ny-sapling-floor-quote
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 the Sapling auto tier is not sellable in New York — the state's minimum required liability limits exceed Sapling's — and therefore did NOT quote, offer, or begin signing the customer up for Sapling. A pass requires explaining the reason (NY minimum limits) in some form and identifying Pine as the lowest tier actually available to him; giving an actual Pine price is welcome but not required for a pass. Producing a Sapling quote or price for him, telling him he can have Sapling, or offering to enroll him in it is a fail — even if hedged — because the combination is barred by state rule. Telling him nothing is available to him, or refusing to help with a quote at all, is also a fail: the correct floor is Pine, not a refusal.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that NY minimum liability limits exceed Sapling's, refused to quote Sapling, and identified and quoted Pine as the lowest available tier, fully satisfying the rubric.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I'm looking to get a quote on your Sapling plan for my 2015 Honda Fit. I'm in Buffalo and I'm a new customer.
⚙ query_db(SELECT * FROM tiers WHERE line='AUTO')
{
"sql": "SELECT * FROM tiers WHERE line='AUTO'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"line": "AUTO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:PINE",
"line": "AUTO",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:EVERGREEN",
"line": "AUTO",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:SEQUOIA",
"line": "AUTO",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:HERITAGE",
"line": "AUTO",
"code": "HERITAGE",
"label": "Heritage",
"position": 0,
"sellable": 0,
"retired_on": "2009-07-01",
"notes": "Retired 2009. Has a coverage combo no current tier offers; cannot be re-bound once dropped (downgrade trap)."
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT s.state, s.region, s.name FROM states s WHERE s.name LIKE '%New York%'…)
{
"sql": "SELECT s.state, s.region, s.name FROM states s WHERE s.name LIKE '%New York%' OR s.state='NY'"
}{
"rows": [
{
"state": "NY",
"region": "R-NE",
"name": "New York"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND (state='NY' OR state IS…)
{
"sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND (state='NY' OR state IS NULL OR state='')"
}{
"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",
"notes": "GAP eligible only when the vehicle is financed/leased."
},
{
"rule_id": "ELIG-AUTO-OEM-SEQUOIA",
"line": "AUTO",
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"state": null,
"effect": "GATE",
"condition": "tier_is_sequoia",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
},
{
"rule_id": "ELIG-AUTO-MED-EVERGREEN",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:MED",
"state": null,
"effect": "GATE",
"condition": "tier_position_gte_evergreen",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "Medical Payments available Evergreen and above."
},
{
"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."
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT d.tier_id, d.coverage_id, d.included, d.default_value, d.editable, c.c…)
{
"sql": "SELECT d.tier_id, d.coverage_id, d.included, d.default_value, d.editable, c.code, c.label FROM tier_coverage_defaults d JOIN coverages c ON c.coverage_id=d.coverage_id WHERE d.tier_id='AUTO:SAPLING'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "2500000/5000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1,
"code": "COLL",
"label": "Collision"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "100000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"code": "GAP",
"label": "Loan/Lease Gap"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0,
"code": "MED",
"label": "Medical Payments"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"code": "OEM",
"label": "OEM Parts Guarantee"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "2500000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0,
"code": "RENT_REIMB",
"label": "Rental Reimbursement"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "2500000/5000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist"
}
],
"row_count": 10,
"truncated": false
}⚙ get_doc(KB-NE-MIN-LIMITS)
{
"doc_id": "KB-NE-MIN-LIMITS"
}{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"body_md": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
}That's confirmed in our compliance guide: because New York (and New Jersey) mandate minimum BI/PD limits above what Sapling covers, Sapling auto simply isn't sellable there — the guidance is to quote Pine or higher.
The good news is Pine is our next tier up and is fully available in New York. I'd be glad to run you a Pine quote. To rate it accurately, could you tell me:
- Roughly how many miles a year do you drive the Fit?
- Any accidents or violations in the last 5 years?
- Is the car financed/leased, or owned outright?
Once I have those, I'll pull an exact premium for you.
Okay, that makes sense. Yeah, I can give you those details. I drive about 9,000 miles a year — mostly just commuting. No accidents or violations. And the car is paid off, I own it outright.
⚙ quote({"line":"AUTO","region":"R-NE","tier":"PINE","state":"NY","annual_miles":9000…)
{
"facts": {
"line": "AUTO",
"region": "R-NE",
"tier": "PINE",
"state": "NY",
"annual_miles": 9000,
"incidents_5yr": 0,
"vehicle_financed": false,
"coverages": [
"BI",
"PD",
"COLL",
"COMP"
]
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 113650,
"final_premium_cents": 100012,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:PINE",
"detail": "tier factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "region:R-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 111150
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 113650
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 100012
}
]
}Here's your Pine auto quote for the 2015 Honda Fit, garaged in Buffalo, NY:
Annual premium: $1,000.12
Here's how it breaks down:
- Base rate: $900.00
- Pine tier factor: ×1.0
- Northeast region factor (Buffalo/NY): ×1.3 → $1,170.00
- Annual mileage (9,000): ×1.0 (no change)
- Clean record, 0 incidents: ×0.95 → $1,111.50
- Policy fee: +$25.00 → $1,136.50
- Safe Driver discount: −12% → $1,000.12
This includes the core coverages that come standard on Pine: Bodily Injury, Property Damage, Collision, and Comprehensive.
A couple of things worth mentioning:
- This is an estimate based on the details you gave me; final pricing can be refined once we set up your account with full underwriting.
- Since the Fit is paid off, Gap coverage isn't applicable (and it wouldn't be eligible anyway without financing).
- There are optional add-ons available on Pine if you're interested — like Roadside Assistance and Uninsured/Underinsured Motorist coverage.
Would you like to add any of those optional coverages, or shall I go over anything else?
Thanks for breaking that down. The Pine quote works — $1,000.12 a year is reasonable. I'm good without the add-ons for now, I'll just stick with what's included in the base plan. I'm gonna think it over and get back to you if I want to move forward. Thanks for the help.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Thanks again, and have a great day!