FMCSA Compliance14 min read

FMCSA BASIC Scores Explained: The Complete 2026 Guide to the New SMS Scoring System

Learn how FMCSA BASIC scores work, what the 2026 SMS overhaul changed, and how to improve your carrier safety percentile rankings. Covers all 6 BASIC categories, intervention thresholds, and score calculation methods.

Key Takeaways

  • BASIC scores are percentile rankings from 0 to 100 assigned by the FMCSA to every motor carrier with enough roadside inspection data. A lower score means better safety performance relative to your peers.
  • There are 6 BASIC categories: Unsafe Driving, Hours-of-Service Compliance, Driver Fitness, Controlled Substances/Alcohol, Vehicle Maintenance, and Crash Indicator. Each has its own intervention threshold.
  • In 2026, the FMCSA overhauled the SMS system, consolidating over 950 violation codes into approximately 116 violation groups, changing how carriers are scored and compared.
  • Intervention thresholds vary by category: 65% for Unsafe Driving, HOS, and Crash Indicator; 80% for Driver Fitness, Controlled Substances/Alcohol, and Vehicle Maintenance.
  • Scores are calculated from 24 months of roadside inspections, crashes, and investigation results, with more recent data weighted more heavily.
  • Freight brokers, insurance underwriters, and shippers routinely use BASIC scores to vet carriers before booking loads or issuing policies.

If you operate a trucking company, broker freight, or work anywhere in the supply chain, you have almost certainly encountered the term "BASIC scores." These six percentile rankings sit at the heart of the FMCSA's safety oversight program, and they influence everything from audit likelihood to whether a broker will tender you a load.

Yet despite their importance, BASIC scores remain widely misunderstood. Many carriers confuse them with the older SafeStat ratings. Others assume a score of 50 is "failing." And with the sweeping 2026 SMS overhaul, the scoring mechanics have changed in ways that every carrier and broker needs to understand.

This guide breaks it all down. Whether you are a fleet safety manager trying to lower your percentiles, an owner-operator wondering what your scores mean, or a freight broker who needs to vet carriers quickly, this article will give you a thorough understanding of how FMCSA BASIC scores work in 2026 and beyond.

What Are FMCSA BASIC Scores?

BASIC stands for Behavior Analysis and Safety Improvement Categories. The acronym refers to the six categories the FMCSA uses to evaluate every motor carrier's safety performance as part of the broader CSA (Compliance, Safety, Accountability) program.

Each BASIC category produces a percentile ranking from 0 to 100. A score of 0 means the carrier is among the best performers in its peer group for that category. A score of 100 means the carrier has the worst safety record compared to similar carriers.

This is a critical point that trips up many people: higher is worse. Unlike a school grade where 100% is perfect, a BASIC score of 100 means you are in the bottom percentile of safety performance.

BASIC scores are calculated from data gathered over a rolling 24-month window. The data comes from three primary sources:

  • Roadside inspections conducted by state and federal officers
  • Crash reports filed by law enforcement and submitted through state reporting systems
  • Investigation results from compliance reviews and other FMCSA enforcement actions

Not every carrier has BASIC scores. A carrier must have a minimum number of inspections with violations, or a minimum number of crashes, before the FMCSA has enough data to generate a percentile ranking. Small carriers with very few inspections may not have scores in some or all categories.

94% of interstate carriers have NO official FMCSA safety rating

This statistic is exactly why BASIC scores matter so much. The traditional safety rating system (Satisfactory, Conditional, Unsatisfactory) has only ever rated a small fraction of carriers. BASIC scores fill that gap by providing a data-driven safety snapshot for any carrier with sufficient inspection history. For brokers and shippers, tools like CarrierOwl's carrier search make it easy to pull up any carrier's BASIC scores alongside their authority status, insurance, and inspection history.

The 6 BASIC Categories Explained

Each BASIC category measures a distinct area of safety performance. The FMCSA tracks specific violation types under each category and sets an intervention threshold, which is the percentile score at which the agency may take enforcement action. Below is a detailed breakdown of all six categories.

1. Unsafe Driving (Intervention Threshold: 65%)

The Unsafe Driving BASIC measures how safely a carrier's drivers operate their vehicles on public roads. This category captures the kinds of behaviors that most directly lead to crashes.

Violations that feed into this category include:

  • Speeding (including excessive speeding violations, which carry higher severity weights)
  • Reckless or careless driving
  • Improper lane changes and following too closely
  • Texting or using a handheld mobile phone while driving
  • Failure to wear a seatbelt
  • Failure to obey traffic signals and signs
  • Improper passing and turning

Because unsafe driving behaviors are the most direct precursors to crashes, this category has a relatively low intervention threshold of 65%. Carriers that exceed this threshold can expect warning letters, targeted inspections, and potentially a comprehensive investigation.

2. Hours-of-Service (HOS) Compliance (Intervention Threshold: 65%)

The HOS Compliance BASIC evaluates whether a carrier's drivers are following federal hours-of-service regulations. Fatigued driving is one of the leading causes of serious commercial vehicle crashes, so the FMCSA takes this category very seriously.

Violations that feed into this category include:

  • Driving beyond the maximum allowable hours (11-hour driving limit, 14-hour on-duty window)
  • Violating the 60/70-hour weekly limits
  • Logbook or ELD (Electronic Logging Device) violations
  • Falsifying records of duty status
  • Operating without a required ELD
  • Failing to take required 30-minute rest breaks

Like Unsafe Driving, HOS Compliance carries a 65% intervention threshold. Since the ELD mandate went into full effect, the nature of HOS violations has shifted. Paper logbook falsification has decreased, but violations related to ELD malfunctions, unassigned driving time, and edit rejection have become more common.

3. Driver Fitness (Intervention Threshold: 80%)

The Driver Fitness BASIC measures whether a carrier's drivers are properly qualified and licensed to operate commercial motor vehicles. This is less about driving behavior and more about administrative compliance with driver qualification requirements.

Violations that feed into this category include:

  • Operating without a valid Commercial Driver's License (CDL)
  • Lacking proper endorsements for the cargo being hauled (e.g., hazmat, tanker)
  • Expired or missing medical examiner's certificate
  • Incomplete driver qualification files
  • Operating with a suspended or revoked license
  • Failing to meet physical qualification standards

The higher intervention threshold of 80% reflects the fact that while driver fitness violations are serious, they are generally less immediately dangerous than active driving violations. That said, a carrier at or above 80% in this category is in serious trouble and should expect FMCSA intervention.

4. Controlled Substances/Alcohol (Intervention Threshold: 80%)

This BASIC measures a carrier's compliance with federal regulations governing the use of controlled substances and alcohol by commercial vehicle drivers. Even a single violation in this category can have an outsized impact on a carrier's score because these violations are relatively rare and carry very high severity weights.

Violations that feed into this category include:

  • Operating under the influence of alcohol or controlled substances
  • Positive drug or alcohol test results
  • Possession of alcohol or illegal drugs in a commercial vehicle
  • Refusal to submit to required testing
  • Failure to implement a compliant drug and alcohol testing program
  • Using a driver who has tested positive without completing return-to-duty requirements

The 80% intervention threshold applies here, but carriers should understand that violations in this category are among the most damaging to a carrier's reputation. Many freight brokers will refuse to work with a carrier that has any recorded substance-related violations, regardless of the overall percentile score.

5. Vehicle Maintenance (Intervention Threshold: 80%)

The Vehicle Maintenance BASIC, sometimes called the "HM" (Hazardous Materials) BASIC in older documentation, evaluates the mechanical condition of a carrier's vehicles. This category is one of the most common sources of violations because roadside inspections heavily focus on vehicle condition.

Violations that feed into this category include:

  • Brake system defects (adjustment, air leaks, worn components)
  • Tire defects (bald tires, flat tires, improper inflation)
  • Lighting and reflector issues (inoperative headlights, taillights, turn signals)
  • Cargo securement failures
  • Exhaust system leaks
  • Frame and suspension defects
  • Coupling device issues
  • Failure to conduct or document pre-trip and post-trip inspections

Vehicle maintenance violations are the most frequently cited category at roadside inspections. Brake defects alone account for a huge proportion of out-of-service orders. Carriers that do not invest in preventive maintenance programs will almost certainly see elevated scores in this BASIC.

6. Crash Indicator (Intervention Threshold: 65%)

The Crash Indicator BASIC is unique among the six categories because it is based on crash involvement rather than violations. This category measures a carrier's crash history, weighted by the severity of each crash.

Crashes are classified into three severity tiers:

  1. Fatal crashes carry the highest severity weight
  2. Injury crashes carry a moderate severity weight
  3. Tow-away crashes (where a vehicle must be towed from the scene) carry the lowest severity weight

An important nuance: the Crash Indicator does not consider fault. A carrier can have a crash count against its score even if its driver was not at fault. This is one of the most controversial aspects of the SMS system. The FMCSA has stated that crash involvement, regardless of fault, is a statistically valid predictor of future crash risk, but the industry has pushed back on this methodology for years.

Carriers who believe a crash was recorded in error or that they were clearly not at fault can submit a Request for Data Review (RDR) through the FMCSA's DataQs system.

What Changed in the 2026 SMS Overhaul

In early 2026, the FMCSA implemented the most significant overhaul to the Safety Measurement System since CSA launched in 2010. These changes affect how every carrier's BASIC scores are calculated, and in many cases, carriers have seen their scores shift substantially. Here is what changed and why it matters.

Violation Code Consolidation

The most visible change is the consolidation of violation codes. The previous system used over 950 individual violation codes, each mapped to one of the six BASIC categories. The 2026 overhaul condensed these into approximately 116 violation groups.

Why does this matter? Under the old system, minor variations in how an officer coded a violation could lead to inconsistent scoring. Two nearly identical brake defects might be coded differently depending on the state or the officer, resulting in different severity weights. The new grouping system reduces this inconsistency by clustering related violations together and assigning a single severity weight to each group.

For carriers, this means your scores are now more consistent and comparable across jurisdictions. However, it also means that some violations that previously had low severity weights may now be grouped with more serious violations, potentially raising your score in that category.

Updated Peer Grouping Methodology

BASIC scores have always been percentile rankings within a peer group. Under the old system, carriers were grouped primarily by the number of inspections (a proxy for carrier size). The 2026 update refines this methodology by incorporating additional factors such as carrier type, operation classification, and geographic exposure.

This change aims to make comparisons fairer. A long-haul truckload carrier running coast-to-coast should be compared against similar operations, not against a local delivery fleet that operates entirely within one metro area. The updated peer groups better reflect the different risk profiles across carrier segments.

Time-Weighting and Severity Weighting Changes

The SMS has always applied time weights, giving more influence to recent data than older data within the 24-month window. The 2026 overhaul adjusted these weights to place even greater emphasis on the most recent six months of data. This means that carriers who have recently improved their safety performance will see faster score improvements, while carriers whose performance has recently deteriorated will see quicker score increases.

Severity weights were also recalibrated across the violation groups. The FMCSA used updated crash correlation data to determine which violations are most predictive of future crashes, and adjusted severity weights accordingly. Some violations now carry more weight than before, while others carry less.

New SMS Portal Dashboard

Along with the scoring changes, the FMCSA launched an updated SMS portal with improved dashboards for carriers and the public. The new interface provides better visibility into how scores are calculated, including a breakdown of which violation groups are contributing most to each BASIC score. Carriers can now more easily identify the specific areas where improvement will have the greatest impact on their scores.

24 months the rolling window FMCSA uses for BASIC score calculation

How BASIC Scores Are Calculated

Understanding the calculation methodology helps carriers focus their safety improvement efforts where they will have the most impact. Here is a step-by-step overview of how the FMCSA turns raw inspection data into the percentile rankings you see on the SMS portal.

Step 1: Collect Inspection and Crash Data

The process starts with raw data. Every time one of your drivers is stopped at a roadside inspection, the results are entered into the FMCSA's Motor Carrier Management Information System (MCMIS). This includes every violation found, every clean inspection, and every out-of-service order. Crash data flows in from state-reported crash files.

Only data from the most recent 24 months is included. Anything older than 24 months drops off your record (for scoring purposes, though it may remain in historical databases).

Step 2: Assign Severity Weights

Each violation group has an assigned severity weight based on its statistical correlation with future crash risk. More dangerous violations carry higher weights. For example, a texting-while-driving violation carries a much higher severity weight than a missing reflector.

In the Crash Indicator BASIC, the severity weight is determined by crash outcome: fatal crashes are weighted most heavily, followed by injury crashes, followed by tow-away-only crashes.

Step 3: Apply Time Weights

Violations and crashes from the most recent months carry more weight than older ones. The 24-month window is divided into segments, with the most recent segment receiving the highest time-weight multiplier. Under the 2026 changes, the first six months (most recent) now carry a significantly higher multiplier than before, meaning your most recent safety performance has an even larger impact on your scores.

Step 4: Calculate the Carrier's Total Score for Each BASIC

For each BASIC category, the FMCSA multiplies each applicable violation's severity weight by its time weight, then sums up all the weighted violations. This raw total is then divided by the number of relevant inspections to normalize for carrier size. A carrier with 500 inspections and 10 violations should not automatically score worse than a carrier with 50 inspections and 5 violations.

Step 5: Compare Against Peer Group

The normalized score is then compared against all other carriers in the same peer group. Carriers are ranked, and each carrier is assigned a percentile from 0 to 100 based on where it falls in the distribution. If your carrier's score is worse than 72% of carriers in your peer group, your BASIC percentile is 72.

This peer comparison is fundamental to understanding BASIC scores. Your score does not reflect an absolute level of safety. It reflects how you compare to similar carriers. Even if your raw violation count stays the same, your percentile can change if other carriers in your peer group improve or worsen.

Step 6: Apply Intervention Thresholds

Once percentiles are calculated, the FMCSA applies the intervention thresholds for each category. If a carrier's percentile meets or exceeds the threshold, it is flagged for potential enforcement action. The carrier may receive a warning letter, be selected for a focused investigation, or face a comprehensive compliance review.

What Is a Good BASIC Score?

Because BASIC scores are percentile rankings, "good" is relative. However, here are general guidelines that carriers and brokers use in practice:

  • 0 to 30%: Excellent. The carrier is among the top performers in its peer group. Most brokers and shippers will have no concerns about safety scores in this range.
  • 31 to 50%: Good. The carrier is performing better than average. Some minor areas for improvement may exist, but overall safety performance is solid.
  • 51 to 64%: Caution zone. The carrier is below average for its peer group. While not yet at intervention thresholds (for the 65% categories), scores in this range should prompt proactive safety improvements.
  • 65 to 79%: Intervention territory for Unsafe Driving, HOS, and Crash Indicator. The FMCSA may send warning letters or initiate investigations. Many brokers begin to decline carriers with scores in this range.
  • 80 to 100%: Serious concern. The carrier meets or exceeds the intervention threshold for all BASIC categories. FMCSA enforcement action is likely. Many brokers and shippers will refuse to work with carriers scoring this high.
65% / 80% CSA intervention thresholds: 65% for Unsafe Driving, HOS, Crash; 80% for Driver Fitness, Controlled Substances, Vehicle Maintenance

It is worth emphasizing that there is no single "passing" or "failing" BASIC score. The FMCSA does not issue a pass/fail determination based on BASIC scores alone. However, the practical reality is that scores above the intervention thresholds bring increased scrutiny and can significantly impact a carrier's ability to secure freight and competitive insurance rates.

How BASIC Scores Affect Your Business

BASIC scores are not just an abstract regulatory metric. They have tangible, day-to-day impacts on how carriers, brokers, and insurers operate. Understanding these impacts is essential for anyone in the freight industry.

Impact on Freight Brokers

Freight brokers are increasingly using BASIC scores as a primary tool for carrier vetting. When a broker evaluates whether to assign a load to a carrier, BASIC scores provide an objective, data-driven assessment of that carrier's safety performance.

Many brokerages have internal policies that automatically flag or reject carriers with BASIC scores above certain thresholds. For example, a brokerage might require that all carriers have Unsafe Driving scores below 65% and Vehicle Maintenance scores below 75%. Carriers that exceed these limits are either rejected outright or subjected to additional review.

If you are a broker looking to streamline your carrier vetting process, CarrierOwl displays BASIC scores for every carrier alongside their operating authority, insurance coverage, and inspection history, all in one place.

Impact on Carriers

For carriers, high BASIC scores create a compounding problem. Elevated scores attract FMCSA attention, which can lead to more frequent inspections and investigations. More inspections mean more opportunities for violations to be found, which can further increase scores. This negative feedback loop can be difficult to break without a concerted safety improvement effort.

Beyond regulatory risk, high BASIC scores directly affect a carrier's ability to win business. As more brokers and shippers adopt score-based vetting, carriers with poor scores find themselves locked out of the best-paying lanes and customers. This is especially true in the contract freight market, where shippers conduct thorough safety reviews before awarding annual contracts.

If you are evaluating carriers or want to understand how your own scores compare to the industry, our carrier vetting tools comparison covers the leading platforms available in 2026.

Impact on Insurance

Insurance underwriters have become sophisticated users of BASIC score data. When pricing a commercial auto or trucking liability policy, underwriters will review the carrier's scores across all six categories. Carriers with elevated BASIC scores, particularly in Unsafe Driving and Crash Indicator, can expect to pay significantly higher premiums than carriers with clean records.

Some insurers will decline coverage altogether for carriers with multiple BASICs above intervention thresholds. In the current hard insurance market for trucking, maintaining low BASIC scores is one of the most effective strategies a carrier can use to secure affordable coverage.

Impact on Shippers

Under federal regulations and common law, shippers can be held liable for negligent selection of carriers. If a shipper tenders freight to a carrier with known safety deficiencies and that carrier is involved in a crash, the shipper may face legal liability. BASIC scores provide a documented, publicly available record of carrier safety performance that courts and juries can evaluate.

This legal exposure is driving more shippers to implement formal carrier qualification programs that include BASIC score thresholds as a minimum requirement.

How to Improve Your BASIC Scores

If your BASIC scores are higher than you would like, the good news is that improvement is entirely possible. Because scores are calculated on a rolling 24-month window, improvements to your safety practices will begin showing up in your scores within months. Here are the most effective strategies.

Fix Violations at the Roadside

When an inspection turns up a violation, address it immediately whenever possible. Certain vehicle maintenance violations, such as a burned-out light or an improperly secured load, can be corrected on the spot. While the violation will still be recorded, showing a pattern of rapid correction demonstrates good faith and operational discipline.

Dispute Inaccurate Records Through DataQs

Not every violation or crash record is accurate. Officers sometimes code violations incorrectly, crash reports may contain errors, or inspections may be attributed to the wrong carrier. The FMCSA provides the DataQs system specifically for carriers to request reviews of records they believe are inaccurate.

Common reasons to file a DataQs challenge include:

  • A violation was coded under the wrong category
  • The inspection was attributed to the wrong USDOT number
  • A crash was recorded that did not actually involve your vehicle
  • A violation has already been corrected and should not have been cited

Filing DataQs challenges takes effort, but successfully overturning even a few high-severity violations can meaningfully improve your scores.

Implement Driver Training Programs

Many BASIC score problems trace back to driver behavior. Implementing regular, structured driver training programs can address recurring violation patterns. Focus training on the specific violation types that are driving your highest scores.

For example, if your Unsafe Driving BASIC is elevated due to speeding violations, implement a speed management program that includes governor settings, real-time GPS monitoring, and driver coaching. If your HOS BASIC is high, train drivers on proper ELD use and ensure dispatchers are not pressuring drivers to exceed their available hours.

Invest in Preventive Maintenance

The Vehicle Maintenance BASIC is one of the most improvable categories because it is directly tied to the mechanical condition of your equipment. A rigorous preventive maintenance program that addresses brakes, tires, lights, and coupling devices before they fail inspection will dramatically reduce the number of vehicle-related violations.

Key practices include:

  • Scheduled PM intervals based on mileage and time
  • Thorough pre-trip and post-trip inspection procedures
  • Prompt repair of driver-reported defects
  • Documented maintenance records for every vehicle
  • Third-party maintenance audits for carriers using outside shops

Monitor Scores Monthly

Do not wait for a warning letter to find out your scores have increased. Check your BASIC scores on the FMCSA SMS website at least monthly. Set up a regular review cadence where your safety team analyzes score trends, identifies the violations contributing most to each BASIC, and prioritizes corrective actions.

Tools like CarrierOwl can also help you monitor your own scores and benchmark against competitors in your market.

Encourage Clean Inspections

Clean inspections, where no violations are found, are valuable. They increase your total inspection count (the denominator in the score calculation) without adding violations (the numerator). Over time, a higher ratio of clean inspections will naturally drive your percentile ranking down.

Some carriers incentivize drivers with bonuses for clean inspections. Others invest in pre-pass programs and participate in voluntary inspection programs at state weigh stations. Both strategies increase the likelihood of clean results.

Understanding BASIC Scores in the Context of Carrier Vetting

BASIC scores are one of several data points that brokers and shippers should consider when evaluating a carrier. They are powerful because they provide a standardized, government-sourced measure of safety performance, but they work best when combined with other factors such as operating authority status, insurance coverage, complaint history, and years of operation.

For a complete guide to evaluating carriers using multiple data sources, see our article on how to vet a carrier. And if you want to check carrier authority details across all 50 states, our state-by-state directory provides direct links to every state's licensing portal.

Frequently Asked Questions

How long do violations affect BASIC scores?

Violations affect your BASIC scores for 24 months from the date of the inspection. After 24 months, the violation drops out of the scoring calculation entirely. However, within that 24-month window, newer violations carry more weight than older ones due to time-weighting. This means a violation's impact on your score gradually decreases over its two-year lifespan, with the sharpest decline occurring after it passes the six-month mark.

What happens if my BASIC score is above the intervention threshold?

When a carrier's BASIC score exceeds the intervention threshold (65% for Unsafe Driving, HOS, and Crash Indicator; 80% for Driver Fitness, Controlled Substances/Alcohol, and Vehicle Maintenance), the FMCSA may take several actions. The most common initial step is a warning letter notifying the carrier that it has been identified for elevated safety risk. From there, the FMCSA may conduct a focused investigation targeting the specific BASIC category of concern, or in more serious cases, a comprehensive compliance review (the equivalent of a full audit). The severity of the response depends on how far above the threshold the score is, how many BASICs are above threshold simultaneously, and the carrier's compliance history.

Can owner-operators check their BASIC scores?

Yes. Any carrier with an active USDOT number can view their BASIC scores on the FMCSA SMS website. Owner-operators who operate under their own authority will have their own scores based on inspections conducted under their USDOT number. However, owner-operators who are leased onto a larger carrier typically have their inspection results attributed to the carrier they are leased to, not their own USDOT number. In that case, the violations affect the leasing carrier's scores rather than the owner-operator's individual scores.

How often are BASIC scores updated?

The FMCSA updates BASIC scores on a monthly basis, typically during the last week of each month. Each monthly update incorporates the latest inspection, violation, and crash data that has been processed and entered into the MCMIS database. Because of processing delays, there is typically a lag of several weeks between when an inspection occurs and when it appears in your BASIC scores. Carriers should check their scores after each monthly update to stay current on any changes.

What is the difference between BASIC scores and safety ratings?

BASIC scores and safety ratings are two separate FMCSA systems that are often confused. Safety ratings (Satisfactory, Conditional, Unsatisfactory) are assigned following a comprehensive compliance review (audit) and reflect an overall assessment of the carrier's compliance with federal regulations. Only a small percentage of carriers have ever been rated. BASIC scores, on the other hand, are percentile rankings generated automatically from inspection and crash data for any carrier with sufficient data. They are updated monthly and do not require an audit. In practice, BASIC scores are far more widely used for carrier vetting because they are available for a much larger number of carriers and are updated regularly, whereas safety ratings can be years old and may not reflect current performance.

Do clean inspections help my BASIC scores?

Yes. Clean inspections, where no violations are found, benefit your BASIC scores in an important way. While a clean inspection does not directly subtract from your violation count, it does increase the number of inspections used as the denominator in the FMCSA's scoring formula. A higher number of total inspections with the same number of violations produces a lower per-inspection violation rate, which typically results in a lower (better) percentile ranking. This is why many safety-conscious carriers encourage their drivers to welcome inspections rather than avoid them.

The Bottom Line

FMCSA BASIC scores are the most widely used measure of carrier safety performance in the United States. With the 2026 SMS overhaul bringing significant changes to how scores are calculated, every carrier needs to understand the new methodology and monitor their scores proactively.

Whether you are a carrier working to bring your scores down, a broker evaluating potential partners, or a shipper building a compliant carrier qualification program, BASIC scores should be a central part of your safety strategy. The carriers that treat BASIC scores as an ongoing management priority rather than a regulatory afterthought will have a significant competitive advantage in winning freight, securing insurance, and avoiding enforcement actions.

Ready to check a carrier's BASIC scores and safety data? Search any carrier on CarrierOwl to see their complete safety profile, including all six BASIC categories, inspection history, authority status, and insurance coverage.

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