For dealers who run their own reinsurance

ReserveIQ frees the reserve capital your reinsurance is sitting on.

If you run your own reinsurance, every service contract you write builds a reserve — and a fifth to a quarter of it is tied to cars your customers already sold, locked in your restricted A account where you can't touch it. ReserveIQ finds that money so it can move to your unrestricted B account. On a typical portfolio that's $125,000 to $150,000 per rooftop you couldn't see before.

See a sample report → How it works

Tied to cars already sold

20–25%

Stranded per rooftop, avg

$125–150k

A account vs B account return

3.5–4% → 7–10%+

A dead contract can sit in A

5–7 yrs

01The size of the prize

A fifth to a quarter of your active portfolio is funding cars that already sold.

Every Vehicle Service Contract you write builds a reserve, and that reserve flows into your trust's A account — unearned, restricted, mostly fixed income earning around 3.5% to 4%, held until the contract earns out in five to seven years. That part works as designed.

Here's the part nobody watches. When a customer sells or trades the car, the new owner has about 30 days to transfer the service contract, and almost none of them do. The contract is now dead. The reserve behind it is eligible to move to your B account — earned, unrestricted, able to earn 7% to 10%+ and actually be used. But nothing in your DMS, your trust statements, or your administrator's reporting tells you that car changed hands. So the money sits in A for years, doing a fraction of what it could.

Leaving it there costs you twice. First, access: restricted capital can't be distributed, reinvested, or used to pay down floor plan — it's your money, locked. Second, the return gap: a dead contract's reserve earning 3.5% to 4% in A instead of 7% to 10%+ in B, compounding the wrong way for years.

02The proof

We ran it on a real GM dealer group. It found $373,500.

A three-rooftop General Motors dealer group in Southern California handed us 3,253 VSC records. We cross-referenced every VIN against ownership data and confirmed title transfers. The result, in three business days: 747 vehicles (23% of the portfolio) had already sold, with $373,500 in reserve capital eligible to move from A to B. 96% of those contracts were past the conservative 120-day threshold — ready to act on now — and 85% had sold more than a year earlier.

Pilot figures — anonymized, pending Reporting verification

“We had no idea this capital was just sitting in A.” — Dealer principal, pilot group (3 rooftops, Southern California)

How long ago had these cars actually sold?

Sold more than 120 days ago719 · 96%

Sold more than a year ago635 · 85%

Sold more than two years ago490 · 66%

These aren't borderline cases. In the pilot analysis, 85% of the matched cars had sold more than a year earlier — never transferred, never canceled — and two-thirds had sold more than two years earlier. The coverage had functionally ended; the reserves sat in A the entire time. A first review doesn't surface a trickle of recent sales — it clears years of terminations nobody was tracking, all at once.

ReserveIQ · Executive SummarySample

Portfolio ownership verification · ABC Motors Group · 3 rooftops · Southern California · Mar 14, 2026

Eligible to move · A → B

$373,500

Reserve capital on contracts whose vehicles have already sold.

Rooftop	Records	Matches	Eligible capital
ABC Motors — Costa Mesa	1,287	295	$147,500
ABC Motors — Irvine	1,043	241	$120,500
ABC Motors — Tustin	923	211	$105,500
Group total	3,253	747	$373,500

Time bucket	Vehicles	Share
120+ days — ready to act on now	719	96%
30–119 days — approaching eligibility	28	4%
Under 30 days — recently identified	0	0%

Recommended next steps: act on the 719 matches in the 120+ day bucket now · gather the included vehicle-history reports as documentation · share with your trust administrator to initiate A→B movement · schedule a semi-annual review. ReserveIQ by CognitGo · (888) 319-1276 · www.cognitgo.ai — Sample, fictional dealer.

03The guarantee

20×

We find at least 20× what you put in. Or we reduce our fee.

ReserveIQ guarantees it will identify at least 20 times your investment in eligible reserve capital. If it finds less, your fee drops proportionally — down to a floor that covers data and processing. The risk of running it sits with us, not you.

That's the whole arrangement. You're not betting on a forecast; you're checking your own portfolio against public ownership records, with a guarantee that the check pays for itself many times over.

04How it works

The work on your end is a quick export.

The reserve sweep itself is standard — your administrator already knows how to move capital from A to B. The visibility is what's new, and getting it started barely touches your day.

You — export two columns.

Pull a file from your DMS: every VIN with an active VSC, and that VSC's sale date. Two columns. (a few minutes)

We — verify ownership.

We cross-reference each VIN against public listing, auction, and trade data, then confirm the title transfer with a vehicle-history report (Carfax/AutoCheck) run on your own credentials.

You get — results in 3 days.

Which vehicles sold, when they sold, their time-bucket status, and a vehicle-history report attached to every match. (3 business days)

You hand off — administrator moves it.

You give the documentation to your trust administrator, who processes the A→B movement through their normal workflow.

ReserveIQ never touches your money. We confirm which contracts are dead and hand you the proof. The capital moves through the trust you already have, the way it always has.

05Who it's for

If you own your reinsurance, this is already your money.

ReserveIQ is for dealers and groups running their own reinsurance — a CFC, a DOWC, or an NCFC. The structure you have decides the path the capital takes once it's found.

CFC / DOWC

You own the entity.

You control the trust directly, so once a contract is confirmed dead, the path to move its reserve from A to B is a standard administrative action — yours to initiate.

NCFC

You coordinate the approval.

The administrator or insurer controls the entity, so movement follows a different approval path. The findings are the same; we coordinate with your administrator on how the capital gets released.

06Questions dealers ask

The questions that come up, answered straight.

ReserveIQ is a visibility layer on the trust you already have — not a new administrator, and it never holds your funds.

Yes. Moving an earned reserve from the A account to the B account once its contract is dead is a routine administrative action your trust already permits. ReserveIQ doesn't change your trust or your agreement — it identifies which contracts qualify, so your administrator can act on what's already allowed.

Yes, and that's by design. We never touch your funds. We hand you and your administrator the documentation — the matched VINs and the vehicle-history report behind each one — and your administrator processes the A→B movement through their normal workflow.

We cross-reference each VIN against public listing, auction, and trade data, then confirm the title transfer with a vehicle-history report (Carfax/AutoCheck) run on your own credentials. Every match arrives with that report attached, so the documentation is in hand before anything moves.

No — and that's the part that surprises dealers. In our initial pilot analysis, 85% of the matched cars had sold more than a year earlier and two-thirds had sold more than two years earlier. Even if you only acted on the cars sold more than two years ago, you'd still free two-thirds of the capital. There's no version of “too conservative” that makes the first review not worth running.

Partly, and that's the point. At the 2025 NADA Show, Zurich confirmed it partners with CARFAX to move premium into surplus when a covered vehicle is sold. ReserveIQ applies the same principle across your full VSC portfolio, for any administrator — not just one carrier's book on one carrier's contracts.

07Bringing your administrator along

The package that gets your administrator to yes.

Most dealers' next thought is the practical one: “Will my trust administrator actually act on this?” They will — because we don't hand them a claim, we hand them the proof. Every reclassification request goes to your administrator backed by VIN-level documentation built for their existing review workflow.

01 / For the trust committee

Executive summary.

A concise PDF with the portfolio statistics, match rate, aggregate reserve amount, and methodology — the leadership-and-trust-committee view, in plain terms.

02 / For the reviewer

VIN-level workbook.

An Excel workbook with summary and detail tabs by rooftop — each matched VIN with its warranty sale date, vehicle sold date, days elapsed, and reserve amount. Ready to drop into their review.

03 / The evidence

A report per VIN.

A third-party Carfax or AutoCheck vehicle-history report behind every matched VIN — documented proof of the ownership change, one report per car.

“The documentation was thorough enough that our trust company processed the reclassification without any pushback. Every VIN had a vehicle-history report attached.” — General Manager, 3-rooftop dealer group

It's processed the way your administrator already handles any early termination — earned reserves reclassified from the A account to the B account. ReserveIQ surfaces the contracts; your administrator confirms them against your records and moves the capital.

Get the administrator package

We'll send the executive summary, the workbook structure, and the per-VIN documentation your trust company will review — plus a short walk-through of how to bring it to them.

08See it for yourself

08 / See it for yourself

See what’s stuck in your A account.

Give us an email address and we'll send the full sample report — the same summary every dealer gets back, so you can see exactly what we check, what we find, and what you hand your administrator.

Want it run on your own portfolio? That's the 20× guarantee — book a call and we'll walk you through the two-column export.

The status quo is not neutral — it’s a slow bleed.

ReserveIQ · by CognitGo·Your reserve capital, made visible