FA-62907 / Insurance premium rating / Member archive
Deductible credit interpolation: Zero deductible is rejected as invalid · case 02
A full-coverage zero-deductible quote returns invalid.
Case contract
Input premium, deductible and table [[deductible, credit per mille]] ascending (credits may be negative surcharges). Deductibles at or below the first row take its credit, at or above the last row take the last credit (no extrapolation), otherwise interpolate linearly. Credit cents = floor(prem*c/1000+1/2). Negative deductible or empty table -> 'invalid'. Return [credit, premium-credit].
Why this case matters
Premium rating engines apply ordered tabular rules where one misplaced boundary or step silently misprices policies.
One recorded failure
Sample boundary fixtureThis sample comes from the broken implementation of a controlled reproducer.
| Boundary fixture | Actual | Expected | Outcome |
|---|---|---|---|
| zero deductible uses lowest row | "invalid" | [-870, 174970] | Failed |
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