CSA
Authorized · PropertyUSDOT 465197· MC244816· CARRIER· EIN 61337496
⬇ PDF report

ELGIN MOTOR FREIGHT INC

1497 WILTON GROVE ROAD, LONDON, ON, N6N 1M3(519) 644-9090safetymgmt@challenger.comJIM PEEPLES
Vetting snapshot
Authority
Active
operating authority
Insurance
$1M BIPD
ZURICH AMERICAN INSURANCE COMPANY
Vehicle OOS
10.2%
below 22% national avg
Driver OOS
0%
below 6.7% national avg
Crashes 24mo
5
none fatal
Red flags
None
nothing flagged
90
/ 100

Risk factors

Low riskVioCodes score
5 crashes in the last 24 months

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.

Authority & insurance

MC244816

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

Common
Active
Contract
Active
Broker
None
Authorized for: Property
Liability (BIPD)
$1M on file
$1M required
Cargo
Not on file
not required
Bond / surety
Not on file
not required
Insurance filings
ON FILELiability (BIPD) — BMC-91X$1M coverageeff 05/01/2026
ZURICH AMERICAN INSURANCE COMPANY· policy 9808611
Authority history (7) ▾
08/17/2015COMMONINVOLUNTARY REVOCATIONDISCONTINUED REVOCATION (09/17/2015)
08/17/2015CONTRACTINVOLUNTARY REVOCATIONDISCONTINUED REVOCATION (09/17/2015)
11/16/2005COMMONINVOLUNTARY REVOCATIONDISCONTINUED REVOCATION (12/02/2005)
11/16/2005CONTRACTINVOLUNTARY REVOCATIONDISCONTINUED REVOCATION (12/02/2005)
02/23/1993MOTOR PROPERTY CONTRACT CARRIERGRANTED
10/15/1991MOTOR PROPERTY COMMON CARRIERGRANTED
10/15/1991MOTOR PROPERTY CONTRACT CARRIERGRANTED
Insurance history6 insurers on record
Filing timeline (15)
  1. NORTHBRIDGE GENERAL INSURANCE CORPORATION$1MCancelled
    BIPD/Primary · eff 05/01/202405/27/2026
  2. ZURICH AMERICAN INSURANCE COMPANY$5MReplaced
    BIPD/Primary · eff 05/01/202505/01/2026
  3. NORTHBRIDGE GENERAL INSURANCE CORPORATION$1MReplaced
    BIPD/Primary · eff 05/01/202405/01/2025
  4. NORTHBRIDGE GENERAL INSURANCE CORPORATION$1MReplaced
    BIPD/Primary · eff 05/01/201705/01/2024
  5. NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION$1MReplaced
    BIPD/Primary · eff 09/16/201505/01/2017
  6. NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION$1MName Changed
    BIPD/Primary · eff 05/01/201209/21/2015
  7. NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION$1MReplaced
    BIPD/Primary · eff 05/01/201209/16/2015
  8. UNITED STATES FIRE INSURANCE CO.$1MReplaced
    BIPD/Primary · eff 04/01/200705/01/2012
  9. UNITED STATES FIRE INSURANCE CO.$1MCancelled
    CARGO · eff 04/01/200706/03/2011
  10. RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.$1MReplaced
    BIPD/Primary · eff 02/01/200304/01/2007
  11. RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.$1MReplaced
    CARGO · eff 02/01/200304/01/2007
  12. RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.$1MReplaced
    BIPD/Primary · eff 10/31/199602/01/2003
  13. RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.$1MReplaced
    CARGO · eff 10/31/199602/01/2003
  14. TRUCK INSURANCE EXCHANGE$1MReplaced
    BIPD/Primary · eff 12/04/199210/31/1996
  15. TRUCK INSURANCE EXCHANGE$1MReplaced
    CARGO · eff 12/04/199210/31/1996

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.

Vehicle49 inspections · 10.2% OOS · National 22%
Driver76 inspections · 0% OOS · National 6.7%

CSA performance breakdown

FMCSA · Sep 2026

76 inspections · 23 violations (4 OOS) · 10% of inspections had an OOS finding.

76
Inspections
23
Violations
4
OOS violations
10
Distinct codes

Violations by BASIC

click to filter codes

13
total

Most inspected in · top 7 states

  • MI14
  • KY6
  • TN3
  • NY3
  • OH2
  • IN1
  • WV1

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.

A high share of violations are occurring in Monroe County, MI

Medium impact

9 of 32 violations in the last 12 months (28%) came from inspections in Monroe County, MI. That can mean tougher enforcement there or simply more of your miles run through it — either way it's worth a look.

What to do
  • Review the inspections from Monroe County, MI to spot recurring issues
  • Brief drivers running that lane; consider rerouting around the toughest enforcement corridors where practical

Speeding violations are the leading contributor to Unsafe Driving

Low impact

Estimated Unsafe Driving percentile of 4% is under the 60% line. In decent shape, but here's what's driving it.

What’s contributing19 violations (24 mo)
Speeding4 viol37%
  • 392.2-SLLSWZState/Local Laws - Speeding work/construction zone4× · 37%
Following / lane / reckless8 viol31%
  • 392.2-SLLLRState/Local Laws - Lane restriction violation3× · 9%
  • 392.2-SLLILCState/Local Laws - Improper lane change2× · 9%
  • 392.2-SLLMLState/Local Laws - Failure to maintain lane2× · 9%
Phone / texting2 viol12%
  • 392.82DUMTDriver - Using a hand-held mobile telephone1× · 6%
  • 392.2-SLLCPState/Local Laws - Operate a CMV while using a cellular phone1× · 6%
Other3 viol11%
  • 392.2-INATDriver- Inattentive or Distracted Driving1× · 9%
  • 392.2-SLLUPState/Local Laws - Unlawfully parking /leaving vehicle on roadway1× · 1%
  • 392.2PKUnlawfully parking and/or leaving vehicle in the roadway1× · 1%
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 3 pts in ~12 mo
nowin 12 months
Current trend 50% followed 100% followed 60% line

Hours-of-Service Compliance needs attention

Low impact

Estimated Hours-of-Service Compliance percentile of 0% is under the 60% 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

Driver Fitness needs attention

Low impact

Estimated Driver Fitness percentile of 0% is under the 75% 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 75% 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

Lighting / lamps violations are the leading contributor to Vehicle Maintenance

Low impact

Estimated Vehicle Maintenance percentile of 39% is under the 75% line. In decent shape, but here's what's driving it.

What’s contributing28 violations · 6 OOS (24 mo)
Lighting / lamps1 OOS13 viol39%
  • 393.9A-LHLILighting - Headlamp(s) - Any inoperative5× · 19%
  • 393.11A1-CSURRConspicuity Systems - Truck tractor, upper rear retro reflective sheeting missing on vehicle manufactured on or after July 1, 19973× · 11%
  • 393.11A1-LSLMWRLighting - Stop lamps - Both missing when required to be on.1× · 3%
Tires4 OOS4 viol37%
  • 393.75A3-TAOLTISTires - All others, leaking in tread area and inflation less than 50% of the maximum inflation pressure on tire equipped with ATIS1× · 12%
  • 393.75A1-TAORETATires - All others, has more than one ply exposed in the tread area exceeding 2 square inches.1× · 12%
  • 393.75A3-TAOLTires - All others, leaking or inflation less than 50% of the maximum inflation pressure on tire not equipped with ATIS1× · 8%
Brakes1 OOS6 viol18%
  • 393.55E-BAir Brake - ABS malfunction lamp defective on trailers manufactured on or after March 1, 19982× · 8%
  • 393.55D2-BAir Brake - ABS malfunction lamp defective on truck-tractor manufactured on or after March 1, 2001 for towed vehicle.1× · 5%
  • 393.45B2-BHTDAir Brake - Hose/tubing damage into the outer reinforcement ply.1× · 2%
Load securement2 viol4%
  • 393.106B-CCargo - Not immobilized or secured2× · 4%
What to do
  • Walk the lights every pre-trip and carry spare bulbs/fuses; clean lenses and check the trailer plug
  • Prioritize the out-of-service items — they carry the heaviest weight
Projected estimatecould improve up to 27 pts in ~12 mo
nowin 12 months
Current trend 50% followed 100% followed 75% 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.

Improving
7
Inspections
4
Violations
0
Out-of-service
3
Clean
Where the violations are
Other 50%Vehicle Maintenance 25%Unsafe Driving 25%
Focus here first
1Other
2 violations · 50% of recent
  • 392.2-SLLTL×2State/Local Laws - Misc. traffic law violation
Do this
  • Review these violations with drivers and add the fix to your pre-trip and PM routine
2Vehicle Maintenance
1 violation · 25% of recent
  • 393.11A1-CSURRConspicuity Systems - Truck tractor, upper rear retro reflective sheeting missing on vehicle manufactured on or after July 1, 1997
Do this
  • Walk the lights every pre-trip and carry spare bulbs/fuses
  • Clean lenses and check the trailer plug for corrosion
3Unsafe Driving
1 violation · 25% of recent
  • 392.2-SLLLRState/Local Laws - Lane restriction violation
Do this
  • Coach speed and following distance — Unsafe Driving points are weighted heavily
  • Hands off the phone; always belt up
Repeat offenders (same code, multiple times)
🎓
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).

122
Inspections
89
Violations
9
Out-of-service
436
CSA points
100
Crashes
18
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

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

58 trailer 41 truck 2 incomplete vehicle
2019 FREIGHTLINER Cascadiaseen 4×
1FUJHHDR9KLKE4532· PA87309 ON
2015 MACK CXU (Pinnacle)seen 3×
1M1AW07Y9FM044062· PA37004 ON
2025 KENWORTH T680seen 3×
1XKYD49X5SJ996587· PA98173 ON
2022 FREIGHTLINER Cascadiaseen 2×
1FUJHHDR0NLMW6157· PA96836 ON
2023 FREIGHTLINER Cascadiaseen 2×
3AKJHHDR0PSUV3044· PA74494 ON
2016 KENWORTH T680seen 2×
1XKYD49X8GJ980648· PA74402 ON
2025 FREIGHTLINER Cascadiaseen 2×
3AKJHHDR5SSVV1298· PA99657 ON
2021 VOLVO TRUCK VNLseen 2×
4V4NC9EHXMN271130· PB19363 ON
2019 FREIGHTLINER Cascadiaseen 2×
3AKJHHDR9KSKS6959· PB25815 ON
2019 VOLVO TRUCK VNLseen 2×
4V4NC9EH3KN201384· PA81821 ON
2015 VOLVO TRUCK VNLseen 2×
4V4NC9EJ7FN910618· PA52724 ON
2020 VOLVO TRUCK VNLseen 2×
4V4NC9EH6LN222487· PA52725 ON
2016 PETERBILT 579seen 2×
1XPBD49X1GD355622· PA44995 ON
2012 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5325CS307453· S7493Z ON
2020 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532CXLT423419· T7911C ON
2020 MANAC Manac Trailer
2M5921616L1187632· S1634Z ON
2016 WABASH VANS Refrigerated Van
1JJV532B7GL887135· Y4481V ON
2020 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532C8LT423337· T1580C ON
2018 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5327JS776735· P9986M ON
2007 VOLVO TRUCK VNL
4V4NC9TJ37N452726· 1498PB ON
2020 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532C1LT423227· S7357Z ON
2021 FREIGHTLINER Cascadia
1FUJHHDR2MLKY6242· PA96865 ON
2020 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532C9LT423282· T1573C ON
2016 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5321GB638309· V4957Z ON
2015 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5328FB525326· T8090H ON
2016 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5327GB641148· Y7834J ON
2017 FREIGHTLINER Cascadia
1FUJGLDR8HLHU3523· PA76650 ON
2017 STOUGHTON TRAILERS Stoughton Trailers
1DW1A5325HS765338· P1694C ON
2016 FREIGHTLINER Cascadia
3AKJGLD56GSGY9851· PA49809 ON
2020 HYUNDAI TRANSLEAD TRAILERS Hyundai Translead Trailers
3H3V532CXLT423288· T1574C ON

+ 71 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.

Crash record (US, last 24 months)

Total

5

Tow-away

4

Injury

3

Fatal

0

Company profile

FMCSA census

AUTHORIZED FOR HIRE

Power units
266
on file (MCS-150)
Drivers
256
256 hold a CDL
Annual mileage
19.7M mi
reported 2022
Recordable crash rate
per million miles
How far they run · drivers by operating lane
  • Interstate · 100+ mi217 drivers
  • Interstate · <100 mi39 drivers
Company officer
JIM PEEPLES
Operation
Interstate · Hazmat
Registered since
1991-12-05
Last MCS-150 update
2025-03-06
Census status
Active

Fleet: 266 trucks · 265 owned tractors · 300 owned trailers.

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

Connections

carrier graph

This carrier shares VINs, officers or emails with 20 other carriers — review the connections below as part of your vetting.

20
Connected carriers
17
Fleet-transfer links
1
Most shared VINs
3
Strong links
Strong· 3
1
CHALLENGER LOGISTICS INC
USDOT 825982Active· CAMBRIDGE, ON
Strong
Email
2
CHALLENGER LOGISTICS INTERNATIONAL INC
USDOT 960953Active· CHICAGO, IL
Strong
Email
3
CHALLENGER MOTOR FREIGHT INC
USDOT 247765Active· CAMBRIDGE, ON
Strong
Officer

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

22 events
  1. 05/27/2026Insurance cancelled — NORTHBRIDGE GENERAL INSURANCE CORPORATION

    BIPD/Primary · policy P04181254

  2. 05/01/2026Insurance filed — ZURICH AMERICAN INSURANCE COMPANY

    Liability (BIPD) — BMC-91X · policy 9808611

  3. 05/01/2026Insurance replaced — ZURICH AMERICAN INSURANCE COMPANY

    BIPD/Primary · policy P04181254

  4. 05/01/2025Insurance replaced — NORTHBRIDGE GENERAL INSURANCE CORPORATION

    BIPD/Primary · policy P04181254

  5. 03/06/2025MCS-150 update filed

    19.7M mi reported (2022)

  6. 05/01/2024Insurance replaced — NORTHBRIDGE GENERAL INSURANCE CORPORATION

    BIPD/Primary · policy P7174444A

  7. 05/01/2017Insurance replaced — NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION

    BIPD/Primary · policy P7174444A

  8. 09/21/2015Insurance name changed — NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION

    BIPD/Primary · policy P7174444A

  9. 09/16/2015Insurance replaced — NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION

    BIPD/Primary · policy P7174444A

  10. 08/17/2015COMMON — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (09/17/2015)

  11. 08/17/2015CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (09/17/2015)

  12. 05/01/2012Insurance replaced — UNITED STATES FIRE INSURANCE CO.

    BIPD/Primary · policy 133-850039

  13. 06/03/2011Insurance cancelled — UNITED STATES FIRE INSURANCE CO.

    CARGO · policy 321-850040

  14. 04/01/2007Insurance replaced — RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.

    BIPD/Primary · policy TPO 203313

  15. 11/16/2005COMMON — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (12/02/2005)

  16. 11/16/2005CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (12/02/2005)

  17. 02/01/2003Insurance replaced — RANGER INS. CO./FAIRMONT SPECIALTY INS. CO.

    BIPD/Primary · policy TPO203313

  18. 10/31/1996Insurance replaced — TRUCK INSURANCE EXCHANGE

    BIPD/Primary · policy NO802 01 71 580/44

  19. 02/23/1993MOTOR PROPERTY CONTRACT CARRIER — GRANTED
  20. 12/05/1991Registered with FMCSA

    AUTHORIZED FOR HIRE

  21. 10/15/1991MOTOR PROPERTY COMMON CARRIER — GRANTED
  22. 10/15/1991MOTOR PROPERTY CONTRACT CARRIER — GRANTED

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

🚛

Operations

Classification

  • AUTHORIZED FOR HIRE

Area served

  • Interstate

FMCSA safety rating

Rating
Not rated
Type
Rated
Last review
📄

MCS-150 registration

Form date
2025-03-06
Reported mileage
19,705,650 mi (2022)

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Data sourced from public FMCSA records via safer.fmcsa.dot.gov · Latest FMCSA update: Sep 2026 · Page refreshed: Sep 21, 2026, 3:37 AM. VioCodes is not affiliated with FMCSA. To dispute incorrect data, file a DataQs Request for Data Review.