Pattern B · Coverage Gap

Speed Trucking Inc

d/b/a Speed Trucking

SACRAMENTO, CA · USDOT 4,209,165 · 8 power units · small fleet

$23.9Mcoverage gap

P90 fatal verdict − BIPD limit · CA Tier A

SafeNY Risk Score

7.4

ELEVATED

Primary risk factor: Crash

Confidence ●●●○ (3 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FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash + Inspection Records, snapshot 2026-05-01 · Computed 2026-05-12 · Outdated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: $750K. Statistical P90 fatal verdict in carrier's domicile state: $24.6M. SafeNY Coverage Gap: approximately $23.9M.

$23.9M gap reflects filed BIPD of $0.8M against CA (Tier A) P90 fatal verdict estimate of $24.6M. 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

Universal Casualty Risk Retention Group, Inc

Liability limit on file

$750K

Federal minimum BIPD ($750,000) filed — general-freight baseline under 49 CFR § 387.7.

Source: FMCSA L&I filings (BMC-91 / BMC-91X / MCS-90) · Computed 2026-05-14 · Outdated

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 9.1/10, above the small-cohort median of 4.2.

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

The five factors below come from Speed 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 1 documented crashes in the past 5 years (0 fatal). The cohort prior (mean fatal rate for similar-sized fleets) is 0.317 events per million power-unit-days; after Bayesian shrinkage with prior strength w₀ = 10, this carrier's adjusted rate is 0.317.

r^shrunk  =  10⋅0.317  +  110  +  exposureM-PUD  =  0.317\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.317 \;+\; 1}{10 \;+\; \text{exposure}_{\text{M-PUD}}} \;=\; 0.317

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⁡(9.1,7.0,3.1)  +  0.30⋅median⁡(9.1,7.0,3.1,0.3)  +  0.10⋅3.5  =  7.4\quad\;=\; 0.60 \cdot \max(9.1, 7.0, 3.1) \;+\; 0.30 \cdot \operatorname{median}(9.1, 7.0, 3.1, 0.3) \;+\; 0.10 \cdot 3.5 \;=\; 7.4

C Crash 9.1 · N Negligence 7.0 · M Mechanical 3.1 · D Driver 0.3 · S Stability 3.5

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 Speed Trucking Inc: SNRSraw = 7.4 → smoothed SNRS = 7.4. (Prior month's smoothed value is the EMA weight; the first month of data uses raw without smoothing.)

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.

Crash record · 5-year window

Total crashes

1

Fatal

0

Injury

1

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 Speed Trucking Inc (USDOT 4209165). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Speed Trucking Inc (USDOT 4209165). Retrieved [date], from https://safeny.com/trucking-accidents/speed-trucking-inc-usdot-4209165
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Speed Trucking Inc (USDOT 4209165)." Accessed [date]. https://safeny.com/trucking-accidents/speed-trucking-inc-usdot-4209165.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Speed Trucking Inc, FMCSA USDOT 4209165, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/speed-trucking-inc-usdot-4209165.
BibTeX(expand)
@misc{safeny_speed_4209165_2026,
  title        = {Safety analysis for Speed Trucking Inc},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/speed-trucking-inc-usdot-4209165}},
  note         = {USDOT 4209165; 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 SPEED 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 c0939efd…

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 SPEED TRUCKING INC been involved in?

FMCSA records show 1 reportable crash involving SPEED TRUCKING INC in the past 5 years and 1 injury crash. 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 SPEED TRUCKING INC's safety rating?

Their SafeNY Risk Score (SNRS) is 7.4 out of 10, placing them in the ELEVATED 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 SPEED TRUCKING INC based?

SPEED TRUCKING INC is registered with FMCSA under USDOT 4209165 and is domiciled in SACRAMENTO, 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 SPEED TRUCKING INC operate?

SPEED TRUCKING INC reports operating 8 power units on its most recent MCS-150 filing (last updated 2026-01-13). 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 SPEED TRUCKING INC carry?

Their active BIPD liability limit on file with FMCSA is $750,000 with UNIVERSAL CASUALTY RISK RETENTION GROUP, INC. 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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