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 · 9 turns · 28s · $0.05 · 57k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly explained all three legacy codes in plain language and explicitly checked the customer's current active policy (POL-heritage-auto-p_auto), confirming each of the three coverages is still present with specific values, without making any changes or sales.

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 — I'm a customer and I have a question about my old policy. I found an old declarations page from years back and there are some coverage codes on it I don't understand. Can you help me figure out what they mean?

Agent

Absolutely — I can help decode the old coverage codes.

Please send me the codes you see on that declarations page, and if you have it, also tell me:

what type of policy it was, like homeowners or auto
roughly what year the declarations page is from
any legacy plan code or tier name shown on it

If the page uses older EVERGREEN/legacy shorthand, I can cross-reference the glossary and legacy mappings for you.

4,748 in · 94 out · $0.0038 · 2.1s

Customer

Great, thanks. It's an auto policy — looks like it's from the EVERGREEN plan, pretty old. The account number on there is EVG0098H1. The three codes I'm puzzled by are: UMUIM, RENT_REIMB, and OEM. There are other codes too like BI, PD, COLL, COMP, MED, ROAD — those seem pretty straightforward — but those three are the ones I need explained.

Agent

⚙ query_db(SELECT lp.legacy_policy_id, lp.plan_code, lp.rate_sym, lp.bill_sym, lp.effect…)

{
  "sql": "SELECT lp.legacy_policy_id, lp.plan_code, lp.rate_sym, lp.bill_sym, lp.effective_date, lp.modern_policy_id, c.cust_id, c.first_name, c.last_name FROM legacy_policies lp JOIN customers c ON c.cust_id = lp.cust_id WHERE lp.legacy_policy_id = 'EVG0098H1' OR c.legacy_acct = 'EVG0098H1'"
}

{
  "rows": [
    {
      "legacy_policy_id": "LGP-heritage-auto-p_auto",
      "plan_code": "AP1",
      "rate_sym": "07",
      "bill_sym": "F0",
      "effective_date": "2025-02-01",
      "modern_policy_id": "POL-heritage-auto-p_auto",
      "cust_id": "CUST-heritage-auto",
      "first_name": "Walter",
      "last_name": "Pennington"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(coverage code glossary UMUIM RENT_REIMB OEM auto coverage codes EVERGREEN leg…)

{
  "query": "coverage code glossary UMUIM RENT_REIMB OEM auto coverage codes EVERGREEN legacy",
  "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-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-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"
    }
  ]
}

⚙ query_db(SELECT coverage_id, code, label, notes FROM coverages WHERE line = 'AUTO' AND…)

{
  "sql": "SELECT coverage_id, code, label, notes FROM coverages WHERE line = 'AUTO' AND code IN ('UMUIM','RENT_REIMB','OEM','BI','PD','COLL','COMP','MED','ROAD')"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "notes": "Per-person / per-accident. Limit rises by tier."
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "notes": "Limit rises by tier."
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "notes": "Deductible falls by tier."
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "notes": "Deductible falls by tier."
    },
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "notes": "Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "notes": "Per-day/max. Evergreen+ only."
    },
    {
      "coverage_id": "AUTO:ROAD",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "notes": "Included at Sequoia; add-on elsewhere."
    },
    {
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "notes": "Sequoia only."
    }
  ],
  "row_count": 9,
  "truncated": false
}

⚙ 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"
}

Yes — I found your legacy auto policy record tied to that account number, and I pulled PEICO’s auto coverage glossary.

The three codes mean:

UMUIM — Uninsured / Underinsured Motorist
Helps protect you if you're hit by a driver who has no insurance or not enough insurance.
RENT_REIMB — Rental Reimbursement
Helps pay for a rental car while your covered vehicle is in the shop after a covered loss.
OEM — Original Manufacturer Parts Guarantee
This means repairs use original manufacturer parts rather than aftermarket parts, subject to the policy terms.

And yes, your other guesses were right:

BI — Bodily Injury Liability
PD — Property Damage Liability
COLL — Collision
COMP — Comprehensive
MED — Medical Payments
ROAD — Roadside Assistance

One useful bit of context: in PEICO’s old auto setup, RENT_REIMB was typically a higher-tier coverage, and OEM was a premium-tier feature.

If you want, I can also help you interpret the full old declarations page — for example, limits, deductibles, or old plan codes like AP1 / rate symbols / billing symbols.

23k in · 485 out · $0.02 · 8.7s

Customer

Thanks — that's really helpful. So I understand what those three coverages are now. But here's what I really need to know: do I still have UMUIM, RENT_REIMB, and OEM on my policy *today*? That's the part that matters to me. Can you check my current active policy and tell me whether each of those three is still included?

Agent

⚙ query_db(WITH current_policies AS ( SELECT p.policy_id, p.line, p.status, p.effective_…)

{
  "sql": "WITH current_policies AS ( SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Walter' AND c.last_name = 'Pennington' AND p.line = 'AUTO' AND p.status = 'ACTIVE' ) SELECT cp.policy_id, cp.status, cp.effective_date, cp.expiration_date, pc.coverage_id, cv.code, cv.label, pc.value, pc.premium_contribution_cents FROM current_policies cp LEFT JOIN policy_coverages pc ON pc.policy_id = cp.policy_id LEFT JOIN coverages cv ON cv.coverage_id = pc.coverage_id WHERE cv.code IN ('UMUIM','RENT_REIMB','OEM') ORDER BY cp.policy_id, cv.code"
}

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01",
      "coverage_id": "AUTO:OEM",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "value": "true",
      "premium_contribution_cents": 4000
    },
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01",
      "coverage_id": "AUTO:RENT_REIMB",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000",
      "premium_contribution_cents": 3000
    },
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01",
      "coverage_id": "AUTO:UMUIM",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "value": "10000000/30000000",
      "premium_contribution_cents": 11000
    }
  ],
  "row_count": 3,
  "truncated": false
}

Yes — I checked your current active auto policy, and all three are still on it today.

Current active policy:

Policy ID: POL-heritage-auto-p_auto
Status: Active
Term: 2025-02-01 to 2026-02-01

Those coverages are included:

UMUIM — Yes
Uninsured/Underinsured Motorist
Current value: 10000000/30000000, which reads as $100,000 / $300,000
RENT_REIMB — Yes
Rental Reimbursement
Current value: 90000, which appears to be $900.00 total reimbursement
OEM — Yes
OEM Parts Guarantee
Current value: true, meaning it is included

So the short answer is: yes, you still have all three.

If you want, I can also pull the rest of your current coverage list and translate all the limits/deductibles into plain English.

14k in · 392 out · $0.01 · 5.0s

Customer

Perfect — that's exactly what I needed to know. All three are still on my policy, and now I understand what they cover. Thank you for tracking that down and explaining it so clearly.

Agent

⚙ end_conversation()

{}

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

You’re very welcome — glad I could help clear that up. Thanks for being with PEICO, Walter. Have a great day!

15k in · 44 out · $0.01 · 2.8s