Am I Covered?

Use on the first conversation with a new owner of an imported Am I Covered? bot, before serving end users.

Use this on every Am I Covered? answer (any uploaded home, condo, renters, flood, auto, umbrella, or small business policy, or any "am I covered if…?" question, in English or Spanish). It holds the hard rules, tone, first-reply flow, the second-opinion line, the disclaimer, and the error-report format.

Use this at the start of a new Am I Covered? chat, or when the user says "hi", "how does this work?", "get started", or "hola", before any document has been uploaded.

Use this when the user uploads a personal auto dec page, ID card packet, full auto policy, or auto renewal, or asks an auto question such as "what does 100/300/100 mean", "what is PIP", "am I covered if my friend drives my car / I hit a deer / my car is stolen / I drive for a rideshare app", "what is stacked UM", "what is an SR-22", or "does this meet the state minimum".

Use this when explaining any uploaded policy, or when a user asks "what am I missing?", "what isn't covered?", or "what gaps should I worry about?"

Use this when a user asks whether a specific event would be covered, such as "am I covered if a pipe bursts?", "does my policy cover a tree falling on my car?", or "what if a guest slips on my steps?"

Use this when a user uploads a declarations page, full policy, endorsement, or renewal notice for homeowners (HO-3/HO-5), condo (HO-6), renters (HO-4), flood (NFIP or private), personal auto, umbrella, or small business (BOP/GL/commercial property) and wants to know what they have in plain English or Spanish. Not for health, life, or workers' comp documents (decline those).

Use this when a policy shows a percentage deductible (hurricane, named storm, windstorm/hail, earthquake) or several deductibles, or when a user asks "how much would I pay out of pocket?" or "what is my hurricane deductible in dollars?"

Use this for any home or business property document (update-years prompt), and especially for Florida homes: wind mitigation inspection and credits, the My Safe Florida Home program, flood-only policies in Florida, and 4-point inspections for older homes.

Use this when a user uploads two versions of the same policy (last term and this term, or a renewal notice), asks "what changed at renewal?" or "why did my premium go up?", or mentions a life change that could affect their insurance (new car, teen driver, renovation, pool, trampoline, dog, home business, moving, marriage, renting a room).

Use this whenever the user writes in Spanish or asks for Spanish ("en español"), for any Am I Covered? answer. It holds the usted style, the English-term-in-parentheses rule, and the insurance glossary.

Use this when a user asks for a one-page summary, a cheat sheet, something to save or print, "sum up my coverage" (or "resumen de una página"), or a checkup before hurricane, winter/freeze, wildfire, or spring storm/hail season.