Pattern B · Coverage Gap

Safe-Way Bus Co

INVER GROVE HEIGHTS, MN · USDOT 813,377 · 51 power units · mid fleet

$9.6Mcoverage gap

P90 fatal verdict − BIPD limit · MN Tier B

SafeNY Risk Score

2.5

MODERATE

Primary risk factor: Negligence

Confidence ●●○○ (2 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FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash + Inspection Records, snapshot 2026-05-01 · Computed 2026-05-12 · Outdated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: $14.6M. SafeNY Coverage Gap: approximately $9.6M.

$9.6M gap; MN (Tier B) 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

1

Primary insurer

Pioneer Specialty Insurance Company

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Source: FMCSA L&I filings (BMC-91 / BMC-91X / MCS-90) · Computed 2026-05-14 · Outdated

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 N-factor (driver behavior — HOS + Unsafe Driving + Controlled Substances) at 3.6/10, 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 Safe-Way Bus Co'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 1 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  +  110  +  exposureM-PUD  =  0.301\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.304 \;+\; 1}{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⁡(2.5,3.6,0.0)  +  0.30⋅median⁡(2.5,3.6,0.0,0.0)  +  0.10⋅0.0  =  2.5\quad\;=\; 0.60 \cdot \max(2.5, 3.6, 0.0) \;+\; 0.30 \cdot \operatorname{median}(2.5, 3.6, 0.0, 0.0) \;+\; 0.10 \cdot 0.0 \;=\; 2.5

C Crash 2.5 · N Negligence 3.6 · M Mechanical 0.0 · 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 Safe-Way Bus Co: SNRSraw = 2.5 → smoothed SNRS = 2.5. (Prior month's smoothed value is the EMA weight; the first month of data uses raw without smoothing.)

Crash record · 5-year window

Total crashes

1

Fatal

0

Injury

0

Last incident: 1 year ago

1 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

Cite this analysis

Four reference formats pre-filled for Safe-Way Bus Co (USDOT 813377). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Safe-Way Bus Co (USDOT 813377). Retrieved [date], from https://safeny.com/trucking-accidents/safe-way-bus-co-usdot-813377
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Safe-Way Bus Co (USDOT 813377)." Accessed [date]. https://safeny.com/trucking-accidents/safe-way-bus-co-usdot-813377.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Safe-Way Bus Co, FMCSA USDOT 813377, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/safe-way-bus-co-usdot-813377.
BibTeX(expand)
@misc{safeny_safe_813377_2026,
  title        = {Safety analysis for Safe-Way Bus Co},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/safe-way-bus-co-usdot-813377}},
  note         = {USDOT 813377; 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 SAFE-WAY BUS CO, 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

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