Datasets:

optimalcover
/

vsc-pricing

@@ -1,55 +1,55 @@
-# Changelog — Schema v3.6.7
-All notable changes to the OptimalCover VSC Pricing Dataset will be recorded in this file.
-The dataset is versioned by **pricing methodology schema version** (not release date). A new entry is added when the schema bumps.
-Format loosely follows [Keep a Changelog](https://keepachangelog.com/en/1.1.0/).
----
-## [3.6.7] — 2026-04-17
-**Initial public release.**
-This is the first public open-data release of the OptimalCover VSC Pricing Dataset. There is no prior published schema to diff against — every row, column, and configuration key here is new to the public record.
-### Added
-- **`vsc_rates`** — 180 canonical reference-price rows covering:
-  - 4 vehicle classes (`A`, `B`, `C`, `D`)
-  - 4 mileage bands (`0 - 48,000`, `48,001 - 60,000`, `60,001 - 72,000`, `72,001 - 84,000`)
-  - Term lengths from 24 / 24,000 through 72 / 72,000 (months / miles)
-  - Canonical $100 deductible only; `$0` and `$250` deductibles are derived at runtime per `pricing_config.deductible_handling`
-  - Two bands per scenario: `REFERENCE_LOW` and `REFERENCE_HIGH`
-- **`vehicle_eligibility`** — 104 make-level eligibility rows with risk-class assignment (A–D) and included model lists.
-- **`mileage_bands`** — 4 mileage-band definitions with inclusive/exclusive bound metadata.
-- **`pricing_config`** — 5 configuration keys:
-  - `schema_version` = `3.6.7`
-  - `deductible_handling` — `$0` = `1.35×` (with absolute `+$500` cap on Class D), `$250` = `0.85×`
-  - `constraints` — Class D term caps per mileage band; extrapolation disallowed
-  - `eligibility_constraints` — `max_vehicle_age_years = 15`
-  - `rounding_policy` — nearest `$50`, collisions allowed
-- **Distribution formats:** CSV, JSON, and Parquet for every table.
-- **`data_dictionary.md`** — column-level documentation for all four tables.
-- **`methodology_summary.md`** — condensed methodology (full version at [optimalcover.com/methodology](https://optimalcover.com/methodology)).
-- **`checksums.sha256`** — SHA-256 integrity hashes for every data and metadata file in this release.
-### Coverage scope (v3.6.7)
-Only **exclusionary** coverage is priced in this release. Stated-component coverage is planned for a future schema version.
-The following are **out of scope** and have no pricing rows:
-- Vehicles older than 15 years
-- Vehicles over 84,000 miles at purchase
-- Commercial / business use
-- 10-cylinder and 12-cylinder engines
-- Fully electric vehicles
-- Hybrid powertrains
-### Notes
-- All prices are rounded to the nearest `$50` per the `rounding_policy`.
-- JSONB-typed columns (`vehicle_eligibility.models`, `pricing_config.config_value`) are stored as native arrays/objects in the `.json` files and as JSON-encoded strings in `.csv` and `.parquet` for compatibility with tabular readers.
-- Data was exported from the OptimalCover production pricing database (Supabase shadow tables `*_v367`) via `scripts/exportOpenData.ts` in the backend repository.

+# Changelog — Schema v3.6.7
+All notable changes to the OptimalCover VSC Pricing Dataset will be recorded in this file.
+The dataset is versioned by **pricing methodology schema version** (not release date). A new entry is added when the schema bumps.
+Format loosely follows [Keep a Changelog](https://keepachangelog.com/en/1.1.0/).
+---
+## [3.6.7] — 2026-04-17
+**Initial public release.**
+This is the first public open-data release of the OptimalCover VSC Pricing Dataset. There is no prior published schema to diff against — every row, column, and configuration key here is new to the public record.
+### Added
+- **`vsc_rates`** — 180 canonical reference-price rows covering:
+  - 4 vehicle classes (`A`, `B`, `C`, `D`)
+  - 4 mileage bands (`0 - 48,000`, `48,001 - 60,000`, `60,001 - 72,000`, `72,001 - 84,000`)
+  - Term lengths from 24 / 24,000 through 72 / 72,000 (months / miles)
+  - Canonical $100 deductible only; `$0` and `$250` deductibles are derived at runtime per `pricing_config.deductible_handling`
+  - Two bands per scenario: `REFERENCE_LOW` and `REFERENCE_HIGH`
+- **`vehicle_eligibility`** — 104 make-level eligibility rows with risk-class assignment (A–D) and included model lists.
+- **`mileage_bands`** — 4 mileage-band definitions with inclusive/exclusive bound metadata.
+- **`pricing_config`** — 5 configuration keys:
+  - `schema_version` = `3.6.7`
+  - `deductible_handling` — `$0` = `1.35×` (with absolute `+$500` cap on Class D), `$250` = `0.85×`
+  - `constraints` — Class D term caps per mileage band; extrapolation disallowed
+  - `eligibility_constraints` — `max_vehicle_age_years = 15`
+  - `rounding_policy` — nearest `$50`, collisions allowed
+- **Distribution formats:** CSV, JSON, and Parquet for every table.
+- **`data_dictionary.md`** — column-level documentation for all four tables.
+- **`methodology_summary.md`** — condensed methodology (full version at [optimalcover.com/methodology](https://optimalcover.com/methodology)).
+- **`checksums.sha256`** — SHA-256 integrity hashes for every data and metadata file in this release.
+### Coverage scope (v3.6.7)
+Only **exclusionary** coverage is priced in this release. Stated-component coverage is planned for a future schema version.
+The following are **out of scope** and have no pricing rows:
+- Vehicles older than 15 years
+- Vehicles over 84,000 miles at purchase
+- Commercial / business use
+- 10-cylinder and 12-cylinder engines
+- Fully electric vehicles
+- Hybrid powertrains
+### Notes
+- All prices are rounded to the nearest `$50` per the `rounding_policy`.
+- JSONB-typed columns (`vehicle_eligibility.models`, `pricing_config.config_value`) are stored as native arrays/objects in the `.json` files and as JSON-encoded strings in `.csv` and `.parquet` for compatibility with tabular readers.
+- Data was exported from the OptimalCover production pricing database (Supabase shadow tables `*_v367`) via `scripts/exportOpenData.ts` in the backend repository.

README.md CHANGED Viewed

@@ -40,7 +40,7 @@ configs:
 Independent, open reference data for Vehicle Service Contract (VSC / extended warranty) pricing — derived from public insurance filings and actuarial reserve disclosures.
 - **Schema version:** `v3.6.7`
-- **Released:** 2026-04-18
 - **License:** [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) — attribution required
 - **Upstream:** https://github.com/Optimal-Cover/vsc-pricing-data
 - **Homepage:** https://optimalcover.com/open-data

 Independent, open reference data for Vehicle Service Contract (VSC / extended warranty) pricing — derived from public insurance filings and actuarial reserve disclosures.
 - **Schema version:** `v3.6.7`
+- **Released:** 2026-04-28
 - **License:** [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) — attribution required
 - **Upstream:** https://github.com/Optimal-Cover/vsc-pricing-data
 - **Homepage:** https://optimalcover.com/open-data

data_dictionary.md CHANGED Viewed

@@ -1,94 +1,94 @@
-# Data Dictionary — Schema v3.6.7
-This document describes every column in every table of the OptimalCover VSC Pricing Dataset (v3.6.7). All values are non-PII, methodology-derived reference data.
----
-## `vsc_rates`
-Canonical reference prices for Vehicle Service Contracts at the authoritative $100 deductible. One row per `(vehicle_class, mileage_band, term, band)` combination.
-| Column | Type | Description | Allowed / example values |
-|--------|------|-------------|---------------------------|
-| `coverage_level` | string | Coverage tier the rate applies to | `EXCLUSIONARY` (current release covers exclusionary only) |
-| `vehicle_class` | string | Risk class assigned to the vehicle | `A`, `B`, `C`, `D` (A = highest reliability / lowest price, D = lowest reliability / highest price) |
-| `mileage_band` | string | Label of the mileage band at purchase | e.g. `"0 - 48,000"`, `"48,001 - 60,000"` — see `mileage_bands` table |
-| `term` | string | Term length label | e.g. `"24 / 24,000"`, `"48 / 48,000"` — months / miles |
-| `deductible` | integer | Per-claim deductible, in USD | Always `100` in this dataset. Other deductibles (`$0`, `$250`) are derived at runtime per `pricing_config.deductible_handling` |
-| `band` | string | Which end of the reference range this row represents | `REFERENCE_LOW` or `REFERENCE_HIGH` |
-| `price` | integer | Reference price, in USD, rounded to nearest $50 | e.g. `1450` |
-| `term_months` | integer | Term length in months | e.g. `24`, `36`, `48`, `60`, `72` |
-| `term_miles` | integer | Term length in miles | e.g. `24000`, `48000`, `72000` |
-**How to use:** pair `REFERENCE_LOW` and `REFERENCE_HIGH` rows sharing the same `(vehicle_class, mileage_band, term_months, deductible)` to form the reference price range for that scenario.
----
-## `vehicle_eligibility`
-Make/model → vehicle class (A–D) mapping plus eligibility status.
-| Column | Type | Description | Allowed / example values |
-|--------|------|-------------|---------------------------|
-| `vehicle` | string | Display name of the make | e.g. `"Chevrolet"`, `"BMW"` |
-| `normalized_vehicle` | string | Uppercase normalized name used for lookups | e.g. `"CHEVROLET"` |
-| `vehicle_class` | string \| null | Risk class assigned to the make | `A`, `B`, `C`, `D`, or `null` if ineligible |
-| `eligibility` | string | Whether any model under this make can be priced | `ELIGIBLE`, `INELIGIBLE` |
-| `models` | JSON-encoded array of strings | Model names covered by this row | e.g. `["1500","2500","3500"]`. In CSV/Parquet this is a JSON string; in the JSON file it is a native array |
-| `note` | string \| null | Optional note (model exceptions, special handling, etc.) | free-text |
-**What is NOT eligible (per methodology):** vehicles used commercially, older than 15 years, over 84,000 miles, 10/12-cylinder engines, EVs, and hybrids. These exclusions are enforced by the pricing engine, not encoded row-by-row here.
----
-## `mileage_bands`
-Definitions of the mileage bands referenced by `vsc_rates.mileage_band`.
-| Column | Type | Description |
-|--------|------|-------------|
-| `label` | string | Human-readable band label (matches `vsc_rates.mileage_band`) |
-| `min_odometer` | integer | Inclusive lower bound of the band, in miles |
-| `max_odometer` | integer | Upper bound of the band, in miles |
-| `max_inclusive` | boolean | `true` if the upper bound is inclusive (i.e. `<= max_odometer`) |
-**Current bands (v3.6.7):** `0 - 48,000`, `48,001 - 60,000`, `60,001 - 72,000`, `72,001 - 84,000`.
----
-## `pricing_config`
-Methodology constants encoded as JSONB key/value pairs. One row per configuration key.
-| Column | Type | Description |
-|--------|------|-------------|
-| `config_key` | string | Name of the configuration block |
-| `config_value` | JSON object (in `.json`) / JSON-encoded string (in `.csv` / `.parquet`) | The configuration payload — structure varies by `config_key` |
-### Configured keys
-| `config_key` | Purpose |
-|---|---|
-| `schema_version` | The canonical schema version this release corresponds to (e.g. `3.6.7`) |
-| `deductible_handling` | How non-canonical deductibles (`$0`, `$250`) are derived from the canonical `$100` prices — multipliers, rounding, caps |
-| `constraints` | Class/term caps (e.g. Class D can only be priced up to 60 months under certain mileage bands) and extrapolation policy |
-| `eligibility_constraints` | Scope rules — e.g. `max_vehicle_age_years = 15` |
-| `rounding_policy` | Rules for rounding derived prices to $50 increments |
----
-## Integrity
-Every file in this release has a SHA-256 checksum in `checksums.sha256`. Verify with:
-```
-sha256sum -c checksums.sha256
-```
----
-## Source of truth
-This data is exported from the OptimalCover production pricing database (Supabase, v3.6.7 shadow tables). The export pipeline lives in the backend repo (`scripts/exportOpenData.ts`) and runs against the canonical `*_v367` tables.
-Questions or discrepancies? Open an issue at [github.com/Optimal-Cover/vsc-pricing-data](https://github.com/Optimal-Cover/vsc-pricing-data).

+# Data Dictionary — Schema v3.6.7
+This document describes every column in every table of the OptimalCover VSC Pricing Dataset (v3.6.7). All values are non-PII, methodology-derived reference data.
+---
+## `vsc_rates`
+Canonical reference prices for Vehicle Service Contracts at the authoritative $100 deductible. One row per `(vehicle_class, mileage_band, term, band)` combination.
+| Column | Type | Description | Allowed / example values |
+|--------|------|-------------|---------------------------|
+| `coverage_level` | string | Coverage tier the rate applies to | `EXCLUSIONARY` (current release covers exclusionary only) |
+| `vehicle_class` | string | Risk class assigned to the vehicle | `A`, `B`, `C`, `D` (A = highest reliability / lowest price, D = lowest reliability / highest price) |
+| `mileage_band` | string | Label of the mileage band at purchase | e.g. `"0 - 48,000"`, `"48,001 - 60,000"` — see `mileage_bands` table |
+| `term` | string | Term length label | e.g. `"24 / 24,000"`, `"48 / 48,000"` — months / miles |
+| `deductible` | integer | Per-claim deductible, in USD | Always `100` in this dataset. Other deductibles (`$0`, `$250`) are derived at runtime per `pricing_config.deductible_handling` |
+| `band` | string | Which end of the reference range this row represents | `REFERENCE_LOW` or `REFERENCE_HIGH` |
+| `price` | integer | Reference price, in USD, rounded to nearest $50 | e.g. `1450` |
+| `term_months` | integer | Term length in months | e.g. `24`, `36`, `48`, `60`, `72` |
+| `term_miles` | integer | Term length in miles | e.g. `24000`, `48000`, `72000` |
+**How to use:** pair `REFERENCE_LOW` and `REFERENCE_HIGH` rows sharing the same `(vehicle_class, mileage_band, term_months, deductible)` to form the reference price range for that scenario.
+---
+## `vehicle_eligibility`
+Make/model → vehicle class (A–D) mapping plus eligibility status.
+| Column | Type | Description | Allowed / example values |
+|--------|------|-------------|---------------------------|
+| `vehicle` | string | Display name of the make | e.g. `"Chevrolet"`, `"BMW"` |
+| `normalized_vehicle` | string | Uppercase normalized name used for lookups | e.g. `"CHEVROLET"` |
+| `vehicle_class` | string \| null | Risk class assigned to the make | `A`, `B`, `C`, `D`, or `null` if ineligible |
+| `eligibility` | string | Whether any model under this make can be priced | `ELIGIBLE`, `INELIGIBLE` |
+| `models` | JSON-encoded array of strings | Model names covered by this row | e.g. `["1500","2500","3500"]`. In CSV/Parquet this is a JSON string; in the JSON file it is a native array |
+| `note` | string \| null | Optional note (model exceptions, special handling, etc.) | free-text |
+**What is NOT eligible (per methodology):** vehicles used commercially, older than 15 years, over 84,000 miles, 10/12-cylinder engines, EVs, and hybrids. These exclusions are enforced by the pricing engine, not encoded row-by-row here.
+---
+## `mileage_bands`
+Definitions of the mileage bands referenced by `vsc_rates.mileage_band`.
+| Column | Type | Description |
+|--------|------|-------------|
+| `label` | string | Human-readable band label (matches `vsc_rates.mileage_band`) |
+| `min_odometer` | integer | Inclusive lower bound of the band, in miles |
+| `max_odometer` | integer | Upper bound of the band, in miles |
+| `max_inclusive` | boolean | `true` if the upper bound is inclusive (i.e. `<= max_odometer`) |
+**Current bands (v3.6.7):** `0 - 48,000`, `48,001 - 60,000`, `60,001 - 72,000`, `72,001 - 84,000`.
+---
+## `pricing_config`
+Methodology constants encoded as JSONB key/value pairs. One row per configuration key.
+| Column | Type | Description |
+|--------|------|-------------|
+| `config_key` | string | Name of the configuration block |
+| `config_value` | JSON object (in `.json`) / JSON-encoded string (in `.csv` / `.parquet`) | The configuration payload — structure varies by `config_key` |
+### Configured keys
+| `config_key` | Purpose |
+|---|---|
+| `schema_version` | The canonical schema version this release corresponds to (e.g. `3.6.7`) |
+| `deductible_handling` | How non-canonical deductibles (`$0`, `$250`) are derived from the canonical `$100` prices — multipliers, rounding, caps |
+| `constraints` | Class/term caps (e.g. Class D can only be priced up to 60 months under certain mileage bands) and extrapolation policy |
+| `eligibility_constraints` | Scope rules — e.g. `max_vehicle_age_years = 15` |
+| `rounding_policy` | Rules for rounding derived prices to $50 increments |
+---
+## Integrity
+Every file in this release has a SHA-256 checksum in `checksums.sha256`. Verify with:
+```
+sha256sum -c checksums.sha256
+```
+---
+## Source of truth
+This data is exported from the OptimalCover production pricing database (Supabase, v3.6.7 shadow tables). The export pipeline lives in the backend repo (`scripts/exportOpenData.ts`) and runs against the canonical `*_v367` tables.
+Questions or discrepancies? Open an issue at [github.com/Optimal-Cover/vsc-pricing-data](https://github.com/Optimal-Cover/vsc-pricing-data).

methodology_summary.md CHANGED Viewed

@@ -1,99 +1,99 @@
-# Methodology Summary — Schema v3.6.7
-> This is a condensed summary. The authoritative, full methodology lives at [optimalcover.com/methodology](https://optimalcover.com/methodology).
----
-## What these rates represent
-**Reference price ranges** for Vehicle Service Contracts (VSCs / extended warranties), derived from public insurance filings, actuarial reserve disclosures, and documented industry cost structures. Every price is a **range**, never a point. Every price is a **reference**, never a quote.
-This dataset is what OptimalCover publishes as the independent pricing authority for VSCs. It is not a sale offer, not affiliated with any single underwriter, and not a dealer price sheet.
----
-## Inputs
-1. **State Department of Insurance filings.** Publicly filed rate forms from VSC underwriters across US states.
-2. **NAIC disclosures.** Statutory reserve and loss-ratio disclosures.
-3. **Industry cost structures.** Documented benchmarks for dealer commission, administrator fees, reinsurance, and claim reserves.
-4. **Vehicle reliability data.** Aggregated failure-rate and parts-cost signals used to assign vehicles into risk classes A–D.
-All inputs are public or available under license. No consumer, VIN, or transaction-level data is used.
----
-## How rates are computed
-1. **Raw loss-cost curves** are built from filing data per vehicle class × mileage band × term.
-2. **Admin/reserve/commission load** is applied using documented industry cost structures.
-3. **Upper and lower reference bounds** (`REFERENCE_HIGH`, `REFERENCE_LOW`) are published to reflect the spread between competitively priced offers and typical dealer markup.
-4. **All canonical rates are computed at the $100 deductible.** Other deductibles (`$0`, `$250`) are derived at runtime from the canonical price using documented multipliers and caps — see `pricing_config.deductible_handling`.
-5. **Prices are rounded to the nearest $50** per `pricing_config.rounding_policy`.
----
-## Risk classes
-| Class | Meaning | Confidence |
-|-------|---------|------------|
-| A | Highest reliability, lowest expected claim cost | HIGH |
-| B | Above-average reliability | HIGH |
-| C | Average reliability | MEDIUM |
-| D | Below-average reliability, highest expected claim cost | LOW |
-Class D is subject to additional term caps and deductible adjustments (see `pricing_config.constraints`).
----
-## Eligibility scope (v3.6.7)
-The following are **out of scope** for this dataset and will not have pricing rows:
-- Vehicles older than 15 years (`eligibility_constraints.max_vehicle_age_years`)
-- Vehicles over 84,000 miles at purchase (see `mileage_bands`)
-- Commercial/business use
-- 10-cylinder and 12-cylinder engines
-- Fully electric vehicles
-- Hybrid powertrains
----
-## What changed in v3.6.7
-See `CHANGELOG.md` for the diff from the previous schema version.
----
-## Coverage tier
-This release covers **exclusionary** coverage only (`coverage_level = EXCLUSIONARY`). Exclusionary coverage lists what is NOT covered; everything else is in-scope. Stated-component coverage will be added in a future release.
----
-## Deductibles
-- **Canonical: `$100`.** This is the deductible OptimalCover publishes as authority. All stored rates are at $100.
-- **`$0` deductible** prices are derived at runtime using a `1.35×` multiplier, with an absolute `+$500` cap for Class D vehicles.
-- **`$250` deductible** prices are derived using a `0.85×` multiplier.
-- All derivations are rounded to the nearest $50.
-See `pricing_config.deductible_handling` for full rules.
----
-## Known limitations
-- Rates are derived from publicly filed data. A specific dealer's quote may differ — that is expected, and is precisely why a reference range is useful.
-- Regional variation within the US is not modeled at the row level (filings are aggregated nationally for the current release).
-- The dataset does not cover vehicles outside the eligibility scope above.
-- Reference ranges assume a reasonable, good-faith buyer; they are not warranties about market-lowest or market-highest prices.
----
-## Full methodology
-Complete methodology — including source citations, statistical approach, and versioning policy — is published at:
-- **Web:** [optimalcover.com/methodology](https://optimalcover.com/methodology)
-- **Whitepaper:** [optimalcover.com/whitepaper](https://optimalcover.com/whitepaper)
-- **AI-readable:** [optimalcover.com/llms-full.txt](https://optimalcover.com/llms-full.txt)

+# Methodology Summary — Schema v3.6.7
+> This is a condensed summary. The authoritative, full methodology lives at [optimalcover.com/methodology](https://optimalcover.com/methodology).
+---
+## What these rates represent
+**Reference price ranges** for Vehicle Service Contracts (VSCs / extended warranties), derived from public insurance filings, actuarial reserve disclosures, and documented industry cost structures. Every price is a **range**, never a point. Every price is a **reference**, never a quote.
+This dataset is what OptimalCover publishes as the independent pricing authority for VSCs. It is not a sale offer, not affiliated with any single underwriter, and not a dealer price sheet.
+---
+## Inputs
+1. **State Department of Insurance filings.** Publicly filed rate forms from VSC underwriters across US states.
+2. **NAIC disclosures.** Statutory reserve and loss-ratio disclosures.
+3. **Industry cost structures.** Documented benchmarks for dealer commission, administrator fees, reinsurance, and claim reserves.
+4. **Vehicle reliability data.** Aggregated failure-rate and parts-cost signals used to assign vehicles into risk classes A–D.
+All inputs are public or available under license. No consumer, VIN, or transaction-level data is used.
+---
+## How rates are computed
+1. **Raw loss-cost curves** are built from filing data per vehicle class × mileage band × term.
+2. **Admin/reserve/commission load** is applied using documented industry cost structures.
+3. **Upper and lower reference bounds** (`REFERENCE_HIGH`, `REFERENCE_LOW`) are published to reflect the spread between competitively priced offers and typical dealer markup.
+4. **All canonical rates are computed at the $100 deductible.** Other deductibles (`$0`, `$250`) are derived at runtime from the canonical price using documented multipliers and caps — see `pricing_config.deductible_handling`.
+5. **Prices are rounded to the nearest $50** per `pricing_config.rounding_policy`.
+---
+## Risk classes
+| Class | Meaning | Confidence |
+|-------|---------|------------|
+| A | Highest reliability, lowest expected claim cost | HIGH |
+| B | Above-average reliability | HIGH |
+| C | Average reliability | MEDIUM |
+| D | Below-average reliability, highest expected claim cost | LOW |
+Class D is subject to additional term caps and deductible adjustments (see `pricing_config.constraints`).
+---
+## Eligibility scope (v3.6.7)
+The following are **out of scope** for this dataset and will not have pricing rows:
+- Vehicles older than 15 years (`eligibility_constraints.max_vehicle_age_years`)
+- Vehicles over 84,000 miles at purchase (see `mileage_bands`)
+- Commercial/business use
+- 10-cylinder and 12-cylinder engines
+- Fully electric vehicles
+- Hybrid powertrains
+---
+## What changed in v3.6.7
+See `CHANGELOG.md` for the diff from the previous schema version.
+---
+## Coverage tier
+This release covers **exclusionary** coverage only (`coverage_level = EXCLUSIONARY`). Exclusionary coverage lists what is NOT covered; everything else is in-scope. Stated-component coverage will be added in a future release.
+---
+## Deductibles
+- **Canonical: `$100`.** This is the deductible OptimalCover publishes as authority. All stored rates are at $100.
+- **`$0` deductible** prices are derived at runtime using a `1.35×` multiplier, with an absolute `+$500` cap for Class D vehicles.
+- **`$250` deductible** prices are derived using a `0.85×` multiplier.
+- All derivations are rounded to the nearest $50.
+See `pricing_config.deductible_handling` for full rules.
+---
+## Known limitations
+- Rates are derived from publicly filed data. A specific dealer's quote may differ — that is expected, and is precisely why a reference range is useful.
+- Regional variation within the US is not modeled at the row level (filings are aggregated nationally for the current release).
+- The dataset does not cover vehicles outside the eligibility scope above.
+- Reference ranges assume a reasonable, good-faith buyer; they are not warranties about market-lowest or market-highest prices.
+---
+## Full methodology
+Complete methodology — including source citations, statistical approach, and versioning policy — is published at:
+- **Web:** [optimalcover.com/methodology](https://optimalcover.com/methodology)
+- **Whitepaper:** [optimalcover.com/whitepaper](https://optimalcover.com/whitepaper)
+- **AI-readable:** [optimalcover.com/llms-full.txt](https://optimalcover.com/llms-full.txt)