What does an umbrella policy actually cover if I occasionally rent cars through car-sharing apps instead of owning my own vehicle?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What does an umbrella policy actually cover if I occasionally rent cars through car-sharing apps instead of owning my own vehicle?
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
personal umbrella insurance policy non-owned auto rented car car sharing coverage exclusions insurer guidance Google ↗
NAIC personal umbrella insurance auto liability underlying coverage rented vehicles non-owned auto Google ↗
- What’s an Umbrella Policy? · content.naic.org
- OCI Share with Care: Understanding the Insurance Risks of the Sharing Economy · oci.wi.gov
- Sharing Economy Insurance · content.naic.org
- OGC Opinion No. 02-07-21: Private Passenger Automobile Liability Insurance Coverage for a Non-Owned Automobile · dfs.ny.gov
- Consumer Auto · content.naic.org
- Personal Umbrella and Excess Liability Insurance · mass.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
personal umbrella insurance policy non-owned auto rented car car sharing coverage exclusions insurer guidance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
NAIC personal umbrella insurance auto liability underlying coverage rented vehicles non-owned auto OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |