What are the coverage limits and rules for using an umbrella insurance policy to cover medical expenses when an uninsured motorist causes a multi-car pileup on the highway near my retirement community?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the coverage limits and rules for using an umbrella insurance policy to cover medical expenses when an uninsured motorist causes a multi-car pileup on the highway near my retirement community?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
North Carolina uninsured motorist coverage statute umbrella policy UM UIM medical expenses NCDOI personal umbrella insurance Google ↗
North Carolina General Statutes 20-279.21 uninsured motorist limits medical payments insurance umbrella coverage Google ↗
- G.S. 20-279.21 · ncleg.gov
- North Carolina General Statutes § 20-279.21 (2025) - "Motor vehicle liability policy" defined. :: 2025 North Carolina General Statutes :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- STATE OF NORTH CAROLINA · ncdoi.gov
- Basic and Miscellaneous Auto Coverages · ncdoi.gov
- What is Umbrella Insurance? · nationwide.com
- What’s an Umbrella Policy? · content.naic.org
- G.S. 20-279.21 · www3.ncleg.gov
- official website · ncdoi.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
North Carolina uninsured motorist coverage statute umbrella policy UM UIM medical expenses NCDOI personal umbrella insurance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
North Carolina General Statutes 20-279.21 uninsured motorist limits medical payments insurance umbrella coverage OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |