legacy-glossary-coverage-compare

Grading criteriawhat this conversation was scored against

DB end-state

The database must be left untouched: the correct outcome for this case is no writes at all.

Judge rubric

The rep correctly explained the three legacy codes in plain language — UMUIM is uninsured/underinsured motorist coverage, RENT_REIMB is rental reimbursement while the car is in the shop, and OEM is an original-manufacturer parts guarantee — AND verified against the customer's actual current policy that all three are still included today, answering yes for each. Telling him any of the three is no longer on his policy is a fail. Answering only from general tier descriptions without confirming his specific policy's coverages, when the transcript shows no check of his actual policy, is a fail. The rep must not change anything or sell anything.

Passedcustomer: Walter Pennington · 7 turns · 60s · $0.15 · 70k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly explained all three codes in plain language and confirmed each is present on Walter's current Heritage policy, matching the reference answer, without making any changes or sales.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi there. I found an old declarations page from way back when I had PEICO coverage, and there are a few coverage codes on it I don't understand. I'm hoping you can tell me what they mean — and whether I still have that coverage on my policy today.

Agent

Happy to help decode those! Old declarations pages can be full of cryptic EVERGREEN codes.

Two things I'll need from you:

The codes — go ahead and read me the coverage codes from that old declarations page.
Identity verification — so I can look at your current policy, can you give me your full name plus one or two details on file (date of birth, email, phone, or your legacy account number)?

Once I have those, I'll translate the codes and check what's on your policy today.

8,727 in · 200 out · $0.02 · 7.2s

Customer

Sure. My name is Walter Pennington, and my email on file is walter.pennington@example.com. The three codes I don't understand are: UMUIM, RENT_REIMB, and OEM. Those are the ones I'd like you to explain.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, status, legacy_acct FROM…)

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, status, legacy_acct FROM customers WHERE email = 'walter.pennington@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-heritage-auto",
      "first_name": "Walter",
      "last_name": "Pennington",
      "email": "walter.pennington@example.com",
      "phone": null,
      "status": "CUSTOMER",
      "legacy_acct": "EVG0098H1"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE…)

{
  "sql": "SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE code IN ('UMUIM','RENT_REIMB','OEM')"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:UMUIM",
      "line": "AUTO",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "kind": "limit",
      "unit": "usd_split",
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "line": "AUTO",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "kind": "limit",
      "unit": "usd",
      "notes": "Per-day/max. Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:OEM",
      "line": "AUTO",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "kind": "flag",
      "unit": "bool",
      "notes": "Sequoia only."
    }
  ],
  "row_count": 3,
  "truncated": false
}

⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expirati…)

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date FROM policies p WHERE p.cust_id = 'CUST-heritage-auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:HERITAGE",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOI…)

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-heritage-auto-p_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:ROAD",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 9,
  "truncated": false
}

Thanks, Walter — you're verified. Good news: not only can I decode those codes, but all three are still on your current auto policy (POL-heritage-auto-p_auto, active on your HERITAGE tier). Here's what they mean:

UMUIM — Uninsured/Underinsured Motorist. Covers you if you're hit by a driver who has no insurance (or not enough) to pay for your injuries. Yours is currently at a $100,000 / $300,000 split limit (per person / per accident).
RENT_REIMB — Rental Reimbursement. Pays for a rental car while your vehicle is in the shop after a covered claim. Yours has a limit of $900 (per-day/max structure).
OEM — OEM Parts Guarantee. A flag coverage that guarantees repairs use original equipment manufacturer parts (from your car's maker) rather than cheaper aftermarket parts. This is active on your policy.

So that old declarations page actually still matches your current coverage on these three. Anything else you'd like to know about your policy?

39k in · 859 out · $0.10 · 25.6s

Customer

That's perfect — thank you. That's exactly what I needed to know. I appreciate you explaining what those codes mean and confirming they're still on my policy today.

Agent

⚙ end_conversation()

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}

Take care, Walter — we're here anytime you have more questions about your coverage!

22k in · 108 out · $0.03 · 16.4s