gap-add-true-price

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-se-auto-pref-p_auto"
        },
        "fields": {
          "base_premium_cents": [
            85102,
            91102
          ],
          "final_premium_cents": [
            72643,
            77765
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  },
  "policy_coverages": {
    "added": [
      {
        "pk": {
          "policy_id": "POL-se-auto-pref-p_auto",
          "coverage_id": "AUTO:GAP"
        },
        "row": {
          "policy_id": "POL-se-auto-pref-p_auto",
          "coverage_id": "AUTO:GAP",
          "value": "*",
          "premium_contribution_cents": "*"
        }
      }
    ]
  }
}

Judge rubric

The rep (1) confirmed the customer's vehicle is financed and therefore GAP is available to him (GAP is gated on financed/leased vehicles — he qualifies); (2) gave engine-verified pricing for the addition: his new annual premium of about $777.65, and/or the true increase of about $51.22 per year over his current $726.43 (small rounding or nearby phrasing of these figures is fine); and (3) actually executed the addition on this call and told him so. Telling him only the coverage's list price (about $60/yr) as his actual cost increase — without ever producing the discount-adjusted total or increase — is a fail: his discounts scale the true increase down, and verifying with the rating engine is the behavior under test. Refusing GAP, telling him he is ineligible, or deflecting the add to another team/process instead of performing it is a fail. Quoting one price and then a different one without acknowledging and resolving the discrepancy is sloppy but passable ONLY if the final stated total/increase is the correct engine figure.

Passedcustomer: Travis Boudreaux · 9 turns · 41s · $0.16 · 158k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep confirmed eligibility due to financing, gave engine-verified pricing ($777.65 new premium, $51.22 increase), and stated the addition was executed and completed.

Conversation

Agent

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

Customer

Hey, thanks for picking up. I'm looking to add GAP coverage to my auto policy. My credit union loan officer mentioned it'd be a good idea since I still owe money on my car. Can you help me with that and let me know what it'll cost?

Agent

I'd be happy to help with that. First, let me verify your identity and pull up your account. Could you give me your name and either your date of birth or the email/phone on file?

8,730 in · 52 out · $0.0066 · 2.0s

Customer

Sure. I'm Travis Boudreaux. My email on file is travis.boudreaux@example.com.

Agent

⚙ 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 lower(email) = lower('travis.boudreaux@example.com')"
}

{
  "rows": [
    {
      "cust_id": "CUST-se-auto-pref",
      "first_name": "Travis",
      "last_name": "Boudreaux",
      "dob": "1983-09-14",
      "email": "travis.boudreaux@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, bas…)

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, base_premium_cents, final_premium_cents FROM policies WHERE cust_id = 'CUST-se-auto-pref' AND line = 'AUTO'"
}

{
  "rows": [
    {
      "policy_id": "POL-se-auto-pref-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-02-15",
      "expiration_date": "2026-02-15",
      "base_premium_cents": 85102,
      "final_premium_cents": 72643
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT po.object_id, v.year, v.make, v.model, v.vin, v.financed, v.annual_mil…)

{
  "sql": "SELECT po.object_id, v.year, v.make, v.model, v.vin, v.financed, v.annual_miles, v.usage FROM policy_objects po JOIN vehicles v ON v.vehicle_id = po.object_id WHERE po.policy_id = 'POL-se-auto-pref-p_auto' AND po.object_type = 'vehicle'"
}

{
  "rows": [
    {
      "object_id": "VEH-se-auto-pref-v1",
      "year": 2017,
      "make": "Toyota",
      "model": "Camry",
      "vin": "VINFAKESE-v1",
      "financed": 1,
      "annual_miles": 13000,
      "usage": "COMMUTE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, value FROM policy_coverages WHERE policy_id = 'POL-se-aut…)

{
  "sql": "SELECT coverage_id, value FROM policy_coverages WHERE policy_id = 'POL-se-auto-pref-p_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "5000000/10000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "100000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "5000000"
    }
  ],
  "row_count": 4,
  "truncated": false
}

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

{
  "sql": "SELECT coverage_id, code, label, kind, notes FROM coverages WHERE line = 'AUTO' AND code = 'GAP'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:GAP",
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "kind": "flag",
      "notes": "Eligible only if the vehicle is financed (eligibility rule)."
    }
  ],
  "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, notes 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",
      "notes": "GAP eligible only when the vehicle is financed/leased."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ price_check(POL-se-auto-pref-p_auto)

{
  "policy_id": "POL-se-auto-pref-p_auto"
}

{
  "as_of": "2025-02-15",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 750,
    "age": 41,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 41,
    "annual_miles": 13000,
    "vehicle_age": 8,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 85102,
  "final_premium_cents": 72643,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 81502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 85102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 74890
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 72643
    }
  ]
}

⚙ quote({"line":"AUTO","tier":"PINE","region":"R-SE","state":"GA","term_months":12,"p…)

{
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 750,
    "age": 41,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "GAP"
    ],
    "driver_age": 41,
    "annual_miles": 13000,
    "vehicle_age": 8,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "as_of": "2025-02-15"
}

{
  "as_of": "2025-02-15",
  "base_premium_cents": 91102,
  "final_premium_cents": 77765,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "COVERAGE",
      "code": "GAP",
      "detail": "+ GAP $60",
      "factor": null,
      "amount_cents": 6000,
      "running_cents": 85002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 87502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 91102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 80170
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 77765
    }
  ]
}

Here's the breakdown, Travis:

Current annual premium: $726.43
With GAP added: $777.65
Difference: about $51.22/year (GAP is a $60 add before your discounts apply)

You're eligible since the Camry is financed. Want me to go ahead and add GAP coverage to the policy?

72k in · 1,361 out · $0.09 · 22.5s

Customer

Yeah, that works for me. Go ahead and add it — so my new annual total will be $777.65, right?

Agent

⚙ update_coverages(POL-se-auto-pref-p_auto, ["GAP"])

{
  "policy_id": "POL-se-auto-pref-p_auto",
  "add": [
    "GAP"
  ]
}

{
  "ok": true,
  "changesets": [
    {
      "policy_coverages": {
        "added": [
          {
            "pk": {
              "policy_id": "POL-se-auto-pref-p_auto",
              "coverage_id": "AUTO:GAP"
            },
            "row": {
              "policy_id": "POL-se-auto-pref-p_auto",
              "coverage_id": "AUTO:GAP",
              "value": null,
              "premium_contribution_cents": null
            }
          }
        ]
      }
    }
  ],
  "note": "stored premium is now stale — call reprice_policy to recompute"
}

⚙ reprice_policy(POL-se-auto-pref-p_auto)

{
  "policy_id": "POL-se-auto-pref-p_auto"
}

{
  "ok": true,
  "as_of": "2025-02-15",
  "base_premium_cents": 91102,
  "final_premium_cents": 77765,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "COVERAGE",
      "code": "GAP",
      "detail": "+ GAP $60",
      "factor": null,
      "amount_cents": 6000,
      "running_cents": 85002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 87502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 91102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 80170
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 77765
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-se-auto-pref-p_auto"
          },
          "fields": {
            "base_premium_cents": [
              85102,
              91102
            ],
            "final_premium_cents": [
              72643,
              77765
            ],
            "premium_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 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=41 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=750 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 79002}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 81502}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 85102}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 74890}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 72643}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:PINE\", \"detail\": \"tier factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=41 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=750 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 79002}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 85002}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 87502}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 91102}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 80170}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 77765}]"
            ]
          }
        }
      ]
    }
  }
}

Done! GAP coverage is now added to your auto policy, and the premium is updated. Your new annual total is $777.65 — exactly as quoted.

Is there anything else I can help you with?

43k in · 223 out · $0.04 · 6.8s

Customer

Perfect, thanks so much for getting that sorted out. That's all I needed today. Really appreciate it!

Agent

⚙ end_conversation()

{}

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

Thanks for being a PEICO customer — have a great day!

33k in · 82 out · $0.02 · 4.0s