Carrier profile · USDOT 2877384 · MC-965783 · Updated Jun 13, 2026

JAMES DAVID RATLEDGE

DBA TENNESSEE WRECKER SPICER TOWING AND RECOVERY

5 power unitsLocal · 1 statesHIXSON, TN50/100

CARRIER ACTIVEMC-965783 ACTIVEHAZMAT

Authority & Insurance

Active operating authority by type and the full insurance continuity timeline — insurer, policy, coverage, and any lapses — so you can confirm they can legally and adequately haul your load today.

Operating authority· 49 CFR · per type

Operating authority

Common: Active
Contract: None
Broker: None

Insurance & bonds

BIPD / liability$1,000,000 in force

Cargo filing (census)Not recorded per census

Surety bond (census)Not recorded per census

Insurance adequacy· filed BIPD vs the $750K federal floor

$1M in forcegeneral-freight federal minimum

$750K floor

Filed BIPD coverage of $1M meets or exceeds the $750K federal minimum for general freight (49 CFR 387.9). Some commodities (hazmat, larger vehicles) require $1M–$5M — confirm against your load.

Insurance continuity· insurer · policy · lapses

$1M BIPD last filed · 4 insurers · 0 lapsesInsurer churn

Employers’16–’18

Donegal’19–now

2016201920222025now

Shorter eras are too brief to label at this scale — all 4 insurers are named in the list below.

BIPD in force — $1,000,000 · DONEGAL MUTUAL INSURANCE COMPANY · since Feb 2026

All 4 insurer eras · dates, limits, renewals

Insurer	Period	Limit	Renewals
DONEGAL MUTUAL INSURANCE COMPANY	Feb 2019 → May 2026	$1M	4
PENNSYLVANIA MANUF. ASSOC. INS.	Dec 2018 → Feb 2019	$1M	1
EMPLOYERS MUTUAL CASUALTY CO.	Dec 2016 → Dec 2018	$1M	2
AUTO OWNERS INSURANCE COMPANY	Apr 2016 → Dec 2016	$1M	3