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 · 25s · $0.03 · 39k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified that Custom Parts & Equipment coverage is unavailable for motorcycle policies in Texas, clearly declined to add it, explained the state restriction, 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 Marcus Reyes, and I've got a motorcycle policy with y'all. I added some custom parts to my bike — chrome, a custom seat, saddlebags — and I want to make sure those are covered. Can we add that to my policy?

Agent

Absolutely — I can help check whether your motorcycle policy has custom parts/accessory coverage available and, if so, add it.

First I’ll need to locate your account. Please share any two of these:

policy number
date of birth
phone number
email on file

4,754 in · 61 out · $0.0033 · 2.1s

Customer

Sure. My email is marcus.reyes@example.com and my date of birth is September 3, 1979.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, dob, email FROM customers WHERE email …)

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email FROM customers WHERE email = 'marcus.reyes@example.com' AND dob = '1979-09-03'"
}

{
  "rows": [
    {
      "cust_id": "CUST-tx-moto",
      "first_name": "Marcus",
      "last_name": "Reyes",
      "dob": "1979-09-03",
      "email": "marcus.reyes@example.com"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT policy_id, line, status, effective_date, expiration_date, tier_id, rat…)

{
  "sql": "SELECT policy_id, line, status, effective_date, expiration_date, tier_id, rating_as_of, final_premium_cents FROM policies WHERE cust_id = 'CUST-tx-moto' ORDER BY created_at DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-tx-moto-p_moto",
      "line": "MOTO",
      "status": "ACTIVE",
      "effective_date": "2025-04-01",
      "expiration_date": null,
      "tier_id": "MOTO:PINE",
      "rating_as_of": null,
      "final_premium_cents": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(motorcycle custom parts accessory coverage policy coverage code glossary, 5)

{
  "query": "motorcycle custom parts accessory coverage policy coverage code glossary",
  "limit": 5
}

{
  "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-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-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"
    }
  ]
}

⚙ query_db(SELECT a.state, a.region FROM customers c JOIN addresses a ON c.address_id = …)

{
  "sql": "SELECT a.state, a.region FROM customers c JOIN addresses a ON c.address_id = a.address_id WHERE c.cust_id = 'CUST-tx-moto'"
}

{
  "rows": [
    {
      "state": "TX",
      "region": "R-SW"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.policy_id, c.code, c.label, pc.value, pc.premium_contribution_cents…)

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

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ 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 = 'MOTO' AND (code LIKE '%CUST%' OR code LIKE '%PART%' OR code LIKE '%EQUIP%' OR label LIKE '%Custom%' OR label LIKE '%Accessory%' OR label LIKE '%Equipment%')"
}

{
  "rows": [
    {
      "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": 1,
  "truncated": false
}

Thanks, Marcus — I found your active motorcycle policy.

I checked your policy and the motorcycle coverage options. PEICO does have a Custom Parts & Equipment coverage option for motorcycles, which is the coverage that would apply to things like:

chrome
custom seat
saddlebags
other aftermarket/custom accessories

However, your policy is in Texas, and in Texas that coverage is not available on PEICO motorcycle policies. I verified that in our underwriting rules, and the coverage catalog itself is marked “Not available in TX.”

So unfortunately, I can’t add that coverage to your current motorcycle policy.

If you want, I can still help with either of these:

Review what is covered now under your current motorcycle policy, or
Explain the limits of standard equipment coverage vs. custom accessories so you know where you stand.

Which would you like?

22k in · 566 out · $0.02 · 8.0s

Customer

I appreciate you looking into that and being straight with me. That's disappointing, but I understand if it's not available in Texas. I trust what you're telling me. Thanks for the help anyway.

Agent

⚙ end_conversation()

{}

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

You’re very welcome, Marcus. I’m sorry I couldn’t add it, but I’m glad I could confirm it clearly for you.

Thanks for choosing PEICO, and ride safe.

13k in · 55 out · $0.0055 · 2.9s