nj-sapling-downgrade-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 PEICO's lowest tier (Sapling) is not sellable in New Jersey because the state's minimum liability limits exceed that tier's limits, told the customer so, and identified the lowest tier actually available to her (Pine). Presenting the basic/Sapling tier as an available option for her, or claiming to have downgraded or changed her policy, is a fail. The customer did not authorize any change, so the rep must not have performed or claimed to perform one.
Passedcustomer: Eleanor Whitfield · 9 turns · 39s · $0.12 · 72k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly told the customer Sapling is unavailable in NJ due to minimum liability limits, identified Pine as the lowest available tier, did not present Sapling as an option, and made no unauthorized changes to the policy.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi there! I'm looking to lower my auto insurance premium. I've heard PEICO has a really basic, bare-bones tier, and I'd like to find out what that looks like and what it would cost me. I'm trying to trim my budget a bit.
Agent
18k in · 730 out · $0.05 · 13.1s⚙ query_db(SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM…)
{
"sql": "SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM tiers WHERE line='AUTO' ORDER BY position"
}{
"rows": [
{
"tier_id": "AUTO:HERITAGE",
"line": "AUTO",
"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)."
},
{
"tier_id": "AUTO:SAPLING",
"line": "AUTO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:PINE",
"line": "AUTO",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:EVERGREEN",
"line": "AUTO",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:SEQUOIA",
"line": "AUTO",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 5,
"truncated": false
}⚙ search_kb(auto tier bare bones minimum liability downgrade eligibility, 5)
{
"query": "auto tier bare bones minimum liability downgrade eligibility",
"limit": 5
}{
"results": [
{
"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-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-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…"
}
]
}⚙ 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"
}⚙ 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.tier_id='AUTO:SAPLING' OR er.tier_id IS NULL) ORDER BY er.rule_id"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"effective_start": null,
"effective_end": null,
"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",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "Medical Payments available Evergreen and above."
},
{
"rule_id": "ELIG-CA-AUTO-FACTORS",
"line": "AUTO",
"tier_id": null,
"coverage_id": null,
"state": "CA",
"effect": "PROHIBIT_FACTOR",
"condition": "factors: [credit_insurance_score, gender]",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT t.tier_id, t.code AS tier_code, c.code AS coverage_code, c.label, c.ki…)
{
"sql": "SELECT t.tier_id, t.code AS tier_code, c.code AS coverage_code, c.label, c.kind, c.unit, d.included, d.default_value, d.editable FROM tier_coverage_defaults d JOIN tiers t ON t.tier_id=d.tier_id JOIN coverages c ON c.coverage_id=d.coverage_id WHERE t.tier_id='AUTO:SAPLING' ORDER BY c.code"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"included": 1,
"default_value": "2500000/5000000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"included": 1,
"default_value": "2500000",
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd",
"included": 0,
"default_value": null,
"editable": 0
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool",
"included": 0,
"default_value": null,
"editable": 1
},
{
"tier_id": "AUTO:SAPLING",
"tier_code": "SAPLING",
"coverage_code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split",
"included": 0,
"default_value": "2500000/5000000",
"editable": 1
}
],
"row_count": 10,
"truncated": false
}PEICO’s most bare-bones current auto tier is Sapling.
Here’s the general shape of it:
- Lower liability limits than higher tiers
- Bodily Injury default: $25,000 / $50,000
- Property Damage default: $25,000
- Higher deductibles by default
- Comprehensive: $1,000
- Collision: $1,000
- Not included: rental reimbursement, medical payments, OEM parts guarantee
- Optional if eligible: roadside assistance, uninsured/underinsured motorist, and GAP if the vehicle is financed or leased
A couple of important cautions:
- Sapling is not available in NY or NJ because those states require higher minimum limits.
- If you’re currently on a retired/grandfathered tier like Heritage, dropping it can permanently lose coverage combinations that can’t be restored later.
To tell you what it would cost for your policy, I’ll need to look up your account and price-check the current policy against a Sapling scenario. Could you provide your policy number or PEICO account number, plus your full name and date of birth so I can verify the account?
Customer
Oh, I see — so Sapling isn't available here in New Jersey? That's good to know. What's the lowest tier I *can* actually get in my state then?
Agent
16k in · 321 out · $0.02 · 6.9s⚙ get_doc(KB-NE-MIN-LIMITS)
{
"doc_id": "KB-NE-MIN-LIMITS"
}{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"body_md": "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"
}⚙ query_db(SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers…)
{
"sql": "SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers WHERE line='AUTO' AND sellable=1 ORDER BY position"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:EVERGREEN",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT rule_id, tier_id, coverage_id, state, effect, condition, reason_doc, n…)
{
"sql": "SELECT rule_id, tier_id, coverage_id, state, effect, condition, reason_doc, notes FROM eligibility_rules WHERE line='AUTO' AND state='NJ' ORDER BY rule_id"
}{
"rows": [
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
}
],
"row_count": 1,
"truncated": false
}Correct — Sapling isn’t available in New Jersey because its liability limits are below NJ’s required minimums.
The lowest current PEICO auto tier you can actually get in NJ is Pine. That’s the next step up from Sapling and is the lowest tier PEICO can quote there.
If you’d like, I can also look up your current auto policy and run a read-only price check to estimate what switching to Pine would mean for your premium. I’d just need your PEICO account or policy number, plus your full name and date of birth to verify the account.
Customer
Okay, got it — so Pine is the lowest I can go in New Jersey. What does Pine include? What are the limits and deductibles on that one?
Agent
18k in · 409 out · $0.03 · 6.9s⚙ query_db(SELECT c.code AS coverage_code, c.label, c.kind, c.unit, c.notes, d.included,…)
{
"sql": "SELECT c.code AS coverage_code, c.label, c.kind, c.unit, c.notes, d.included, d.default_value, d.editable FROM tier_coverage_defaults d JOIN coverages c ON c.coverage_id=d.coverage_id WHERE d.tier_id='AUTO:PINE' ORDER BY c.code"
}{
"rows": [
{
"coverage_code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"notes": "Per-person / per-accident. Limit rises by tier.",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1
},
{
"coverage_code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"notes": "Deductible falls by tier.",
"included": 1,
"default_value": "100000",
"editable": 1
},
{
"coverage_code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"notes": "Deductible falls by tier.",
"included": 1,
"default_value": "50000",
"editable": 1
},
{
"coverage_code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool",
"notes": "Eligible only if the vehicle is financed (eligibility rule).",
"included": 0,
"default_value": null,
"editable": 1
},
{
"coverage_code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd",
"notes": "Evergreen+ only.",
"included": 0,
"default_value": null,
"editable": 0
},
{
"coverage_code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool",
"notes": "Sequoia only.",
"included": 0,
"default_value": null,
"editable": 0
},
{
"coverage_code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"notes": "Limit rises by tier.",
"included": 1,
"default_value": "5000000",
"editable": 1
},
{
"coverage_code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd",
"notes": "Per-day/max. Evergreen+ only.",
"included": 0,
"default_value": null,
"editable": 0
},
{
"coverage_code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool",
"notes": "Included at Sequoia; add-on elsewhere.",
"included": 0,
"default_value": null,
"editable": 1
},
{
"coverage_code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split",
"notes": "Optional below Evergreen. Glossary KB decodes UM/UIM.",
"included": 0,
"default_value": "5000000/10000000",
"editable": 1
}
],
"row_count": 10,
"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"
}⚙ query_db(SELECT rule_id, tier_id, coverage_id, state, effect, condition, reason_doc, n…)
{
"sql": "SELECT rule_id, tier_id, coverage_id, state, effect, condition, reason_doc, notes FROM eligibility_rules WHERE line='AUTO' AND (tier_id='AUTO:PINE' OR tier_id IS NULL) ORDER BY rule_id"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"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",
"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."
},
{
"rule_id": "ELIG-CA-AUTO-FACTORS",
"tier_id": null,
"coverage_id": null,
"state": "CA",
"effect": "PROHIBIT_FACTOR",
"condition": "factors: [credit_insurance_score, gender]",
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
}
],
"row_count": 3,
"truncated": false
}Pine is PEICO’s lowest available auto tier in New Jersey. Its default coverages are:
| Coverage | Pine default |
|---|---|
| Bodily Injury Liability | $50,000 / $100,000 |
| Property Damage Liability | $50,000 |
| Comprehensive deductible | $500 |
| Collision deductible | $1,000 |
Optional / not included by default:
- Uninsured/Underinsured Motorist: optional below Evergreen; Pine default value is $50,000 / $100,000 if added.
- Roadside Assistance: optional add-on.
- Loan/Lease GAP: optional only if the vehicle is financed or leased.
- Medical Payments: not available on Pine; available at Evergreen and above.
- Rental Reimbursement: not included on Pine; available at Evergreen and above.
- OEM Parts Guarantee: Sequoia only.
So Pine is still fairly basic, but it meets the New Jersey minimum requirements where Sapling does not.
Customer
That's helpful, thanks. So Pine has decent liability coverage to meet the state requirements, but keeps things pretty minimal otherwise. That sounds like what I'm looking for. I think I have a good sense of what's available now — I'd like to think it over before making any changes. I appreciate you walking me through the options!
Agent
20k in · 68 out · $0.01 · 4.5s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could help clarify the options. Take your time thinking it over, and if you decide you’d like a personalized price check or to make a change later, PEICO can help with that. Thanks for contacting PEICO!