Insurance

Rate on the vehicle, not the form

A policy row describes a vehicle somebody typed. Cardog resolves each row to the vehicle it is, or says it could not, and hands back what a rate is built on.

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row as receivedresolved from the VINrefused, with the reason

The identity layer

No more guessing which vehicle the row means

Broker, policy admin and claims each spell the vehicle their own way. Matched on the name, one of those spellings lands on the wrong vehicle, and the rate is wrong all term.

On the application

row 05 · as it arrived

KIA EV9 GT-LINE

KNDCE6LK8T5041627

Matched on the name

2024 Kia EV6score 0.94

nearest string: a different model, two model years out

Resolved from the VIN

2026 Kia EV9 · sport utility

tenth character T · model year 2026

model-year:kia/ev9/2026

One row, two answers. The rate is built on whichever one comes back.

Keying a book of vehicles

10 rows as received

Row as received

Matched on the name

Resolved from the VIN

Row as received

CHEV EQUINOX LT AWD

3GNAXKEV9SL233176

Matched on the nameno match"CHEV" is not "CHEVROLET"

Resolved from the VIN

2025 Chevrolet Equinox · sport utility

model-year:chevrolet/equinox/2025

Row as received

TOYOTA RAV-4 HYBRID XLE

2T3W1RFV3SC776931

Matched on the nameno matchhyphen

Resolved from the VIN

2025 Toyota RAV4 · sport utility

model-year:toyota/rav4/2025

Row as received

RAV4 HYB XLE AWD

2T3W1RFV8SC781204

Matched on the nameno matchno make on the row

Resolved from the VIN

2025 Toyota RAV4 · sport utility

model-year:toyota/rav4/2025

same build as row 02

Row as received

HONDA CIVIC 4DR

2HGFC2F54KH012345

Matched on the name14 candidates, no single match

Resolved from the VIN

2019 Honda Civic · sedan

model-year:honda/civic/2019

Row as received

KIA EV9 GT-LINE

KNDCE6LK8T5041627

Matched on the namematched, and wrongKIA / EV6 / 2024nearest string, different vehicle

Resolved from the VIN

2026 Kia EV9 · sport utility

model-year:kia/ev9/2026

Row as received

HYUNDAI IONIQ LTD AWD

KMHKR0AF5SU148802

Matched on the namematched, and wrongHYUNDAI / IONIQ / 2021the Ioniq and the IONIQ 5 are two nameplates

Resolved from the VIN

2025 Hyundai IONIQ 5 · sport utility

model-year:hyundai/ioniq-5/2025

Row as received

2021 CHEVROLET EQUINOX LT

3GNAXKEG5RL227046

Matched on the namematched, and wrongCHEVROLET / EQUINOX / 2021took the year off the row, not the VIN

Resolved from the VIN

2024 Chevrolet Equinox · sport utility

model-year:chevrolet/equinox/2024

Row as received

MAZDA CX5 GT

JM3KFBBM8N0554128

Matched on the nameno match"CX5" is not "CX-5"

Resolved from the VIN

2022 Mazda CX-5 · sport utility

model-year:mazda/cx-5/2022

Row as received

HONDA CR-V EX-L AWD

2HKRW2H86MH512740

Matched on the namematchedHONDA / CR-V / 2021

Resolved from the VIN

2021 Honda CR-V · sport utility

model-year:honda/cr-v/2021

Row as received

FORD / CIVIC

no VIN in the row

Matched on the name2 candidates, no single match

Resolved from the VIN

not resolvedMake and model cannot both be true, and no VIN to settle it

Returned a vehiclefuzzy 4 of 10keyed 9 of 10

Returned the right vehiclefuzzy 1 of 10keyed 9 of 10

Sample policy rows · each key is computed from the VIN beside it, so it cannot drift from it.

One policy

What a rate is built on, at the quote and at the claim

The vehicle record an underwriter rates on, each field with its source. On the day of the loss, the same vehicle’s live market position.

At the quote

2025 Tesla Model Y Performance

7SAYGDEE·SF······

Rated on

9 of 10 fields sourced

MakeTeslaVIN pattern

ModelModel YVIN pattern

Model year2025VIN pattern

TrimPerformanceOEM catalogue

BodySport utilityNHTSA

DriveAWD, dual motorNHTSA

EnergyElectricNHTSA

Seats5OEM catalogue

AssemblyFremont, CANHTSA

Curb weightnot on recordno source on record

Sample record. The VIN is masked: the manufacturer, build, year and plant characters are shown, the serial is not.

2025 Tesla Model Y Performance

Median ask · 132 live

$58,400−$6,200 (−9.6%)1Y

$58,400

SepJanMaySep

Best offer: $52,900
Median ask: $58,400
P25 – P75: $55,900 – $61,700
Avg days listed: 41d
Price cuts · 30d: 27
Live comparables: 132

Sample quote. The median a settlement is argued from, its move over the year, and how long these take to sell.

Across the book

The whole book, read again before renewal

Rows resolved, rows refused, and rows whose vehicle, value or open campaigns changed since the term was rated, each count against the book it came from.

Renewal pass

1,240 rows in the book

1,187of 1,240 resolved · 95.7%

Unchanged973
Value moved96
Campaign opened74
Different vehicle44
Refused53

Refused, with the reason: 53 of 1,240
Rated on a different vehicle last term: 44 of 1,187
A campaign opened this term: 74 of 1,187

Sample pass. The hatched share is the rows that could not be resolved; each carries its reason.

Open campaigns across the book

1,187 resolved rows

212of 1,187 carry an open campaign · 17.9%

Campaigns opened against the book, by month

OctNovDecJanFebMarAprMayJunJulAugSep

Remedy not yet available: 61 of 212
Opened this month: 38
Sources: Transport Canada · NHTSA

Sample book. Campaigns from Transport Canada and NHTSA, matched to each row by VIN and refreshed every night.

Absence is an answer

A row that cannot be true is refused, not guessed

A miss is visible: the row falls out of the book and somebody chases it. A confident wrong match is not. One candidate comes back, the rate is built on a different vehicle, and nothing says so until a loss does.