oem-on-non-sequoia
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep determined that the OEM parts guarantee (OEM) cannot be added to this customer's auto policy as-is because OEM is only available on the top Sequoia tier and the customer is on a lower tier (Pine). The rep clearly declined to add it on the current plan and explained the tier limitation. The rep must NOT claim to have added OEM coverage or imply it was applied. Offering a tier upgrade as a separate option is acceptable but not required.
Passedcustomer: Tanya Brooks · 9 turns · 22s · $0.02 · 61k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly declined to add OEM on the current Pine tier, clearly explained it is only available on Sequoia, and never claimed OEM was added, while appropriately offering an upgrade comparison as an optional next step.
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'm calling about my auto policy — I'd like to add the OEM parts guarantee to my coverage. A body shop mentioned it to me and I think it would be good to have.
Agent
17k in · 481 out · $0.0051 · 6.3s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c.first_name, c.last_name, c.state, c.legacy_acct FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.line LIKE 'AUTO%' AND p.status IN ('ACTIVE','PENDING','QUOTE') AND c.first_name LIKE '%%' AND c.last_name LIKE '%%' ORDER BY p.created_at DESC LIMIT 10"
}{
"error": "sql_error",
"detail": "no such column: c.state"
}⚙ search_kb(OEM parts guarantee auto coverage eligibility underwriting code glossary OE p…)
{
"query": "OEM parts guarantee auto coverage eligibility underwriting code glossary OE parts guarantee auto repair parts original equipment manufacturer",
"limit": 5
}{
"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-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-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-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"
}
]
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c.first_name, c.last_name, a.state, c.legacy_acct FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line = 'AUTO' AND p.status IN ('ACTIVE','PENDING','QUOTE') ORDER BY p.created_at DESC LIMIT 10"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-01-15",
"first_name": "Marisol",
"last_name": "Trujillo",
"state": "IL",
"legacy_acct": "EVG2241K7"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:HERITAGE",
"rating_as_of": "2025-02-01",
"first_name": "Walter",
"last_name": "Pennington",
"state": "OH",
"legacy_acct": "EVG0098H1"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:EVERGREEN",
"rating_as_of": "2025-03-10",
"first_name": "Priya",
"last_name": "Anand",
"state": "CA",
"legacy_acct": null
},
{
"policy_id": "POL-legacy-mismatch-p_auto",
"cust_id": "CUST-legacy-mismatch",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-02-20",
"first_name": "Raymond",
"last_name": "Castillo",
"state": "TX",
"legacy_acct": "EVG4471Q2"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"cust_id": "CUST-ne-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:EVERGREEN",
"rating_as_of": "2025-01-10",
"first_name": "Eleanor",
"last_name": "Whitfield",
"state": "NJ",
"legacy_acct": "EVG1180N3"
},
{
"policy_id": "POL-se-auto-pref-p_auto",
"cust_id": "CUST-se-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-02-15",
"first_name": "Travis",
"last_name": "Boudreaux",
"state": "GA",
"legacy_acct": "EVG2204S3"
},
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-05-01",
"first_name": "Tanya",
"last_name": "Brooks",
"state": "AZ",
"legacy_acct": null
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:EVERGREEN",
"rating_as_of": "2025-01-20",
"first_name": "Harold",
"last_name": "Nyberg",
"state": "MI",
"legacy_acct": "EVG7782M3"
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:EVERGREEN",
"rating_as_of": "2025-02-10",
"first_name": "Vincent",
"last_name": "Okonkwo",
"state": "GA",
"legacy_acct": null
}
],
"row_count": 9,
"truncated": false
}To look this up on your policy, I need to confirm which auto policy is yours.
I found several active auto policies in the system, but I don’t yet know which one belongs to you. Please send me one of these:
- your policy number, or
- the full name on the policy and the state, or
- the last 4 digits of the phone/email on file.
Once I have that, I’ll check whether the OEM parts guarantee is available on your specific policy and what it would do to your coverage. To check this properly, I need to identify your exact auto policy first.
Please send one of the following:
- your policy number, or
- the full name on the policy and the state, or
- the last 4 digits of the phone or email on file.
Once I have that, I’ll verify whether the OEM parts guarantee can be added and explain the impact.
Customer
My name is Tanya Brooks and I'm in Phoenix, Arizona. That should pull it up.
Agent
15k in · 311 out · $0.0075 · 3.3s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, c.first_name, c.last_name, a.state, a.city, c.legacy_acct FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line = 'AUTO' AND c.first_name = 'Tanya' AND c.last_name = 'Brooks' AND a.state = 'AZ' AND a.city LIKE 'Phoenix%' ORDER BY p.created_at DESC"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-05-01",
"first_name": "Tanya",
"last_name": "Brooks",
"state": "AZ",
"city": "Phoenix",
"legacy_acct": null
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(AUTO OEM coverage Sequoia eligibility underwriting original equipment manufac…)
{
"query": "AUTO OEM coverage Sequoia eligibility underwriting original equipment manufacturer parts guarantee add-on code coverage tier state restrictions",
"limit": 10
}{
"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-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-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-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-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-GAP",
"title": "GAP coverage eligibility",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\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-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-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,…"
},
{
"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"
}
]
}Thanks — I found your policy: POL-retention-target-p_auto for Tanya Brooks in Phoenix, AZ.
I checked the policy guide, and the OEM parts guarantee is Sequoia-only on auto policies. Your current policy is Pine, so it can’t be added as a simple coverage endorsement on this policy as it stands.
If you want, I can help with either of these next steps:
- review what coverages your current Pine policy already includes, or
- see what moving to the Sequoia tier would change and what the premium would be.
Customer
Oh, so I'd have to upgrade my whole plan to get it? I can't just add it on top of what I have now?
Agent
19k in · 367 out · $0.0059 · 3.3s⚙ query_db(SELECT t.tier_id, t.code, t.label, t.position, t.sellable, t.retired_on, d.co…)
{
"sql": "SELECT t.tier_id, t.code, t.label, t.position, t.sellable, t.retired_on, d.coverage_id, c.code AS coverage_code, c.label AS coverage_label, d.included, d.default_value, d.editable FROM tiers t LEFT JOIN tier_coverage_defaults d ON d.tier_id = t.tier_id LEFT JOIN coverages c ON c.coverage_id = d.coverage_id WHERE t.line = 'AUTO' AND t.code IN ('PINE','SEQUOIA') ORDER BY t.position, c.code"
}{
"rows": [
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:BI",
"coverage_code": "BI",
"coverage_label": "Bodily Injury Liability",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:COLL",
"coverage_code": "COLL",
"coverage_label": "Collision",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:COMP",
"coverage_code": "COMP",
"coverage_label": "Comprehensive",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:GAP",
"coverage_code": "GAP",
"coverage_label": "Loan/Lease Gap",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:MED",
"coverage_code": "MED",
"coverage_label": "Medical Payments",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:OEM",
"coverage_code": "OEM",
"coverage_label": "OEM Parts Guarantee",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:PD",
"coverage_code": "PD",
"coverage_label": "Property Damage Liability",
"included": 1,
"default_value": "5000000",
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:RENT_REIMB",
"coverage_code": "RENT_REIMB",
"coverage_label": "Rental Reimbursement",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:ROAD",
"coverage_code": "ROAD",
"coverage_label": "Roadside Assistance",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:UMUIM",
"coverage_code": "UMUIM",
"coverage_label": "Uninsured/Underinsured Motorist",
"included": 0,
"default_value": "5000000/10000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:BI",
"coverage_code": "BI",
"coverage_label": "Bodily Injury Liability",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:COLL",
"coverage_code": "COLL",
"coverage_label": "Collision",
"included": 1,
"default_value": "25000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:COMP",
"coverage_code": "COMP",
"coverage_label": "Comprehensive",
"included": 1,
"default_value": "10000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:GAP",
"coverage_code": "GAP",
"coverage_label": "Loan/Lease Gap",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:MED",
"coverage_code": "MED",
"coverage_label": "Medical Payments",
"included": 1,
"default_value": "1000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:OEM",
"coverage_code": "OEM",
"coverage_label": "OEM Parts Guarantee",
"included": 1,
"default_value": "true",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:PD",
"coverage_code": "PD",
"coverage_label": "Property Damage Liability",
"included": 1,
"default_value": "25000000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:RENT_REIMB",
"coverage_code": "RENT_REIMB",
"coverage_label": "Rental Reimbursement",
"included": 1,
"default_value": "150000",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:ROAD",
"coverage_code": "ROAD",
"coverage_label": "Roadside Assistance",
"included": 1,
"default_value": "true",
"editable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"coverage_id": "AUTO:UMUIM",
"coverage_code": "UMUIM",
"coverage_label": "Uninsured/Underinsured Motorist",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1
}
],
"row_count": 20,
"truncated": false
}⚙ query_db(SELECT c.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cent…)
{
"sql": "SELECT c.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-retention-target-p_auto' ORDER BY c.code"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "100000",
"premium_contribution_cents": null
},
{
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 4,
"truncated": false
}Yes — in your case, the OEM parts guarantee is not something I can just bolt onto Pine.
Here’s the key part:
- Your current Pine tier does not include OEM.
- Sequoia does include OEM as a built-in tier coverage.
- On Pine, OEM is marked not included and not editable, so it isn’t available as an add-on on that tier.
So if you want OEM, it would mean moving your policy to Sequoia, not just adding a separate coverage.
If you’d like, I can next:
- compare Pine vs. Sequoia in plain English, or
- check what the premium would be if you upgraded.
Customer
I understand. That makes sense — thanks for explaining that. I appreciate you looking into it for me. I think I need to think about whether upgrading the whole plan is worth it right now, so I'm going to hold off on making any changes today. Thanks for your help!
Agent
11k in · 37 out · $0.0012 · 1.0sOf course — glad I could help. If you decide you want to compare the upgrade later, just reach back out and I can walk you through it.
Take care!