Predictika · Personal auto insurance quotes

An AI sales agent's auto policy quote, checked before it goes out

An AI sales agent prepares a personal auto policy quote: the state, the vehicle and how it is owned, the liability and deductible choices, the required and optional coverages, a rental allowance, the driver and the annual premium it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the coverage rules and returns a verdict and every reason.

Scope: Liberty Mutual personal auto quotes: required coverages by state, lender rules, optional coverages (Accident Forgiveness, New Car Replacement, Better Car Replacement, Original Parts, Deductible Fund, Gap, Rental) and the stated premium. See everything this validator covers

This validator models personal auto quotes of this kind, not just the scenarios shown below.

  • Required coverages by state — Personal Injury Protection, Medical Payments and uninsured motorist cover where a state calls for them, and the combinations a state does not allow.
  • Optional coverages — who can take Accident Forgiveness, New Car Replacement, Better Car Replacement, Original Parts Replacement, the Deductible Fund and Gap, and which of them need collision and comprehensive.
  • Vehicle, driver and premium — owned, financed or leased vehicles, rental allowances, vehicle age, mileage and driver age reviews, and the stated premium compared with the modeled one.

Any personal auto quote that touches these rules is in scope — not only the scenarios pictured here. Coverage names and the eligibility rules marked public in the README (such as the five clean years for Accident Forgiveness and the first year and 15,000 miles for New Car Replacement) follow Liberty Mutual’s public coverage pages; every premium and the remaining rules are modeled from comparable auto products and are not published by Liberty Mutual. Not covered: other states, other vehicle types, discounts, taxes and fees.

The AI sales agentBuilds the auto policy quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Coverages that a state requires or forbidsOnly with care
Each state requires or excludes different coverages, so every state needs its own rule against the coverages chosen.		The state and every coverage are checked together on every call.
Eligibility that depends on the vehicle and the customerOnly with care
Ownership months, mileage, vehicle age, clean years and ownership type each gate a different coverage, so each coverage needs rules on several fields at once.		The coverage and all the facts about the vehicle and driver are in one request and are checked together.
Coverages that need or exclude each otherOnly with workarounds
Replacement coverages exclude each other and need collision and comprehensive, so a rule must look across several choices at once.		All coverage choices are in one request and are compared on every call.
A premium built from many partsOnly with workarounds
The premium depends on state, liability, deductibles, vehicle age band, options and rental, so it must be computed before it can be compared with the premium stated.		The premium is computed on every call and compared with the premium stated in the quote.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is saved or completed, so a person often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1Personal Injury Protection is required in Florida, Michigan and New York and the order does not include it.
2Medical Payments Coverage is not offered in the states that require Personal Injury Protection (Florida, Michigan, New York).
3Uninsured/Underinsured Motorist Coverage is required in New York, New Hampshire and Maine and the order does not include it.
4Medical Payments Coverage is required in Maine and New Hampshire and the order does not include it.
5A financed or leased vehicle needs both Collision and Comprehensive coverage.
6Accident Forgiveness is not offered in California.
7Accident Forgiveness needs a clean driving record for the past five years; the order has 4 clean years.
8Accident Forgiveness is an add-on for new customers; an existing customer must be checked by a representative.
9New Car Replacement applies in the first year of ownership and below 15,000 miles; the order has 6 months of ownership and 15,000 miles.
10New Car Replacement applies in the first year of ownership and below 15,000 miles; the order has 13 months of ownership and 9,000 miles.
11Better Car Replacement is for owned cars; it is not available for leased cars or motorcycles.
12A motorcycle is not rated on this auto quote and needs a representative.
13New Car Replacement and Better Car Replacement cannot both be on the same vehicle; choose one.
14New Car Replacement and Better Car Replacement need both Collision and Comprehensive coverage.
15Original Parts Replacement is for private passenger autos 10 years old or newer; the vehicle is 11 years old.
16Original Parts Replacement needs both Comprehensive and Collision coverage.
17The Deductible Fund lowers the collision deductible, and the order has no Collision coverage.
18Gap Insurance covers an amount owed; an owned vehicle without a loan has none.
19A rental allowance of 45 dollars a day is not offered; the choices are 30, 40 and 50.
20Rental Car Reimbursement follows a covered Collision or Comprehensive claim, and the order has neither.
21Collision coverage on a 16 year old vehicle needs a vehicle inspection.
22A vehicle with 180,000 miles needs a condition review before physical damage coverage is bound.
23A driver aged 19 needs an underwriter review.
24The order states an annual premium of 500 dollars; the quote computes 1,331 dollars.
25Accident Forgiveness needs a clean driving record for the past five years; the order has 2 clean years.
26The order states an annual premium of 100 dollars; the quote computes 1,119 dollars.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Florida lease and coverages: A leased Florida car with no collision cover, no PIP, Medical Payments, too few clean years for Accident Forgiveness and a rental amount that is not offered

    
The agent's request. Please quote a leased car in Florida that is 3 years old with 30,000 miles, owned for 24 months. The driver is 40 with 2 clean years. Coverages: Comprehensive, Accident Forgiveness and Medical Payments. The rental allowance is 45 dollars a day. The quote states an annual premium of 1,179 dollars. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • PIP missing in a PIP state. Personal Injury Protection is required in Florida, Michigan and New York and the order does not include it.
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  • Medical Payments in a PIP state. Medical Payments Coverage is not offered in the states that require Personal Injury Protection (Florida, Michigan, New York).
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  • Lender requires collision and comprehensive. A financed or leased vehicle needs both Collision and Comprehensive coverage.
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  • Accident Forgiveness without a clean record. Accident Forgiveness needs a clean driving record for the past five years; the order has 2 clean years.
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  • Rental amount not offered. A rental allowance of 45 dollars a day is not offered; the choices are 30, 40 and 50.
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2. Florida lease and coverages: The agent resubmits after fixing the errors

    
The agent's request. Please quote a leased car in Florida that is 3 years old with 30,000 miles, owned for 24 months. The driver is 40 with 6 clean years. Coverages: Collision, Comprehensive, Accident Forgiveness and Personal Injury Protection. The rental allowance is 40 dollars a day. The quote states an annual premium of 1,824 dollars. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Modeled annual premium 1,824 dollars (liability 884, collision 480, comprehensive 180, options 235, rental 45).
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3. New York coverages and old car: An 11 year old New York car with no PIP or uninsured motorist cover, Original Parts Replacement, Gap on an owned car and very high mileage

    
The agent's request. Please quote a owned car in New York that is 11 years old with 160,000 miles, owned for 24 months. The driver is 40 with 6 clean years. Coverages: Collision, Comprehensive, Original Parts Replacement and Gap Insurance. The rental allowance is none. The quote states an annual premium of 1,335 dollars. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • PIP missing in a PIP state. Personal Injury Protection is required in Florida, Michigan and New York and the order does not include it.
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  • Uninsured motorist cover missing. Uninsured/Underinsured Motorist Coverage is required in New York, New Hampshire and Maine and the order does not include it.
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  • Original Parts on an older car or motorcycle. Original Parts Replacement is for private passenger autos 10 years old or newer; the vehicle is 11 years old.
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  • Gap on a vehicle with no loan or lease. Gap Insurance covers an amount owed; an owned vehicle without a loan has none.
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  • Very high mileage. A vehicle with 160,000 miles needs a condition review before physical damage coverage is bound.
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4. New York coverages and old car: The agent resubmits after fixing the errors

    
The agent's request. Please quote a owned car in New York that is 11 years old with 90,000 miles, owned for 24 months. The driver is 40 with 6 clean years. Coverages: Collision, Comprehensive, Personal Injury Protection and Uninsured/Underinsured Motorist cover. The rental allowance is none. The quote states an annual premium of 1,495 dollars. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Modeled annual premium 1,495 dollars (liability 824, collision 288, comprehensive 108, options 275, rental 0).
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5. Replacement coverages and premium: A car with both replacement coverages, a young driver, a lapsed first year of ownership and a stated premium that is too low

    
The agent's request. Please quote a owned car in Texas that is 1 years old with 9,000 miles, owned for 14 months. The driver is 19 with 6 clean years. Coverages: Collision, Comprehensive, New Car Replacement and Better Car Replacement. The rental allowance is none. The quote states an annual premium of 500 dollars. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • New Car Replacement outside its first year or mileage. New Car Replacement applies in the first year of ownership and below 15,000 miles; the order has 14 months of ownership and 9,000 miles.
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  • Both replacement coverages. New Car Replacement and Better Car Replacement cannot both be on the same vehicle; choose one.
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  • Stated premium does not match. The order states an annual premium of 500 dollars; the quote computes 1,536 dollars.
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  • Driver under 21. A driver aged 19 needs an underwriter review.
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6. Replacement coverages and premium: The agent resubmits after fixing the errors

    
The agent's request. Please quote a owned car in Texas that is 0 years old with 8,000 miles, owned for 6 months. The driver is 25 with 6 clean years. Coverages: Collision, Comprehensive and New Car Replacement. The rental allowance is none. The quote states an annual premium of 1,451 dollars. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Modeled annual premium 1,451 dollars (liability 671, collision 480, comprehensive 180, options 120, rental 0).
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a personal auto policy quote: the state, the vehicle and how it is owned, the liability and deductible choices, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the coverage rules and returns a verdict and every reason.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote a leased car in Florida that is 3 years old with 30,000 miles, owned for 24 months. The driver is 40 with 2 clean years. The rest of the request is on screen. The quote states an annual premium of 1,179 dollars.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with five findings, all in one answer. Personal Injury Protection is required in Florida, Michigan and New York and the order does not include it. Medical Payments Coverage is not offered in the states that require Personal Injury Protection, such as Florida and Michigan. A financed or leased vehicle needs both Collision and Comprehensive coverage. The other two are on screen.
    6. 
      
  6. The validator returned five blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for coverages that a state requires or forbids, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the clean years to 6, the collision to yes, the rental per day to $40, the Personal Injury Protection to yes, the Medical Payments to no and the stated annual premium to 1,824.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All five earlier findings are cleared.
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  13. Five problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.