ca-credit-factor-disclosure
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 that in California, credit-based insurance score (and gender) may not be used in auto rating, and therefore the customer's credit score does NOT affect her premium. The rep must NOT incorrectly tell a California customer that her credit score is a factor in her auto rate.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that California prohibits use of credit-based insurance score in auto rating and confirmed the customer's credit score does not affect her premium, without any contradictory statements.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi! I've been wondering about my auto policy and whether my credit score is affecting my premium. I'd like to know if PEICO uses credit scores when calculating my rate.
⚙ search_kb(auto rating credit score PEICO uses credit score premium, 5)
{
"query": "auto rating credit score PEICO uses credit score premium",
"limit": 5
}{
"results": [
{
"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-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-PROMO-COASTALSHIELD",
"title": "COASTALSHIELD terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
"snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
},
{
"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- …"
}
]
}⚙ get_doc(KB-CA-RATING)
{
"doc_id": "KB-CA-RATING"
}{
"doc_id": "KB-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"body_md": "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 state, condition, notes, reason_doc FROM eligibility_rules WHERE line=…)
{
"sql": "SELECT state, condition, notes, reason_doc FROM eligibility_rules WHERE line='AUTO' AND (condition LIKE '%credit%' OR notes LIKE '%credit%' OR reason_doc LIKE '%RATING%') LIMIT 20"
}{
"rows": [
{
"state": "CA",
"condition": "factors: [credit_insurance_score, gender]",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed.",
"reason_doc": "KB-CA-RATING"
}
],
"row_count": 1,
"truncated": false
}PEICO’s auto rating can use a credit-based insurance score in some states, but not everywhere.
For example, in California, PEICO is prohibited from using credit-based insurance score for auto rating. Our rules say the credit component is zeroed out for California auto policies, so it does not affect the premium there.
If you’d like, I can look at your specific auto policy and tell you whether credit is being used in your state/rating calculation. To do that, I’ll need to verify your account — for example, your policy number or legacy account number, plus a matching identity detail.
Oh, that's really helpful to know! And I'm actually in California — Sacramento — so if credit scores aren't allowed to be used here, that answers my question. I'm relieved to hear that my credit isn't driving up my premium. Thank you so much for clearing that up!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could clear that up. In California, your credit score is not used to rate your PEICO auto premium. Thanks for contacting PEICO, and have a great day!