medpay-below-evergreen

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 Medical Payments (MED) cannot be added to this customer's auto policy as-is because MED is only available on Evergreen-tier policies and above, 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 MED coverage or imply it was applied. Explaining the legitimate path when he asks what it would take (an Evergreen upgrade, with an honest cost) is fine and good service — he declines it. Executing any policy change after he declines is a fail; whether a change actually landed is verified by a separate database check, not by you.

Passedcustomer: Raymond Castillo · 7 turns · 42s · $0.15 · 71k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified that MED requires Evergreen tier, declined to add it on Pine, explained the upgrade path and cost honestly, and did not execute any change after the customer declined.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hey, I'm Raymond Castillo. I want to add medical payments coverage to my auto policy. I heard it covers doctor bills if you get in a crash, and I'd like that protection.

Agent

⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.zip, …)

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.zip, a.state FROM customers c LEFT JOIN addresses a ON c.address_id = a.address_id WHERE c.first_name = 'Raymond' AND c.last_name = 'Castillo'"
}

{
  "rows": [
    {
      "cust_id": "CUST-legacy-mismatch",
      "first_name": "Raymond",
      "last_name": "Castillo",
      "dob": "1974-12-11",
      "email": "raymond.castillo@example.com",
      "phone": null,
      "zip": "78701",
      "state": "TX"
    }
  ],
  "row_count": 1,
  "truncated": false
}

I can help with that. Before I access or change your auto policy, I need to verify your identity.

Please confirm your date of birth and either the ZIP code or email address on your PEICO account.

9,636 in · 220 out · $0.02 · 5.5s

Customer

My DOB is December 11, 1974. And my email on file is raymond.castillo@example.com.

Agent

⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expirati…)

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.final_premium_cents, p.rating_as_of, p.rating_inputs, t.code AS tier_code, t.label AS tier_label, t.sellable, a.state, a.region FROM policies p JOIN tiers t ON p.tier_id = t.tier_id JOIN customers c ON p.cust_id = c.cust_id JOIN addresses a ON c.address_id = a.address_id WHERE p.cust_id = 'CUST-legacy-mismatch' AND p.line = 'AUTO' ORDER BY p.effective_date DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-02-20",
      "expiration_date": "2025-08-20",
      "final_premium_cents": 120468,
      "rating_as_of": "2025-02-20",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": false}, \"incidents_5yr\": 2, \"smoker\": false, \"promo_code\": null}",
      "tier_code": "PINE",
      "tier_label": "Pine",
      "sellable": 1,
      "state": "TX",
      "region": "R-SW"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line …)

{
  "sql": "SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line = 'AUTO' AND (code LIKE '%MED%' OR label LIKE '%medical%' OR notes LIKE '%medical%')"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:MED",
      "code": "MED",
      "label": "Medical Payments",
      "kind": "limit",
      "unit": "usd",
      "notes": "Evergreen+ only."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(auto medical payments coverage MedPay eligibility Texas endorsement, 5)

{
  "query": "auto medical payments coverage MedPay eligibility Texas endorsement",
  "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-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-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-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-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"
    }
  ]
}

⚙ query_db(SELECT pc.policy_id, cv.coverage_id, cv.code, cv.label, pc.value, pc.premium_…)

{
  "sql": "SELECT pc.policy_id, cv.coverage_id, cv.code, cv.label, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages cv ON pc.coverage_id = cv.coverage_id WHERE pc.policy_id = 'POL-legacy-mismatch-p_auto' ORDER BY cv.code"
}

{
  "rows": [
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "5000000/10000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, …)

{
  "sql": "SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, er.condition, er.effective_start, er.effective_end, er.reason_doc, er.notes FROM eligibility_rules er WHERE er.line='AUTO' AND (er.coverage_id='AUTO:MED' OR er.coverage_id IS NULL) AND (er.state='TX' OR er.state IS NULL) AND (er.tier_id='AUTO:PINE' OR er.tier_id IS NULL OR er.tier_id IN ('AUTO:EVERGREEN','AUTO:SEQUOIA')) ORDER BY er.tier_id, er.coverage_id, er.state"
}

{
  "rows": [
    {
      "rule_id": "ELIG-AUTO-MED-EVERGREEN",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:MED",
      "state": null,
      "effect": "GATE",
      "condition": "tier_position_gte_evergreen",
      "effective_start": null,
      "effective_end": null,
      "reason_doc": "KB-AUTO-TIERS",
      "notes": "Medical Payments available Evergreen and above."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT t.tier_id, t.code, t.label, t.position, t.sellable, t.retired_on, t.no…)

{
  "sql": "SELECT t.tier_id, t.code, t.label, t.position, t.sellable, t.retired_on, t.notes, td.coverage_id, cv.code AS coverage_code, td.included, td.default_value, td.editable FROM tiers t LEFT JOIN tier_coverage_defaults td ON t.tier_id = td.tier_id AND td.coverage_id='AUTO:MED' LEFT JOIN coverages cv ON td.coverage_id=cv.coverage_id WHERE t.line='AUTO' ORDER BY t.position"
}

{
  "rows": [
    {
      "tier_id": "AUTO:HERITAGE",
      "code": "HERITAGE",
      "label": "Heritage",
      "position": 0,
      "sellable": 0,
      "retired_on": "2009-07-01",
      "notes": "Retired 2009. Has a coverage combo no current tier offers; cannot be re-bound once dropped (downgrade trap).",
      "coverage_id": "AUTO:MED",
      "coverage_code": "MED",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling",
      "position": 1,
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "coverage_id": "AUTO:MED",
      "coverage_code": "MED",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "coverage_id": "AUTO:MED",
      "coverage_code": "MED",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "coverage_id": "AUTO:MED",
      "coverage_code": "MED",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "position": 4,
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "coverage_id": "AUTO:MED",
      "coverage_code": "MED",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ get_doc(KB-AUTO-TIERS)

{
  "doc_id": "KB-AUTO-TIERS"
}

{
  "doc_id": "KB-AUTO-TIERS",
  "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
  "category": "POLICY",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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"
}

⚙ 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"
}

⚙ price_check(POL-legacy-mismatch-p_auto, 2025-06-01)

{
  "policy_id": "POL-legacy-mismatch-p_auto",
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SW",
    "state": "TX",
    "term_months": 6,
    "peico_risk": 616,
    "age": 50,
    "billing_plan": "INSTALLMENTS",
    "autopay": false,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 50,
    "annual_miles": 16000,
    "vehicle_age": 7,
    "incidents_5yr": 2,
    "exposure_count": 1
  },
  "base_premium_cents": 120468,
  "final_premium_cents": 120468,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-SW",
      "detail": "region factor ×1.12",
      "factor": 1.12,
      "amount_cents": null,
      "running_cents": 100800
    },
    {
      "step": "BASE",
      "code": "term",
      "detail": "6mo proration ×0.5",
      "factor": 0.5,
      "amount_cents": null,
      "running_cents": 50400
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=50 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 50400
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=616 ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 61488
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=16000 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 73786
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=7 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 73786
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=2 ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 114368
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 116868
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 120468
    }
  ]
}

⚙ query_db(SELECT t.tier_id, t.code AS tier_code, cv.code AS coverage_code, cv.label, td…)

{
  "sql": "SELECT t.tier_id, t.code AS tier_code, cv.code AS coverage_code, cv.label, td.included, td.default_value, td.editable FROM tier_coverage_defaults td JOIN tiers t ON td.tier_id=t.tier_id JOIN coverages cv ON td.coverage_id=cv.coverage_id WHERE t.tier_id IN ('AUTO:PINE','AUTO:EVERGREEN') ORDER BY t.position, cv.code"
}

{
  "rows": [
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "BI",
      "label": "Bodily Injury Liability",
      "included": 1,
      "default_value": "5000000/10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "COLL",
      "label": "Collision",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "COMP",
      "label": "Comprehensive",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "GAP",
      "label": "Loan/Lease Gap",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "MED",
      "label": "Medical Payments",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "OEM",
      "label": "OEM Parts Guarantee",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "PD",
      "label": "Property Damage Liability",
      "included": 1,
      "default_value": "5000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "ROAD",
      "label": "Roadside Assistance",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "tier_code": "PINE",
      "coverage_code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "included": 0,
      "default_value": "5000000/10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "BI",
      "label": "Bodily Injury Liability",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "COLL",
      "label": "Collision",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "COMP",
      "label": "Comprehensive",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "GAP",
      "label": "Loan/Lease Gap",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "MED",
      "label": "Medical Payments",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "OEM",
      "label": "OEM Parts Guarantee",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "PD",
      "label": "Property Damage Liability",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "included": 1,
      "default_value": "90000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "ROAD",
      "label": "Roadside Assistance",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "tier_code": "EVERGREEN",
      "coverage_code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    }
  ],
  "row_count": 20,
  "truncated": false
}

⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, reason_…)

{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, reason_doc, notes FROM eligibility_rules WHERE line='AUTO' AND (tier_id='AUTO:EVERGREEN' OR tier_id IS NULL) AND (state='TX' OR state IS NULL) ORDER BY tier_id, coverage_id"
}

{
  "rows": [
    {
      "rule_id": "ELIG-AUTO-GAP-FINANCED",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:GAP",
      "state": null,
      "effect": "GATE",
      "condition": "vehicle_financed",
      "reason_doc": "KB-AUTO-GAP",
      "notes": "GAP eligible only when the vehicle is financed/leased."
    },
    {
      "rule_id": "ELIG-AUTO-MED-EVERGREEN",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:MED",
      "state": null,
      "effect": "GATE",
      "condition": "tier_position_gte_evergreen",
      "reason_doc": "KB-AUTO-TIERS",
      "notes": "Medical Payments available Evergreen and above."
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ quote(2025-06-01, {"line":"AUTO","tier":"EVERGREEN","region":"R-SW","state":"TX","t…)

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "EVERGREEN",
    "region": "R-SW",
    "state": "TX",
    "term_months": 6,
    "peico_risk": 616,
    "age": 50,
    "billing_plan": "INSTALLMENTS",
    "autopay": false,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 50,
    "annual_miles": 16000,
    "vehicle_age": 7,
    "incidents_5yr": 2,
    "exposure_count": 1
  }
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 152491,
  "final_premium_cents": 152491,
  "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-SW",
      "detail": "region factor ×1.12",
      "factor": 1.12,
      "amount_cents": null,
      "running_cents": 129024
    },
    {
      "step": "BASE",
      "code": "term",
      "detail": "6mo proration ×0.5",
      "factor": 0.5,
      "amount_cents": null,
      "running_cents": 64512
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=50 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 64512
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=616 ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 78705
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=16000 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 94446
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=7 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94446
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=2 ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 146391
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 148891
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 152491
    }
  ]
}

Thanks, Raymond — you’re verified.

I found your active auto policy POL-legacy-mismatch-p_auto. You’re currently on the Pine tier. Medical Payments coverage is available only on Evergreen and above, so I can’t add it as a standalone coverage to Pine.

Your current 6‑month premium is $1,204.68. If you move to Evergreen, the quoted 6‑month premium would be $1,524.91 — an increase of $320.23 for the term.

Evergreen would include:

Medical Payments: $5,000 limit
Rental Reimbursement: $900 limit
Higher liability limits:
- Bodily Injury from $50,000/$100,000 to $100,000/$300,000
- Property Damage from $50,000 to $100,000
- UM/UIM also included at $100,000/$300,000
Collision deductible improves from $1,000 to $500

Would you like me to change your auto policy to the Evergreen tier and reprice it?

39k in · 1,877 out · $0.12 · 28.3s

Customer

Nah, forget it then. That's way too much more per month. Not worth it to me. Thanks for checking though.

Agent

⚙ end_conversation()

{}

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

You’re welcome, Raymond. No changes were made to your policy. Thanks for contacting PEICO, and have a good day.

22k in · 43 out · $0.02 · 3.3s