Can State Farm deny my umbrella claim if my underlying auto policy limits were slightly below their minimum requirement when the accident happened?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can State Farm deny my umbrella claim if my underlying auto policy limits were slightly below their minimum requirement when the accident happened?
2 real searches · 1 real-search pass
State Farm personal liability umbrella policy underlying insurance required limits failure to maintain limits reduction coverage wording CaliforniaGoogle ↗
OBSERVEDReason
California insurance law umbrella policy underlying limits below required minimum denial excess coverage case lawGoogle ↗
OBSERVEDReason
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
State Farm personal liability umbrella policy underlying insurance required limits failure to maintain limits reduction coverage wording California Google ↗
California insurance law umbrella policy underlying limits below required minimum denial excess coverage case law Google ↗
- 239 F.3d 127 · law.resource.org
- Israel v. State Farm Mut. Auto. Ins. Co., 281 F. Supp. 2d 384 (D. Conn. 2003) :: Justia · law.justia.com
- Lovy v. State Farm Insurance Co. (1981) :: :: California Courts of Appeal Decisions :: California Case Law :: California Law :: U.S. Law :: Justia · law.justia.com
- Personal Liability Umbrella Policy · statefarm.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
State Farm personal liability umbrella policy underlying insurance required limits failure to maintain limits reduction coverage wording California OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
California insurance law umbrella policy underlying limits below required minimum denial excess coverage case law OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |