Can an insurer legally raise my rates at the next policy renewal if I called inquiring about the claims process for a weather-related windshield replacement without filing?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can an insurer legally raise my rates at the next policy renewal if I called inquiring about the claims process for a weather-related windshield replacement without filing?
3 real searches · 1 real-search pass
Tennessee auto insurance law premium increase claims inquiry no claim filed underwriting renewal windshield comprehensive claimGoogle ↗
OBSERVEDConsequence
Tennessee insurance department consumer complaint auto premium increase claims inquiry CLUE report inquiry onlyGoogle ↗
OBSERVEDReason
Tennessee law insurer surcharge comprehensive glass windshield claim rate increaseGoogle ↗
OBSERVEDConsequence
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Tennessee auto insurance law premium increase claims inquiry no claim filed underwriting renewal windshield comprehensive claim Google ↗
Tennessee insurance department consumer complaint auto premium increase claims inquiry CLUE report inquiry only Google ↗
Tennessee law insurer surcharge comprehensive glass windshield claim rate increase Google ↗
- Tennessee Code § 56-7-113 (2025) - Inquiry by homeowner's insurance policyholder not grounds for premium increase or cancellation of policy — Communications necessitating investigation — Violation constitutes unfair trade practice :: 2025 Tennessee Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- CLUE · tn.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Tennessee auto insurance law premium increase claims inquiry no claim filed underwriting renewal windshield comprehensive claim OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Tennessee insurance department consumer complaint auto premium increase claims inquiry CLUE report inquiry only OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Tennessee law insurer surcharge comprehensive glass windshield claim rate increase OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |