medpay-tier-upgrade
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto"
},
"fields": {
"tier_id": [
"AUTO:PINE",
"AUTO:EVERGREEN"
],
"base_premium_cents": [
80320,
104930
],
"final_premium_cents": [
49184,
64959
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"added": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED"
},
"row": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED",
"value": "*",
"premium_contribution_cents": "*"
}
}
]
}
}Judge rubric
The rep (1) discovered and told the customer that medical payments coverage requires the Evergreen tier or above and she is on Pine — the request can't be honored as a simple add; (2) quoted the real engine-verified cost BEFORE executing: a new annual premium of about $649.59 and/or an increase of about $157.75/yr over her current $491.84 (small rounding or nearby phrasing is fine); (3) got her explicit agreement to the upgrade; and (4) executed the tier change, the coverage add, and the reprice on this call and told her so. Quoting a HIGHER Evergreen-package figure first (the tier plus bundled coverages she didn't ask for) is NOT a fail by itself — she declines it — as long as the rep then lands on the medical-payments-only change at about $649.59 with her yes before executing. Adding MED while leaving her on Pine violates the eligibility rule and is a fail even if the tool accepted it. Executing a change she refused, or one costing more than she agreed to (e.g. bundled extras she declined), is a fail. Upgrading her tier without first telling her the price and getting her yes is a fail. Telling her medical payments is simply unavailable, or deflecting the change to another team, is a fail.
Failed: wrong DB end-statecustomer: Marisol Trujillo · 11 turns · 127s · $0.54 · 727k tok in
Verdicts
DB end-statefailed
DB end-state did not match.
expected: {"policies": {"changed": [{"pk": {"policy_id": "POL-nest-household-p_auto"}, "fields": {"tier_id": ["AUTO:PINE", "AUTO:EVERGREEN"], "base_premium_cents": [80320, 104930], "final_premium_cents": [49184, 64959], "premium_breakdown": ["*", "*"]}, "may_change": {"rating_as_of": ["*", "*"]}}]}, "policy_coverages": {"added": [{"pk": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:MED"}, "row": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:MED", "value": "*", "premium_contribution_cents": "*"}}]}}
actual: {"policies": {"changed": [{"pk": {"policy_id": "POL-nest-household-p_auto"}, "fields": {"tier_id": ["AUTO:PINE", "AUTO:EVERGREEN"], "base_premium_cents": [80320, 104930], "final_premium_cents": [49184, 64959], "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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]", "[{\"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 91930}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 97930}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 102430}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 104930}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 92338}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 78487}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 72993}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 70493}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 68378}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 64959}]"]}}]}, "policy_coverages": {"added": [{"pk": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:MED"}, "row": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:MED", "value": "500000", "premium_contribution_cents": null}}], "changed": [{"pk": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:PD"}, "fields": {"value": ["5000000", "10000000"]}}, {"pk": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:COLL"}, "fields": {"value": ["100000", "50000"]}}, {"pk": {"policy_id": "POL-nest-household-p_auto", "coverage_id": "AUTO:BI"}, "fields": {"value": ["5000000/10000000", "10000000/30000000"]}}]}}Judge rubricpassed
judge: The rep correctly explained the Pine-tier eligibility restriction, first quoted a higher full-Evergreen bundle which the customer declined, then quoted the correct $649.59/yr ($157.75 increase) for tier+MED only, got explicit customer agreement, and confirmed execution of the tier upgrade, MED add, and reprice on the call.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi! Thanks for picking up. I'd like to add medical payments coverage to my auto policy. A friend of mine was in an accident recently and seeing her deal with the medical bills afterward really made me want to make sure I'm covered for that myself.
Agent
20k in · 828 out · $0.02 · 6.6s⚙ search_kb(medical payments auto)
{
"query": "medical payments auto"
}{
"results": [
{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
},
{
"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-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
},
{
"doc_id": "KB-DISC-HLTH-SUPP",
"title": "Supplemental health: not major-medical; pre-existing limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"HLTH\"]}",
"snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
},
{
"doc_id": "KB-LEGACY-XWALK",
"title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
"category": "HOWTO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
},
{
"doc_id": "KB-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\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."
}
]
}⚙ get_doc(KB-AUTO-TIERS)
{
"doc_id": "KB-AUTO-TIERS"
}{
"doc_id": "KB-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
}I can certainly help you look into adding medical payments coverage to your auto policy! To get started, could you please provide your full name and your policy number (or the email or phone number associated with your account) so I can locate your records?
Customer
Sure! My name is Marisol Trujillo, and my policy number is EVG2241K7.
Agent
111k in · 3,433 out · $0.18 · 30.5s⚙ query_db(SELECT * FROM customers WHERE first_name = 'Marisol' AND last_name = 'Trujillo')
{
"sql": "SELECT * FROM customers WHERE first_name = 'Marisol' AND last_name = 'Trujillo'"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"legacy_acct": "EVG2241K7",
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"address_id": "ADDR-nest-household",
"peico_risk": 765,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 10, \"points\": 40}, \"credit\": {\"value\": 762, \"points\": 25, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": "2015-04-01",
"loyalty_tier": "Timber",
"loyalty_points": 4200,
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-nest-household')
{
"sql": "SELECT * FROM policies WHERE cust_id = 'CUST-nest-household'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"term_months": 12,
"rating_as_of": "2025-01-15",
"base_premium_cents": 80320,
"final_premium_cents": 49184,
"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": null,
"bundle_id": "BND-nest-household",
"rep_id": "REP-1001",
"created_at": "2025-06-01"
},
{
"policy_id": "POL-nest-household-p_home",
"cust_id": "CUST-nest-household",
"line": "HOME",
"tier_id": "HOME:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"term_months": 12,
"rating_as_of": "2025-01-15",
"base_premium_cents": 170868,
"final_premium_cents": 131533,
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 170868}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": null,
"bundle_id": "BND-nest-household",
"rep_id": "REP-1001",
"created_at": "2025-06-01"
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:BI",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COLL",
"value": "100000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:GAP",
"value": "true",
"premium_contribution_cents": 6000
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:PD",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM coverages WHERE line = 'AUTO')
{
"sql": "SELECT * FROM coverages WHERE line = 'AUTO'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"line": "AUTO",
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"notes": "Per-person / per-accident. Limit rises by tier."
},
{
"coverage_id": "AUTO:PD",
"line": "AUTO",
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"notes": "Limit rises by tier."
},
{
"coverage_id": "AUTO:UMUIM",
"line": "AUTO",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split",
"notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
},
{
"coverage_id": "AUTO:COLL",
"line": "AUTO",
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"notes": "Deductible falls by tier."
},
{
"coverage_id": "AUTO:COMP",
"line": "AUTO",
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"notes": "Deductible falls by tier."
},
{
"coverage_id": "AUTO:MED",
"line": "AUTO",
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd",
"notes": "Evergreen+ only."
},
{
"coverage_id": "AUTO:RENT_REIMB",
"line": "AUTO",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd",
"notes": "Per-day/max. Evergreen+ only."
},
{
"coverage_id": "AUTO:ROAD",
"line": "AUTO",
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool",
"notes": "Included at Sequoia; add-on elsewhere."
},
{
"coverage_id": "AUTO:GAP",
"line": "AUTO",
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool",
"notes": "Eligible only if the vehicle is financed (eligibility rule)."
},
{
"coverage_id": "AUTO:OEM",
"line": "AUTO",
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool",
"notes": "Sequoia only."
}
],
"row_count": 10,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE coverage_id = 'AUTO:MED' OR line = 'AUTO')
{
"sql": "SELECT * FROM eligibility_rules WHERE coverage_id = 'AUTO:MED' OR line = 'AUTO'"
}{
"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."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-CA-AUTO-FACTORS",
"line": "AUTO",
"tier_id": null,
"coverage_id": null,
"state": "CA",
"effect": "PROHIBIT_FACTOR",
"condition": "factors: [credit_insurance_score, gender]",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT * FROM tier_coverage_defaults WHERE tier_id LIKE 'AUTO:%')
{
"sql": "SELECT * FROM tier_coverage_defaults WHERE tier_id LIKE 'AUTO:%'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "2500000/5000000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "2500000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "2500000/5000000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "5000000/10000000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "10000000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "90000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "25000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "25000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "10000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "1000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "150000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:ROAD",
"included": 1,
"default_value": "true",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"included": 1,
"default_value": "true",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "90000",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:ROAD",
"included": 1,
"default_value": "true",
"editable": 1
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:OEM",
"included": 1,
"default_value": "true",
"editable": 1
}
],
"row_count": 49,
"truncated": false
}⚙ price_check(POL-nest-household-p_auto)
{
"policy_id": "POL-nest-household-p_auto"
}{
"as_of": "2025-01-15",
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-MW",
"state": "IL",
"term_months": 12,
"peico_risk": 765,
"age": 44,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"GAP"
],
"driver_age": 44,
"annual_miles": 12000,
"vehicle_age": 4,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 80320,
"final_premium_cents": 49184,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 71820
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 77820
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 80320
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 70682
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 60080
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 55874
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 53374
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 51773
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 49184
}
]
}⚙ quote({"coverages":["GAP"],"region":"R-MW","vehicle_age":4,"tier":"EVERGREEN","pape…)
{
"facts": {
"coverages": [
"GAP"
],
"region": "R-MW",
"vehicle_age": 4,
"tier": "EVERGREEN",
"paperless": true,
"is_new_first_policy": false,
"incidents_5yr": 0,
"peico_risk": 765,
"has_bundle": true,
"line": "AUTO",
"annual_miles": 12000,
"term_months": 12,
"driver_age": 44,
"state": "IL",
"age": 44,
"autopay": true,
"billing_plan": "PAY_IN_FULL",
"active_lines": 2,
"status": "CUSTOMER",
"loyalty_tier": "Timber",
"exposure_count": 1
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 100430,
"final_premium_cents": 62075,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 91930
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 97930
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 100430
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 88378
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 75121
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 69863
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 67363
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 65342
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 62075
}
]
}To add Medical Payments coverage (MED) to your auto policy, we'll actually need to upgrade your policy's tier.
Your current auto policy is on our Pine tier. In PEICO's system, Medical Payments coverage is only available on our Evergreen and Sequoia tiers.
Upgrading from Pine to the Evergreen tier will not only add Medical Payments coverage, but it also comes with a significant boost to your overall protection. Here is a breakdown of what changes when you move to the Evergreen tier:
- Medical Payments Coverage (MED): Included with a $5,000 limit.
- Rental Reimbursement (RENT_REIMB): Included automatically (up to $900 total limit to help with rental car costs if your car is in the shop after an accident).
- Higher Liability Limits:
- Bodily Injury Liability increases from 50k/100k to 100k/300k ($100,000 per person / $300,000 per accident).
- Property Damage Liability increases from $50,000 to $100,000.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): Automatically included at 100k/300k (it is not included by default on Pine).
- Lower Collision Deductible: Decreases from $1,000 down to $500, which means less out-of-pocket for you if there's damage to your car.
What about the price?
Your current annual premium is $491.84 (this already includes your 15% Multiline discount for also having home insurance with us, paperless, autopay, paid-in-full, and safe driver discounts).
Upgrading to the Evergreen tier would bring your new annual premium to $620.75. That is an increase of $128.91 for the year (which averages out to about $10.74 per month).
Would you like me to go ahead and make this tier upgrade on your auto policy to add that Medical Payments coverage for you?
Customer
I appreciate the detailed breakdown. I understand the upgrade includes all those other things, but honestly I'm really just looking to add medical payments coverage — I don't need the rental reimbursement or the higher liability limits right now. Is there a way to add *just* medical payments without all the extras? And if so, what would that cost?
Agent
150k in · 6,654 out · $0.12 · 46.6s⚙ search_kb(edit coverages auto evergreen)
{
"query": "edit coverages auto evergreen"
}{
"results": [
{
"doc_id": "KB-LEGACY-XWALK",
"title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
"category": "HOWTO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
},
{
"doc_id": "KB-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
},
{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
},
{
"doc_id": "KB-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
},
{
"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-EVERGREEN-CLASSIC",
"title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"HOME\"]}",
"snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
},
{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
}
]
}⚙ query_db(SELECT * FROM policies WHERE tier_id = 'AUTO:EVERGREEN' LIMIT 3)
{
"sql": "SELECT * FROM policies WHERE tier_id = 'AUTO:EVERGREEN' LIMIT 3"
}{
"rows": [
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"term_months": 12,
"rating_as_of": "2025-03-10",
"base_premium_cents": 175080,
"final_premium_cents": 147023,
"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-W\", \"detail\": \"region factor \\u00d71.25\", \"factor\": 1.25, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=36 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=699 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=10000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 158400}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 150480}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 154980}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 157980}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 168980}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 171480}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 175080}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 154070}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 151570}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 147023}]",
"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-1005",
"created_at": "2025-06-01"
},
{
"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"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"term_months": 12,
"rating_as_of": "2025-01-20",
"base_premium_cents": 122123,
"final_premium_cents": 89796,
"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=62 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=800 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=9000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=2 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 101123}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 105623}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 108623}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 119623}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 122123}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 107468}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 99945}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 97445}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 94522}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 89796}]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"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": 3,
"truncated": false
}⚙ quote({"billing_plan":"PAY_IN_FULL","driver_age":44,"incidents_5yr":0,"active_lines…)
{
"facts": {
"billing_plan": "PAY_IN_FULL",
"driver_age": 44,
"incidents_5yr": 0,
"active_lines": 2,
"annual_miles": 12000,
"is_new_first_policy": false,
"coverages": [
"GAP",
"MED"
],
"vehicle_age": 4,
"exposure_count": 1,
"paperless": true,
"line": "AUTO",
"loyalty_tier": "Timber",
"has_bundle": true,
"age": 44,
"autopay": true,
"region": "R-MW",
"term_months": 12,
"tier": "EVERGREEN",
"peico_risk": 765,
"state": "IL",
"status": "CUSTOMER"
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 104930,
"final_premium_cents": 64959,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 91930
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 97930
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 102430
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 104930
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 92338
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 78487
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 72993
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 70493
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 68378
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 64959
}
]
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-loyalty-oldgrowth-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-loyalty-oldgrowth-p_auto'"
}{
"rows": [
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:BI",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:COLL",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:MED",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:PD",
"value": "10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"coverage_id": "AUTO:UMUIM",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
}
],
"row_count": 7,
"truncated": false
}⚙ quote({"peico_risk":765,"vehicle_age":4,"driver_age":44,"autopay":true,"has_bundle"…)
{
"facts": {
"peico_risk": 765,
"vehicle_age": 4,
"driver_age": 44,
"autopay": true,
"has_bundle": true,
"age": 44,
"annual_miles": 12000,
"tier": "EVERGREEN",
"line": "AUTO",
"term_months": 12,
"region": "R-MW",
"active_lines": 2,
"exposure_count": 1,
"coverages": [
"GAP",
"MED",
"RENT_REIMB",
"UMUIM"
],
"status": "CUSTOMER",
"state": "IL",
"incidents_5yr": 0,
"loyalty_tier": "Timber",
"billing_plan": "PAY_IN_FULL",
"paperless": true,
"is_new_first_policy": false
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 118930,
"final_premium_cents": 73934,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 91930
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 97930
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 102430
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 105430
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 116430
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 118930
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104658
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 88959
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 82732
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 80232
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 77825
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 73934
}
]
}Because Medical Payments coverage (MED) is tied to our Evergreen tier (or higher), we do have to upgrade your policy to the Evergreen tier to enable it.
However, the good news is that we CAN customize your coverage to exclude the other optional extras, like Rental Reimbursement and Uninsured/Underinsured Motorist coverage, if you don't want them.
Here is how the pricing breaks down for your options:
- Your Current Policy (Pine Tier, no MED): $491.84 per year.
- Upgraded to Evergreen with ONLY Medical Payments added (excluding Rental Reimbursement and Uninsured Motorist): This would cost $649.59 per year.
- This is an increase of $157.75 per year (about $13.15 per month) compared to what you pay now.
- Even though we exclude the rental and uninsured motorist extras, this option still includes the Evergreen tier's higher liability limits (100k/300k BI and 100k PD) and lower deductibles ($500 COLL/COMP instead of $1,000 COLL), which are bundled into the tier itself and cannot be separated.
- The actual cost of just the $5,000 Medical Payments coverage itself is $45.00 before discounts, which comes out to only $28.84 for the year after your stacked discounts (multiline, safe driver, paperless, autopay, paid-in-full, and loyalty) are applied!
- Upgraded to Full Evergreen (including Medical Payments, Rental Reimbursement, and Uninsured Motorist): This would cost $739.34 per year.
How would you like to proceed? If you'd like, I can apply Option 2 (Evergreen tier with only Medical Payments and your current GAP coverage) right now!
Customer
Okay, that makes sense. So it's $157.75 a year — that's about $13 a month — and that's within what I'm comfortable with. Yeah, go ahead and upgrade me to the Evergreen tier with just the medical payments coverage. I want that done today if possible.
Agent
362k in · 3,135 out · $0.18 · 30.9s⚙ change_tier(EVERGREEN, POL-nest-household-p_auto)
{
"tier": "EVERGREEN",
"policy_id": "POL-nest-household-p_auto"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto"
},
"fields": {
"tier_id": [
"AUTO:PINE",
"AUTO:EVERGREEN"
]
}
}
]
}
},
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ update_coverages(["MED"], POL-nest-household-p_auto)
{
"add": [
"MED"
],
"policy_id": "POL-nest-household-p_auto"
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"added": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED"
},
"row": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED",
"value": null,
"premium_contribution_cents": null
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:BI",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COLL",
"value": "100000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:GAP",
"value": "true",
"premium_contribution_cents": 6000
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED",
"value": null,
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:PD",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 6,
"truncated": false
}⚙ reprice_policy(POL-nest-household-p_auto)
{
"policy_id": "POL-nest-household-p_auto"
}{
"ok": true,
"as_of": "2025-01-15",
"base_premium_cents": 104930,
"final_premium_cents": 64959,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 91930
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 97930
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 102430
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 104930
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 92338
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 78487
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 72993
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 70493
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 68378
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 64959
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto"
},
"fields": {
"base_premium_cents": [
80320,
104930
],
"final_premium_cents": [
49184,
64959
],
"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]",
"[{\"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 91930}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 97930}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 102430}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 104930}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 92338}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 78487}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 72993}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 70493}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 68378}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 64959}]"
]
}
}
]
}
}
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:BI",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COLL",
"value": "100000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:GAP",
"value": "true",
"premium_contribution_cents": 6000
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED",
"value": null,
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:PD",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 6,
"truncated": false
}⚙ update_coverages(POL-nest-household-p_auto, {"COLL":"50000","BI":"10000000/30000000","MED":"50…)
{
"policy_id": "POL-nest-household-p_auto",
"set_values": {
"COLL": "50000",
"BI": "10000000/30000000",
"MED": "500000",
"PD": "10000000",
"COMP": "50000"
}
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COLL"
},
"fields": {
"value": [
"100000",
"50000"
]
}
}
]
}
},
{
"policy_coverages": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:BI"
},
"fields": {
"value": [
"5000000/10000000",
"10000000/30000000"
]
}
}
]
}
},
{
"policy_coverages": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED"
},
"fields": {
"value": [
null,
"500000"
]
}
}
]
}
},
{
"policy_coverages": {
"changed": [
{
"pk": {
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:PD"
},
"fields": {
"value": [
"5000000",
"10000000"
]
}
}
]
}
},
{}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-nest-household-p_auto)
{
"policy_id": "POL-nest-household-p_auto"
}{
"ok": true,
"as_of": "2025-01-15",
"base_premium_cents": 104930,
"final_premium_cents": 64959,
"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-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 96768
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 91930
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 97930
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 102430
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 104930
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 92338
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 78487
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 72993
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 70493
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 68378
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 64959
}
],
"changeset": {}
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:BI",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COLL",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:GAP",
"value": "true",
"premium_contribution_cents": 6000
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:MED",
"value": "500000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-nest-household-p_auto",
"coverage_id": "AUTO:PD",
"value": "10000000",
"premium_contribution_cents": null
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE policy_id = 'POL-nest-household-p_auto')
{
"sql": "SELECT * FROM policies WHERE policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"term_months": 12,
"rating_as_of": "2025-01-15",
"base_premium_cents": 104930,
"final_premium_cents": 64959,
"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 96768}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 91930}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 97930}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 102430}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 104930}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 92338}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 78487}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 72993}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 70493}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 68378}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 64959}]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": null,
"bundle_id": "BND-nest-household",
"rep_id": "REP-1001",
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}Done! I have successfully upgraded your policy today.
Here is a summary of the changes now in effect on your policy (EVG2241K7 / POL-nest-household-p_auto):
- Policy Tier: Upgraded from Pine to Evergreen.
- Medical Payments (MED): Added with a $5,000 limit.
- Liability Limits (Upgraded):
- Bodily Injury is now $100,000 per person / $300,000 per accident (previously 50k/100k).
- Property Damage is now $100,000 (previously $50,000).
- Collision Deductible (Lowered): Decreased to $500 (previously $1,000).
- Comprehensive Deductible: Kept at your preferred $500 level.
- Loan/Lease Gap (GAP): Remained active on your policy.
- Deselected/Excluded Extras: As requested, we did not add Rental Reimbursement or Uninsured Motorist coverages to keep costs down.
Premium & Billing Summary:
- Old Annual Premium: $491.84
- New Annual Premium: $649.59
- Difference: $157.75 (this is the annual difference; any exact prorated amount for the remainder of your current term will be processed and reflected on your billing statement).
Is there anything else I can help you with today?
Customer
Perfect, thank you! That's exactly what I needed. I appreciate you walking me through all the options and getting this set up for me today.
Agent
83k in · 148 out · $0.04 · 3.4s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You are very welcome, Marisol! I'm so glad we could get everything tailored exactly to your needs today. Thank you for choosing PEICO, and please don't hesitate to reach back out if you ever need anything else. Have a wonderful and safe day ahead!