tx-moto-custom-parts-denied
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 Custom Parts & Equipment coverage is not available on motorcycle policies in Texas and clearly declined to add it, explaining the state restriction. The rep must NOT claim to have added the coverage or imply it was applied.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep clearly stated that Custom Parts & Equipment coverage is unavailable on motorcycle policies in Texas, explained it as a state-specific restriction, declined to add it, and did not claim or imply the coverage was applied.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I've got a motorcycle policy with y'all and I'm looking to add coverage for some custom parts I've put on my bike — chrome, a custom seat, saddlebags, that kind of thing. Can we do that?
I can help with that. First, could you give me your name or customer ID (and maybe the policy number) so I can pull up your account?
Sure — it's Marcus Reyes. I don't have my policy number handy right now, but you should be able to find it under that name.
⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone FROM customers WHERE…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone FROM customers WHERE first_name LIKE 'Marcus' AND last_name LIKE 'Reyes'"
}{
"rows": [
{
"cust_id": "CUST-tx-moto",
"first_name": "Marcus",
"last_name": "Reyes",
"dob": "1979-09-03",
"email": "marcus.reyes@example.com",
"phone": "(512) 555-0188"
}
],
"row_count": 1,
"truncated": false
}For verification, can you confirm your date of birth or the phone/email we have on file?
Yeah, my DOB is September 3, 1979.
⚙ query_db(SELECT * FROM policies WHERE cust_id='CUST-tx-moto')
{
"sql": "SELECT * FROM policies WHERE cust_id='CUST-tx-moto'"
}{
"rows": [
{
"policy_id": "POL-tx-moto-p_moto",
"cust_id": "CUST-tx-moto",
"line": "MOTO",
"tier_id": "MOTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": null,
"base_premium_cents": null,
"final_premium_cents": null,
"premium_breakdown": null,
"rating_inputs": null,
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": null,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM coverages WHERE line='MOTO')
{
"sql": "SELECT * FROM coverages WHERE line='MOTO'"
}{
"rows": [
{
"coverage_id": "MOTO:BI",
"line": "MOTO",
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"notes": null
},
{
"coverage_id": "MOTO:PD",
"line": "MOTO",
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:COLL",
"line": "MOTO",
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:COMP",
"line": "MOTO",
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:CUSTOM_PRT",
"line": "MOTO",
"code": "CUSTOM_PRT",
"label": "Custom Parts & Equipment",
"kind": "limit",
"unit": "usd",
"notes": "Not available in TX (legacy licensing quirk)."
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id='POL-tx-moto-p_moto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id='POL-tx-moto-p_moto'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line='MOTO' AND coverage_id='MOTO:CUSTO…)
{
"sql": "SELECT * FROM eligibility_rules WHERE line='MOTO' AND coverage_id='MOTO:CUSTOM_PRT'"
}{
"rows": [
{
"rule_id": "ELIG-TX-MOTO-CUSTOM",
"line": "MOTO",
"tier_id": null,
"coverage_id": "MOTO:CUSTOM_PRT",
"state": "TX",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-TX-MOTO",
"notes": "Custom parts & equipment unavailable in TX (historical licensing quirk)."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT a.state, a.region FROM addresses a JOIN customers c ON c.address_id=a.…)
{
"sql": "SELECT a.state, a.region FROM addresses a JOIN customers c ON c.address_id=a.address_id WHERE c.cust_id='CUST-tx-moto'"
}{
"rows": [
{
"state": "TX",
"region": "R-SW"
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-TX-MOTO)
{
"doc_id": "KB-TX-MOTO"
}{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"body_md": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
}I checked into this, and unfortunately I have some bad news: Custom Parts & Equipment coverage isn't available on motorcycle policies in Texas. It's a historical licensing quirk specific to this state — not something specific to your policy or bike — so there's no way for me to add it to your policy while it's rated in Texas.
I'm sorry about that — I know that's not what you were hoping to hear. Is there anything else I can help you with, like reviewing what coverage you currently have on the bike?
Ah, man — that's disappointing, but I appreciate you looking into it and being straight with me. No, that's alright — I think I'm good. Thanks for the help anyway.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care!