Pattern B · Coverage Gap

Vis Inc

AURORA, IL · USDOT 3,842,928 · 230 power units · large fleet

$23.9Mcoverage gap

P90 fatal verdict − BIPD limit · IL Tier A

SafeNY Risk Score

7.5

HIGH RISK

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FMCSA Motor Carrier Census + SMS + L&I + MCMIS Crash + Inspection Records, snapshot 2026-05-01 · Computed 2026-05-12 · Outdated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: $1M. Statistical P90 fatal verdict in carrier's domicile state: $24.9M. SafeNY Coverage Gap: approximately $23.9M.

$23.9M gap reflects filed BIPD of $1.0M against IL (Tier A) P90 fatal verdict estimate of $24.9M. 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)

Crash record · 5-year window

Total crashes

39

Fatal

1

Injury

16

Last incident: 3 months ago

1 fatal crash on record; 39 total crashes over 5 years.

Night-driving crash pattern

The SafeNY Night-Driving Pattern: of 39 documented crashes in the past 5 years, 23 occurred in dark conditions (no street lighting, partial lighting, or unknown roadway lighting). That's 59% of this carrier's crashes vs the FMCSA dataset baseline of 25.7%.

59.0% dark-condition share vs 25.7% national baseline. Statistically significant elevation (p<0.001). Pattern consistent with night-shift operations or potential Hours-of-Service scheduling concerns (49 CFR § 395).

Statistically elevated dark-condition crash concentration

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 · Stale

Insurance & coverage

Active policies

1

Primary insurer

Ms Transverse Specialty Insurance Company

Liability limit on file

$1M

BIPD limit of $1,000,000 filed — common general-freight tier above federal minimum.

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

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 9.6/10, 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 Vis 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 39 documented crashes in the past 5 years (1 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 0.326.

r^shrunk  =  10⋅0.272  +  3910  +  exposureM-PUD  =  0.326\hat{r}_{\text{shrunk}} \;=\; \frac{10 \cdot 0.272 \;+\; 39}{10 \;+\; \text{exposure}_{\text{M-PUD}}} \;=\; 0.326

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⁡(9.6,7.1,4.2)  +  0.30⋅median⁡(9.6,7.1,4.2,3.2)  +  0.10⋅1.0  =  7.5\quad\;=\; 0.60 \cdot \max(9.6, 7.1, 4.2) \;+\; 0.30 \cdot \operatorname{median}(9.6, 7.1, 4.2, 3.2) \;+\; 0.10 \cdot 1.0 \;=\; 7.5

C Crash 9.6 · N Negligence 7.1 · M Mechanical 4.2 · D Driver 3.2 · S Stability 1.0

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 Vis Inc: SNRSraw = 7.5 → smoothed SNRS = 7.5. (Prior month's smoothed value is the EMA weight; the first month of data uses raw without smoothing.)

Statistical settlement range

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

Cite this analysis

Four reference formats pre-filled for Vis Inc (USDOT 3842928). For format guidance and worked examples, see /cite.

APA 7th edition(expand)
SafeNY. (2026). Safety analysis for Vis Inc (USDOT 3842928). Retrieved [date], from https://safeny.com/trucking-accidents/vis-inc-usdot-3842928
Chicago (author-date)(expand)
SafeNY. 2026. "Safety analysis for Vis Inc (USDOT 3842928)." Accessed [date]. https://safeny.com/trucking-accidents/vis-inc-usdot-3842928.
Bluebook (legal briefs)(expand)
SafeNY Safety Profile, Vis Inc, FMCSA USDOT 3842928, SafeNY (last visited [date]), https://safeny.com/trucking-accidents/vis-inc-usdot-3842928.
BibTeX(expand)
@misc{safeny_vis_3842928_2026,
  title        = {Safety analysis for Vis Inc},
  author       = {{SafeNY}},
  year         = {2026},
  howpublished = {\url{https://safeny.com/trucking-accidents/vis-inc-usdot-3842928}},
  note         = {USDOT 3842928; derived from FMCSA public records}
}

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Similar profile (Tier A)

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Highest AttorneyValue across ~107k US carriers.

Carrier response opportunity

If you are an authorized representative of VIS 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: 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. Not legal advice. Methodology.

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

Methodology · v6.5.g

Carrier snapshot · SHA d42c2c79…

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