CSA
Authorized · PropertyUSDOT 213318· MC160899· CARRIER· EIN 93-3236604
⬇ PDF report

SMF INC

500 TERNES DRIVE, MONROE, MI, 48162(734) 454-4090boris@smfnet.comBORIS IOVANOVICI
Vetting snapshot
Authority
Active
operating authority
Insurance
$1M BIPD
Cherokee Insurance Company
Vehicle OOS
22.2%
above 22% national avg
Driver OOS
0%
below 6.7% national avg
Crashes 24mo
0
clean
Red flags
None
nothing flagged
100
/ 100

Risk factors

Low riskVioCodes score
No red flags in the public FMCSA record

A weighted read of the public FMCSA signals below — authority, insurance, out-of-service, crashes, roadside OOS rates, and carrier connections. A starting point for vetting, not a guarantee.

Broker payment signals

Bond, cancellation & authority risk for this broker — from free FMCSA records.

Proceed with checks
Broker bond
Bond on file
BMC-84 surety · Cherokee Insurance Company
Cancellation filed
None
bond since 09/15/2024
Authority
Active
7 past revocations
Registered
44 yrs
since 05/28/1982
  • Authority revoked 7 times historically (reinstated) — a pattern worth noting.
  • Bond has changed hands 9 times across 5 sureties — churn can signal payment or coverage trouble.

These are FMCSA bond & authority signals — not a credit report. A filed bond cancellation is the biggest early warning that a broker may stop paying, but days-to-pay and slow-pay history aren’t public FMCSA data — verify those with a broker-credit service or references before extending terms.

Authority & insurance

MC160899

Operating authority and insurance on file — from FMCSA Licensing & Insurance (L&I).

Common
Active
Contract
Active
Broker
Active
Authorized for: Property
Liability (BIPD)
$1M on file
$750K required
Cargo
Not on file
not required
Bond / surety
On file
required
Insurance filings
ON FILELiability (BIPD) — BMC-91X$1M coverageeff 09/15/2026
Cherokee Insurance Company· policy CA260166
ENDED 09/15/2026Liability (BIPD) — BMC-91X$1M coverageeff 09/15/2025
Cherokee Insurance Company· policy CA250162
ON FILEProperty broker surety — BMC-84$75K coverageeff 09/15/2024
Cherokee Insurance Company· policy SB240049
ENDED 09/15/2024Property broker surety — BMC-84$75K coverageeff 09/15/2024
Cherokee Insurance Company· policy SB240049
Authority history (13) ▾
04/29/2021BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/08/2021)
04/29/2021COMMONINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/08/2021)
04/29/2021CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/08/2021)
11/08/2005COMMONINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (11/15/2005)
11/08/2005CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (11/15/2005)
11/08/2005BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (11/15/2005)
02/27/2004BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (03/30/2004)
04/10/1995PROPERTY BROKERGRANTED
12/03/1993MOTOR PROPERTY CONTRACT CARRIERDISMISSED
12/03/1993MOTOR PROPERTY COMMON CARRIERDISMISSED
08/04/1988MOTOR PROPERTY CONTRACT CARRIERGRANTED
01/13/1984MOTOR PROPERTY COMMON CARRIERGRANTED
12/13/1982MOTOR PROPERTY COMMON CARRIERGRANTED
Insurance history15 insurers on record
Filing timeline (29) ▾
  1. CHEROKEE INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 09/15/2024 → 09/15/2025
  2. CHEROKEE INSURANCE COMPANY$750KCancelled
    SURETY · eff 09/15/2024 → 11/15/2024
  3. CHEROKEE INSURANCE COMPANY$750KReplaced
    SURETY · eff 09/15/2024 → 09/15/2024
  4. CHEROKEE INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 09/15/2023 → 09/15/2024
  5. CHEROKEE INSURANCE COMPANY$750KReplaced
    SURETY · eff 09/15/2023 → 09/15/2024
  6. NORTHLAND INSURANCE COMPANY$750KReplaced
    BIPD/Primary · eff 08/31/2023 → 09/15/2023
  7. LEXON INSURANCE COMPANY$750KReplaced
    SURETY · eff 10/01/2013 → 09/15/2023
  8. NORTHLAND INSURANCE COMPANY$750KCancelled
    BIPD/Primary · eff 12/01/2022 → 08/31/2023
  9. BERKLEY CASUALTY COMPANY$750KReplaced
    BIPD/Primary · eff 12/01/2021 → 12/01/2022
  10. NORTHLAND INSURANCE COMPANY$750KCancelled
    BIPD/Primary · eff 12/01/2013 → 01/04/2022
  11. NORTHLAND INSURANCE COMPANY$750KReplaced
    BIPD/Primary · eff 12/01/2013 → 12/01/2021
  12. TRAVELERS PROPERTY CASUALTY CO. OF AMERICA$750KCancelled
    CARGO · eff 12/01/2010 → 11/27/2019
  13. HARCO NATIONAL INSURANCE CO.$750KCancelled
    BIPD/Primary · eff 12/01/2006 → 01/01/2014
  14. HARCO NATIONAL INSURANCE CO.$750KReplaced
    BIPD/Primary · eff 12/01/2006 → 12/01/2013
  15. WESTERN SURETY CO.$750KReplaced
    SURETY · eff 03/23/2004 → 10/01/2013

Source: FMCSA Licensing & Insurance (L&I), public data. This shows the carrier’s federal insurance filings (BMC-91X liability, BMC-34 cargo) — the federally-required minimums on file for operating authority — not the carrier’s full commercial policy (its actual auto combined-single-limit, general liability, cargo, or workers’ comp, which appear on the carrier’s ACORD certificate of insurance). Always confirm current coverage with a COI from the carrier’s agent before making a vetting decision.

Roadside inspection performance

Out-of-service rate vs national average. Lower is better.

Vehicle18 inspections · 22.2% OOS · National 22%
Driver31 inspections · 0% OOS · National 6.7%

CSA performance breakdown

FMCSA · Sep 2026

31 inspections · 27 violations (4 OOS) · 10% of inspections had an OOS finding.

31
Inspections
27
Violations
4
OOS violations
10
Distinct codes

Violations by BASIC

click to filter codes

15
total

Most inspected in · top 8 states

  • MI8
  • OH5
  • IN5
  • TX4
  • KY2
  • AR1
  • CA1
  • NM1

Latest FMCSA SMS snapshot. Codes link to the lookup — severity weighting, contest angles, and the DataQs Drafter for each. Click a BASIC to filter the codes.

Recommendations

What’s driving each score, what to do about it, and where it could go.

Speeding violations are the leading contributor to Unsafe Driving

Low impact

Estimated Unsafe Driving percentile of 33% is under the 65% line. In decent shape, but here's what's driving it.

What’s contributing5 violations (24 mo)
Speeding3 viol75%
  • 392.2-SLLS4State/Local Laws - Speeding 15 or more miles per hour over the speed limit1× · 39%
  • 392.2-SLLS3State/Local Laws - Speeding 11-14 miles per hour over the speed limit2× · 36%
Phone / texting1 viol13%
  • 392.82DUMTDriver - Using a hand-held mobile telephone1× · 13%
Following / lane / reckless1 viol12%
  • 392.2-SLLLRState/Local Laws - Lane restriction violation1× · 12%
What to do
  • Coach the drivers with speeding violations directly — Unsafe Driving points are weighted heavily
  • Set and enforce a governed road speed; review telematics/dashcam speed events weekly
Projected estimatecould improve up to 22 pts in ~12 mo
nowin 12 months
Current trend 50% followed 100% followed 65% line

Following / lane / reckless violations are the leading contributor to Hours-of-Service Compliance

Low impact

Estimated Hours-of-Service Compliance percentile of 52% is under the 65% line. In decent shape, but here's what's driving it.

What’s contributing2 violations (24 mo)
Following / lane / reckless1 viol75%
  • 395.3A1-HOSPDHOS (Property) - Driving more than 11 hours following 10 consecutive hours off duty during the current 8 consecutive day period. Date and Time1× · 75%
False log / RODS1 viol25%
  • 395.8E-HOSPDHOS (Property) - No driver may make a false report in connection with a duty status. Explain1× · 25%
What to do
  • Defensive-driving refresher on following distance and lane discipline
Projected estimatecould improve up to 24 pts in ~12 mo
nowin 12 months
Current trend 50% followed 100% followed 65% line

Driver Fitness needs attention

Low impact

Estimated Driver Fitness percentile of 0% is under the 80% line. In decent shape, but here's what's driving it.

What to do
  • Review recent inspections with violations in this BASIC and take remedial action with drivers/equipment

Controlled Substances/Alcohol needs attention

Low impact

Estimated Controlled Substances/Alcohol percentile of 0% is under the 80% line. In decent shape, but here's what's driving it.

What to do
  • Review recent inspections with violations in this BASIC and take remedial action with drivers/equipment

Tires violations are the leading contributor to Vehicle Maintenance

Low impact

Estimated Vehicle Maintenance percentile of 43% is under the 80% line. In decent shape, but here's what's driving it.

What’s contributing9 violations · 4 OOS (24 mo)
Tires4 OOS4 viol51%
  • 393.75A3-TAOLTires - All others, leaking or inflation less than 50% of the maximum inflation pressure on tire not equipped with ATIS4× · 51%
Lighting / lamps5 viol49%
  • 393.9A-HLLHLighting - Headlamp(s) fail to operate on low and high beam1× · 23%
  • 393.9HInoperable head lamps1× · 8%
  • 393.9TSInoperative turn signal1× · 8%
What to do
  • Gauge and thump every tire on the walk-around, including inner duals
  • Replace before tread hits the limit; correct low pressure immediately
  • Prioritize the out-of-service items — they carry the heaviest weight
Projected estimatecould improve up to 30 pts in ~12 mo
nowin 12 months
Current trend 50% followed 100% followed 80% line

Recommendations are generated from the carrier’s public FMCSA roadside-inspection record. Percentiles and projections are VioCodes estimates, not official FMCSA figures. Informational, not legal advice.

90-day safety improvement plan

What this carrier has struggled with most in the last 90 days — where to focus now.

▲ Trending worse
8
Inspections
6
Violations
0
Out-of-service
4
Clean
Where the violations are
Unsafe Driving 33%Other 33%Hours-of-Service Compliance 17%Vehicle Maintenance 17%
Focus here first
1Unsafe Driving
2 violations · 33% of recent
  • 392.2-SLLS4State/Local Laws - Speeding 15 or more miles per hour over the speed limit
  • 392.2-SLLS3State/Local Laws - Speeding 11-14 miles per hour over the speed limit
Do this
  • Coach speed and following distance — Unsafe Driving points are weighted heavily
  • Hands off the phone; always belt up
2Other
2 violations · 33% of recent
  • 393.60DWindshield / Windows - Tinting permits less than 70% of light transmittance
  • 392.2-SLLTLState/Local Laws - Misc. traffic law violation
Do this
  • Walk the lights every pre-trip and carry spare bulbs/fuses
  • Clean lenses and check the trailer plug for corrosion
3Hours-of-Service Compliance
1 violation · 17% of recent
  • 395.3A1-HOSPDHOS (Property) - Driving more than 11 hours following 10 consecutive hours off duty during the current 8 consecutive day period. Date and Time
Do this
  • Log in and annotate the ELD correctly every day; fix edits promptly
  • Plan trips around available hours — never falsify a log
🎓
Turn these into driver coaching — and prove it
FleetTrained (my companion project) makes branded, multilingual training videos for these exact violations — your driver watches and gets a completion certificate for the file.

Based on roadside inspections in the last 90 days, ranked by what recurs most. Informational, not legal advice.

Inspection & crash map

live · FMCSA MCMIS

Every inspection and crash on record — hover a point for the summary, click for full detail (codes, severity, CSA points).

45
Inspections
59
Violations
11
Out-of-service
183
CSA points
67
Crashes
14
States
cleanviolOOS

CSA points = violation severity weight × FMCSA time weight (3× in the last 6 months, 2× at 6–12, 1× at 12–24). Points are spread within each state — FMCSA records the inspection state, not an exact location. Source: FMCSA MCMIS.

Equipment

VINs via NHTSA

52 distinct vehicles seen in this carrier’s roadside inspections.

32 trailer 20 truck
2023 FREIGHTLINER Cascadiaseen 6×
3AKJHHDR3PSUC9932· RC32517 MI
2003 VOLVO TRUCK VNLseen 5×
4V4NC9JH33N338302· RC27625 MI
2024 WESTERN STAR 57X Chassisseen 5×
5KJJBZDR4RLVB0793· RC34435 MI
2022 STOUGHTON TRAILERS Stoughton Trailersseen 4×
1DW1A5320NBA61031· 5294284 ME
2024 WESTERN STAR 57X Chassisseen 4×
5KJJBZDR0RLVB0791· RC34436 MI
2017 FREIGHTLINER Cascadiaseen 4×
3AKJGLDR8HSJH3083· RB87007 MI
2012 VOLVO TRUCK VNLseen 3×
4V4NC9EJ2CN545356· RC20072 MI
2016 WABASH VANS Dry Van Duraplateseen 3×
1JJV532D5GL946345· 245514D ME
2024 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailersseen 3×
3H3V532K7RJ475408· 5336829 ME
2015 STOUGHTON TRAILERS Stoughton Trailersseen 2×
1DW1A5328FB539503· 5294267 ME
2006 KENWORTH T2 Seriesseen 2×
1XKTDV9X36J126097· RB79001 MI
2024 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailersseen 2×
3H3V532K6RJ475402· 5336823 ME
2024 WESTERN STAR 57X Chassisseen 2×
5KJJBZDR2RLVB0792· RC34454 MI
2017 VOLVO TRUCK VNLseen 2×
4V4NC9EJ1HN967027· RC33089 MI
2014 STOUGHTON TRAILERS Stoughton Trailersseen 2×
1DW1A5321ES507202· 5294274 ME
2017 STOUGHTON TRAILERS Stoughton Trailersseen 2×
1DW1A5324HB706409· 5294291 ME
1994 WHITEGMC WIAseen 2×
4V1WDBJF0RN673742· RC09329 MI
2000 KENWORTH T2000
1XKTD69X9YJ822763· RB90426 MI
2017 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5320HB706410· E849301 MI
2015 VOLVO TRUCK VNL
4V4NC9EJ9FN918722· RB21256 MI
2024 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532K9RJ475412· 5336833 ME
2014 FREIGHTLINER Cascadia
3AKJGLD5XESFX5560· RB88237 MI
2011 STOUGHTON TRAILERS Stoughton Trailers
1DW1A532XBH706401· 5294264 ME
2017 VOLVO TRUCK VNL
4V4NC9EJ9HN967017· RC33088 MI
2017 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5327HB706405· 5294260 ME
2017 STOUGHTON TRAILERS Stoughton Trailers
1DW1A532XHB706401· 5294264 ME
2011 FREIGHTLINER Cascadia
1FUJGLDR9BSAT0269· RB89624 MI
2017 VOLVO TRUCK VNL
4V4NC9EJ4HN967023· RC34105 MI
2022 STOUGHTON TRAILERS Stoughton Trailers
1DW1A532XNBA61036· 524279 ME
2022 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5322NBA61032· 5294283 ME

+ 22 more.

Equipment is inferred from VINs recorded on roadside inspections (FMCSA MCMIS), decoded via the NHTSA vPIC API — it reflects vehicles inspected, not a current fleet roster.

Company profile

FMCSA census

AUTHORIZED FOR HIRE

Power units
27
on file (MCS-150)
Drivers
38
0 hold a CDL
Annual mileage
1M mi
reported 2025
Recordable crash rate
—
per million miles
How far they run · drivers by operating lane
  • Interstate · 100+ mi38 drivers
Company officer
BORIS IOVANOVICI
Operation
Interstate
D-U-N-S
38607172
Registered since
1982-05-28
Last MCS-150 update
2026-07-14
Census status
Active

Fleet: 27 trucks · 15 owned tractors · 53 owned trailers · 12 leased/term tractors.

Source: FMCSA Company Census File (data.transportation.gov). Fleet and driver counts are self-reported on the carrier’s most recent MCS-150 filing.

Data change history

Every FMCSA record change we’ve detected — address, fleet size, contacts, MCS-150 — newest first.

Connections

carrier graph

This carrier shares VINs, phone numbers or officers with 4 other carriers — review the connections below as part of your vetting.

4
Connected carriers
3
Fleet-transfer links
15
Most shared VINs
2
Strong links
Strong· 2
1
VIP LOGISTICS LLC
USDOT 1508253Active· IRA TOWNSHIP, MI
Strong
Shared VIN · 15
3H3V532K7PJ1091233H3V532K3PJ1091213H3V532K4RJ4754011JJV532D5NL3521731JJV532D1NL2510031DW1A5327HB706405
2
VIP XPRESS LLC
USDOT 1444536Active· CHESTERFIELD, MI
Strong
OfficerShared VIN · 2
4V4NC9EJ9FN9187191JJV532D1NL251003
Medium· 1
HORIZON EXPRESS LLC
USDOT 2347758Active· CANTON, MI
Medium
Shared VIN · 2
3AKJGLD5XESFX55601XKTDV9X36J126097

Shared VINs come from FMCSA roadside-inspection records — a vehicle inspected under more than one carrier, often a fleet transfer or trailer interchange. Other links come from the FMCSA census. Shared identifiers are common and often legitimate — treat these as leads to investigate, not proof of wrongdoing.

Activity history

47 events
  1. 09/15/2026Insurance filed — Cherokee Insurance Company

    Liability (BIPD) — BMC-91X · policy CA260166

  2. 09/15/2026Insurance ended — Cherokee Insurance Company

    policy CA250162

  3. 07/14/2026MCS-150 update filed

    1.0M mi reported (2025)

  4. 09/15/2025Insurance filed — Cherokee Insurance Company

    Liability (BIPD) — BMC-91X · policy CA250162

  5. 09/15/2025Insurance replaced — CHEROKEE INSURANCE COMPANY

    BIPD/Primary · policy CA240156

  6. 11/15/2024Insurance cancelled — CHEROKEE INSURANCE COMPANY

    SURETY · policy SB240046

  7. 09/15/2024Insurance filed — Cherokee Insurance Company

    Property broker surety — BMC-84 · policy SB240049

  8. 09/15/2024Insurance ended — Cherokee Insurance Company

    policy SB240049

  9. 09/15/2024Insurance replaced — CHEROKEE INSURANCE COMPANY

    SURETY · policy SB240046

  10. 09/15/2023Insurance replaced — NORTHLAND INSURANCE COMPANY

    BIPD/Primary · policy WF002311

  11. 09/15/2023Insurance replaced — LEXON INSURANCE COMPANY

    SURETY · policy 1090984

  12. 08/31/2023Insurance cancelled — NORTHLAND INSURANCE COMPANY

    BIPD/Primary · policy WF002311

  13. 12/01/2022Insurance replaced — BERKLEY CASUALTY COMPANY

    BIPD/Primary · policy 6509052

  14. 01/04/2022Insurance cancelled — NORTHLAND INSURANCE COMPANY

    BIPD/Primary · policy TF658565

  15. 12/01/2021Insurance replaced — NORTHLAND INSURANCE COMPANY

    BIPD/Primary · policy TF658565

  16. 04/29/2021BROKER — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (06/08/2021)

  17. 04/29/2021COMMON — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (06/08/2021)

  18. 04/29/2021CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (06/08/2021)

  19. 11/27/2019Insurance cancelled — TRAVELERS PROPERTY CASUALTY CO. OF AMERICA

    CARGO · policy QT-660-2811N469

  20. 01/01/2014Insurance cancelled — HARCO NATIONAL INSURANCE CO.

    BIPD/Primary · policy TPU3035348

  21. 12/01/2013Insurance replaced — HARCO NATIONAL INSURANCE CO.

    BIPD/Primary · policy TPU3035348

  22. 10/01/2013Insurance replaced — WESTERN SURETY CO.

    SURETY · policy 929320436

  23. 12/01/2010Insurance replaced — FIREMAN'S FUND INSURANCE CO.

    CARGO · policy MXI 97906295 DET

  24. 12/01/2006Insurance replaced — HARCO NATIONAL INSURANCE CO.

    BIPD/Primary · policy TPU3035348

  25. 11/08/2005COMMON — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (11/15/2005)

  26. 11/08/2005CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (11/15/2005)

  27. 11/08/2005BROKER — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (11/15/2005)

  28. 03/23/2004Insurance cancelled — CONTINENTAL CASUALTY CO.

    SURETY · policy 141968899

  29. 02/27/2004BROKER — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (03/30/2004)

  30. 12/26/2003Insurance cancelled — CHEROKEE INSURANCE COMPANY

    CARGO · policy MC-020109

Merged from FMCSA authority, insurance, out-of-service, and census records.

🚛

Operations

Classification

  • AUTHORIZED FOR HIRE

Area served

  • Interstate
★

FMCSA safety rating

Rating
Satisfactory
Type
Non-ratable review
Rated
1998-10-08
Last review
2010-11-09
📄

MCS-150 registration

Form date
2026-07-14
Reported mileage
1,032,279 mi (2025)
⚡

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ⓘ
Data sourced from public FMCSA records via safer.fmcsa.dot.gov · Latest FMCSA update: Sep 2026 · Page refreshed: Sep 24, 2026, 5:37 AM. VioCodes is not affiliated with FMCSA. To dispute incorrect data, file a DataQs Request for Data Review.