DOT 2316468·LOS ALAMOS EXPRESS LLC·36 trucks
ANNUAL GHOST TAX
≈ $210,600-$351,000
Where your Ghost Tax comes from:
- SMS Record: Your FMCSA SMS record shows 4 BASICs over the FMCSA intervention threshold (HOS Compliance, Vehicle Maintenance, Controlled Substances/Alcohol, Driver Fitness).
- Amazon Relay: Requires $1M auto liability + $100K cargo coverage + 180-day active MC before onboarding.
- TQL: Requires $1M auto + $100K cargo.
Details
- C.H. Robinson: Requires $1M auto liability (tightened mid-2026; carriers at the $750K federal minimum receive no loads).
- Uber Freight: Requires $1M auto + $100K cargo and a Satisfactory-or-None FMCSA safety rating.
- J.B. Hunt: Requires $1M auto + $1M general liability + $100K cargo and a Satisfactory-or-Unrated safety rating.
- Coyote (RXO): Requires $1M auto + $1M general liability + $100K cargo.
- Regulation (49 CFR §387.9): For-hire property carriers (GVWR ≥10,001 lbs) must maintain $750,000 minimum.
- Vetting Systems: Highway and Carrier411 surface FMCSA BASIC flags to broker carrier-selection workflows.
- Risk Assessment: Carriers with this BASIC profile are typically flagged in automated carrier-vetting systems used by Tier 1 brokers.
- Data Source: This flag is driven by FMCSA-published SMS data — not a YieldShield determination.
- Broker Policy: Actual broker decisions depend on individual relationships and vetting policies.
What this means for you: brokers may flag or decline your loads until your BASIC scores improve.
Lower end reflects an entry-level surcharge. Upper end assumes worst-band pricing at renewal.
- SMS Record: Your record shows 4 BASICs over the FMCSA intervention threshold (HOS Compliance, Vehicle Maintenance, Controlled Substances/Alcohol, and Driver Fitness).
- Market Benchmarks: Foley Carrier Services (2026) publishes premium increases of 30–50%+ for above-threshold carriers, with some insurers auto-declining at this profile (Marquee Insurance Group and COGO Insurance corroborate the mechanism).
- Anchored to ATRI's 2024 industry-published premium baseline of $0.130/mile for the mid-tier (26–100 trucks) segment (ATRI 2025 Operational Costs of Trucking pp.42–43) × your annual VMT of 5,400,000 miles, this band corresponds to a projected range of approximately $210,600 to $351,000 in additional annual premium exposure on top of a roughly $702,000 baseline.
Details
- Reported annual VMT of 5,852,548 miles exceeds the 150,000-mile-per-truck plausibility bound for 36 trucks; the projection uses a capped 5,400,000 miles.
- Crash Correlation: This is consistent with FMCSA's 2014 CSMS Effectiveness Test: carriers with one or more BASICs prioritized for interventions show a 79% higher future crash rate than carriers with none prioritized — the actuarial basis insurers use for BASIC-tied premium surcharges.
- Your insurance volatility score is above the 40-point red-flag line, which underwriters typically treat as an additional pricing factor at renewal.
- Actual outcomes depend on your specific underwriter, claims history, fleet specifics, renewal cycle, and the BASIC categories in question.
What this means for you: expect higher premiums or added scrutiny at your next renewal.
On-file BIPD coverage: $750,000 · your FMCSA requirement: $750,000 · Tier-1 broker standard: $1,000,000
Your on-file coverage is below Tier-1 broker standard.
How we calculated this
ESTIMATED (public data)
- 1. Your fleet: 36 trucks → mid-tier (26–100 trucks)
- 2. Miles driven: 5,852,548 (capped to 5,400,000)
- 3. Industry insurance rate: $0.130/mi
- 4. Baseline premium: ~$702,000/yr
- 5. Your score's surcharge band: 30-50%
- 6. Result: $210,600-$351,000
Your BASICs were evaluated against FMCSA General 65/80/80 intervention thresholds (SMS Table 2-2).
Switch path: enter/clear your premium in Step 1.
Why this matters
- sets the federal BIPD floor for for-hire property carriers: require $1M+ auto liability coverage.
- Carriers with prioritized for interventions have 79% higher future crash rates ().
- sets per- intervention thresholds; screen against these flags.
Estimated figure, derived from current insurance rate benchmarks combined with your violation history, ISS score, and BASIC percentiles. The ISS score shown is our recreation of FMCSA’s published methodology, not FMCSA’s official number; the full algorithm is not public, and the official score may differ. Not a guarantee, actuarial determination, or legal advice. For informational use only; actual costs vary by carrier, insurer, and market conditions.