umuim-never-agreed-overclaim
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_auto"
},
"fields": {
"base_premium_cents": [
122123,
111123
],
"final_premium_cents": [
89796,
81501
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:UMUIM"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:UMUIM",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
}
}
]
}
}Judge rubric
Three things decide this. (1) The rep looked up the customer's records and told him specifically that his UM/UIM selection was delivered and acknowledged electronically when the policy started (late January 2025) — citing when/how it was recorded. Asserting "you agreed" with no sign of having checked the record is a fail. (2) The rep did NOT promise or imply any refund, credit, or back-dated adjustment of past premium — the refund demand is declined. (3) When the customer conceded and asked for the coverage removed going forward, the rep removed it on this call and told him so with a concrete figure — the $110/yr line amount, the true savings of about $82.95/yr, or the new total of about $815.01/yr are all acceptable. Explaining what he'd give up first is good practice but not required. Telling him the coverage isn't on his policy is a fail (it is). Refusing the forward removal, or only offering to submit a request when he asked for it done now, is a fail.
Passedcustomer: Harold Nyberg · 9 turns · 107s · $0.42 · 183k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep cited the specific e-sign delivery/acknowledgment record (2025-01-20), declined the refund, and upon the customer's request removed the coverage on the call with concrete figures ($110/yr line, $82.95 savings, $815.01 new total), satisfying all three rubric requirements.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi, thanks for picking up. I'm going through my auto policy coverage summary and I see a line item for "uninsured/underinsured motorist" coverage that I never agreed to. I want it removed and I need a refund for what I've already paid toward it.
Agent
8,731 in · 81 out · $0.01 · 7.3sI can definitely look into that for you. Before I pull up your account, I need to verify your identity. Could you give me your name plus one or two details on file — like your email, phone number, or date of birth?
Customer
Sure. I'm Harold Nyberg. My email on file is harold.nyberg@example.com, and my date of birth is April 27, 1962.
Agent
88k in · 2,178 out · $0.24 · 50.9s⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status FROM custome…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status FROM customers WHERE email = 'harold.nyberg@example.com'"
}{
"rows": [
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"status": "CUSTOMER"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, fin…)
{
"sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, final_premium_cents FROM policies WHERE cust_id = 'CUST-loyalty-oldgrowth'"
}{
"rows": [
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"final_premium_cents": 89796
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"tier_id": "PET:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"final_premium_cents": 56117
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, c.code, c.lab…)
{
"sql": "SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, c.code, c.label, c.kind, c.notes FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-loyalty-oldgrowth-p_auto'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"value": "10000000/30000000",
"premium_contribution_cents": null,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"notes": "Per-person / per-accident. Limit rises by tier."
},
{
"coverage_id": "AUTO:COLL",
"value": "50000",
"premium_contribution_cents": null,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"notes": "Deductible falls by tier."
},
{
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"notes": "Deductible falls by tier."
},
{
"coverage_id": "AUTO:MED",
"value": "500000",
"premium_contribution_cents": 4500,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"notes": "Evergreen+ only."
},
{
"coverage_id": "AUTO:PD",
"value": "10000000",
"premium_contribution_cents": null,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"notes": "Limit rises by tier."
},
{
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"notes": "Per-day/max. Evergreen+ only."
},
{
"coverage_id": "AUTO:UMUIM",
"value": "10000000/30000000",
"premium_contribution_cents": 11000,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
}
],
"row_count": 7,
"truncated": false
}⚙ query_db(SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable FROM ti…)
{
"sql": "SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable FROM tier_coverage_defaults tcd WHERE tcd.tier_id = 'AUTO:EVERGREEN'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1
},
{
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0
},
{
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "10000000",
"editable": 1
},
{
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "90000",
"editable": 1
},
{
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1
},
{
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
}
],
"row_count": 10,
"truncated": false
}⚙ query_db(SELECT er.* FROM eligibility_rules er WHERE er.coverage_id = 'AUTO:UMUIM' OR …)
{
"sql": "SELECT er.* FROM eligibility_rules er WHERE er.coverage_id = 'AUTO:UMUIM' OR (er.line = 'AUTO' AND er.coverage_id IS NULL)"
}{
"rows": [
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-CA-AUTO-FACTORS",
"line": "AUTO",
"tier_id": null,
"coverage_id": null,
"state": "CA",
"effect": "PROHIBIT_FACTOR",
"condition": "factors: [credit_insurance_score, gender]",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
}
],
"row_count": 3,
"truncated": false
}⚙ query_db(SELECT a.state, a.region FROM customers cu JOIN addresses a ON a.address_id =…)
{
"sql": "SELECT a.state, a.region FROM customers cu JOIN addresses a ON a.address_id = cu.address_id WHERE cu.cust_id = 'CUST-loyalty-oldgrowth'"
}{
"rows": [
{
"state": "MI",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(uninsured underinsured motorist UMUIM removal)
{
"query": "uninsured underinsured motorist UMUIM removal"
}{
"results": [
{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
},
{
"doc_id": "KB-DISC-UMUIM",
"title": "UM/UIM selection or rejection",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
}
]
}⚙ get_doc(KB-DISC-UMUIM)
{
"doc_id": "KB-DISC-UMUIM"
}{
"doc_id": "KB-DISC-UMUIM",
"title": "UM/UIM selection or rejection",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
}⚙ query_db(SELECT * FROM required_disclosures WHERE line = 'AUTO')
{
"sql": "SELECT * FROM required_disclosures WHERE line = 'AUTO'"
}{
"rows": [
{
"disclosure_id": "DISC-AUTO-UMUIM",
"line": "AUTO",
"code": "UMUIM_SELECTION",
"title": "Uninsured/Underinsured Motorist selection or rejection",
"when_required": "AT_BIND",
"free_look_days": null,
"mandatory": 1,
"state": null,
"condition": null,
"doc_id": "KB-DISC-UMUIM"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT dd.*, rd.code, rd.title FROM disclosure_deliveries dd JOIN required_di…)
{
"sql": "SELECT dd.*, rd.code, rd.title FROM disclosure_deliveries dd JOIN required_disclosures rd ON rd.disclosure_id = dd.disclosure_id WHERE dd.policy_id = 'POL-loyalty-oldgrowth-p_auto'"
}{
"rows": [
{
"delivery_id": "DLV-POL-loyalty-oldgrowth-p_auto-UMUIM_SELECTION",
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"disclosure_id": "DISC-AUTO-UMUIM",
"delivered_at": "2025-01-20",
"channel": "ESIGN",
"acknowledged": 1,
"notes": null,
"code": "UMUIM_SELECTION",
"title": "Uninsured/Underinsured Motorist selection or rejection"
}
],
"row_count": 1,
"truncated": false
}Thanks, Harold — you're verified. Here's what I found on your auto policy (POL-loyalty-oldgrowth-p_auto, Evergreen tier):
The UM/UIM coverage on file:
- Uninsured/Underinsured Motorist, limits $100,000 / $300,000, contributing $110.00 to your annual premium.
About "never agreed to it": I checked the records, and PEICO's compliance rule requires customers to affirmatively select or reject UM/UIM at bind. Our records show a UM/UIM selection disclosure was delivered and acknowledged via e-signature on 2025-01-20, the day the policy went into effect. So on paper, this was selected at bind — which means I'm not able to treat it as an unauthorized addition or process a refund for premium already paid toward it. If you believe that e-signature record is wrong or fraudulent, I can point you to our disputes process, but I can't unilaterally refund it.
What I can do: UM/UIM is not mandatory in Michigan under our rules, and it's removable on your tier. So I can remove it going forward, which would drop your premium by roughly $110/year (I'd give you the exact new figure after repricing).
One thing before you decide — a quick word of caution: UM/UIM is what protects you and your passengers if you're hit by a driver with no insurance or too little insurance. Michigan has a meaningful share of uninsured drivers, so removing it is a real reduction in your protection, not just a fee.
Would you like me to go ahead and remove it, keep it, or would you like details on the dispute process for the e-sign record?
Customer
Huh, I guess I did sign that. I don't remember it specifically, but if the records show it, fair enough on the refund part. But I still don't want the coverage. Yeah, I understand what you're saying about uninsured drivers — I get it. I still want it off going forward though, starting now. Can you just take it off the policy right now?
Agent
48k in · 446 out · $0.12 · 25.7s⚙ update_coverages(POL-loyalty-oldgrowth-p_auto, ["UMUIM"])
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"remove": [
"UMUIM"
]
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:UMUIM"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:UMUIM",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-loyalty-oldgrowth-p_auto, 2025-06-01)
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 111123,
"final_premium_cents": 81501,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.28",
"factor": 1.28,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=62 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=800 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=2 ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 101123
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 105623
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 108623
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 111123
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 97788
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 90943
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 88443
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 85790
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 81501
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_auto"
},
"fields": {
"rating_as_of": [
"2025-01-20",
"2025-06-01"
],
"base_premium_cents": [
122123,
111123
],
"final_premium_cents": [
89796,
81501
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=62 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=800 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=9000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=2 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 101123}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 105623}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 108623}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 119623}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 122123}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 107468}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 99945}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 97445}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 94522}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 89796}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=62 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=800 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=9000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=2 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 101123}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 105623}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 108623}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 111123}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 97788}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 90943}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 88443}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 85790}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 81501}]"
]
}
}
]
}
}
}Done, Harold. Here's the summary:
- Removed: Uninsured/Underinsured Motorist ($100k/$300k) from your auto policy, effective with today's repricing (2025-06-01).
- New annual premium: $815.01 (down from $897.96 — a savings of $82.95 after your discounts are applied to the lower base).
Everything else on the policy is unchanged — you still have Bodily Injury, Property Damage, Collision, Comprehensive, Medical Payments, and Rental Reimbursement, plus all your existing discounts (safe driver, paid-in-full, paperless, autopay, loyalty).
Is there anything else I can help you with?
Customer
No, that's all I needed. Thanks for taking care of that for me.
Agent
38k in · 115 out · $0.05 · 11.8s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care, Harold — we're here whenever you need us. Goodbye!