I need to know the penalty fees or refund process for canceling an umbrella insurance policy mid-term because I am downsizing my investments.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to know the penalty fees or refund process for canceling an umbrella insurance policy mid-term because I am downsizing my investments.
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
New York personal umbrella insurance policy midterm cancellation refund pro rata short rate cancellation New York insurance law Google ↗
New York Department of Financial Services cancellation by insured return premium short rate personal lines policy Google ↗
- NYS Open Legislation · nysenate.gov
- OGC Opinion No. 07-01-07: Short-Rate Cancellation Penalty & No-Fault Subrogation/Surcharge · dfs.ny.gov
- Policy Number: · biginy.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York personal umbrella insurance policy midterm cancellation refund pro rata short rate cancellation New York insurance law OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York Department of Financial Services cancellation by insured return premium short rate personal lines policy OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |