A motor insurer lets an agent decide routine settlements up to €5,000 under mandate MC-05.2. On 16 September a settlement is permitted and waits for the 16:00 payment run. Two minutes later the third referral for the same reason narrows the mandate to recommend. The room decides what happens next.
The motor case of the control plane map: claim 4476, wording v14, mandate MC-05, rule R-02, and the loop that narrows and restores it. The dossier adds what happens between the permit and the payment.
The insurer handles 200,000 motor claims a year. About 96,000 pass through the agent, some 384 a working day. Under MC-05.2 the agent decides routine settlements up to €5,000 and asks the payment service to pay; the payment service releases settlements in runs at 10:00, 13:00, and 16:00. Rule R-02 narrows the mandate to recommend after three referrals for one reason within seven days.
| Claim | Source | Owner | Valid |
|---|---|---|---|
| The excess on contract 88-1201 is €250 | wording v14 §4.2 | policy data team | from 12.08.2026 |
| The excess on contract 88-1201 is €400 | wording v13 §4.2 | policy data team | to 11.08.2026, superseded |
| The excess on contract 77-0412 is €400 | wording v13 §4.2 | policy data team | to 30.11.2026 |
| Accidental damage is covered on both contracts | v13 §2.1 · v14 §2.1 | policy data team | in force |
| The customer receives the reasons for a settlement | conduct rules, as the insurer reads them | compliance | in force |
The signed wording is the binding source. The claims are what the agent may use, each traced to its clause; where they disagree, the wording wins and the claim is corrected.
The payment service holds the credential to pay. The agent cannot pay; it can only ask, through the check.
“My claim 4476 was settled on 11 September for €2,710. My neighbour, insured with you as well, was paid within minutes of claiming; mine took until the afternoon. Why was my claim handled differently, how was the amount worked out, and was a computer involved in the decision? I would like a person to look at it again.”
The fourteen fields of the record line (part three, slide 9), filled for this act; Exhibit E on page 4 continues the record on the day of the dossier.
| Field | What it holds | Claim 4471 · the clean act |
|---|---|---|
| Before the act · what the check read | ||
| when | the second the check decided, and the second the act committed | decided 11.09.2026 08:14:06 · committed 10:00:41, the payment run |
| the agent and its identity | which agent, acting for whom, under its own identity, and how long its credential lived | claims-agent-01, acting for Motor Claims · its own identity · token issued 08:12:50, valid 15 minutes |
| the release | the release id, each model by version and hash, the prompt set, the validation report | v2.4 · tier-1 model 2026.06.1 (7c41e0) · tier-2 model 2026.05.2 (e9a3b7) · prompt set claims-settle 2.4 · validated by model risk, MRV-031, 01.09.2026 |
| the basis | each claim the act relied on, its version, and its standing at that second on both axes: evidential warrant, and authority | The excess on policy 88-1201 is €250 · wording v14 §4.2 · from 12.08.2026 · warrant validated · current · uncontradicted · authority: the signed wording · the policy data teamPolicy 88-1201 covers accidental damage · wording v14 §2.1 · from 12.08.2026 · warrant validated · current · uncontradicted · authority: the signed wording · the policy data teamThe repair estimate for claim 4471 is €3,650 · the claim file · 11.09.2026 08:13 · warrant validated against the repairer network · authority: claims operations |
| the mandate version | the mandate in force at that second, with its level and its limit | MC-05.2 · since 15.06.2026 · decide · €5,000 a settlement · €1.5m a day across the deployment |
| the control standard | the control standard version and the rule set the check applied | CS-3 v2026.2 · rule set RS-MC-05 r14 |
| the consequence tier | the tier the act was classified into, and the version of the taxonomy that classified it | routine · taxonomy CT-2026.1 · to €5,000, one policyholder, recoverable inside the recall window, inside the firm |
| At the act · what the check decided | ||
| the check’s decision | permit, refer, or block, how many of the six inputs held, and the reason code | PERMIT · six of six · reason code OK |
| the exact act | what was done, to whom, for how much, under which id, once | settle claim 4471 · €3,400 to B-082 · C4471-S1 · once |
| the permit | its id and what it was bound to: the mandate version, the release, the basis version, the exact act; and how long it held | PR-4471-1 · bound to MC-05.2, release v2.4, wording v14 §4.2 and estimate E-4471-1, €3,400 to B-082 · valid for the next payment run |
| After the act · what came back | ||
| the receipt | what the receiving system returned, and the reconciliation against it: one permit, one act, one receipt | P-4471 · €3,400 · the 10:00 run · acknowledged by the payment service 10:00:41 · reconciled against the payment ledger: one permit, one payment, one receipt |
| the human decision | where a person decided: who, under which authority, what they confirmed, and when | none needed |
| the cost | what the decision cost in tokens, and in a person’s time where one was needed | €0.34 in tokens · no reviewer time |
| retention | how long the record, the manifest, and the permits are kept, and personal data inside them by its purpose | the record, the manifest, and the permits: ten years from the act, the period the insurer sets for settlement decisions of this tier (illustrative) · personal data by purpose and retention rule · a corrected fact is a new, linked entry |
control standard CS-3, version 2026.2 · rule set RS-MC-05 r14: refer above €5,000, on any mismatch of basis, on any prior payment · CT-2026.1 · the insurer’s consequence taxonomy · proposed by the CRO with compliance and Motor Claims, set by the board, 06.2026 · ids and figures invented
The fourteen fields of the record line (part three, slide 9), filled for this act; Exhibit E on page 4 continues the record on the day of the dossier. The agent’s line and the person’s are marked S1 and S2.
| Field | What it holds | Claim 4476 · the referral |
|---|---|---|
| Before the act · what the check read | ||
| when | the second the check decided, and the second the act committed | S1 referred 11.09.2026 08:31:12S2 decided 11.09.2026 15:20:05 · committed 16:00:38, the payment run |
| the agent and its identity | which agent, acting for whom, under its own identity, and how long its credential lived | S1 claims-agent-01, acting for Motor Claims · its own identity · token valid 15 minutesS2 handler H-117, Motor Claims · her own login · signing limit €10,000 |
| the release | the release id, each model by version and hash, the prompt set, the validation report | S1 v2.4 · tier-1 model 2026.06.1 (7c41e0) · tier-2 model 2026.05.2 (e9a3b7) · prompt set claims-settle 2.4S2 none · a person’s decision in the claims system |
| the basis | each claim the act relied on, its version, and its standing at that second on both axes: evidential warrant, and authority | The excess on policy 88-1201 is €400 · declared: wording v13 §4.2 · superseded for 88-1201 since 12.08.2026 · warrant fails on currency · contradicted by the policy record · authority: the signed wording · the policy data teamThe excess on policy 88-1201 is €250 · applicable: wording v14 §4.2 · from 12.08.2026 · confirmed by H-117 at 15:19 · warrant validated · current · authority: the signed wording · the policy data teamThe repair estimate for claim 4476 is €2,960 · the claim file · 11.09.2026 08:30 · warrant validated against the repairer network · authority: claims operations |
| the mandate version | the mandate in force at that second, with its level and its limit | S1 MC-05.2 · decide · €5,000 a settlementS2 the handler’s delegated authority · €10,000 · the delegated authority policy |
| the control standard | the control standard version and the rule set the check applied | CS-3 v2026.2 · rule set RS-MC-05 r14 |
| the consequence tier | the tier the act was classified into, and the version of the taxonomy that classified it | routine · taxonomy CT-2026.1 |
| At the act · what the check decided | ||
| the check’s decision | permit, refer, or block, how many of the six inputs held, and the reason code | S1 REFER · five of six · reason code BASIS-01: declared v13, applicable v14 for 88-1201 · owner: Motor Claims ReviewS2 PERMIT · the handler’s decision, within her limit |
| the exact act | what was done, to whom, for how much, under which id, once | S1 proposed €2,560 to B-104 · C4476-S1 · not executedS2 settle claim 4476 · €2,710 to B-104 · C4476-S2 · once |
| the permit | its id and what it was bound to: the mandate version, the release, the basis version, the exact act; and how long it held | S1 none · the proposal went to the review queue with the reasonS2 PR-4476-2 · bound to the handler’s authority, wording v14 §4.2, €2,710 to B-104 · valid for the next payment run |
| After the act · what came back | ||
| the receipt | what the receiving system returned, and the reconciliation against it: one permit, one act, one receipt | S1 noneS2 P-4476 · €2,710 · the 16:00 run · acknowledged by the payment service · one retry carried the same id, paid once · reconciled |
| the human decision | where a person decided: who, under which authority, what they confirmed, and when | S1 none yet · referred to a person with the reasonS2 handler H-117 confirmed v14 for 88-1201 and decided €2,960 − €250 = €2,710, at 15:20 |
| the cost | what the decision cost in tokens, and in a person’s time where one was needed | S1 €0.34 in tokensS2 €4.20 of a handler’s time |
| retention | how long the record, the manifest, and the permits are kept, and personal data inside them by its purpose | the record, the manifest, and the permits: ten years from the act, the period the insurer sets for settlement decisions of this tier (illustrative) · personal data by purpose and retention rule · a corrected fact is a new, linked entry |
ids and figures invented; the control standard and the taxonomy are on the page before