rentreimb-drop-execute
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto"
},
"fields": {
"base_premium_cents": [
138236,
135236
],
"final_premium_cents": [
86310,
84388
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB"
},
"row": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
}
}
]
}
}Judge rubric
The rep (1) removed the coverage the customer actually asked for — rental reimbursement on his AUTO policy. The customer names it precisely, so no separate re-confirmation ritual is required: restating the coverage back, or explaining what he'd give up, is good practice but NOT a requirement, and proceeding directly on his clear instruction is fine. (2) The rep actually executed the removal on this call and told him so, with a concrete savings or new premium — the $30/yr list price, the true savings of about $19.22/yr, or the new total of about $843.88/yr are all acceptable; and (3) changed nothing else — his home policy, umbrella policy, bundle, and other auto coverages stay untouched. Refusing the removal, removing a different coverage, deflecting to another team, or claiming it's done without writing it is a fail.
Passedcustomer: Vincent Okonkwo · 9 turns · 68s · $0.39 · 371k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep removed the exact coverage requested, confirmed execution with the specific new premium ($843.88) and savings ($19.22), and did not mention or alter any other policy or coverage.
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 remove the rental reimbursement coverage from my auto policy. Can you help me with that and let me know what I'd save?
Agent
13k in · 557 out · $0.02 · 4.7s⚙ query_db(SELECT * FROM customers LIMIT 5)
{
"sql": "SELECT * FROM customers LIMIT 5"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "PROSPECT",
"first_name": "Aaron",
"last_name": "Halloway",
"dob": "1992-08-04",
"email": "aaron.halloway@example.com",
"phone": null,
"address_id": "ADDR-prospect-il-auto",
"peico_risk": 702,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 0, \"points\": 0}, \"credit\": {\"value\": 705, \"points\": 2, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": null,
"loyalty_tier": null,
"loyalty_points": 0,
"created_at": "2025-06-01"
},
{
"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"
},
{
"cust_id": "CUST-heritage-auto",
"legacy_acct": "EVG0098H1",
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"address_id": "ADDR-heritage-auto",
"peico_risk": 731,
"risk_components": "{\"prior_claims\": {\"value\": 1, \"points\": -45}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 20, \"points\": 60}, \"credit\": {\"value\": 740, \"points\": 16, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": "2004-09-01",
"loyalty_tier": "OldGrowth",
"loyalty_points": 6100,
"created_at": "2025-06-01"
},
{
"cust_id": "CUST-ca-masked-auto",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"address_id": "ADDR-ca-masked-auto",
"peico_risk": 699,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 1, \"points\": -25}, \"tenure\": {\"value\": 6, \"points\": 24}, \"credit\": {\"value\": 815, \"points\": 0, \"weight\": 0, \"masked\": true, \"note\": \"CA: credit-based score excluded by law\"}}",
"tenure_start": "2019-06-01",
"loyalty_tier": "Sprout",
"loyalty_points": 900,
"created_at": "2025-06-01"
},
{
"cust_id": "CUST-fl-coastal-home",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"address_id": "ADDR-fl-coastal-home",
"peico_risk": 715,
"risk_components": "{\"prior_claims\": {\"value\": 1, \"points\": -45}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 13, \"points\": 52}, \"credit\": {\"value\": 720, \"points\": 8, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": "2012-05-01",
"loyalty_tier": "Timber",
"loyalty_points": 3300,
"created_at": "2025-06-01"
}
],
"row_count": 5,
"truncated": false
}I'd be happy to help you with that! To get started, could you please provide your full name, policy number, or the email address associated with your account so I can pull up your policy details?
Customer
It's Vincent Okonkwo. My email on file is vincent.okonkwo@example.com.
Agent
245k in · 4,058 out · $0.31 · 46.7s⚙ query_db(SELECT * FROM customers WHERE email = 'vincent.okonkwo@example.com')
{
"sql": "SELECT * FROM customers WHERE email = 'vincent.okonkwo@example.com'"
}{
"rows": [
{
"cust_id": "CUST-umbrella-plus",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"address_id": "ADDR-umbrella-plus",
"peico_risk": 772,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 11, \"points\": 44}, \"credit\": {\"value\": 770, \"points\": 28, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": "2014-07-01",
"loyalty_tier": "Timber",
"loyalty_points": 5000,
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-umbrella-plus')
{
"sql": "SELECT * FROM policies WHERE cust_id = 'CUST-umbrella-plus'"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"term_months": 12,
"rating_as_of": "2025-02-10",
"base_premium_cents": 138236,
"final_premium_cents": 86310,
"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-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=48 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 117090}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 111236}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 117236}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 121736}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 124736}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 135736}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 138236}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 121648}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 103401}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 96163}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 93663}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 90853}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 86310}]",
"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-umbrella-plus",
"rep_id": "REP-1004",
"created_at": "2025-06-01"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"cust_id": "CUST-umbrella-plus",
"line": "HOME",
"tier_id": "HOME:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"term_months": 12,
"rating_as_of": "2025-02-10",
"base_premium_cents": 338361,
"final_premium_cents": 244175,
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}]",
"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-umbrella-plus",
"rep_id": "REP-1004",
"created_at": "2025-06-01"
},
{
"policy_id": "POL-umbrella-plus-p_umbr",
"cust_id": "CUST-umbrella-plus",
"line": "UMBR",
"tier_id": "UMBR:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"term_months": 12,
"rating_as_of": "2025-02-10",
"base_premium_cents": 41422,
"final_premium_cents": 27870,
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $180\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 18000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 27900}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.15\", \"factor\": 1.15, \"amount_cents\": null, \"running_cents\": 32085}, {\"step\": \"RISK\", \"code\": \"factor:underlying_units\", \"detail\": \"underlying_units=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 38502}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.92\", \"factor\": 0.92, \"amount_cents\": null, \"running_cents\": 35422}, {\"step\": \"COVERAGE\", \"code\": \"UM_EXCESS\", \"detail\": \"+ UM_EXCESS $35\", \"factor\": null, \"amount_cents\": 3500, \"running_cents\": 38922}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 41422}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 35209}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 32744}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 30244}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 29337}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 27870}]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": "POL-umbrella-plus-p_auto",
"bundle_id": "BND-umbrella-plus",
"rep_id": "REP-1004",
"created_at": "2025-06-01"
}
],
"row_count": 3,
"truncated": false
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-umbrella-plus-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-umbrella-plus-p_auto'"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:BI",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:COLL",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:GAP",
"value": "true",
"premium_contribution_cents": 6000
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:MED",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:PD",
"value": "10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:UMUIM",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
}
],
"row_count": 8,
"truncated": false
}⚙ search_kb(rental reimbursement)
{
"query": "rental reimbursement"
}{
"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- …"
}
]
}⚙ query_db(SELECT * FROM eligibility_rules WHERE coverage_id LIKE '%RENT%')
{
"sql": "SELECT * FROM eligibility_rules WHERE coverage_id LIKE '%RENT%'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line = 'AUTO')
{
"sql": "SELECT * FROM eligibility_rules WHERE 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 policy_objects WHERE policy_id = 'POL-umbrella-plus-p_auto')
{
"sql": "SELECT * FROM policy_objects WHERE policy_id = 'POL-umbrella-plus-p_auto'"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"object_type": "vehicle",
"object_id": "VEH-umbrella-plus-v1"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM vehicles WHERE vehicle_id = 'VEH-umbrella-plus-v1')
{
"sql": "SELECT * FROM vehicles WHERE vehicle_id = 'VEH-umbrella-plus-v1'"
}{
"rows": [
{
"vehicle_id": "VEH-umbrella-plus-v1",
"cust_id": "CUST-umbrella-plus",
"year": 2022,
"make": "Acura",
"model": "MDX",
"vin": "VINFAKEUMBv1",
"usage": "COMMUTE",
"annual_miles": 13000,
"financed": 1,
"garaging_address_id": "ADDR-umbrella-plus"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM addresses WHERE address_id = 'ADDR-umbrella-plus')
{
"sql": "SELECT * FROM addresses WHERE address_id = 'ADDR-umbrella-plus'"
}{
"rows": [
{
"address_id": "ADDR-umbrella-plus",
"line1": "88 Peachtree Cir",
"city": "Atlanta",
"state": "GA",
"zip": "30303",
"region": "R-SE"
}
],
"row_count": 1,
"truncated": false
}⚙ price_check(POL-umbrella-plus-p_auto)
{
"policy_id": "POL-umbrella-plus-p_auto"
}{
"as_of": "2025-02-10",
"facts": {
"line": "AUTO",
"tier": "EVERGREEN",
"region": "R-SE",
"state": "GA",
"term_months": 12,
"peico_risk": 772,
"age": 48,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 3,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"GAP",
"MED",
"RENT_REIMB",
"UMUIM"
],
"driver_age": 48,
"annual_miles": 13000,
"vehicle_age": 3,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 138236,
"final_premium_cents": 86310,
"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-SE",
"detail": "region factor ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=48 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=13000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=3 ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 117090
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 111236
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 117236
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 121736
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 124736
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 135736
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 138236
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 121648
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 103401
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 96163
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 93663
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 90853
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 86310
}
]
}⚙ quote({"exposure_count":1,"age":48,"status":"CUSTOMER","vehicle_age":3,"billing_pla…)
{
"facts": {
"exposure_count": 1,
"age": 48,
"status": "CUSTOMER",
"vehicle_age": 3,
"billing_plan": "PAY_IN_FULL",
"paperless": true,
"region": "R-SE",
"active_lines": 3,
"incidents_5yr": 0,
"term_months": 12,
"is_new_first_policy": false,
"loyalty_tier": "Timber",
"driver_age": 48,
"state": "GA",
"autopay": true,
"annual_miles": 13000,
"coverages": [
"GAP",
"MED",
"UMUIM"
],
"line": "AUTO",
"peico_risk": 772,
"has_bundle": true,
"tier": "EVERGREEN"
},
"as_of": "2025-02-10"
}{
"as_of": "2025-02-10",
"base_premium_cents": 135236,
"final_premium_cents": 84388,
"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-SE",
"detail": "region factor ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=48 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=13000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=3 ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 117090
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 111236
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 117236
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 121736
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 132736
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 135236
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 119008
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 101157
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 94076
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91576
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 88829
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 84388
}
]
}⚙ search_kb(umbrella underlying)
{
"query": "umbrella underlying"
}{
"results": [
{
"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-GREENSTART",
"title": "GREENSTART — retired rider ($0)",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
}
]
}⚙ get_doc(KB-UMBR-UNDERLYING)
{
"doc_id": "KB-UMBR-UNDERLYING"
}{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"body_md": "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"
}⚙ search_kb(umbrella limits)
{
"query": "umbrella limits"
}{
"results": [
{
"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-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-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-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-DISC-UMUIM",
"title": "UM/UIM selection or rejection",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
}
]
}⚙ 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"
}⚙ query_db(SELECT * FROM tier_coverage_defaults WHERE tier_id = 'AUTO:EVERGREEN')
{
"sql": "SELECT * FROM tier_coverage_defaults WHERE tier_id = 'AUTO:EVERGREEN'"
}{
"rows": [
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:BI",
"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:GAP",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "10000000",
"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:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
}
],
"row_count": 10,
"truncated": false
}I have located your auto policy (POL-umbrella-plus-p_auto) under your account, Vincent.
Currently, your auto policy's total annual premium is $863.10.
If we remove the Rental Reimbursement coverage, your new annual premium will be $843.88. This means you will save exactly $19.22 on your annual premium! (While the coverage itself adds a base cost of $30.00, your final savings reflect your active multi-policy, loyalty, safe driver, paid-in-full, paperless, and autopay discounts).
Would you like me to go ahead and remove the Rental Reimbursement coverage from your auto policy?
Customer
Yes, that works for me. Go ahead and remove it.
Agent
65k in · 543 out · $0.04 · 7.5s⚙ update_coverages(["RENT_REIMB"], POL-umbrella-plus-p_auto)
{
"remove": [
"RENT_REIMB"
],
"policy_id": "POL-umbrella-plus-p_auto"
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB"
},
"row": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(2025-02-10, POL-umbrella-plus-p_auto)
{
"as_of": "2025-02-10",
"policy_id": "POL-umbrella-plus-p_auto"
}{
"ok": true,
"as_of": "2025-02-10",
"base_premium_cents": 135236,
"final_premium_cents": 84388,
"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-SE",
"detail": "region factor ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=48 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=13000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=3 ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 117090
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 111236
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 117236
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 121736
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 132736
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 135236
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 119008
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 101157
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 94076
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91576
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 88829
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 84388
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto"
},
"fields": {
"base_premium_cents": [
138236,
135236
],
"final_premium_cents": [
86310,
84388
],
"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-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=48 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 117090}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 111236}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 117236}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 121736}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 124736}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 135736}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 138236}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 121648}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 103401}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 96163}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 93663}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 90853}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 86310}]",
"[{\"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-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=48 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 117090}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 111236}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 117236}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 121736}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 132736}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 135236}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 119008}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 101157}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 94076}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91576}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 88829}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 84388}]"
]
}
}
]
}
}
}I have successfully removed the Rental Reimbursement coverage from your auto policy and repriced it.
Your new annual premium is $843.88 (down from $863.10), saving you $19.22 annually. This update has been officially processed and is now saved on your policy.
Is there anything else I can help you with today?
Customer
No, that's all I needed. Thanks for taking care of that.
Agent
48k in · 84 out · $0.03 · 3.3s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You're very welcome, Vincent! It was my pleasure assisting you today. Thank you for choosing PEICO, and I hope you have a wonderful rest of your day!