Policy Changes

Policyholder just purchased a new car and needs to add it to their policy immediately.

"AI adds the vehicle: "Congratulations on your new car! I can add it to your policy right now. Let me get a few details. Vehicle information needed: Year, make, and model? You said 2024 Toyota RAV4 XLE - perfect. VIN number? I'll verify this: JTMW1RFV5RD123456 - confirmed, matches a 2024 RAV4 XLE, silver exterior. Primary driver: Will this be your primary vehicle, or will another household member drive it mainly? Usage: Commute (how many miles?), pleasure only, or business? I see you selected commute, 25 miles each way. Coverage recommendation: Based on your current policy and this being a new vehicle, I recommend: Comprehensive and collision with $500 deductible (matching your other vehicle). Gap coverage - highly recommended for new vehicles (covers loan balance if totaled). Your premium impact: Adding this vehicle will increase your 6-month premium by $423 ($70.50/month). Your new total: $1,847/6 months. Effective date: Coverage begins immediately upon your confirmation. I'll generate new ID cards - want them texted, emailed, or both? Ready to confirm and add this vehicle?""

Policyholder's child has moved out and gotten their own insurance.

"AI processes the removal: "I can help you remove your son Michael from your auto policy. Let me verify a few things first. Current situation: Michael Smith, age 23, is listed as a covered driver on your policy. Removal requirements: To remove a driver, I need to confirm: Does Michael have his own insurance? Yes - great, what company? Progressive. Does he still have access to vehicles in your household? No, he's moved to his own apartment. Does he own the vehicle he was primarily driving? The 2019 Civic is still titled to you. Important consideration: Since the Civic is still in your name, it needs to stay on your policy even if Michael is the primary driver elsewhere. Options: Option A: Remove Michael, keep Civic. You remain responsible for the Civic. If Michael drives it and has an accident, your policy is primary. Rate decrease: -$890/6 months. Option B: Remove Michael AND transfer Civic title to him. He insures it on his own policy. Rate decrease: -$1,245/6 months (removes both driver and vehicle). Option C: Exclude Michael. Legally excludes him from coverage. Lowest rate, but NO coverage if he ever drives your cars. Recommendation: Option B is cleanest - transfer the title and let him insure it. Would you like me to process the removal, or do you need to handle the title transfer first?""

Policyholder is moving to a new city and needs to update their home and auto policies.

"AI coordinates the move: "I'd be happy to help with your move! This will affect both your homeowners and auto policies. Let me walk through everything. New address: 789 Maple Drive, Austin, TX 78701. Move date: February 1st. Auto Policy Changes: Good news - your current coverage transfers to Texas. Rate impact: Texas has different requirements and rates. Your new 6-month premium: $1,156 (currently $1,342). Savings of $186 due to lower rates in your new ZIP code. Texas requirements met: Your current limits exceed Texas minimums. Homeowners Policy: Your current home policy ends when you sell/move out. I can help with: Cancellation: Effective February 1st, prorated refund of $847. New home coverage: Are you buying or renting in Austin? You're buying - congratulations! I can quote your new home. I'll need: Purchase price, year built, square footage, and closing date. Timeline: Update auto policy now with February 1st effective date. Cancel home policy effective closing date of old home. New home policy - let's quote now so coverage is ready for closing. Want to start with the auto update and then work on your new home quote?""