Claude Sonnet 5 (adaptive, high)

roadside-add-execute

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-ne-auto-pref-p_auto"
        },
        "fields": {
          "base_premium_cents": [
            144108,
            146608
          ],
          "final_premium_cents": [
            114557,
            116584
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  },
  "policy_coverages": {
    "added": [
      {
        "pk": {
          "policy_id": "POL-ne-auto-pref-p_auto",
          "coverage_id": "AUTO:ROAD"
        },
        "row": {
          "policy_id": "POL-ne-auto-pref-p_auto",
          "coverage_id": "AUTO:ROAD",
          "value": "*",
          "premium_contribution_cents": "*"
        }
      }
    ]
  }
}

Judge rubric

The rep (1) confirmed roadside assistance is available to add on her Evergreen-tier auto policy (per the tier guide it's included at Sequoia and an add-on below it — she qualifies); (2) gave her a concrete price — the $25/yr list price, the discount-adjusted true increase of about $20.27/yr, or the new annual total of about $1,165.84 are all acceptable; and (3) actually executed the addition on this call and told her so. Telling her roadside is unavailable on her tier (e.g. "Sequoia-only") is a fail — that confuses ROAD with the OEM rule. Deflecting the add to another team or process instead of performing it, or claiming it's done without writing it, is a fail. Quoting an interim estimate and then a different figure is sloppy but passable ONLY if the final stated increase or total is one of the correct figures above ($25/yr list, ~$20.27/yr true, or ~$1,165.84 total) — the final confirmed number is what she acts on.

Passedcustomer: Eleanor Whitfield · 9 turns · 54s · $0.10 · 221k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep confirmed eligibility, gave the correct pricing figures ($25/yr, $20.27/yr, $1,165.84 total), and clearly stated the addition was completed on the call.

Conversation

Agent

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

Customer

Hi! I'd like to add roadside assistance to my auto policy. Can you tell me what that costs per year?

Agent

I'd be happy to help! First, I need to verify your identity — could you give me your name, and either your policy number or the phone/email on file?

8,750 in · 71 out · $0.0028 · 3.7s
Customer

It's Eleanor Whitfield. My policy number is EVG1180N3.

Agent
query_db(SELECT * FROM customers WHERE first_name='Eleanor' AND last_name='Whitfield')
{
  "sql": "SELECT * FROM customers WHERE first_name='Eleanor' AND last_name='Whitfield'"
}
{
  "rows": [
    {
      "cust_id": "CUST-ne-auto-pref",
      "legacy_acct": "EVG1180N3",
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Eleanor",
      "last_name": "Whitfield",
      "dob": "1971-05-22",
      "email": "eleanor.whitfield@example.com",
      "phone": null,
      "address_id": "ADDR-ne-auto-pref",
      "peico_risk": 784,
      "risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 14, \"points\": 56}, \"credit\": {\"value\": 770, \"points\": 28, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": "2011-08-01",
      "loyalty_tier": "Timber",
      "loyalty_points": 3800,
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT * FROM policies WHERE cust_id='CUST-ne-auto-pref' AND line='AUTO')
{
  "sql": "SELECT * FROM policies WHERE cust_id='CUST-ne-auto-pref' AND line='AUTO'"
}
{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "cust_id": "CUST-ne-auto-pref",
      "line": "AUTO",
      "tier_id": "AUTO:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-10",
      "expiration_date": "2026-01-10",
      "term_months": 12,
      "rating_as_of": "2025-01-10",
      "base_premium_cents": 144108,
      "final_premium_cents": 114557,
      "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-NE\", \"detail\": \"region factor \\u00d71.3\", \"factor\": 1.3, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=53 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=784 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119508}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 124008}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 127008}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 138008}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 140508}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 144108}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 126815}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 124315}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 120586}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 114557}]",
      "rating_inputs": "{\"billing\": {\"plan\": \"AUTOPAY_MONTHLY\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "underlying_policy_id": null,
      "bundle_id": null,
      "rep_id": "REP-1001",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT * FROM coverages WHERE line='AUTO' AND (code LIKE '%ROAD%' OR label LI…)
{
  "sql": "SELECT * FROM coverages WHERE line='AUTO' AND (code LIKE '%ROAD%' OR label LIKE '%Roadside%')"
}
{
  "rows": [
    {
      "coverage_id": "AUTO:ROAD",
      "line": "AUTO",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "kind": "flag",
      "unit": "bool",
      "notes": "Included at Sequoia; add-on elsewhere."
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND coverage_id LIKE '%ROAD%')
{
  "sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND coverage_id LIKE '%ROAD%'"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
query_db(SELECT * FROM tiers WHERE tier_id='AUTO:EVERGREEN')
{
  "sql": "SELECT * FROM tiers WHERE tier_id='AUTO:EVERGREEN'"
}
{
  "rows": [
    {
      "tier_id": "AUTO:EVERGREEN",
      "line": "AUTO",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT * FROM tier_coverage_defaults WHERE tier_id='AUTO:EVERGREEN' AND cover…)
{
  "sql": "SELECT * FROM tier_coverage_defaults WHERE tier_id='AUTO:EVERGREEN' AND coverage_id='AUTO:ROAD'"
}
{
  "rows": [
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null,
      "editable": 1
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT policy_id, tier_id, rating_inputs FROM policies WHERE policy_id='POL-n…)
{
  "sql": "SELECT policy_id, tier_id, rating_inputs FROM policies WHERE policy_id='POL-ne-auto-pref-p_auto'"
}
{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "tier_id": "AUTO:EVERGREEN",
      "rating_inputs": "{\"billing\": {\"plan\": \"AUTOPAY_MONTHLY\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT pc.*, c.label FROM policy_coverages pc JOIN coverages c ON pc.coverage…)
{
  "sql": "SELECT pc.*, c.label FROM policy_coverages pc JOIN coverages c ON pc.coverage_id=c.coverage_id WHERE pc.policy_id='POL-ne-auto-pref-p_auto'"
}
{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:BI",
      "value": "10000000/30000000",
      "premium_contribution_cents": null,
      "label": "Bodily Injury Liability"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:COLL",
      "value": "50000",
      "premium_contribution_cents": null,
      "label": "Collision"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:COMP",
      "value": "50000",
      "premium_contribution_cents": null,
      "label": "Comprehensive"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:MED",
      "value": "500000",
      "premium_contribution_cents": 4500,
      "label": "Medical Payments"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:PD",
      "value": "10000000",
      "premium_contribution_cents": null,
      "label": "Property Damage Liability"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:RENT_REIMB",
      "value": "90000",
      "premium_contribution_cents": 3000,
      "label": "Rental Reimbursement"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "coverage_id": "AUTO:UMUIM",
      "value": "10000000/30000000",
      "premium_contribution_cents": 11000,
      "label": "Uninsured/Underinsured Motorist"
    }
  ],
  "row_count": 7,
  "truncated": false
}
query_db(SELECT v.* FROM policy_objects po JOIN vehicles v ON po.object_id=v.vehicle_i…)
{
  "sql": "SELECT v.* FROM policy_objects po JOIN vehicles v ON po.object_id=v.vehicle_id WHERE po.policy_id='POL-ne-auto-pref-p_auto' AND po.object_type='vehicle'"
}
{
  "rows": [
    {
      "vehicle_id": "VEH-ne-auto-pref-v1",
      "cust_id": "CUST-ne-auto-pref",
      "year": 2021,
      "make": "Subaru",
      "model": "Outback",
      "vin": "VINFAKENE-v1",
      "usage": "COMMUTE",
      "annual_miles": 11000,
      "financed": 0,
      "garaging_address_id": "ADDR-ne-auto-pref"
    }
  ],
  "row_count": 1,
  "truncated": false
}
query_db(SELECT a.region FROM addresses a JOIN customers c ON c.address_id=a.address_i…)
{
  "sql": "SELECT a.region FROM addresses a JOIN customers c ON c.address_id=a.address_id WHERE c.cust_id='CUST-ne-auto-pref'"
}
{
  "rows": [
    {
      "region": "R-NE"
    }
  ],
  "row_count": 1,
  "truncated": false
}
quote({"line":"AUTO","tier":"EVERGREEN","region":"R-NE","peico_risk":784,"annual_mi…)
{
  "facts": {
    "line": "AUTO",
    "tier": "EVERGREEN",
    "region": "R-NE",
    "peico_risk": 784,
    "annual_miles": 11000,
    "incidents_5yr": 0,
    "vehicle_age": 4,
    "driver_age": 53,
    "smoker": false,
    "billing_plan": "INSTALLMENTS",
    "promo_code": null,
    "coverages": [
      "BI",
      "PD",
      "COLL",
      "COMP",
      "MED",
      "RENT_REIMB",
      "UMUIM",
      "ROAD"
    ]
  },
  "as_of": "2025-01-10"
}
{
  "as_of": "2025-01-10",
  "base_premium_cents": 146608,
  "final_premium_cents": 129015,
  "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-NE",
      "detail": "region factor ×1.3",
      "factor": 1.3,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=53 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=784 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 119508
    },
    {
      "step": "COVERAGE",
      "code": "MED",
      "detail": "+ MED $45",
      "factor": null,
      "amount_cents": 4500,
      "running_cents": 124008
    },
    {
      "step": "COVERAGE",
      "code": "RENT_REIMB",
      "detail": "+ RENT_REIMB $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 127008
    },
    {
      "step": "COVERAGE",
      "code": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 138008
    },
    {
      "step": "COVERAGE",
      "code": "ROAD",
      "detail": "+ ROAD $25",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 140508
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 143008
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 146608
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 129015
    }
  ]
}
quote({"line":"AUTO","tier":"EVERGREEN","region":"R-NE","peico_risk":784,"annual_mi…)
{
  "facts": {
    "line": "AUTO",
    "tier": "EVERGREEN",
    "region": "R-NE",
    "peico_risk": 784,
    "annual_miles": 11000,
    "incidents_5yr": 0,
    "vehicle_age": 4,
    "driver_age": 53,
    "smoker": false,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "promo_code": null,
    "coverages": [
      "BI",
      "PD",
      "COLL",
      "COMP",
      "MED",
      "RENT_REIMB",
      "UMUIM",
      "ROAD"
    ]
  },
  "as_of": "2025-01-10"
}
{
  "as_of": "2025-01-10",
  "base_premium_cents": 146608,
  "final_premium_cents": 116584,
  "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-NE",
      "detail": "region factor ×1.3",
      "factor": 1.3,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=53 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=784 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 119508
    },
    {
      "step": "COVERAGE",
      "code": "MED",
      "detail": "+ MED $45",
      "factor": null,
      "amount_cents": 4500,
      "running_cents": 124008
    },
    {
      "step": "COVERAGE",
      "code": "RENT_REIMB",
      "detail": "+ RENT_REIMB $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 127008
    },
    {
      "step": "COVERAGE",
      "code": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 138008
    },
    {
      "step": "COVERAGE",
      "code": "ROAD",
      "detail": "+ ROAD $25",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 140508
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 143008
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 146608
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 129015
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 126515
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 122720
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 116584
    }
  ]
}

Roadside Assistance (ROAD) would add $25/year in coverage cost before discounts, but after your existing discounts (Safe Driver, Paperless, Autopay, Loyalty) it works out to about $20.27 more per year — your total annual premium would go from $1,145.57 to $1,165.84.

Would you like me to go ahead and add it to your policy?

112k in · 2,305 out · $0.06 · 33.7s
Customer

Yes, absolutely — that sounds great. Please go ahead and add it today.

Agent
update_coverages(POL-ne-auto-pref-p_auto, ["ROAD"])
{
  "policy_id": "POL-ne-auto-pref-p_auto",
  "add": [
    "ROAD"
  ]
}
{
  "ok": true,
  "changesets": [
    {
      "policy_coverages": {
        "added": [
          {
            "pk": {
              "policy_id": "POL-ne-auto-pref-p_auto",
              "coverage_id": "AUTO:ROAD"
            },
            "row": {
              "policy_id": "POL-ne-auto-pref-p_auto",
              "coverage_id": "AUTO:ROAD",
              "value": null,
              "premium_contribution_cents": null
            }
          }
        ]
      }
    }
  ],
  "note": "stored premium is now stale — call reprice_policy to recompute"
}
reprice_policy(POL-ne-auto-pref-p_auto)
{
  "policy_id": "POL-ne-auto-pref-p_auto"
}
{
  "ok": true,
  "as_of": "2025-01-10",
  "base_premium_cents": 146608,
  "final_premium_cents": 116584,
  "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-NE",
      "detail": "region factor ×1.3",
      "factor": 1.3,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=53 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=784 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 119508
    },
    {
      "step": "COVERAGE",
      "code": "MED",
      "detail": "+ MED $45",
      "factor": null,
      "amount_cents": 4500,
      "running_cents": 124008
    },
    {
      "step": "COVERAGE",
      "code": "RENT_REIMB",
      "detail": "+ RENT_REIMB $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 127008
    },
    {
      "step": "COVERAGE",
      "code": "ROAD",
      "detail": "+ ROAD $25",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 129508
    },
    {
      "step": "COVERAGE",
      "code": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 140508
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 143008
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 146608
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 129015
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 126515
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 122720
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 116584
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-ne-auto-pref-p_auto"
          },
          "fields": {
            "base_premium_cents": [
              144108,
              146608
            ],
            "final_premium_cents": [
              114557,
              116584
            ],
            "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-NE\", \"detail\": \"region factor \\u00d71.3\", \"factor\": 1.3, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=53 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=784 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119508}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 124008}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 127008}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 138008}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 140508}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 144108}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 126815}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 124315}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 120586}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 114557}]",
              "[{\"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-NE\", \"detail\": \"region factor \\u00d71.3\", \"factor\": 1.3, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=53 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=784 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119508}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 124008}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 127008}, {\"step\": \"COVERAGE\", \"code\": \"ROAD\", \"detail\": \"+ ROAD $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 129508}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 140508}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 143008}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 146608}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 129015}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 126515}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 122720}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 116584}]"
            ]
          }
        }
      ]
    }
  }
}

All done, Eleanor! Roadside Assistance is now active on your auto policy. Your new annual premium is $1,165.84 (up from $1,145.57), effective now.

Is there anything else I can help you with?

56k in · 234 out · $0.02 · 6.1s
Customer

Perfect, thank you so much for taking care of that!

Agent
end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

Take care!

44k in · 76 out · $0.0099 · 4.1s