States That Don't Follow the Rules

Every state has its own opinion about how lines of authority combine. Some couple them, so applying for one means you get another. Some treat a broad LOA as containing narrower ones. A few, notably Indiana and Texas, behave in ways that surprise anyone who assumes the rest.

InsureTrek now encodes this rather than making you remember it.

Coupled configurations are handled at assignment time. When a state couples two LOAs, assigning one brings the other with it and the fee reflects what you're actually applying for. Florida, Indiana, and Texas each got specific handling where their rules diverge from the general case.

Superset and subset LOAs are resolved before submission. If a producer already holds a broader authority that contains the one you're assigning, InsureTrek won't submit a duplicate application the state would reject. Unassigning works the same way in reverse, including the case where you unassign and reassign in the same action.

Retired configurations no longer linger. When a state retires an LOA, assignments referencing it are cleaned up rather than sitting on the record as something you can't act on.

The point is that assignment should reflect what the state will accept. Fewer rejections, fewer fees paid for applications that were never going to succeed.