legacy-glossary-coverage-compare

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 correctly explained the three legacy codes in plain language — UMUIM is uninsured/underinsured motorist coverage, RENT_REIMB is rental reimbursement while the car is in the shop, and OEM is an original-manufacturer parts guarantee — AND verified against the customer's actual current policy that all three are still included today, answering yes for each. Telling him any of the three is no longer on his policy is a fail. Answering only from general tier descriptions without confirming his specific policy's coverages, when the transcript shows no check of his actual policy, is a fail. The rep must not change anything or sell anything.

Passedcustomer: Walter Pennington · 7 turns · 17s · $0.02 · 54k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly explained UMUIM, RENT_REIMB, and OEM in plain language, confirmed all three are on Walter's current policy (matching the reference answer's policy data), and did not sell or change anything.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi there. I'm Walter Pennington, and I found an old declarations page from my EVERGREEN policy while cleaning out some files. It has a bunch of coverage codes on it that I don't understand, and I want to know what three of them mean and whether I still have those coverages today.

Agent

⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, c.first_name, c.last_name FR…)

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Walter' AND c.last_name = 'Pennington' ORDER BY p.created_at DESC LIMIT 5"
}

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "cust_id": "CUST-heritage-auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "first_name": "Walter",
      "last_name": "Pennington"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line …)

{
  "sql": "SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line = 'AUTO' ORDER BY code"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "kind": "limit",
      "unit": "usd_split",
      "notes": "Per-person / per-accident. Limit rises by tier."
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "kind": "deductible",
      "unit": "usd",
      "notes": "Deductible falls by tier."
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "kind": "deductible",
      "unit": "usd",
      "notes": "Deductible falls by tier."
    },
    {
      "coverage_id": "AUTO:GAP",
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "kind": "flag",
      "unit": "bool",
      "notes": "Eligible only if the vehicle is financed (eligibility rule)."
    },
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "kind": "limit",
      "unit": "usd",
      "notes": "Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "kind": "flag",
      "unit": "bool",
      "notes": "Sequoia only."
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "kind": "limit",
      "unit": "usd",
      "notes": "Limit rises by tier."
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "kind": "limit",
      "unit": "usd",
      "notes": "Per-day/max. Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:ROAD",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "kind": "flag",
      "unit": "bool",
      "notes": "Included at Sequoia; add-on elsewhere."
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "kind": "limit",
      "unit": "usd_split",
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
    }
  ],
  "row_count": 10,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cen…)

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-heritage-auto-p_auto' ORDER BY c.code"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "10000000/30000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "value": "500000",
      "premium_contribution_cents": 4500
    },
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "value": "true",
      "premium_contribution_cents": 4000
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000",
      "premium_contribution_cents": 3000
    },
    {
      "coverage_id": "AUTO:ROAD",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "value": "true",
      "premium_contribution_cents": 2500
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "value": "10000000/30000000",
      "premium_contribution_cents": 11000
    }
  ],
  "row_count": 9,
  "truncated": false
}

Absolutely — I found your current auto policy on file, and I can translate the codes for you.

Here are three common ones from your declarations page, and whether you still have them today:

BI = Bodily Injury Liability
This covers injuries you may cause to other people in an at-fault accident.
Yes, you still have it on your current policy.
COLL = Collision
This helps pay for damage to your own car from a collision, usually subject to a deductible.
Yes, you still have it.
UMUIM = Uninsured/Underinsured Motorist
This protects you if you’re hurt by a driver with no insurance or too little insurance.
Yes, you still have it.

A few extra notes from your current policy:

Your BI and UM/UIM are both set at $100,000 / $300,000
Collision and Comprehensive each have a $500 deductible
You also currently carry MED, OEM, RENT_REIMB, and ROAD

If you want, I can also decode more codes from that declarations page — just send me the three you’re looking at.

21k in · 461 out · $0.0065 · 4.9s

Customer

Great, thanks for that. Yeah, I actually do need the other two explained — **RENT_REIMB** and **OEM**. Can you tell me what those mean and whether I still have them on my current policy today?

Agent

⚙ query_db(SELECT p.policy_id, c.first_name, c.last_name FROM policies p JOIN customers …)

{
  "sql": "SELECT p.policy_id, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Walter' AND c.last_name = 'Pennington' ORDER BY p.created_at DESC LIMIT 1"
}

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "first_name": "Walter",
      "last_name": "Pennington"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOI…)

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-heritage-auto-p_auto' AND c.code IN ('RENT_REIMB','OEM') ORDER BY c.code"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000"
    }
  ],
  "row_count": 2,
  "truncated": false
}

Of course — here’s what those mean, and yes, you still have both on your current auto policy:

RENT_REIMB = Rental Reimbursement
This helps pay for a rental car while your covered vehicle is being repaired after a covered loss.
Yes, you still have it on your policy today.
OEM = OEM Parts Guarantee
This means repairs may use original equipment manufacturer parts instead of aftermarket parts, when applicable.
Yes, you still have it on your policy today.

So the short answer is: both RENT_REIMB and OEM are still active on your current policy.

If you’d like, I can also list every coverage on that policy in plain English.

19k in · 310 out · $0.0081 · 4.0s

Customer

Perfect — that's exactly what I needed. Thanks for breaking those down and confirming I still have all three. I really appreciate the help.

Agent

⚙ end_conversation()

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}

You’re very welcome, Walter — glad I could help. If you need anything else from PEICO, just reach out anytime.

14k in · 43 out · $0.0020 · 1.5s