alongside the federal insurance posture. The SNRS is a statistical decision-support score across crash, negligence, mechanical, driver, and stability factors; it does not predict liability in any specific incident, and an attorney's investigation will rely on the underlying federal records and the facts of your case. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

How does LOWE'S HOME CENTERS LLC's safety profile compare to the industry baseline?

Lowe'S Home Centers LLC (USDOT 97235) has a SafeNY Risk Score (SNRS) of 7.0 of 10 — above the large-fleet cohort median of 4.8. Higher score = a worse safety profile relative to the cohort median; it is a composite of crash rate, negligence indicators, mechanical condition, driver qualifications, and operational stability. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

How many crashes has LOWE'S HOME CENTERS LLC been involved in?

Lowe'S Home Centers LLC (USDOT 97235) has 59 reportable crashes on FMCSA records in the past 5 years, including 2 fatal crashes and 24 injury crashes. These are state-reported crashes meeting the federal MCMIS reporting threshold (fatality, injury, or tow-away). Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

What insurance coverage does LOWE'S HOME CENTERS LLC carry?

Lowe'S Home Centers LLC (USDOT 97235) has no active L&I (Licensing & Insurance) filing on record in the FMCSA bulk feed. Federal-minimum interstate BIPD coverage is $750,000; intrastate-only carriers may carry state-specific minimums and are not required to file with FMCSA. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

When was this analysis last updated?

SafeNY's analysis of Lowe'S Home Centers LLC (USDOT 97235) was last refreshed 2026-05-14. Underlying FMCSA SMS BASIC scores were snapshot 2026-05-01. Methodology version: v6.5.g. SafeNY ingests FMCSA bulk feeds on a monthly cadence, so the underlying federal records may have moved since the snapshot; the freshness label on the data-source footer shows the current age. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.