A rating line example for personal auto - PersonalAutoCovCostData

This topic describes the implementation of one of the built-in lines of business, Personal Auto (PA). Although all lines of business are different, you can use this information to understand the types of things that you need to implement for rating integration for new policy lines. This implementation relies on the built-in architecture for rating typical lines of business.

This topic describes the default rating engine for Personal Auto, which uses system tables. The class name is PASysTableRatingEngine. If you use Guidewire Rating Management, you use a different built-in plugin implementation class than the default rating plugin.

For the personal auto line, the Cost entity hierarchy reflects how the line calculates various subtotals. The following table lists the Cost entity subtypes for this line, with a description and the name of its cost data object.

Personal auto cost entity	Description	Personal auto cost data class
PACost	The root entity type for all personal auto costs. This includes a link to PersonalAutoLine and an array of PATransaction entities.	PACostData
PAMultiPolicyDiscCost	A cost value that represents multipolicy discounts	PAMultiPolicyDiscCostData
PAShortRatePenaltyCost	A cost value that represents a cancellation short rate penalty.	PAShortRatePenaltyCostData
PersonalAutoCovCost	A cost value that adds a link to a PersonalVehicleCov and a link to a PersonalVehicle. This line uses this cost to join together a line-level coverage and a particular vehicle, since line-level coverages are priced for each vehicle.	PersonalAutoCovCostData
PersonalAutoTaxCost	A cost value for taxes	PersonalAutoTaxCostData
PersonalVehicleCovCost	A cost value for a vehicle coverage that has a link to PersonalVehicleCov. The link to the coverage already implies a link to the vehicle.	PersonalVehicleCovCostData

The CostData classes directly mimic the Cost hierarchy for this line. There is one root PACostData class. It contains a link to the PersonalAutoLine (a Key that contains the value of its fixed ID). There are subclasses that correspond to each of the Cost subclasses, each with its own properties (also stored as fixed ID Key objects) where appropriate.