Knockouts & Eligibility

Knockouts prevent ineligible customers from proceeding through the quote flow. They're enforced at two layers: client-side (before API calls) and server-side (from Safeco API responses).

Client-Side Knockouts

Checked in the portal before submitting to the API. Navigates to /carriers/safeco/auto/knockout immediately.

Driver Knockouts

Condition	Field
License suspended	driver.licenseStatus === 'suspended'
License revoked	driver.licenseStatus === 'revoked'

Vehicle Knockouts

Condition	Field
Delivery use	vehicle.use === 'delivery' or empty string
Commercial/business use	vehicle.use === 'commercial' or 'business'

Policy Knockouts

Condition	Field
Delivery use flag	policy.deliveryUse === true
Commercial use flag	policy.commercialUse === true
License suspended (policy-level)	policy.licenseSuspended === true
Insurance previously canceled	policy.insuranceCanceled === true

Source: apps/fastlane-portal/src/app/pages/carriers/safeco/auto/knockout-validations.ts

Server-Side Knockouts

Detected from Safeco API responses after rate calls. Checked via checkKnockoutResponse().

Knockout Types

Type	Trigger	Meaning
declined	MsgStatusCd === 'Rejected'	Safeco declined the risk
error	MsgStatusCd === 'Error'	Safeco returned an error
pending	Zero premium returned	Quote came back with $0 premium (likely data issue)

Zero Premium Detection

A quote is considered zero-premium when com__safeco_QuoteRq_PremiumTotal === 0 or the FullTermAmt across all vehicles sums to zero. This typically indicates Safeco couldn't rate the risk but didn't explicitly reject it.

Extended Status Codes

When Safeco rejects a quote, the response includes ExtendedStatus entries with detail:

ExtendedStatusCd	Meaning
QuoteKickout	Risk doesn't meet underwriting guidelines
FieldError	Missing or invalid field in the request
DataError	Legacy CRN error pattern

The ExtendedStatusDesc field contains human-readable details shown on the knockout page.

Source: apps/fastlane-portal/src/app/pages/carriers/safeco/auto/knockout-utils.ts

Knockout Page

The knockout page (knockout.tsx) displays:

• The knockout type (declined, error, or pending)
• Reasons extracted from the API response
• A "Talk with Agent" option for assistance
• A "Return to DA" link to go back to the quoting tool

Custom Error Class

class KnockoutError extends Error {
  type: 'generic' | 'declined' | 'error' | 'pending';
  reasons: string[];
}

Flow Integration

Knockout checks happen at multiple points:

Step	Check Type	When
Drivers Confirm	Client-side	Before proceeding (license status)
Vehicles Confirm	Client-side	Before proceeding (vehicle use)
Policy Coverages	Server-side	After initial quote response
Discounts	Server-side	After update quote response
Summary	Server-side	After rate-with-reports response