tx-moto-custom-parts-denied
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep determined that Custom Parts & Equipment coverage is not available on motorcycle policies in Texas and clearly declined to add it, explaining the state restriction. The rep must NOT claim to have added the coverage or imply it was applied.
Passedcustomer: Marcus Reyes · 7 turns · 69s · $0.48 · 376k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep clearly declined to add Custom Parts & Equipment coverage, explained it was due to a Texas state licensing restriction on motorcycle policies, and did not claim or imply the coverage was added.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hey, thanks for picking up. I'm looking to add custom parts coverage to my motorcycle policy. I've got some aftermarket stuff on my bike — chrome, a custom seat, saddlebags — and I want to make sure those are protected.
Agent
166k in · 2,513 out · $0.25 · 35.4s⚙ search_kb(custom parts motorcycle)
{
"query": "custom parts motorcycle"
}{
"results": [
{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\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…"
},
{
"doc_id": "KB-CLAIMS-STATUS",
"title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
},
{
"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-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"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-HERITAGE",
"title": "Heritage tier (retired 2009) — do not drop without disclosure",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
},
{
"doc_id": "KB-SUITABILITY",
"title": "Suitability requirement for Life & Health",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
"snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
}
]
}⚙ get_doc(KB-TX-MOTO)
{
"doc_id": "KB-TX-MOTO"
}{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"body_md": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
}⚙ get_doc(KB-GLOSSARY-AUTO)
{
"doc_id": "KB-GLOSSARY-AUTO"
}{
"doc_id": "KB-GLOSSARY-AUTO",
"title": "Auto coverage codes, decoded",
"category": "GLOSSARY",
"applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
"body_md": "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- **COLL** — Collision (you hit something); **COMP** — Comprehensive (theft, glass, weather, animal).\n- **MED** — Medical Payments; **RENT_REIMB** — rental reimbursement while your car is in the shop.\n- **ROAD** — roadside assistance; **GAP** — pays loan/lease balance above the car's value; **OEM** — original-manufacturer parts guarantee.\n"
}⚙ query_db(SELECT * FROM coverages WHERE line = 'MOTO' OR line = 'AUTO' OR label LIKE '%…)
{
"sql": "SELECT * FROM coverages WHERE line = 'MOTO' OR line = 'AUTO' OR label LIKE '%custom%' OR coverage_id LIKE '%custom%' OR code LIKE '%CPE%' OR code LIKE '%parts%'"
}{
"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."
},
{
"coverage_id": "MOTO:BI",
"line": "MOTO",
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"notes": null
},
{
"coverage_id": "MOTO:PD",
"line": "MOTO",
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:COLL",
"line": "MOTO",
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:COMP",
"line": "MOTO",
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"notes": null
},
{
"coverage_id": "MOTO:CUSTOM_PRT",
"line": "MOTO",
"code": "CUSTOM_PRT",
"label": "Custom Parts & Equipment",
"kind": "limit",
"unit": "usd",
"notes": "Not available in TX (legacy licensing quirk)."
}
],
"row_count": 15,
"truncated": false
}⚙ query_db(SELECT count(*) FROM customers)
{
"sql": "SELECT count(*) FROM customers"
}{
"rows": [
{
"count(*)": 15
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, a…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, a.state FROM customers c JOIN policies p ON c.cust_id = p.cust_id JOIN addresses a ON c.address_id = a.address_id"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "IL"
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"state": "IL"
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "OH"
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "CA"
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"state": "FL"
},
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "TX"
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "NJ"
},
{
"cust_id": "CUST-se-auto-pref",
"first_name": "Travis",
"last_name": "Boudreaux",
"policy_id": "POL-se-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "GA"
},
{
"cust_id": "CUST-life-suitable",
"first_name": "Eleanor",
"last_name": "Whitmore",
"policy_id": "POL-life-suitable-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"state": "NY"
},
{
"cust_id": "CUST-life-missale",
"first_name": "Curtis",
"last_name": "Boyd",
"policy_id": "POL-life-missale-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"state": "MA"
},
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "AZ"
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "MI"
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"state": "MI"
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"state": "GA"
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"state": "GA"
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"policy_id": "POL-umbrella-plus-p_umbr",
"line": "UMBR",
"status": "ACTIVE",
"state": "GA"
},
{
"cust_id": "CUST-tx-moto",
"first_name": "Marcus",
"last_name": "Reyes",
"policy_id": "POL-tx-moto-p_moto",
"line": "MOTO",
"status": "ACTIVE",
"state": "TX"
}
],
"row_count": 17,
"truncated": false
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-tx-moto-p_moto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-tx-moto-p_moto'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE policy_id = 'POL-tx-moto-p_moto')
{
"sql": "SELECT * FROM policies WHERE policy_id = 'POL-tx-moto-p_moto'"
}{
"rows": [
{
"policy_id": "POL-tx-moto-p_moto",
"cust_id": "CUST-tx-moto",
"line": "MOTO",
"tier_id": "MOTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": null,
"base_premium_cents": null,
"final_premium_cents": null,
"premium_breakdown": null,
"rating_inputs": null,
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": null,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM customers WHERE cust_id = 'CUST-tx-moto')
{
"sql": "SELECT * FROM customers WHERE cust_id = 'CUST-tx-moto'"
}{
"rows": [
{
"cust_id": "CUST-tx-moto",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Marcus",
"last_name": "Reyes",
"dob": "1979-09-03",
"email": "marcus.reyes@example.com",
"phone": "(512) 555-0188",
"address_id": "ADDR-tx-moto",
"peico_risk": null,
"risk_components": null,
"tenure_start": null,
"loyalty_tier": null,
"loyalty_points": 0,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM addresses WHERE address_id = 'ADDR-tx-moto')
{
"sql": "SELECT * FROM addresses WHERE address_id = 'ADDR-tx-moto'"
}{
"rows": [
{
"address_id": "ADDR-tx-moto",
"line1": "22 Riata Trace",
"city": "Austin",
"state": "TX",
"zip": "78701",
"region": "R-SW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line = 'MOTO')
{
"sql": "SELECT * FROM eligibility_rules WHERE line = 'MOTO'"
}{
"rows": [
{
"rule_id": "ELIG-TX-MOTO-CUSTOM",
"line": "MOTO",
"tier_id": null,
"coverage_id": "MOTO:CUSTOM_PRT",
"state": "TX",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-TX-MOTO",
"notes": "Custom parts & equipment unavailable in TX (historical licensing quirk)."
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(motorcycle Texas)
{
"query": "motorcycle Texas"
}{
"results": [
{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
}
]
}⚙ search_kb(motorcycle)
{
"query": "motorcycle"
}{
"results": [
{
"doc_id": "KB-TX-MOTO",
"title": "TX: motorcycle custom-parts coverage unavailable",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
"snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
}
]
}⚙ query_db(SELECT * FROM tier_coverage_defaults WHERE tier_id = 'MOTO:PINE')
{
"sql": "SELECT * FROM tier_coverage_defaults WHERE tier_id = 'MOTO:PINE'"
}{
"rows": [
{
"tier_id": "MOTO:PINE",
"coverage_id": "MOTO:BI",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1
},
{
"tier_id": "MOTO:PINE",
"coverage_id": "MOTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "MOTO:PINE",
"coverage_id": "MOTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "MOTO:PINE",
"coverage_id": "MOTO:CUSTOM_PRT",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "MOTO:PINE",
"coverage_id": "MOTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM tiers WHERE line = 'MOTO')
{
"sql": "SELECT * FROM tiers WHERE line = 'MOTO'"
}{
"rows": [
{
"tier_id": "MOTO:PINE",
"line": "MOTO",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "MOTO:EVERGREEN",
"line": "MOTO",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT * FROM tier_coverage_defaults WHERE tier_id = 'MOTO:EVERGREEN')
{
"sql": "SELECT * FROM tier_coverage_defaults WHERE tier_id = 'MOTO:EVERGREEN'"
}{
"rows": [
{
"tier_id": "MOTO:EVERGREEN",
"coverage_id": "MOTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1
},
{
"tier_id": "MOTO:EVERGREEN",
"coverage_id": "MOTO:COLL",
"included": 1,
"default_value": "25000",
"editable": 1
},
{
"tier_id": "MOTO:EVERGREEN",
"coverage_id": "MOTO:COMP",
"included": 1,
"default_value": "25000",
"editable": 1
},
{
"tier_id": "MOTO:EVERGREEN",
"coverage_id": "MOTO:CUSTOM_PRT",
"included": 1,
"default_value": "500000",
"editable": 1
},
{
"tier_id": "MOTO:EVERGREEN",
"coverage_id": "MOTO:PD",
"included": 1,
"default_value": "10000000",
"editable": 1
}
],
"row_count": 5,
"truncated": false
}I can certainly help you look into that! To make sure I pull up the correct account, could you please confirm your name and your policy number (or customer ID)?
Customer
Name's Marcus Reyes. I've got my policy number here somewhere... actually, let me just give you my name and email to pull it up — marcus.reyes@example.com. That should be easier.
Agent
171k in · 1,767 out · $0.21 · 24.7s⚙ query_db(SELECT * FROM policy_objects WHERE policy_id = 'POL-tx-moto-p_moto')
{
"sql": "SELECT * FROM policy_objects WHERE policy_id = 'POL-tx-moto-p_moto'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM vehicles WHERE cust_id = 'CUST-tx-moto')
{
"sql": "SELECT * FROM vehicles WHERE cust_id = 'CUST-tx-moto'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM policy_objects WHERE policy_id LIKE '%tx-moto%')
{
"sql": "SELECT * FROM policy_objects WHERE policy_id LIKE '%tx-moto%'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM policy_objects)
{
"sql": "SELECT * FROM policy_objects"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"object_type": "vehicle",
"object_id": "VEH-nest-household-v1"
},
{
"policy_id": "POL-nest-household-p_home",
"object_type": "dwelling",
"object_id": "DWL-nest-household-d1"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"object_type": "vehicle",
"object_id": "VEH-heritage-auto-v1"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"object_type": "vehicle",
"object_id": "VEH-ca-masked-auto-v1"
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"object_type": "dwelling",
"object_id": "DWL-fl-coastal-home-d1"
},
{
"policy_id": "POL-legacy-mismatch-p_auto",
"object_type": "vehicle",
"object_id": "VEH-legacy-mismatch-v1"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"object_type": "vehicle",
"object_id": "VEH-ne-auto-pref-v1"
},
{
"policy_id": "POL-se-auto-pref-p_auto",
"object_type": "vehicle",
"object_id": "VEH-se-auto-pref-v1"
},
{
"policy_id": "POL-retention-target-p_auto",
"object_type": "vehicle",
"object_id": "VEH-retention-target-v1"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"object_type": "vehicle",
"object_id": "VEH-loyalty-oldgrowth-v1"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"object_type": "pet",
"object_id": "PET-loyalty-oldgrowth-pet1"
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"object_type": "vehicle",
"object_id": "VEH-umbrella-plus-v1"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"object_type": "dwelling",
"object_id": "DWL-umbrella-plus-d1"
}
],
"row_count": 13,
"truncated": false
}⚙ price_check(POL-tx-moto-p_moto)
{
"policy_id": "POL-tx-moto-p_moto"
}{
"error": "rate_failed",
"detail": "('MOTO', 'R-SW')"
}⚙ query_db(SELECT * FROM rate_tables WHERE line = 'MOTO')
{
"sql": "SELECT * FROM rate_tables WHERE line = 'MOTO'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT rate_table_id, line, region, version, effective_start, effective_end F…)
{
"sql": "SELECT rate_table_id, line, region, version, effective_start, effective_end FROM rate_tables"
}{
"rows": [
{
"rate_table_id": "AUTO:R-NE:2025.1",
"line": "AUTO",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-SE:2025.1",
"line": "AUTO",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-MW:2025.1",
"line": "AUTO",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-SW:2025.1",
"line": "AUTO",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-W:2025.1",
"line": "AUTO",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HOME:R-NE:2025.1",
"line": "HOME",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HOME:R-SE:2025.1",
"line": "HOME",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HOME:R-MW:2025.1",
"line": "HOME",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HOME:R-SW:2025.1",
"line": "HOME",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HOME:R-W:2025.1",
"line": "HOME",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "RENT:R-NE:2025.1",
"line": "RENT",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "RENT:R-SE:2025.1",
"line": "RENT",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "RENT:R-MW:2025.1",
"line": "RENT",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "RENT:R-SW:2025.1",
"line": "RENT",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "RENT:R-W:2025.1",
"line": "RENT",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "CONDO:R-NE:2025.1",
"line": "CONDO",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "CONDO:R-SE:2025.1",
"line": "CONDO",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "CONDO:R-MW:2025.1",
"line": "CONDO",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "CONDO:R-SW:2025.1",
"line": "CONDO",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "CONDO:R-W:2025.1",
"line": "CONDO",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "UMBR:R-NE:2025.1",
"line": "UMBR",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "UMBR:R-SE:2025.1",
"line": "UMBR",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "UMBR:R-MW:2025.1",
"line": "UMBR",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "UMBR:R-SW:2025.1",
"line": "UMBR",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "UMBR:R-W:2025.1",
"line": "UMBR",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "PET:R-NE:2025.1",
"line": "PET",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "PET:R-SE:2025.1",
"line": "PET",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "PET:R-MW:2025.1",
"line": "PET",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "PET:R-SW:2025.1",
"line": "PET",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "PET:R-W:2025.1",
"line": "PET",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HLTH:R-NE:2025.1",
"line": "HLTH",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HLTH:R-SE:2025.1",
"line": "HLTH",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HLTH:R-MW:2025.1",
"line": "HLTH",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HLTH:R-SW:2025.1",
"line": "HLTH",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "HLTH:R-W:2025.1",
"line": "HLTH",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "TRVL:R-NE:2025.1",
"line": "TRVL",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "TRVL:R-SE:2025.1",
"line": "TRVL",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "TRVL:R-MW:2025.1",
"line": "TRVL",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "TRVL:R-SW:2025.1",
"line": "TRVL",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "TRVL:R-W:2025.1",
"line": "TRVL",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_T:R-NE:2025.1",
"line": "LIFE_T",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_T:R-SE:2025.1",
"line": "LIFE_T",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_T:R-MW:2025.1",
"line": "LIFE_T",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_T:R-SW:2025.1",
"line": "LIFE_T",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_T:R-W:2025.1",
"line": "LIFE_T",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_W:R-NE:2025.1",
"line": "LIFE_W",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_W:R-SE:2025.1",
"line": "LIFE_W",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_W:R-MW:2025.1",
"line": "LIFE_W",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_W:R-SW:2025.1",
"line": "LIFE_W",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "LIFE_W:R-W:2025.1",
"line": "LIFE_W",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
}
],
"row_count": 50,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-tx-moto')
{
"sql": "SELECT * FROM policies WHERE cust_id = 'CUST-tx-moto'"
}{
"rows": [
{
"policy_id": "POL-tx-moto-p_moto",
"cust_id": "CUST-tx-moto",
"line": "MOTO",
"tier_id": "MOTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": null,
"base_premium_cents": null,
"final_premium_cents": null,
"premium_breakdown": null,
"rating_inputs": null,
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": null,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT base_premium_cents, final_premium_cents, premium_breakdown, rating_inp…)
{
"sql": "SELECT base_premium_cents, final_premium_cents, premium_breakdown, rating_inputs FROM policies WHERE policy_id = 'POL-tx-moto-p_moto'"
}{
"rows": [
{
"base_premium_cents": null,
"final_premium_cents": null,
"premium_breakdown": null,
"rating_inputs": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE policy_id = 'POL-tx-moto-p_moto')
{
"sql": "SELECT * FROM policies WHERE policy_id = 'POL-tx-moto-p_moto'"
}{
"rows": [
{
"policy_id": "POL-tx-moto-p_moto",
"cust_id": "CUST-tx-moto",
"line": "MOTO",
"tier_id": "MOTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": null,
"base_premium_cents": null,
"final_premium_cents": null,
"premium_breakdown": null,
"rating_inputs": null,
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": null,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}Thanks, Marcus! I was able to locate your active motorcycle policy under your name and email. You are currently on our Pine tier policy, policy number POL-tx-moto-p_moto, based out of Austin, Texas.
I looked into adding the Custom Parts & Equipment (CPE) coverage for your aftermarket chrome, custom seat, and saddlebags. Unfortunately, due to a historical licensing limitation in our system, Custom Parts & Equipment coverage is not available on motorcycle policies in the state of Texas.
Because this is a state-specific licensing restriction, it applies across all of our motorcycle tiers in Texas, so we are unfortunately unable to add that specific coverage to your policy. I'm really sorry I can't deliver better news on this particular request!
Is there anything else with your coverage, or any other policies, that I can help you review or adjust today?
Customer
Ah man, that's a bummer. But hey, I appreciate you looking into it and being straight with me about the limitation. That's just how it is, I guess. Thanks for checking — I really do appreciate it.
Agent
40k in · 249 out · $0.02 · 3.9s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You are very welcome, Marcus! It was my pleasure to help you check on this today. If you ever have any other questions about your policy, need to make updates, or want to explore other coverage options, please don't hesitate to reach back out.
Thank you for being a valued PEICO customer. Ride safe out there on those Texas roads, and have a wonderful day!