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Culture","lang",{"id":564,"unique_code":565,"title":566,"icon":8,"intro":567,"cate":483,"detail":568,"create_time":569,"update_time":570,"price":571,"view_count":480,"download_count":572,"unit":572,"amount":573,"is_create_order":572,"enterprise_id":488,"seo_keywords":574,"seo_description":575,"data_format":576,"file_size":577,"apply_scene":578,"training_task":579,"version":580,"dataset_type_id":492,"dataset_scene_id":483,"sample_file":581,"banner":8,"unit_name":8,"cate_name":449,"icon_url":8,"banner_url":8,"sample_file_url":8,"data_dict":582,"qa_list":634,"sample_metadatas":655,"text_sample_content":685,"enterprise_name":686,"enterprise_logo":687,"data_distribution":688},1334,"b724c71d990e071f8c3b095ba3833234","Collision Insurance Coverage Terms Evidence Retrieval Dataset","Build stronger collision claim question answering with searchable policy terms and traceable supporting evidence from web sources.","\u003Cp>This dataset organizes web-based collision insurance policy text and related explanations covering coverage scope, deductibles, exclusions, and claim conditions, alongside claim questions, clause summaries, and supporting evidence passages. Source URLs are retained, and the records cover key steps from locating policy terms to retrieving evidence for claim assessments. The dataset does not establish a universal standard for claim decisions; actual assessments should follow the applicable policy and relevant regulations.\u003C\u002Fp>","2026-10-19 12:24:46","2026-10-19 17:19:28","0.00",0,5000,"collision insurance dataset,auto insurance policy retrieval,insurance evidence retrieval,collision claim question answering,policy exclusions,deductible lookup,claim condition extraction,insurance knowledge retrieval","Web policy text and claim questions for collision insurance, covering deductibles, exclusions, claim conditions, and source evidence for insurance retrieval and","JSON","0.5GB","collision insurance claims, insurance coverage analysis, insurance policy evidence retrieval","policy term retrieval, evidence passage matching, insurance coverage question answering","V1.0","rivo\u002Fsample-packages\u002Fdc635297-2765-4125-a715-8e49059a3a57\u002F20261019.zip",[583,588,593,598,603,608,613,618,624,629],{"id":572,"name":584,"field":585,"intro":586,"type":587},"File Name","file_name","File name","string",{"id":589,"name":590,"field":591,"intro":592,"type":587},9826,"Source URL","source_url","URL of the webpage from which the policy content was collected.",{"id":594,"name":595,"field":596,"intro":597,"type":587},9827,"Claim Question","claim_question","Claim-related question to be answered using the policy terms and supporting evidence.",{"id":599,"name":600,"field":601,"intro":602,"type":587},9828,"Policy Webpage Content","policy_webpage","Raw webpage text containing collision insurance policy terms and related explanations.",{"id":604,"name":605,"field":606,"intro":607,"type":587},9829,"Claim Assessment","claim_assessment","Answer or reasoned assessment of the claim question based on the extracted policy terms.",{"id":609,"name":610,"field":611,"intro":612,"type":587},9830,"Deductible Summary","deductible_summary","Summary of the applicable collision coverage deductible, including conditions or variations stated in the source.",{"id":614,"name":615,"field":616,"intro":617,"type":587},9831,"Exclusions Summary","exclusions_summary","Summary of exclusions relevant to the claim question, based on the source policy content.",{"id":619,"name":620,"field":621,"intro":622,"type":623},9832,"Retrieved Evidence Passages","retrieved_evidence","Source passages that support or qualify the claim assessment, including relevance and source locations.","array",{"id":625,"name":626,"field":627,"intro":628,"type":623},9833,"Extracted Policy Clauses","policy_clause_records","Relevant clauses extracted from the source webpage and categorized by their role in collision coverage or claim handling.",{"id":630,"name":631,"field":632,"intro":633,"type":587},9834,"Claim Conditions Summary","claim_conditions_summary","Summary of relevant notice, documentation, eligibility, or other claim conditions.",[635,639,643,647,651],{"id":636,"question":637,"answer":638},6789,"What does the dataset contain?","It includes collision insurance policy webpage text and source URLs, claim questions, extracted relevant clauses, deductible and exclusion summaries, claim condition summaries, claim assessments, and source passages that support or qualify those assessments.",{"id":640,"question":641,"answer":642},6790,"Which capabilities can the data support?","It can support training and evaluation for policy clause retrieval, relevant evidence retrieval, claim question answering, and evidence-based assessments. It can also help validate retrieval systems for insurance customer support and claim review.",{"id":644,"question":645,"answer":646},6791,"How can the data be obtained, and are sources traceable?","Each record includes a source URL that can help users verify the referenced webpage content. Please refer to the product page for availability and access details; source webpages may change over time.",{"id":648,"question":649,"answer":650},6792,"Can the dataset be used to make actual claim decisions?","The dataset is intended for model training, retrieval system development, and evaluation, not as a substitute for reviewing the applicable policy, case facts, and relevant regulations. Actual claim decisions should be made by authorized personnel based on current policy terms.",{"id":652,"question":653,"answer":654},6793,"What licensing considerations apply?","Before use, review the license scope stated on the product page and confirm that use of source webpage content complies with applicable terms and laws. A source URL supports traceability but does not itself grant redistribution rights.",[656,672],{"id":657,"relate_table":658,"relate_id":659,"file_size":572,"file_name":660,"path":8,"duration":572,"cate":483,"file_format":661,"audio_rate":8,"audio_channel":522,"audio_bit_depth":522,"quality":8,"annotation":662,"cate_name":663,"source_url":8,"claim_question":664,"policy_webpage":665,"claim_assessment":666,"deductible_summary":667,"exclusions_summary":668,"retrieved_evidence":669,"policy_clause_records":670,"claim_conditions_summary":671},15397,"union_cubo",242419431,"样例_2.json","json","{\"source_url\": \"\", \"claim_question\": \"The insured states that the covered vehicle struck a safety barrier while participating in a timed speed competition. The loss was reported 10 days later, and the insurer has been offered access to inspect the vehicle. Is the collision loss covered?\", \"policy_webpage\": \"\u003Chtml>\u003Cbody>\u003Ch1>Vehicle Physical Damage Terms\u003C\u002Fh1>\u003Ch2>Collision Coverage — Part B, Clause 2\u003C\u002Fh2>\u003Cp>Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\u003C\u002Fp>\u003Ch2>Deductible — Part B, Clause 3\u003C\u002Fh2>\u003Cp>The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\u003C\u002Fp>\u003Ch2>Racing Exclusion — Part B, Clause 5\u003C\u002Fh2>\u003Cp>We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\u003C\u002Fp>\u003Ch2>Claim Duties — Part D, Clause 1\u003C\u002Fh2>\u003Cp>After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\u003C\u002Fp>\u003C\u002Fbody>\u003C\u002Fhtml>\", \"claim_assessment\": \"The policy describes collision coverage for impact with an object, but expressly excludes loss while the vehicle is participating in a timed speed competition. Because the question states that the impact occurred during such a competition, the stated exclusion applies and the loss is not covered under these terms. The reported notice and offered inspection access are consistent with the stated duties but do not override the exclusion.\", \"deductible_summary\": \"The deductible is $1,000 for each collision occurrence and is the insured's responsibility. The stated racing exclusion applies to the facts described, so the deductible does not establish coverage for this loss.\", \"exclusions_summary\": \"The policy excludes loss while the vehicle is participating in, practicing for, or being prepared for a timed speed competition or organized race. The question states that the vehicle was participating in a timed speed competition at the time of impact.\", \"retrieved_evidence\": \"[{\\\"evidence_text\\\": \\\"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\\\", \\\"evidence_role\\\": \\\"Establishes the general collision coverage while expressly making it subject to exclusions.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Part B, Clause 2\\\", \\\"supports_assessment\\\": false}, {\\\"evidence_text\\\": \\\"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\\\", \\\"evidence_role\\\": \\\"Directly establishes the exclusion applicable to the stated competition-related loss.\\\", \\\"section_reference\\\": \\\"Racing Exclusion — Part B, Clause 5\\\", \\\"supports_assessment\\\": true}, {\\\"evidence_text\\\": \\\"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\\\", \\\"evidence_role\\\": \\\"Shows that the stated notice timing and offered inspection access meet two of the listed claim duties; repair estimates remain subject to request.\\\", \\\"section_reference\\\": \\\"Claim Duties — Part D, Clause 1\\\", \\\"supports_assessment\\\": true}, {\\\"evidence_text\\\": \\\"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\\\", \\\"evidence_role\\\": \\\"States the deductible applicable to a covered collision loss, without changing the racing exclusion.\\\", \\\"section_reference\\\": \\\"Deductible — Part B, Clause 3\\\", \\\"supports_assessment\\\": false}]\", \"policy_clause_records\": \"[{\\\"clause_type\\\": \\\"coverage\\\", \\\"clause_text\\\": \\\"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Part B, Clause 2\\\"}, {\\\"clause_type\\\": \\\"deductible\\\", \\\"clause_text\\\": \\\"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\\\", \\\"section_reference\\\": \\\"Deductible — Part B, Clause 3\\\"}, {\\\"clause_type\\\": \\\"exclusion\\\", \\\"clause_text\\\": \\\"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\\\", \\\"section_reference\\\": \\\"Racing Exclusion — Part B, Clause 5\\\"}, {\\\"clause_type\\\": \\\"claim condition\\\", \\\"clause_text\\\": \\\"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\\\", \\\"section_reference\\\": \\\"Claim Duties — Part D, Clause 1\\\"}]\", \"claim_conditions_summary\": \"The policy requires notice within 15 days and reasonable access for inspection; it also requires available repair estimates when requested. The question states that notice was given after 10 days and inspection access was offered.\"}","文本","The insured states that the covered vehicle struck a safety barrier while participating in a timed speed competition. The loss was reported 10 days later, and the insurer has been offered access to inspect the vehicle. Is the collision loss covered?","\u003Chtml>\u003Cbody>\u003Ch1>Vehicle Physical Damage Terms\u003C\u002Fh1>\u003Ch2>Collision Coverage — Part B, Clause 2\u003C\u002Fh2>\u003Cp>Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\u003C\u002Fp>\u003Ch2>Deductible — Part B, Clause 3\u003C\u002Fh2>\u003Cp>The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\u003C\u002Fp>\u003Ch2>Racing Exclusion — Part B, Clause 5\u003C\u002Fh2>\u003Cp>We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\u003C\u002Fp>\u003Ch2>Claim Duties — Part D, Clause 1\u003C\u002Fh2>\u003Cp>After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\u003C\u002Fp>\u003C\u002Fbody>\u003C\u002Fhtml>","The policy describes collision coverage for impact with an object, but expressly excludes loss while the vehicle is participating in a timed speed competition. Because the question states that the impact occurred during such a competition, the stated exclusion applies and the loss is not covered under these terms. The reported notice and offered inspection access are consistent with the stated duties but do not override the exclusion.","The deductible is $1,000 for each collision occurrence and is the insured's responsibility. The stated racing exclusion applies to the facts described, so the deductible does not establish coverage for this loss.","The policy excludes loss while the vehicle is participating in, practicing for, or being prepared for a timed speed competition or organized race. The question states that the vehicle was participating in a timed speed competition at the time of impact.","[{\"evidence_text\": \"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\", \"evidence_role\": \"Establishes the general collision coverage while expressly making it subject to exclusions.\", \"section_reference\": \"Collision Coverage — Part B, Clause 2\", \"supports_assessment\": false}, {\"evidence_text\": \"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\", \"evidence_role\": \"Directly establishes the exclusion applicable to the stated competition-related loss.\", \"section_reference\": \"Racing Exclusion — Part B, Clause 5\", \"supports_assessment\": true}, {\"evidence_text\": \"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\", \"evidence_role\": \"Shows that the stated notice timing and offered inspection access meet two of the listed claim duties; repair estimates remain subject to request.\", \"section_reference\": \"Claim Duties — Part D, Clause 1\", \"supports_assessment\": true}, {\"evidence_text\": \"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\", \"evidence_role\": \"States the deductible applicable to a covered collision loss, without changing the racing exclusion.\", \"section_reference\": \"Deductible — Part B, Clause 3\", \"supports_assessment\": false}]","[{\"clause_type\": \"coverage\", \"clause_text\": \"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\", \"section_reference\": \"Collision Coverage — Part B, Clause 2\"}, {\"clause_type\": \"deductible\", \"clause_text\": \"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\", \"section_reference\": \"Deductible — Part B, Clause 3\"}, {\"clause_type\": \"exclusion\", \"clause_text\": \"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\", \"section_reference\": \"Racing Exclusion — Part B, Clause 5\"}, {\"clause_type\": \"claim condition\", \"clause_text\": \"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\", \"section_reference\": \"Claim Duties — Part D, Clause 1\"}]","The policy requires notice within 15 days and reasonable access for inspection; it also requires available repair estimates when requested. The question states that notice was given after 10 days and inspection access was offered.",{"id":673,"relate_table":658,"relate_id":674,"file_size":572,"file_name":675,"path":8,"duration":572,"cate":483,"file_format":661,"audio_rate":8,"audio_channel":522,"audio_bit_depth":522,"quality":8,"annotation":676,"cate_name":663,"source_url":8,"claim_question":677,"policy_webpage":678,"claim_assessment":679,"deductible_summary":680,"exclusions_summary":681,"retrieved_evidence":682,"policy_clause_records":683,"claim_conditions_summary":684},15396,324921298,"样例_1.json","{\"source_url\": \"\", \"claim_question\": \"The insured reports that, during an ordinary trip, the covered vehicle struck a concrete barrier after the driver swerved to avoid an object in the roadway. The collision was reported promptly, and repairs have not begun. Does the policy provide collision coverage, and what conditions or deductible apply?\", \"policy_webpage\": \"\u003Chtml>\u003Cbody>\u003Ch1>Collision Coverage\u003C\u002Fh1>\u003Ch2>Coverage — Section 4.1\u003C\u002Fh2>\u003Cp>We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\u003C\u002Fp>\u003Ch2>Deductible — Section 4.2\u003C\u002Fh2>\u003Cp>A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\u003C\u002Fp>\u003Ch2>Exclusion — Section 4.3\u003C\u002Fh2>\u003Cp>No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\u003C\u002Fp>\u003Ch2>Notice and Inspection — Section 7.1\u003C\u002Fh2>\u003Cp>The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\u003C\u002Fp>\u003C\u002Fbody>\u003C\u002Fhtml>\", \"claim_assessment\": \"The reported impact with a concrete barrier falls within the stated collision coverage, subject to the policy terms. The timed-event exclusion does not match the ordinary-trip facts provided. A $750 deductible applies, and the vehicle must be made available for inspection before repairs begin unless immediate repairs are necessary to prevent further damage.\", \"deductible_summary\": \"A $750 deductible applies to each covered collision loss and is subtracted from the amount otherwise payable.\", \"exclusions_summary\": \"The stated exclusion applies to loss occurring while the vehicle is used in a timed speed contest or organized racing event. The question describes an ordinary trip, not either excluded use.\", \"retrieved_evidence\": \"[{\\\"evidence_text\\\": \\\"We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\\\", \\\"evidence_role\\\": \\\"Establishes collision coverage for impact with an object.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Section 4.1\\\", \\\"supports_assessment\\\": true}, {\\\"evidence_text\\\": \\\"A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\\\", \\\"evidence_role\\\": \\\"Qualifies the amount payable by specifying the deductible.\\\", \\\"section_reference\\\": \\\"Deductible — Section 4.2\\\", \\\"supports_assessment\\\": false}, {\\\"evidence_text\\\": \\\"No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\\\", \\\"evidence_role\\\": \\\"States an exclusion that does not match the ordinary-trip facts in the question.\\\", \\\"section_reference\\\": \\\"Exclusion — Section 4.3\\\", \\\"supports_assessment\\\": false}, {\\\"evidence_text\\\": \\\"The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\\\", \\\"evidence_role\\\": \\\"Establishes notice and inspection conditions relevant to the reported claim.\\\", \\\"section_reference\\\": \\\"Notice and Inspection — Section 7.1\\\", \\\"supports_assessment\\\": true}]\", \"policy_clause_records\": \"[{\\\"clause_type\\\": \\\"coverage\\\", \\\"clause_text\\\": \\\"We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Section 4.1\\\"}, {\\\"clause_type\\\": \\\"deductible\\\", \\\"clause_text\\\": \\\"A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\\\", \\\"section_reference\\\": \\\"Deductible — Section 4.2\\\"}, {\\\"clause_type\\\": \\\"exclusion\\\", \\\"clause_text\\\": \\\"No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\\\", \\\"section_reference\\\": \\\"Exclusion — Section 4.3\\\"}, {\\\"clause_type\\\": \\\"claim condition\\\", \\\"clause_text\\\": \\\"The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\\\", \\\"section_reference\\\": \\\"Notice and Inspection — Section 7.1\\\"}]\", \"claim_conditions_summary\": \"The policy requires notice as soon as reasonably possible and inspection before repairs begin, unless immediate repairs are needed to prevent further damage. The question states that the collision was reported promptly and repairs have not begun.\"}","The insured reports that, during an ordinary trip, the covered vehicle struck a concrete barrier after the driver swerved to avoid an object in the roadway. The collision was reported promptly, and repairs have not begun. Does the policy provide collision coverage, and what conditions or deductible apply?","\u003Chtml>\u003Cbody>\u003Ch1>Collision Coverage\u003C\u002Fh1>\u003Ch2>Coverage — Section 4.1\u003C\u002Fh2>\u003Cp>We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\u003C\u002Fp>\u003Ch2>Deductible — Section 4.2\u003C\u002Fh2>\u003Cp>A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\u003C\u002Fp>\u003Ch2>Exclusion — Section 4.3\u003C\u002Fh2>\u003Cp>No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\u003C\u002Fp>\u003Ch2>Notice and Inspection — Section 7.1\u003C\u002Fh2>\u003Cp>The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\u003C\u002Fp>\u003C\u002Fbody>\u003C\u002Fhtml>","The reported impact with a concrete barrier falls within the stated collision coverage, subject to the policy terms. The timed-event exclusion does not match the ordinary-trip facts provided. A $750 deductible applies, and the vehicle must be made available for inspection before repairs begin unless immediate repairs are necessary to prevent further damage.","A $750 deductible applies to each covered collision loss and is subtracted from the amount otherwise payable.","The stated exclusion applies to loss occurring while the vehicle is used in a timed speed contest or organized racing event. The question describes an ordinary trip, not either excluded use.","[{\"evidence_text\": \"We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\", \"evidence_role\": \"Establishes collision coverage for impact with an object.\", \"section_reference\": \"Collision Coverage — Section 4.1\", \"supports_assessment\": true}, {\"evidence_text\": \"A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\", \"evidence_role\": \"Qualifies the amount payable by specifying the deductible.\", \"section_reference\": \"Deductible — Section 4.2\", \"supports_assessment\": false}, {\"evidence_text\": \"No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\", \"evidence_role\": \"States an exclusion that does not match the ordinary-trip facts in the question.\", \"section_reference\": \"Exclusion — Section 4.3\", \"supports_assessment\": false}, {\"evidence_text\": \"The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\", \"evidence_role\": \"Establishes notice and inspection conditions relevant to the reported claim.\", \"section_reference\": \"Notice and Inspection — Section 7.1\", \"supports_assessment\": true}]","[{\"clause_type\": \"coverage\", \"clause_text\": \"We will pay for direct and accidental loss to a covered vehicle caused by its collision with another vehicle or object, subject to the terms of this policy.\", \"section_reference\": \"Collision Coverage — Section 4.1\"}, {\"clause_type\": \"deductible\", \"clause_text\": \"A $750 deductible applies to each covered collision loss. The deductible is subtracted from the amount otherwise payable.\", \"section_reference\": \"Deductible — Section 4.2\"}, {\"clause_type\": \"exclusion\", \"clause_text\": \"No coverage applies to loss that occurs while the covered vehicle is being used in a timed speed contest or organized racing event.\", \"section_reference\": \"Exclusion — Section 4.3\"}, {\"clause_type\": \"claim condition\", \"clause_text\": \"The insured must notify us of a collision as soon as reasonably possible and provide the vehicle for inspection before repairs begin, unless immediate repairs are necessary to prevent further damage.\", \"section_reference\": \"Notice and Inspection — Section 7.1\"}]","The policy requires notice as soon as reasonably possible and inspection before repairs begin, unless immediate repairs are needed to prevent further damage. The question states that the collision was reported promptly and repairs have not begun.","{\"source_url\":\"\",\"claim_question\":\"The insured states that the covered vehicle struck a safety barrier while participating in a timed speed competition. The loss was reported 10 days later, and the insurer has been offered access to inspect the vehicle. Is the collision loss covered?\",\"policy_webpage\":\"\u003Chtml>\u003Cbody>\u003Ch1>Vehicle Physical Damage Terms\u003C\\\u002Fh1>\u003Ch2>Collision Coverage — Part B, Clause 2\u003C\\\u002Fh2>\u003Cp>Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\u003C\\\u002Fp>\u003Ch2>Deductible — Part B, Clause 3\u003C\\\u002Fh2>\u003Cp>The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\u003C\\\u002Fp>\u003Ch2>Racing Exclusion — Part B, Clause 5\u003C\\\u002Fh2>\u003Cp>We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\u003C\\\u002Fp>\u003Ch2>Claim Duties — Part D, Clause 1\u003C\\\u002Fh2>\u003Cp>After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\u003C\\\u002Fp>\u003C\\\u002Fbody>\u003C\\\u002Fhtml>\",\"claim_assessment\":\"The policy describes collision coverage for impact with an object, but expressly excludes loss while the vehicle is participating in a timed speed competition. Because the question states that the impact occurred during such a competition, the stated exclusion applies and the loss is not covered under these terms. The reported notice and offered inspection access are consistent with the stated duties but do not override the exclusion.\",\"deductible_summary\":\"The deductible is $1,000 for each collision occurrence and is the insured's responsibility. The stated racing exclusion applies to the facts described, so the deductible does not establish coverage for this loss.\",\"exclusions_summary\":\"The policy excludes loss while the vehicle is participating in, practicing for, or being prepared for a timed speed competition or organized race. The question states that the vehicle was participating in a timed speed competition at the time of impact.\",\"retrieved_evidence\":\"[{\\\"evidence_text\\\": \\\"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\\\", \\\"evidence_role\\\": \\\"Establishes the general collision coverage while expressly making it subject to exclusions.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Part B, Clause 2\\\", \\\"supports_assessment\\\": false}, {\\\"evidence_text\\\": \\\"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\\\", \\\"evidence_role\\\": \\\"Directly establishes the exclusion applicable to the stated competition-related loss.\\\", \\\"section_reference\\\": \\\"Racing Exclusion — Part B, Clause 5\\\", \\\"supports_assessment\\\": true}, {\\\"evidence_text\\\": \\\"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\\\", \\\"evidence_role\\\": \\\"Shows that the stated notice timing and offered inspection access meet two of the listed claim duties; repair estimates remain subject to request.\\\", \\\"section_reference\\\": \\\"Claim Duties — Part D, Clause 1\\\", \\\"supports_assessment\\\": true}, {\\\"evidence_text\\\": \\\"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\\\", \\\"evidence_role\\\": \\\"States the deductible applicable to a covered collision loss, without changing the racing exclusion.\\\", \\\"section_reference\\\": \\\"Deductible — Part B, Clause 3\\\", \\\"supports_assessment\\\": false}]\",\"policy_clause_records\":\"[{\\\"clause_type\\\": \\\"coverage\\\", \\\"clause_text\\\": \\\"Subject to the limits and exclusions in this contract, collision coverage applies to accidental damage to the insured vehicle resulting from impact with another vehicle or an object.\\\", \\\"section_reference\\\": \\\"Collision Coverage — Part B, Clause 2\\\"}, {\\\"clause_type\\\": \\\"deductible\\\", \\\"clause_text\\\": \\\"The insured is responsible for the first $1,000 of each collision loss. This deductible applies separately to each occurrence.\\\", \\\"section_reference\\\": \\\"Deductible — Part B, Clause 3\\\"}, {\\\"clause_type\\\": \\\"exclusion\\\", \\\"clause_text\\\": \\\"We do not cover loss to a vehicle while it is participating in, practicing for, or being prepared for a timed speed competition or organized race.\\\", \\\"section_reference\\\": \\\"Racing Exclusion — Part B, Clause 5\\\"}, {\\\"clause_type\\\": \\\"claim condition\\\", \\\"clause_text\\\": \\\"After a loss, the insured must give notice within 15 days, provide reasonable access to inspect the damaged vehicle, and submit available repair estimates when requested.\\\", \\\"section_reference\\\": \\\"Claim Duties — Part D, Clause 1\\\"}]\",\"claim_conditions_summary\":\"The policy requires notice within 15 days and reasonable access for inspection; it also requires available repair estimates when requested. The question states that notice was given after 10 days and inspection access was offered.\"}","MOBIUSI INC","https:\u002F\u002Fstatic.mobiusi.com\u002Fmobiwusi\u002F20250829\u002F7bf4ac62b4533e2b809998a6f1c5491e.png?Expires=1792463130&OSSAccessKeyId=LTAI5tH8MQqhgeiAtrzCHrxM&Signature=v6Tr8jBrdm4s5wU1SnnyGsYg%2Bhw%3D&x-oss-process=image%2Fresize%2Cm_fill%2Cw_35%2Ch_35",[689,695],{"type":690,"title":691,"count_data":692},"bar","Length distribution",[693],{"name":694,"value":480},"1k lower",{"type":696,"title":697,"count_data":698},"pie","Language distribution",[699],{"name":700,"value":480},"English"]