Data Reference for Insurance Verification

View the data reference for insurance verification reports.

Overview

The sections below cover each of the data values and configurations for an insurance history report. Use the Retrieve an insurance report endpoint to collect the data.

Data Structure

Example report

The JSON sample below contains a comprehensive response.

{
    "id": "6f996030fcf24cae8aabc322ed72ab13",
    "status": "done",
    "finished_at": "2022-10-06T18:19:00.847179Z",
    "access_token": "412dfe130abb4f3da4a869330f7b7d04",
    "tracking_info": "dcbfdb9a-07da-4342-94cf-419be12b2cfc",
    "insurance": {
        "policies": [
            {
                "id": "53c5ce0d-fb79-4f1c-bc27-32181b368fc7",
                "policy_type": "HOMEOWNERS",
                "name": "HOME HO132483",
                "description": "Effective 11/03/2021 - 11/03/2022",
                "carrier_policy_number": "HO132483",
                "effective_date": "2021-11-03T00:00:00Z",
                "expiry_date": "2022-11-03T00:00:00Z",
                "renewal_date": null,
                "canceled_date": null,
                "total_premium_cents": 150319,
                "deductible_cents": null,
                "carrier_name": "progressive",
                "status": "ACTIVE",
                "dwellings": [
                    {
                        "id": "b7a53a67-7266-42b6-a20e-97e8fc723bbc",
                        "address": {
                            "id": "fb3e81ee-bf1b-4e0b-9047-bc74b9cb1358",
                            "country": null,
                            "street": "344 Clinton St, Apartment 3D",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11231"
                        },
                        "coverages": [
                            {
                                "name": "DWELLING",
                                "premium_cents": 112682,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 28838000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "b9087b71-c1b1-482d-be9f-92a2cf81fbb3"
                            },
                            {
                                "name": "OTHER_STRUCTURES",
                                "premium_cents": 5976,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 2883800,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "c8a52c7c-46d4-4a66-bbe5-3c16322c37f8"
                            },
                            {
                                "name": "PERSONAL_PROPERTY",
                                "premium_cents": 24326,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 14419000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "c4280446-7723-4046-9b1d-ad936cf5490b"
                            },
                            {
                                "name": "LOSS_OF_USE",
                                "premium_cents": 4110,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 5767600,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "73be1b3a-3582-4770-8f19-ae1e2ab2a3a7"
                            },
                            {
                                "name": "PERSONAL_LIABILITY",
                                "premium_cents": 2193,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 10000000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "21296eac-cf90-4be1-9401-8e8659a4e7bf"
                            },
                            {
                                "name": "MEDICAL_PAYMENTS",
                                "premium_cents": 1032,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 100000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "20843701-bc3d-499a-ba38-4f80abaeeccd"
                            },
                            {
                                "name": "ALL_OTHER_PERILS",
                                "premium_cents": null,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": null,
                                "deductible_cents": 288380,
                                "is_declined": false,
                                "id": "a40990f9-8d61-40d9-801f-b5ead61d6b79"
                            },
                            {
                                "name": "WINDSTORM_OR_HAIL",
                                "premium_cents": null,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": null,
                                "deductible_cents": 576760,
                                "is_declined": false,
                                "id": "864af4be-8890-4efc-923d-dfaa56ca0486"
                            }
                        ],
                        "mortgagees": [
                            {
                                "id": "26a4ce3a-0b9f-4c3d-96c0-1c76529e3b52",
                                "name": "string",
                                "type": "FIRST",
                                "loan_number": "string",
                                "address": {
                                    "id": "a497f96b-94be-443e-88bb-c8289085c922",
                                    "address_nature": "MAILING",
                                    "country": "US",
                                    "street": "344 Clinton St, Apartment 3D",
                                    "city": "Brooklyn",
                                    "state": "NY",
                                    "zip": "11231"
                                }
                            }
                        ]
                    }
                ],
                "vehicles": [],
                "commercial_named_insureds": [],
                "claims": [
                    {
                        "id": "aeca8a7e-af90-4133-92c3-81fc9b0f6bae",
                        "dwelling_id": "b7a53a67-7266-42b6-a20e-97e8fc723bbc",
                        "vehicle_id": null,
                        "driver_id": null,
                        "carrier_claim_identifier": "HO-12345",
                        "date_occurred": "2020-10-07T00:00:00.000Z",
                        "type": "WIND_AND_HAIL_DAMAGE",
                        "status": "OPEN",
                        "date_closed": null,
                        "payout_cents": null,
                        "representative_name": "Jane Doe",
                        "representative_phone": "8885553333",
                        "representative_email": "[email protected]",
                        "address": {
                            "id": "a497f96b-94be-443e-88bb-c8289085c922",
                            "country": null,
                            "street": "344 Clinton St, Apartment 3D",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11231"
                        }
                    }
                ],
                "loss_events": [
                    {
                        "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
                        "date_of_occurrence": "2022-10-05T19:00:27.567Z",
                        "date_of_claim": "2022-10-05T19:00:27.567Z",
                        "type": "BURGLARY_AND_THEFT",
                        "amount_paid_cents": 0,
                        "amount_reserved_cents": 0,
                        "is_subrogation": true,
                        "is_claim_open": true
                    }
                ],
                "documents": [
                    {
                        "id": "76e7c90e-c976-414f-bf8d-0ac78f55fd28",
                        "title": "11-03-2021 - Homeowners Renewal Declarations",
                        "document_type": "DECLARATIONS",
                        "date_added": "2021-11-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/cdb3ab22-34ca-4e5d-aca5-7594f24ce9c2.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=1309b543cd7822004f000105626e49d744c49e941e2ad1e5d36ffaff1edd7d29"
                    },
                    {
                        "id": "761d55b1-4de9-496b-9850-021e19963aa1",
                        "title": "11-03-2020 - Homeowners Renewal Declarations",
                        "document_type": "DECLARATIONS",
                        "date_added": "2020-11-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/11bbfa1e-9af4-4acd-8fec-1c752b037f39.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=493de1e2aa3411122d2891f0635d0ee79328038a5ea8b9f4e7efe4e8f724ef19"
                    }
                ]
            },
            {
                "id": "e22ab6be-a3b7-4c09-8032-d3286112b504",
                "policy_type": "AUTO",
                "name": "AUTO AU192837",
                "description": "Effective 05/03/2022  -  11/03/2022",
                "carrier_policy_number": "AU192837",
                "effective_date": "2022-05-03T00:00:00Z",
                "expiry_date": "2022-11-03T00:00:00Z",
                "renewal_date": null,
                "canceled_date": null,
                "total_premium_cents": 53857,
                "deductible_cents": null,
                "carrier_name": "progressive",
                "status": "ACTIVE",
                "dwellings": [],
                "vehicles": [
                    {
                        "id": "26a4ce3a-0b9f-4c3d-96c0-1c76529e3b52",
                        "year": 2018,
                        "make": "CHEVROLET",
                        "model": "Camaro",
                        "series": "ZL1",
                        "series2": null,
                        "type": "PASSENGER CAR",
                        "annual_mileage": null,
                        "vin": "1G1FK1R62J0158884",
                        "purchase_date": null,
                        "is_removed": false,
                        "lien_holder": "Metropolis Bank",
                        "garaging_address": {
                            "id": "4172d323-4987-4351-bcd6-842d35a2603f",
                            "country": null,
                            "street": "344 Clinton St, Apartment 3D",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11231"
                        },
                        "lien_holder_address": {
                            "id": "d0e0b754-8d59-4d76-b4c6-4e8367fd31c4",
                            "country": null,
                            "street": "620 Atlantic Ave",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11217"
                        },
                        "coverages": [
                            {
                                "name": "COLLISION",
                                "premium_cents": 18514,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": null,
                                "deductible_cents": 50000,
                                "is_declined": false,
                                "id": "111da3f8-20b0-4839-81d7-6473437e493e",
                                "per_day_limit_cents": null,
                                "per_mile_premium_tenth_of_cents": null
                            },
                            {
                                "name": "COMPREHENSIVE",
                                "premium_cents": 9777,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": null,
                                "deductible_cents": 50000,
                                "is_declined": false,
                                "id": "b8c60dbc-33f9-4c69-b850-47f14ad9537e",
                                "per_day_limit_cents": null,
                                "per_mile_premium_tenth_of_cents": null
                            },
                            {
                                "name": "BODILY_INJURY_LIABILITY",
                                "premium_cents": 11355,
                                "per_person_limit_cents": 10000000,
                                "per_incident_limit_cents": 30000000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "e032c4f2-44ff-41dc-99a2-6bcfe0ce8b2c",
                                "per_day_limit_cents": null,
                                "per_mile_premium_tenth_of_cents": null
                            },
                            {
                                "name": "PROPERTY_DAMAGE_LIABILITY",
                                "premium_cents": 11758,
                                "per_person_limit_cents": null,
                                "per_incident_limit_cents": 5000000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "f8564035-115f-4d42-8ca8-1fab0f8e502e",
                                "per_day_limit_cents": null,
                                "per_mile_premium_tenth_of_cents": null
                            },
                            {
                                "name": "UNINSURED_MOTORISTS",
                                "premium_cents": 2453,
                                "per_person_limit_cents": 1500000,
                                "per_incident_limit_cents": 3000000,
                                "deductible_cents": null,
                                "is_declined": false,
                                "id": "34d363b6-add1-4e2a-80e8-adac84578a47",
                                "per_day_limit_cents": null,
                                "per_mile_premium_tenth_of_cents": null
                            }
                        ],
                        "drivers": [
                            {
                                "id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                                "first_name": "John",
                                "middle_name": "Joseph",
                                "last_name": "Doe",
                                "drivers_license": "SUP1234017",
                                "drivers_license_state": "DC",
                                "date_of_birth_str": "05/03/1987",
                                "gender": "MALE",
                                "marital_status": "SINGLE",
                                "relationship_to_insured": "INSURED",
                                "is_excluded": false
                            }
                        ]
                    }
                ],
                "commercial_named_insureds": [
                    {
                        "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
                        "name": "Sample Business LLC",
                        "form_of_business": "LIMITED_LIABILITY_COMPANY",
                        "gl_code": "10010",
                        "sic_code": "6411",
                        "naics_code": "524210",
                        "fein": "123456789",
                        "ssn": "123456789",
                        "is_primary": true,
                        "address": {
                            "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
                            "country": null,
                            "street": "344 Clinton St, Apartment 3D",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11231"
                        }
                    }
                ],
                "claims": [
                    {
                        "id": "c032178d-2837-442e-9e37-c4b3d59ec06d",
                        "dwelling_id": null,
                        "vehicle_id": "26a4ce3a-0b9f-4c3d-96c0-1c76529e3b52",
                        "driver_id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                        "carrier_claim_identifier": "AU-54321",
                        "date_occurred": "2019-08-23T00:00:00.000Z",
                        "type": "THEFT",
                        "status": "CLOSED",
                        "date_closed": "2019-10-02T00:00:00.000Z",
                        "payout_cents": 2750000,
                        "representative_name": "Jane Doe",
                        "representative_phone": "8885554444",
                        "representative_email": "[email protected]",
                        "address": {
                            "id": "a497f96b-94be-443e-88bb-c8289085c922",
                            "country": null,
                            "street": "344 Clinton St, Apartment 3D",
                            "city": "Brooklyn",
                            "state": "NY",
                            "zip": "11231"
                        }
                    }
                ],
                "loss_events": [],
                "documents": [
                    {
                        "id": "8c5193a1-3f51-4c4b-ac48-d8857f388496",
                        "title": "05-03-2022 - Auto - Automobile Policy Renewal Declarations",
                        "document_type": "DECLARATIONS",
                        "date_added": "2022-05-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/27ad52ec-0695-44d0-b736-b1897febc75f.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=e8c8d9ee230fd51392aa498d0af1fde06bb535cb8c3b029558597fa51caaa8a0"
                    },
                    {
                        "id": "55ad7bb6-f5a3-4ebf-91fb-2802391eb261",
                        "title": "11-03-2021 - Auto - Automobile Policy Renewal Declarations",
                        "document_type": "DECLARATIONS",
                        "date_added": "2021-11-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/5df057b0-0a2e-4721-8eb2-719690a5b23e.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=1f1bb3760a9efd1d9eb5bb0f21b22da7ae572f795bf8c6d6b6f6ab709f2e1893"
                    },
                    {
                        "id": "257b0624-bb13-40ac-ad08-1e468411a9b5",
                        "title": "05-03-2022 - Auto - Auto ID Cards",
                        "document_type": "INSURANCE_ID_CARD",
                        "date_added": "2022-05-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/ff5560cd-8d0b-4996-97ce-886479a1dbc0.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=11b94ca118c9c765e971fa917debeb5bd6ff4df4352e04470ded6ff8594247db"
                    },
                    {
                        "id": "bdc85400-563d-4b71-b7b6-dd2f01faf3ca",
                        "title": "05-03-2021 - Auto - Automobile Policy Renewal Declarations",
                        "document_type": "DECLARATIONS",
                        "date_added": "2021-05-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/58c80d49-2fca-4c56-8aac-fd21e4369773.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=ceaa335366e0c8111e92c547ef50dcad2ba1d76683ed8606c678df9a1324c5dd"
                    },
                    {
                        "id": "12a6012a-a5d7-46a0-b78c-5bd15fcd3870",
                        "title": "11-03-2020 - Auto - Auto ID Cards",
                        "document_type": "INSURANCE_ID_CARD",
                        "date_added": "2020-11-03T00:00:00Z",
                        "file": "https://truv-statements.s3.amazonaws.com/insurance/66841b4d-b1b1-444b-a969-6349fd732769.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAZWHJR5UGJ7X67RWO%2F20221006%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20221006T181936Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=d7b52f450eaa7f04e7b43959dc52ff46b25c9d291fe63fe726eaf37abb355419"
                    }
                ]
            }
        ],
        "drivers": [
            {
                "id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                "first_name": "John",
                "middle_name": "Joseph",
                "last_name": "Due",
                "drivers_license": "SUP1234017",
                "drivers_license_state": "DC",
                "date_of_birth_str": "05/03/1987",
                "gender": "MALE",
                "marital_status": "SINGLE",
                "relationship_to_insured": "INSURED"
            }
        ],
        "driving_records": [
            {
                "id": "da9d46ad-8ddb-4b4b-bc7e-7a381a738f7c",
                "driver_id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                "incident_date": "2021-04-23T00:00:00.000Z",
                "incident_type": "ACCIDENT",
                "violation_type": null,
                "is_at_fault": false
            },
            {
                "id": "cc70e062-8393-481d-ad05-d402e1cbaa05",
                "driver_id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                "incident_date": "2018-09-14T00:00:00.000Z",
                "incident_type": "VIOLATION",
                "violation_type": "SPEEDING",
                "is_at_fault": null
            }
        ]
    },
    "identity": {
        "id": "3487aa87c31f4a1e92ef404156bc5952",
        "first_name": "John",
        "last_name": "Doe",
        "full_name": "John Joseph Doe",
        "middle_initials": "J",
        "email": "[email protected]",
        "ssn": null,
        "date_of_birth": "1987-05-03",
        "home_address": {
            "zip": "11231",
            "city": "BROOKLYN",
            "state": "NY",
            "street": "344 CLINTON ST",
            "country": "US"
        }
    },
    "provider": "progressive"
}

Verification data

The data below refers to insurance information verification.

NameTypeDescription
idstringUnique ID of the report
statusstringTask status from the Connection Lifecycle
finished_atstringTime when report was finished
access_tokenstringPayroll provider Link access_token
tracking_infostringString value provided when generating bridge_token
insuranceobjectInsurance policy information

Insurance

This table covers high-level insurance information from the insurance provider records.

NameTypeDescription
policiesarrayList of policy objects
driversarrayList of vehicle objects
driving_recordsarrayList of driving record objects

Policies

This covers Insurance policy information from insurance provider records.

NameTypeDescription
idstring(uuid)Unique ID for policy
policy_typestring (enum)Type of insurance policy

Possible values:
AUTO, BOAT, CONDO, FARMOWNER, FLOOD, HOMEOWNERS, LANDLORD, LIFE, MOTORCYCLE, TERM_LIFE, UNIVERSAL_LIFE, WHOLE_LIFE, RENTERS, SNOWMOBILE, UMBRELLA, RECREATIONAL_VEHICLE, FIRE, TRAILER, PERSONAL_ARTICLES, EARTHQUAKE, BUSINESS_OWNERS, COMMERCIAL_UMBRELLA, COMMERCIAL_AUTO, COMMERCIAL_FIRE, COMBO
namestringName of policy
descriptionstringDescription of policy
carrier_policy_numberstringCarrier's policy identifier number
effective_datestring(date-time)Policy effective date
expiry_datestring(date-time)Policy expiration date
renewal_datestring(date-time)Policy renewal date
canceled_datestring(date-time)Policy canceled date
total_premium_centsintegerTotal policy premium in cents
deductible_centsintegerCommercial policy deductible in cents
carrier_namestringInsurance carrier name
statusstring (enum)Insurance policy status

Possible values:
ACTIVE, CANCELLED, EXPIRED, UNVERIFIED, PENDING_ACTIVATION, PENDING_CANCELLATION
dwellingsarrayList of dwelling objects
vehiclesarrayList of vehicle objects
commercial_named_insuredsarrayList of commercial named insureds
claimsarrayList of claim objects
loss_eventsarrayList of commercial loss events objects
documentsarrayList of document objects

Dwellings

This table is for dwelling information from insurance information verification.

NameTypeDescription
idstring(uuid)Unique ID of the dwelling
addressobjectAddresses of dwellings
coveragesarrayList of dwelling coverage objects
Address

This table covers addresses associated with the insurance information from the insurance provider.

NameTypeDescription
idstring(uuid)ID of the dwelling
countrystringCountry of address
streetstringAddress street number, name, and unit (if applicable)
citystringCity of address
statestringState of address
zipstringZip code of address
Dwellings: Coverages

The information below is for insurance coverage data for specific dwellings. These dwellings are associated with the insurance information verification.

NameTypeDescription
namestring(enum)Name of coverage item

Possible values:
BASE, DWELLING, OTHER_STRUCTURES, PERSONAL_PROPERTY, LOSS_OF_USE, PERSONAL_LIABILITY, REPLACEMENT_COST_FULL_VALUE, REPLACEMENT_COST_DWELLING, REPLACEMENT_COST_CONTENTS, GUEST_MEDICAL_PROTECTION, SINGLE_LIMIT_LIABILITY, BODILY_INJURY_LIABILITY, PROPERTY_DAMAGE_LIABILITY, SUPPLEMENTAL_SPOUSAL_LIABILITY, PERSONAL_INJURY_PROTECTION, COMPREHENSIVE, FULL_GLASS, COLLISION_DEDUCTIBLE_WAIVER, COLLISION, UNINSURED_MOTORIST_BODILY_INJURY_LIABILITY, UNDERINSURED_MOTORIST_BODILY_INJURY_LIABILITY, UNINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY, UNDERINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY, UNINSURED_MOTORISTS, UNDERINSURED_MOTORISTS, UNINSURED_AND_UNDERINSURED_MOTORISTS, TOWING_AND_LABOR, MECHANICAL_BREAKDOWN, RENTAL_REIMBURSEMENT, CAR_RENTAL_AND_TRAVEL_EXPENSES, LOAN_OR_LEASE_ASSISTANCE, RIDESHARE_GAP_PROTECTION, MEDICAL_PAYMENTS, ADDITIONAL_LIVING_EXPENSE, FAMILY_LIABILITY_PROTECTION, BUILDING_CODES, EMERGENCY_ROAD_SERVICE, SUPPLEMENTAL_UNINSURED_AND_UNDERINSURED_MOTORISTS, EMERGENCY_EXPENSE, REPLACEMENT_COST_PERSONAL_EFFECTS, VACATION_LIABILITY_COVERAGE, RV_MEDICAL, EXTENDED_BENEFITS, WAGE_EARNER_DISABILITY_BENEFITS, ESSENTIAL_SERVICES_DISABILITY_BENEFITS, DEATH_BENEFIT, CAR_REPLACEMENT_ASSISTANCE, COMBINED_SINGLE_LIMIT, FULL_TORT, WINDSTORM_OR_HAIL, ALL_OTHER_PERILS
premium_centsintegerPremium paid for coverage item in cents
per_person_limit_centsintegerPer-person limit in cents
per_incident_limit_centsintegerPer-incident limit in cents
deductible_centsintegerDeductible in cents
is_declinedbooleanStatus of coverage item
idstring(uuid)Unique ID of the dwelling coverage
Dwellings: Mortgagees

The information below is for insurance mortgagee data for specific dwellings. These mortgagees are associated with the insurance information verification.

NameTypeDescription
idstringID of mortgagee
namestringName of mortgagee
typestringType of mortgagee
FIRST SECOND THIRD
loan_numberstringMortgage loan number
addressobjectAddress object

Vehicles

The table is for vehicle information from the insurance verification.

NameTypeDescription
idstring(uuid)Unique ID of the vehicle
yearintegerVehicle year
makestringVehicle make
modelstringVehicle model
seriesstringVehicle series
series2stringVehicle series 2
typestringVehicle type
annual_mileageintegerVehicle annual mileage
vinstringVehicle identification number
purchase_datestring(date-time)Vehicle purchase date
is_removedbooleanStatus of vehicle policy
lien_holderstringVehicle lien holder name
garaging_addressobjectAddress where vehicle is garaged (see Address)
lien_holder_addressobjectAddress of lien holder (see Address)
coveragesarrayList of vehicle coverage objects (see Coverages)
driversarrayList of driver objects (see Drivers)
Vehicles: Coverages

The information below covers insurance coverage data for specific vehicles from the insurance verification.

NameTypeDescription
namestring(enum)Name of coverage item

Possible values:
BASE, DWELLING, OTHER_STRUCTURES, PERSONAL_PROPERTY, LOSS_OF_USE, PERSONAL_LIABILITY, REPLACEMENT_COST_FULL_VALUE, REPLACEMENT_COST_DWELLING, REPLACEMENT_COST_CONTENTS, GUEST_MEDICAL_PROTECTION, SINGLE_LIMIT_LIABILITY, BODILY_INJURY_LIABILITY, PROPERTY_DAMAGE_LIABILITY, SUPPLEMENTAL_SPOUSAL_LIABILITY, PERSONAL_INJURY_PROTECTION, COMPREHENSIVE, FULL_GLASS, COLLISION_DEDUCTIBLE_WAIVER, COLLISION, UNINSURED_MOTORIST_BODILY_INJURY_LIABILITY, UNDERINSURED_MOTORIST_BODILY_INJURY_LIABILITY, UNINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY, UNDERINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY, UNINSURED_MOTORISTS, UNDERINSURED_MOTORISTS, UNINSURED_AND_UNDERINSURED_MOTORISTS, TOWING_AND_LABOR, MECHANICAL_BREAKDOWN, RENTAL_REIMBURSEMENT, CAR_RENTAL_AND_TRAVEL_EXPENSES, LOAN_OR_LEASE_ASSISTANCE, RIDESHARE_GAP_PROTECTION, MEDICAL_PAYMENTS, ADDITIONAL_LIVING_EXPENSE, FAMILY_LIABILITY_PROTECTION, BUILDING_CODES, EMERGENCY_ROAD_SERVICE, SUPPLEMENTAL_UNINSURED_AND_UNDERINSURED_MOTORISTS, EMERGENCY_EXPENSE, REPLACEMENT_COST_PERSONAL_EFFECTS, VACATION_LIABILITY_COVERAGE, RV_MEDICAL, EXTENDED_BENEFITS, WAGE_EARNER_DISABILITY_BENEFITS, ESSENTIAL_SERVICES_DISABILITY_BENEFITS, DEATH_BENEFIT, CAR_REPLACEMENT_ASSISTANCE, COMBINED_SINGLE_LIMIT, FULL_TORT, WINDSTORM_OR_HAIL, ALL_OTHER_PERILS
premium_centsintegerPremium paid for coverage item in cents
per_person_limit_centsintegerPer-person limit in cents
per_incident_limit_centsintegerPer-incident limit in cents
deductible_centsintegerDeductible in cents
is_declinedbooleanStatus of coverage item
idstring(uuid)Unique ID of the vehicle coverage
per_day_limit_centsintegerPer-day limit in cents
per_mile_premium_tenth_of_centsintegerPremium per mile in tenth of cents
Vehicles: Drivers

The table below covers similar data to Drivers with an additional boolean field.

NameTypeDescription
idstring(uuid)Unique ID of the driver
first_namestringFirst name of driver
middle_namestringMiddle name of driver
last_namestringLast name of driver
drivers_licensestringDriver's license number
drivers_license_statestringState of Driver's license
date_of_birth_strstringDriver's date of birth
genderstring(enum)Driver's gender

Possible values:
MALE, FEMALE, NONBINARY
marital_statusstring(enum)Driver's marital status

Possible values:
SINGLE, MARRIED, DIVORCED, WIDOWED
relationship_to_insuredstring(enum)Relationship to the insured

Possible values:
INSURED, SPOUSE, BROTHER, SISTER, FATHER, MOTHER, DAUGHTER, SON
is_excludedbooleanStatus of Driver excluded from Policy or Vehicle

Commercial named insureds

The table below is for information about commercial insurance policies from the insurance verification.

NameTypeDescription
idstring(uuid)Unique ID of the commercial named insured
namestringName of the insured
form_of_businessstring(enum)The form of business of the insured

Possible values:
INDIVIDUAL, PARTNERSHIP, LIMITED_LIABILITY_COMPANY, S_CORPORATION, CORPORATION, JOINT_VENTURE, NOT_FOR_PROFIT_ORGANIZATION, TRUST
gl_codestringGeneral liability class code
sic_codestringStandard industrial classification code
naics_codestringNorth American Industry Classification System code
feinstringFederal Employer Identification number
ssnstringSocial Security Number
is_primary_named_insuredbooleanStatus of the insured as the primary
addressobjectAddress of the insured

Claims

The info below is for insurance claim data from the insurance verification.

NameTypeDescription
idstring(uuid)Unique ID of the claim
dwelling_idstring(uuid)Unique ID of the dwelling for the related claim
vehicle_idstring(uuid)Unique ID of the vehicle for the related claim
driver_idstring(uuid)Unique ID of the driver for the related claim
carrier_claim_identifierstringThe carrier's identifier for the claim
date_occurredstring(date-time)Date the claim occurred
typestring(enum)Claim type

Possible values:
WIND_AND_HAIL_DAMAGE, WATER_DAMAGE_AND_FREEZING, FIRE_AND_LIGHTNING_DAMAGE, OTHER_PROPERTY_DAMAGE, PERSONAL_LIABILITY, POWER_OUTAGE_OR_SURGE, THEFT, CAR_ACCIDENT, WINDSHIELD_DAMAGE, ANIMAL_COLLISION, VANDALISM, WEATHER, EMERGENCY_ROADSIDE_ASSISTANCE, MEDICAL
statusstring(enum)Claim status

Possible values:
OPEN, CLOSED
date_closedstring(date-time)Date the claim was closed
payout_centsintegerPayout of the claim in cents
representative_namestringFull name of the claim representative
representative_phonestringPhone number of the claim representative
representative_emailstringEmail address of the claim representative
addressobjectAddress for the claim location

Loss events

The table below covers loss event information from the insurance verification.

NameTypeDescription
idstring(uuid)Unique ID of the loss event
date_of_occurrencestring(date-time)Date the loss event occurred
date_of_claimstringDate of the claim
typestring(enum)Loss event type

Possible values:
BURGLARY_AND_THEFT, WATER_DAMAGE_AND_FREEZING_DAMAGE, WIND_AND_HAIL_DAMAGE, FIRE, CUSTOMER_SLIPS_AND_FALLS, CUSTOMER_INJURY_AND_DAMAGE, PRODUCT_LIABILITY, STRUCK_BY_AN_OBJECT, REPUTATIONAL_HARM, VEHICULAR_ACCIDENT, WINDSHIELD_DAMAGE
amount_paid_centsintegerAmount paid in cents
amount_reserved_centsintegerAmount reserved in cents
is_subrogationbooleanStatus of subrogation success
is_claim_openbooleanStatus of open claim

Documents

This information below is for insurance document data from the insurance provider.

NameTypeDescription
idstring(uuid)Unique ID of the document
titlestringTitle of Document
document_typestring(enum)Type of Document

Possible values:
INSURANCE_APPLICATION, INSURANCE_BINDER, DECLARATIONS, ENDORSEMENT, INSURANCE_ID_CARD, VERIFICATION_OF_INSURANCE
date_addedstring(date-time)Effective date of Document
filestringURL of the document file

Drivers

The items below are automotive driver information from insurance provider records.

NameTypeDescription
idstring(uuid)Unique ID of the driver
first_namestringFirst name of driver
middle_namestringMiddle name of driver
last_namestringLast name of driver
drivers_licensestringDriver's license number
drivers_license_statestringState of Driver's license
date_of_birth_strstringDriver's date of birth
genderstring(enum)Driver's gender

Possible values:
MALE, FEMALE, NONBINARY
marital_statusstring(enum)Driver's marital status

Possible values:
SINGLE, MARRIED, DIVORCED, WIDOWED
relationship_to_insuredstring(enum)Relationship to the insured

Possible values:
INSURED, SPOUSE, BROTHER, SISTER, FATHER, MOTHER, DAUGHTER, SON

Driving records

This data is for automotive driving records from the insurance verification.

NameTypeDescription
idstring(uuid)Unique ID of the driving record
driver_idstring(uuid)Unique ID of the driver connected to driving record
incident_datestring(date-time)Date the incident occurred
incident_typestring(enum)Incident type

Possible values:
ACCIDENT, VIOLATION
violation_typestring(enum) (nullable)The violation_type is only available if incident_type = VIOLATION

Possible values:
MOVING, SPEEDING, RECKLESS_DRIVING, DRIVING_WITHOUT_VALID_LICENSE, HIT_AND_RUN, DISTRACTED_DRIVING, DRIVING_UNDER_INFLUENCE
is_at_faultboolean (nullable)Status of driver at fault

Identity

This data is for policy holder identification information.

NameTypeDescription
idstring(uuid)Unique ID of the policy holder
first_namestringFirst name of policy holder
last_namestringLast name of policy holder
full_namestringFull name of policy holder
middle_initialsstringMiddle initials of policy holder
emailstringEmail address of policy holder
ssnstringSocial Security Number of policy holder
date_of_birthstringDate of birth of policy holder
home_addressobjectHome address of policy holder

Home address

The information below is for the home address from the insurance provider information.

NameTypeDescription
zipstringZip code of home address
citystringCity of home address
statestringState of home address
streetstringHome address street number, name, and unit (if applicable)
countrystringCountry of home address

Provider

This field contains the name of the insurance provider.

NameTypeDescription
providerstringInsurance provider name