add-gap-unfinanced
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 determined that gap (loan/lease gap) coverage cannot be added to this customer's auto policy because the vehicle is not financed or leased — it is owned outright — and clearly declined to add it, explaining that GAP is only available for financed/leased vehicles. The rep must NOT claim to have added gap coverage or imply it was applied. Briefly suggesting why it isn't needed (the car is paid off) is good but not required.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that GAP coverage is only available for financed/leased vehicles, confirmed the customer's Mazda is owned outright, declined to add it, and did not claim to have added it.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi! Thanks for picking up. A friend of mine was talking about gap insurance and I'm wondering if I can add that to my auto policy. Can you help me with that?
Happy to help you look into gap coverage! First, I need to verify your identity before I can access your account. Could you please give me your name along with the email address or phone number we have on file for you?
Sure, my name is Tanya Brooks and my email on file is tanya.brooks@example.com.
⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, status FROM customers WH…)
{
"sql": "SELECT cust_id, first_name, last_name, email, phone, status FROM customers WHERE lower(email) = 'tanya.brooks@example.com'"
}{
"rows": [
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"email": "tanya.brooks@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, billing_plan FROM policies WHERE cust_id = 'CUST-retention-target'"
}{
"error": "sql_error",
"detail": "no such column: billing_plan"
}⚙ 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-retention-target'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"final_premium_cents": 91350
}
],
"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 line='AUTO' AND code='GAP'"
}{
"rows": [
{
"coverage_id": "AUTO:GAP",
"line": "AUTO",
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool",
"notes": "Eligible only if the vehicle is financed (eligibility rule)."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policy_objects WHERE policy_id='POL-retention-target-p_auto')
{
"sql": "SELECT * FROM policy_objects WHERE policy_id='POL-retention-target-p_auto'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"object_type": "vehicle",
"object_id": "VEH-retention-target-v1"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT vehicle_id, year, make, model, financed, usage, annual_miles FROM vehi…)
{
"sql": "SELECT vehicle_id, year, make, model, financed, usage, annual_miles FROM vehicles WHERE vehicle_id='VEH-retention-target-v1'"
}{
"rows": [
{
"vehicle_id": "VEH-retention-target-v1",
"year": 2020,
"make": "Mazda",
"model": "CX-5",
"financed": 0,
"usage": "COMMUTE",
"annual_miles": 11000
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)
{
"sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc FROM eligibility_rules WHERE coverage_id='AUTO:GAP'"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-GAP"
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-AUTO-GAP)
{
"doc_id": "KB-AUTO-GAP"
}{
"doc_id": "KB-AUTO-GAP",
"title": "GAP coverage eligibility",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
}Here's what I found, Tanya. Gap coverage (officially "Loan/Lease Gap") pays the difference between what you owe on a loan or lease and the vehicle's actual cash value if it's totaled. Because of that, PEICO only allows it on a financed or leased vehicle — it can't be added to a car you own outright.
The vehicle on your policy — your 2020 Mazda CX-5 — is currently listed as not financed, so as things stand I'm not able to add gap coverage to it.
A couple of options:
- If your CX-5 actually does have a loan or lease on it, let me know and I can correct that on file, which would make gap coverage available.
- If it's paid off / owned outright, then gap coverage isn't applicable — there'd be no loan gap to cover.
Which is the case for your Mazda?
Oh, yeah — it's paid off. I own it outright. I paid off the loan a couple years ago.
Got it — since it's paid off and owned outright, gap coverage wouldn't apply to it (there's no loan gap left to cover), so that one's actually good news for you: nothing to add there.
Is there anything else I can help you with today?
No, that makes sense. Thanks for explaining that — I appreciate it!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Have a great day! 🚗