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, declined to quote Sapling, and identified Pine as the available tier, satisfying the rubric.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi, thanks for picking up. I'm looking to get a quote for your Sapling plan — I've got a 2015 Honda Fit and I'm shopping around for auto insurance.
⚙ query_db(SELECT tier_id FROM tiers WHERE code = 'SAPLING' AND line = 'AUTO')
{
"sql": "SELECT tier_id FROM tiers WHERE code = 'SAPLING' AND line = 'AUTO'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(AUTO:SAPLING quote requirements)
{
"query": "AUTO:SAPLING quote requirements"
}{
"results": [
{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"snippet": "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"
},
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}
]
}⚙ query_db(SELECT DISTINCT state FROM states)
{
"sql": "SELECT DISTINCT state FROM states"
}{
"rows": [
{
"state": "AZ"
},
{
"state": "CA"
},
{
"state": "FL"
},
{
"state": "GA"
},
{
"state": "IL"
},
{
"state": "MA"
},
{
"state": "MI"
},
{
"state": "NC"
},
{
"state": "NJ"
},
{
"state": "NY"
},
{
"state": "OH"
},
{
"state": "TX"
},
{
"state": "WA"
}
],
"row_count": 13,
"truncated": false
}I'd be happy to help you with that quote! To make sure I get the right information and confirm availability, could you please let me know which state you're garaging the Honda Fit in?
Also, so I can run a precise quote, I'll eventually need a few more details: your approximate annual mileage, any incidents (accidents or moving violations) in the last five years, and the ZIP code where the vehicle will be garaged.
It's garaged in Buffalo, New York — ZIP 14222. I drive about 9,000 miles a year, and I don't have any accidents or violations on my record. So can you get me that Sapling quote?
⚙ 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"
}I've looked into this for you, and I have some important news regarding the Sapling plan.
Because you are located in New York, we unfortunately cannot offer the Sapling tier. New York state law requires minimum liability limits that are higher than what the Sapling plan provides. For your coverage in New York, we would need to look at our Pine tier or higher.
Would you like me to run a quote for you using the Pine tier instead? I have all the other information you provided (2015 Honda Fit, 9,000 miles/year, and a clean driving record), so I just need to confirm if that would work for you.
Wait — the website showed Sapling to me. Why would it be on the site if I can't buy it in New York?
I understand the frustration — that is certainly confusing.
The reason you see it on our site is that PEICO operates in many states where the Sapling plan meets local requirements. Our website currently displays our available tiers generally, but as a regulated insurance provider, we are required by New York state law to ensure that every policy we sell meets specific minimum liability limits. Because the Sapling tier's default coverage falls below those state-mandated minimums, our internal system cannot legally bind a policy at that level for a New York address.
I apologize that the website didn't filter that out for your specific location.
If you are still interested in coverage with us, I can certainly get you an accurate quote for the Pine tier, which is our next level up and fully compliant with New York requirements. Would you like me to do that?
Okay, that makes sense. Yeah, go ahead and quote me the Pine plan then. What would that run me?