Are there any hidden cancellation penalties or pro-rated calculation traps to watch out for when executing a mid-term policy switch after paying the full six-month premium?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any hidden cancellation penalties or pro-rated calculation traps to watch out for when executing a mid-term policy switch after paying the full six-month premium?
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
Texas Department of Insurance auto insurance cancel policy refund unearned premium short rate cancellation fee Texas Google ↗
Texas auto insurance policy cancellation midterm pro rata refund short rate penalty prepaid six month premium Google ↗
- Adopted Rules Title 28 · sos.state.tx.us
- 2026-9730 TITLE 28. INSURANCE Adopted Section Pa · tdi.texas.gov
- INSURANCE CODE · statutes.capitol.texas.gov
- Adopted Rules Title 28 · sos.texas.gov
- Auto insurance guide · tdi.texas.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Texas Department of Insurance auto insurance cancel policy refund unearned premium short rate cancellation fee Texas OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Texas auto insurance policy cancellation midterm pro rata refund short rate penalty prepaid six month premium OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |