roadside-add-execute
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-ne-auto-pref-p_auto"
},
"fields": {
"base_premium_cents": [
144108,
146608
],
"final_premium_cents": [
114557,
116584
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"added": [
{
"pk": {
"policy_id": "POL-ne-auto-pref-p_auto",
"coverage_id": "AUTO:ROAD"
},
"row": {
"policy_id": "POL-ne-auto-pref-p_auto",
"coverage_id": "AUTO:ROAD",
"value": "*",
"premium_contribution_cents": "*"
}
}
]
}
}Judge rubric
The rep (1) confirmed roadside assistance is available to add on her Evergreen-tier auto policy (per the tier guide it's included at Sequoia and an add-on below it — she qualifies); (2) gave her a concrete price — the $25/yr list price, the discount-adjusted true increase of about $20.27/yr, or the new annual total of about $1,165.84 are all acceptable; and (3) actually executed the addition on this call and told her so. Telling her roadside is unavailable on her tier (e.g. "Sequoia-only") is a fail — that confuses ROAD with the OEM rule. Deflecting the add to another team or process instead of performing it, or claiming it's done without writing it, is a fail. Quoting an interim estimate and then a different figure is sloppy but passable ONLY if the final stated increase or total is one of the correct figures above ($25/yr list, ~$20.27/yr true, or ~$1,165.84 total) — the final confirmed number is what she acts on.
Passedcustomer: Eleanor Whitfield · 11 turns · 29s · $0.04 · 159k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: Although the rep initially misstated that ROAD was Sequoia-only, she corrected herself, confirmed it was addable on Evergreen, gave the correct price figures ($20.27/yr increase, $1,165.84 total), and stated she executed the addition and repriced the policy, satisfying the rubric's final-state requirement.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi there! I'm calling because I'd like to add roadside assistance to my auto policy. I've been driving down to Maryland pretty regularly and had a scare last month when a friend's car broke down on the turnpike. I'd like to know what that costs per year.
Agent
31k in · 449 out · $0.0092 · 5.8s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.tier_id, p…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.tier_id, p.final_premium_cents, c.state, c.region, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.status IN ('ACTIVE','PENDING','QUOTE') AND p.line LIKE 'AUTO%' AND c.first_name LIKE '%' AND c.last_name LIKE '%' LIMIT 10"
}{
"error": "sql_error",
"detail": "no such column: c.state"
}⚙ search_kb(roadside assistance auto coverage cost eligibility Maryland turnpike policy r…)
{
"query": "roadside assistance auto coverage cost eligibility Maryland turnpike policy roadside assistance",
"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-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
},
{
"doc_id": "KB-CONDO-MASTER",
"title": "Condo loss assessment & the HOA master policy",
"category": "POLICY",
"applies_to": "{\"lines\": [\"CONDO\"]}",
"snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\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…"
}
]
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.tier_id, p…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.tier_id, p.final_premium_cents, c.first_name, c.last_name, c.address_id FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.line = 'AUTO' AND p.status IN ('ACTIVE','PENDING','QUOTE') LIMIT 10"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-15",
"tier_id": "AUTO:PINE",
"final_premium_cents": 49184,
"first_name": "Marisol",
"last_name": "Trujillo",
"address_id": "ADDR-nest-household"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-01",
"tier_id": "AUTO:HERITAGE",
"final_premium_cents": 176297,
"first_name": "Walter",
"last_name": "Pennington",
"address_id": "ADDR-heritage-auto"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-03-10",
"tier_id": "AUTO:EVERGREEN",
"final_premium_cents": 147023,
"first_name": "Priya",
"last_name": "Anand",
"address_id": "ADDR-ca-masked-auto"
},
{
"policy_id": "POL-legacy-mismatch-p_auto",
"cust_id": "CUST-legacy-mismatch",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-20",
"tier_id": "AUTO:PINE",
"final_premium_cents": 120468,
"first_name": "Raymond",
"last_name": "Castillo",
"address_id": "ADDR-legacy-mismatch"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"cust_id": "CUST-ne-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-10",
"tier_id": "AUTO:EVERGREEN",
"final_premium_cents": 114557,
"first_name": "Eleanor",
"last_name": "Whitfield",
"address_id": "ADDR-ne-auto-pref"
},
{
"policy_id": "POL-se-auto-pref-p_auto",
"cust_id": "CUST-se-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-15",
"tier_id": "AUTO:PINE",
"final_premium_cents": 72643,
"first_name": "Travis",
"last_name": "Boudreaux",
"address_id": "ADDR-se-auto-pref"
},
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-05-01",
"tier_id": "AUTO:PINE",
"final_premium_cents": 91350,
"first_name": "Tanya",
"last_name": "Brooks",
"address_id": "ADDR-retention-target"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"tier_id": "AUTO:EVERGREEN",
"final_premium_cents": 89796,
"first_name": "Harold",
"last_name": "Nyberg",
"address_id": "ADDR-loyalty-oldgrowth"
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"tier_id": "AUTO:EVERGREEN",
"final_premium_cents": 86310,
"first_name": "Vincent",
"last_name": "Okonkwo",
"address_id": "ADDR-umbrella-plus"
}
],
"row_count": 9,
"truncated": false
}⚙ query_db(SELECT tier_id, code, label, sellable FROM tiers WHERE line = 'AUTO' ORDER BY…)
{
"sql": "SELECT tier_id, code, label, sellable FROM tiers WHERE line = 'AUTO' ORDER BY position"
}{
"rows": [
{
"tier_id": "AUTO:HERITAGE",
"code": "HERITAGE",
"label": "Heritage",
"sellable": 0
},
{
"tier_id": "AUTO:SAPLING",
"code": "SAPLING",
"label": "Sapling",
"sellable": 1
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"sellable": 1
},
{
"tier_id": "AUTO:EVERGREEN",
"code": "EVERGREEN",
"label": "Evergreen",
"sellable": 1
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"sellable": 1
}
],
"row_count": 5,
"truncated": false
}⚙ search_kb(roadside assistance ROAD auto included add-on cost premium coverage code elig…)
{
"query": "roadside assistance ROAD auto included add-on cost premium coverage code eligibility",
"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-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-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-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-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-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
},
{
"doc_id": "KB-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
},
{
"doc_id": "KB-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-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…"
}
]
}Roadside assistance is available on our auto policies, but for your current tier it’s not included unless you’re on Sequoia. I can’t give you an exact annual price yet without checking your specific policy, because the cost depends on the policy’s current facts and tier.
If you’d like, send me your policy number or the name on the policy, and I can look it up and tell you:
- whether roadside can be added, and
- the exact yearly cost.
If you already know the policy ID, I can check it right away.
Customer
Sure, I can give you that. It's EVG1180N3. And the name on the policy is Eleanor Whitfield.
Agent
36k in · 443 out · $0.01 · 5.6s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, p…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, p.final_premium_cents, c.first_name, c.last_name, c.state FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.policy_id = 'EVG1180N3' OR p.policy_id LIKE '%EVG1180N3%' OR (c.first_name = 'Eleanor' AND c.last_name = 'Whitfield')"
}{
"error": "sql_error",
"detail": "no such column: c.state"
}⚙ search_kb(AUTO ROAD coverage add-on pricing Sequoia roadside assistance included cost p…)
{
"query": "AUTO ROAD coverage add-on pricing Sequoia roadside assistance included cost premium rating engine ROAD code",
"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-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"
},
{
"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-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…"
}
]
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, p…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.tier_id, p.rating_as_of, p.final_premium_cents, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.policy_id = 'EVG1180N3' OR (c.first_name = 'Eleanor' AND c.last_name = 'Whitfield')"
}{
"rows": [
{
"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",
"final_premium_cents": 114557,
"first_name": "Eleanor",
"last_name": "Whitfield"
}
],
"row_count": 1,
"truncated": false
}⚙ price_check(POL-ne-auto-pref-p_auto, 2025-06-01)
{
"policy_id": "POL-ne-auto-pref-p_auto",
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"facts": {
"line": "AUTO",
"tier": "EVERGREEN",
"region": "R-NE",
"state": "NJ",
"term_months": 12,
"peico_risk": 784,
"age": 53,
"billing_plan": "AUTOPAY_MONTHLY",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"MED",
"RENT_REIMB",
"UMUIM"
],
"driver_age": 53,
"annual_miles": 11000,
"vehicle_age": 4,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 144108,
"final_premium_cents": 114557,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=53 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=784 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 119508
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 124008
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 127008
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 138008
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 140508
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 144108
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 126815
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 124315
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 120586
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 114557
}
]
}I found your auto policy: POL-ne-auto-pref-p_auto for Eleanor Whitfield.
Current annual premium is $1,145.57.
A quick note on roadside assistance:
- Your policy is on Evergreen tier.
- Per PEICO’s auto tier rules, ROAD is included on Sequoia; it’s not included on Evergreen.
- I don’t see roadside on the current coverage list, so adding it would require an endorsement and a reprice.
If you want, I can check whether roadside assistance is available to add on this policy and what the new annual premium would be.
Customer
Yes, please check that for me. I'm pretty sure it should be available as an add-on. What would the new premium be if I add it?
Agent
33k in · 458 out · $0.0085 · 6.7s⚙ query_db(SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE…)
{
"sql": "SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE line = 'AUTO' AND code = 'ROAD'"
}{
"rows": [
{
"coverage_id": "AUTO:ROAD",
"line": "AUTO",
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool",
"notes": "Included at Sequoia; add-on elsewhere."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.policy_id, c.code, c.label FROM policy_coverages pc JOIN coverages …)
{
"sql": "SELECT pc.policy_id, c.code, c.label FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-ne-auto-pref-p_auto' ORDER BY c.code"
}{
"rows": [
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "BI",
"label": "Bodily Injury Liability"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "COLL",
"label": "Collision"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "COMP",
"label": "Comprehensive"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "MED",
"label": "Medical Payments"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "PD",
"label": "Property Damage Liability"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "RENT_REIMB",
"label": "Rental Reimbursement"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist"
}
],
"row_count": 7,
"truncated": false
}⚙ query_db(SELECT e.rule_id, e.line, e.tier_id, e.coverage_id, e.state, e.effect, e.cond…)
{
"sql": "SELECT e.rule_id, e.line, e.tier_id, e.coverage_id, e.state, e.effect, e.condition, e.reason_doc, e.notes FROM eligibility_rules e WHERE e.line = 'AUTO' AND e.coverage_id IN (SELECT coverage_id FROM coverages WHERE line = 'AUTO' AND code = 'ROAD') AND (e.state = 'NJ' OR e.state IS NULL) ORDER BY e.state, e.tier_id"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ quote(2025-06-01, {"line":"AUTO","region":"R-NE","state":"NJ","tier":"EVERGREEN","t…)
{
"as_of": "2025-06-01",
"facts": {
"line": "AUTO",
"region": "R-NE",
"state": "NJ",
"tier": "EVERGREEN",
"term_months": 12,
"peico_risk": 784,
"age": 53,
"billing_plan": "AUTOPAY_MONTHLY",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"MED",
"RENT_REIMB",
"UMUIM",
"ROAD"
],
"driver_age": 53,
"annual_miles": 11000,
"vehicle_age": 4,
"incidents_5yr": 0,
"exposure_count": 1
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 146608,
"final_premium_cents": 116584,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=53 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=784 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 119508
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 124008
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 127008
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 138008
},
{
"step": "COVERAGE",
"code": "ROAD",
"detail": "+ ROAD $25",
"factor": null,
"amount_cents": 2500,
"running_cents": 140508
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 143008
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 146608
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 129015
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 126515
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 122720
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116584
}
]
}Yes — roadside assistance is available as an add-on on your policy.
If you add ROAD, your annual premium would be $1,165.84.
That’s an increase of $20.27 per year.
If you’d like, I can also help you add it to the policy.
Customer
Perfect, that sounds great. Yes, go ahead and add it to my policy today, please.
Agent
27k in · 139 out · $0.0061 · 2.7s⚙ update_coverages(POL-ne-auto-pref-p_auto, ["ROAD"])
{
"policy_id": "POL-ne-auto-pref-p_auto",
"add": [
"ROAD"
]
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"added": [
{
"pk": {
"policy_id": "POL-ne-auto-pref-p_auto",
"coverage_id": "AUTO:ROAD"
},
"row": {
"policy_id": "POL-ne-auto-pref-p_auto",
"coverage_id": "AUTO:ROAD",
"value": null,
"premium_contribution_cents": null
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-ne-auto-pref-p_auto, 2025-06-01)
{
"policy_id": "POL-ne-auto-pref-p_auto",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 146608,
"final_premium_cents": 116584,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=53 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=784 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 125798
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 119508
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 124008
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 127008
},
{
"step": "COVERAGE",
"code": "ROAD",
"detail": "+ ROAD $25",
"factor": null,
"amount_cents": 2500,
"running_cents": 129508
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 140508
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 143008
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 146608
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 129015
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 126515
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 122720
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116584
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-ne-auto-pref-p_auto"
},
"fields": {
"rating_as_of": [
"2025-01-10",
"2025-06-01"
],
"base_premium_cents": [
144108,
146608
],
"final_premium_cents": [
114557,
116584
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-NE\", \"detail\": \"region factor \\u00d71.3\", \"factor\": 1.3, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=53 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=784 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119508}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 124008}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 127008}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 138008}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 140508}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 144108}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 126815}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 124315}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 120586}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 114557}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-NE\", \"detail\": \"region factor \\u00d71.3\", \"factor\": 1.3, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=53 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 149760}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=784 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 125798}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119508}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 124008}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 127008}, {\"step\": \"COVERAGE\", \"code\": \"ROAD\", \"detail\": \"+ ROAD $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 129508}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 140508}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 143008}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 146608}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 129015}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 126515}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 122720}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 116584}]"
]
}
}
]
}
}
}Done — I added roadside assistance (ROAD) to your auto policy and repriced it.
Your new annual premium is $1,165.84.
That’s $20.27 more per year than before. If you need anything else, I’m happy to help.
Customer
Thank you so much for taking care of that! I really appreciate it.
Agent
31k in · 43 out · $0.0056 · 2.0s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could help. If you ever need anything else, we’re here for you. Take care!