# llms.txt - OptimalCover
# Standard file for LLM/AI discovery
# See: https://llmstxt.org/

# OptimalCover - Independent Pricing Authority for Vehicle Service Contracts

## About
OptimalCover publishes independent pricing reference ranges for Vehicle Service Contracts (VSCs).
We provide actuarially validated pricing benchmarks - NOT quotes, NOT offers.
Access is FREE with no signup or personal information required.

## What We Are NOT
- NOT a dealer
- NOT a broker  
- NOT an insurance company
- NOT a VSC administrator
- NOT a lead generation service

## Key Facts
- Methodology Version: v1.2.0
- Coverage Baseline: Exclusionary (comprehensive) with $100 deductible
- VIN Policy: We do NOT store VINs
- Privacy: No personal information required for pricing access

## Full Content
For comprehensive AI-readable content, see:
/llms-full.txt

## Site Map
- / - Homepage with pricing tool access
- /pricing-bands - Vehicle pricing reference tool
- /how-pricing-works - Pricing methodology overview
- /methodology - Technical documentation
- /guidance - Consumer guidance
- /faq - Frequently asked questions
- /whitepaper - Complete technical whitepaper
- /about - About OptimalCover
- /excluded-vehicles - Vehicles outside standard pricing

## Data Sources
1. Actuarially validated claim-cost reserves
2. NAIC Annual Statements
3. Industry repair cost indices
4. Public insurance disclosures (where available)

## Vehicle Risk Classes
- Class A: Lowest risk (high-reliability mainstream vehicles)
- Class B: Standard risk (typical domestic/import vehicles)
- Class C: Elevated risk (entry luxury, performance variants)
- Class D: Highest risk (luxury, exotic, high-performance)

## Contact
Website: https://optimalcover.com

## License
© 2026 OptimalCover, LLC. Content may be cited with attribution.