Predictika · Commercial truck insurance
An AI sales agent prepares a commercial truck insurance quote: the truck type, the liability limit, physical damage, cargo, optional coverages, the telematics programs and the annual premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the coverage and eligibility rules and returns a verdict, every reason, a line-item quote and the figures it computed.
This validator models quotes for these seven truck types, not just the scenarios shown below. The product and coverage names are Progressive Commercial's; the rating factors, all prices and several eligibility rules are modeled from comparable truck insurance programs and are not Progressive-published.
Any quote for these seven truck types that touches these coverages is in scope — not only the scenarios pictured here. Not covered: other Progressive Commercial products (business owner's policy, general liability, workers' compensation, professional liability, cyber), trailers as separate units, state-specific filings and requirements, mixed-type fleets in one line, taxes, fees, payment plans and the underwriting decision itself. Prices, rating factors, the deductible schedule, program discounts and several eligibility rules are modeled assumptions.
7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
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 caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| Limits that depend on the cargo and on filings | Only with care A liability limit is a picklist and the federal minimum depends on what is hauled and whether the carrier files, so a rule per cargo class and a filing flag has to be written and kept in step. | The cargo, the filings and the limit are in one request and the minimum is checked on every call. |
| Coverages that exist only for some truck types | Only with care Each of garagekeepers, on-hook towing, trailer interchange and refrigeration breakdown needs its own product rule tied to the truck type; every new truck type is more rules to maintain. | The truck type and every coverage are checked together. |
| Coverages that exclude one another | Only with workarounds Non-trucking liability is out with filings, with trailer interchange and without a permanent lease: a three-way exclusion that is easy to leave half written. | The exclusions are checked as one rule against the whole quote. |
| Programs that depend on equipment | Only with workarounds Smart Haul needs a logging device and Snapshot ProView is for trucks without one; the program discount lands on a different line from the device. | Device, programs and discount are in one request. |
| Stated premium that must equal the discounted premium | Only with care A stated figure is a free-entry field; a rule can compare it with a computed total, but fleet size and program discounts have to be kept in step. | The stated premium travels with the quote and is compared with the computed premium on every call. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next. | All findings come back together, whatever order the choices arrived in. |
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.
| 1 | A liability limit of $300,000 is below the federal minimum of $750,000 for this for-hire operation and cargo. |
| 2 | Hazardous materials cargo is referred to underwriting before the quote can be issued. |
| 3 | Collision and comprehensive, or fire and theft with CAC, needs a stated vehicle value and the quote has none. |
| 4 | Physical damage on a tractor needs a deductible of at least 1,000 dollars. |
| 5 | Refrigeration breakdown protects the cargo of refrigerated trucks; this truck is not one. |
| 6 | Refrigeration breakdown and Cargo Plus extend motor truck cargo insurance and the quote has no cargo limit. |
| 7 | Non-trucking liability is only for a truck under permanent lease to a motor carrier, with no filings and no trailer interchange. |
| 8 | Rental reimbursement with downtime follows a physical damage claim and the quote has no physical damage coverage. |
| 9 | Rental reimbursement with downtime is not offered for this type of truck. |
| 10 | Trailer interchange covers trailers pulled by tractors; this truck is not a tractor. |
| 11 | Garagekeepers legal liability is a tow truck coverage; this truck is not a tow truck. |
| 12 | On-hook towing is a tow truck coverage; this truck is not a tow truck. |
| 13 | Heavy truck roadside assistance is not offered for pickup trucks. |
| 14 | The Smart Haul program works from an electronic logging device and the quote shows none. |
| 15 | Snapshot ProView is for trucks without an electronic logging device; this quote has one. |
| 16 | The quote states an annual premium of $41,140.00; the modeled rates give $41,190.00. |
| 17 | A fleet of 10 trucks is priced by fleet underwriting and needs approval. |
| 18 | The lead driver has 1 years of commercial experience; under 2 years needs underwriter review. |
| 19 | A cargo limit of $300,000 is above 250 thousand and needs underwriter approval. |
| 20 | An operating radius of 600 miles on a non-tractor truck needs underwriter review. |
| 21 | The quote has 0 trucks; at least 1 is needed. |
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.
The agent's request. Please quote 6 tow trucks, for-hire, with federal filings. Liability limit $300,000; collision and comprehensive on a stated value of $118,000 per truck with a $2,500 deductible; plus garagekeepers legal liability of $75,000, on-hook towing, heavy truck roadside assistance, rental reimbursement with downtime at $125 a day; with the Smart Haul program. Operating radius 90 miles; lead driver has 8 years of commercial driving. The quote states an annual premium of $64,076.40. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote 6 tow trucks, for-hire, with federal filings. Liability limit $750,000; collision and comprehensive on a stated value of $118,000 per truck with a $2,500 deductible; plus garagekeepers legal liability of $75,000, on-hook towing, heavy truck roadside assistance; with the Smart Haul program and an electronic logging device on each truck. Operating radius 90 miles; lead driver has 8 years of commercial driving. The quote states an annual premium of $65,561.40. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote 4 tractors, for-hire, hauling oil, with federal filings. Liability limit $750,000; collision and comprehensive on a stated value of $165,000 per truck with a $2,500 deductible; motor truck cargo $150,000; plus trailer interchange, non-trucking liability; with the Smart Haul program and an electronic logging device on each truck. Operating radius 450 miles; lead driver has 1 year of commercial driving. The quote states an annual premium of $62,540.00. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote 4 tractors, for-hire, hauling oil, with federal filings. Liability limit $1,000,000; collision and comprehensive on a stated value of $165,000 per truck with a $2,500 deductible; motor truck cargo $150,000; plus trailer interchange; with the Smart Haul program and an electronic logging device on each truck. Operating radius 450 miles; lead driver has 1 year of commercial driving. The quote states an annual premium of $57,438.00. It is ready to send.
Verdict: Needs approval.
The agent's request. Please quote 4 tractors, for-hire, hauling oil, with federal filings. Liability limit $1,000,000; collision and comprehensive on a stated value of $165,000 per truck with a $2,500 deductible; motor truck cargo $150,000; plus trailer interchange; with the Smart Haul program and an electronic logging device on each truck. Operating radius 450 miles; lead driver has 6 years of commercial driving. The quote states an annual premium of $57,438.00. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote 3 flatbed trucks, for-hire, hauling general freight, with federal filings. Liability limit $750,000; motor truck cargo $100,000 with refrigeration breakdown; plus rental reimbursement with downtime at $100 a day; with the Smart Haul program and Snapshot ProView and an electronic logging device on each truck. Operating radius 250 miles; lead driver has 5 years of commercial driving. The quote states an annual premium of $19,404.00. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote 3 refrigerated trucks, for-hire, hauling general freight, with federal filings. Liability limit $750,000; collision and comprehensive on a stated value of $125,000 per truck with a $1,000 deductible; motor truck cargo $100,000 with refrigeration breakdown; plus rental reimbursement with downtime at $100 a day; with the Smart Haul program and an electronic logging device on each truck. Operating radius 250 miles; lead driver has 5 years of commercial driving. The quote states an annual premium of $38,137.50. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.