Pattern B · Coverage Gap

Ozark Trucking Inc

MCCLELLAN, CA · USDOT 351,320 · 47 power units · mid fleet

$11.2Mcoverage gap

P90 fatal verdict − BIPD limit · CA Tier A

SafeNY Risk Score

4.0

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FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash + Inspection Records, snapshot 2026-05-01 · Computed 2026-05-12 · Outdated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: $2M. Statistical P90 fatal verdict in carrier's domicile state: $13.2M. SafeNY Coverage Gap: approximately $11.2M.

$11.2M gap reflects filed BIPD of $2.0M against CA (Tier A) P90 fatal verdict estimate of $13.2M. Multi-defendant strategy mathematically necessary at this margin — single-carrier recovery caps below estimated damages.

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

1

Primary insurer

Zurich American Insurance Company

Liability limit on file

$2M

BIPD limit of $2.0M filed.

Source: FMCSA L&I filings (BMC-91 / BMC-91X / MCS-90) · Computed 2026-05-14 · Outdated

Crash record · 5-year window

Total crashes

3

Fatal

0

Injury

2

Last incident: 7 months ago

3 crashes over 5 years, no fatal records.

Night-driving crash pattern

Night-driving analysis: insufficient crash sample (N < 5).

Pattern detection requires at least 5 documented crashes in the past 5-year window.

Source: FMCSA MCMIS Crash File · Computed 2026-05-14 · Outdated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 5.8/10, below the mid-cohort median of 4.5.

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

The five factors below come from Ozark Trucking 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 3 documented crashes in the past 5 years (0 fatal). The cohort prior (mean fatal rate for similar-sized fleets) is 0.304 events per million power-unit-days; after Bayesian shrinkage with prior strength w₀ = 10, this carrier's adjusted rate is 0.301.

r^shrunk  =  10⋅0.304  +  310  +  exposureM-PUD  =  0.301\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.304 \;+\; 3}{10 \;+\; \text{exposure}_{\text{M-PUD}}} \;=\; 0.301

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⁡(5.8,1.3,1.2)  +  0.30⋅median⁡(5.8,1.3,1.2,2.0)  +  0.10⋅0.0  =  4.0\quad\;=\; 0.60 \cdot \max(5.8, 1.3, 1.2) \;+\; 0.30 \cdot \operatorname{median}(5.8, 1.3, 1.2, 2.0) \;+\; 0.10 \cdot 0.0 \;=\; 4.0

C Crash 5.8 · N Negligence 1.3 · M Mechanical 1.2 · D Driver 2.0 · 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 Ozark Trucking Inc: SNRSraw = 4.0 → smoothed SNRS = 4.0. (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 Ozark Trucking Inc (USDOT 351320). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Ozark Trucking Inc (USDOT 351320). Retrieved [date], from https://safeny.com/trucking-accidents/ozark-trucking-inc-usdot-351320
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Ozark Trucking Inc (USDOT 351320)." Accessed [date]. https://safeny.com/trucking-accidents/ozark-trucking-inc-usdot-351320.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Ozark Trucking Inc, FMCSA USDOT 351320, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/ozark-trucking-inc-usdot-351320.
BibTeX(expand)
@misc{safeny_ozark_351320_2026,
  title        = {Safety analysis for Ozark Trucking Inc},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/ozark-trucking-inc-usdot-351320}},
  note         = {USDOT 351320; 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 OZARK TRUCKING 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 080902eb…

safeny.com — domain active since 2011 · Independent analytical platform

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 OZARK TRUCKING INC been involved in?

FMCSA records show 3 reportable crashes involving OZARK TRUCKING INC in the past 5 years and 2 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 is OZARK TRUCKING INC's safety rating?

Their SafeNY Risk Score (SNRS) is 4.0 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. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

Where is OZARK TRUCKING INC based?

OZARK TRUCKING INC is registered with FMCSA under USDOT 351320 and is domiciled in MCCLELLAN, CA. Domicile is the address on file with the Motor Carrier Census; operations may extend beyond this location. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

How many trucks does OZARK TRUCKING INC operate?

OZARK TRUCKING INC reports operating 47 power units on its most recent MCS-150 filing (last updated 2025-08-29). Fleet sizes change between biennial filings; the active number may differ. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

What insurance does OZARK TRUCKING INC carry?

Their active BIPD liability limit on file with FMCSA is $2,000,000 with ZURICH AMERICAN INSURANCE COMPANY. SafeNY flags this carrier as potentially under-insured because the active liability limit is below 85% of our P90 fatal-verdict estimate. Source: FMCSA MCMIS public records as of 2026-05-14T06:38:52.81144+00:00. Statistical analysis, not legal advice.

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