Accident Forgiveness First Checker
Audit actual first/current accident forgiveness inventory against verified endorsement/lifetime slot policy; not automatic claim coverage, fault determination or protection guarantee.
Description
Forgiveness inventory depends on prior usage, lifetime slots and verified endorsement.
Forgiveness inventory depends on prior usage, lifetime slots and verified endorsement. A zero-current-accident comparison can pass even with no slots.1
The returned values include Caller remaining forgiveness slots, Current accidents within caller forgiveness budget. The How section below explains the calculation, input rules and interpretation.
When to use Accident Forgiveness First Checker
Use Accident Forgiveness First Checker when you need to evaluate the supplied records under the calculation and evidence rules below. No fault determination, automatic claim coverage or premium protection guarantee is supplied.
Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
How to use Accident Forgiveness First Checker and understand its results
- Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
- Enter observedPriorForgivenAccidentCount, observedCurrentAccidentCount, callerMaximumLifetimeForgivenCount, callerForgivenessEndorsementVerified using the field table and calculation rules, then run the tool.
- Read callerRemainingForgivenessSlots, currentAccidentsWithinCallerForgivenessBudget. The explanation below defines the units, signs, ordering and any flags or placeholder values.
- If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.
| Input field | Meaning | Value type; see rules below | Requirement |
|---|---|---|---|
| observedPriorForgivenAccidentCount | Observed prior forgiven accident count | number | Required |
| observedCurrentAccidentCount | Observed current accident count | number | Required |
| callerMaximumLifetimeForgivenCount | Caller maximum lifetime forgiven count | number | Required |
| callerForgivenessEndorsementVerified | Caller forgiveness endorsement verified | boolean | Required |
Enter integer prior, current and maximum counts 0–1000 plus an endorsement boolean. Return remaining slots and inclusive current-budget flag; prior usage above the maximum clips slots to zero.
slots=verified?max(0,lifetimeMaximum−prior):0; within=currentCount≤slots Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.
| Output field | Meaning | Value type |
|---|---|---|
| callerRemainingForgivenessSlots | Caller remaining forgiveness slots | number |
| currentAccidentsWithinCallerForgivenessBudget | Current accidents within caller forgiveness budget | boolean |
{
"input": {
"observedPriorForgivenAccidentCount": 0,
"observedCurrentAccidentCount": 1,
"callerMaximumLifetimeForgivenCount": 1,
"callerForgivenessEndorsementVerified": true
},
"output": {
"callerRemainingForgivenessSlots": 1,
"currentAccidentsWithinCallerForgivenessBudget": true
}
}Limitations and assumptions
No fault determination, automatic claim coverage or premium protection guarantee is supplied.
Numeric inputs, where present, must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors. A successfully returned false flag is an evaluated outcome; its meaning is explained above.
Alternative or Complementary methods
Use At Fault Surcharge Percent Table Lookup: At-fault surcharge tiers operate on already rated accident evidence. Selecting a tier cannot determine liability. For a complementary task, use No Claims Bonus Protection Step Lookup: No-claims protection selects a verified claim transition from the current bonus step. Protecting the step need not protect the premium itself.
References
-
Accident Forgiveness First Checker — tool.io
Similar or alternative tools
- At Fault Surcharge Percent Table Lookup
At-fault surcharge tiers operate on already rated accident evidence. Selecting a tier cannot determine liability.
- No Claims Bonus Protection Step Lookup
No-claims protection selects a verified claim transition from the current bonus step. Protecting the step need not protect the premium itself.