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"
}
]
}
],
"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.
| Name | Type | Description |
|---|---|---|
| id | string | Unique ID of the report |
| status | string | Task status from the Connection Lifecycle |
| finished_at | string | Time when report was finished |
| access_token | string | Payroll provider Link access_token |
| tracking_info | string | String value provided when generating bridge_token |
| insurance | object | Insurance policy information |
Insurance
This table covers high-level insurance information from the insurance provider records.
| Name | Type | Description |
|---|---|---|
| policies | array | List of policy objects |
| drivers | array | List of vehicle objects |
| driving_records | array | List of driving record objects |
Policies
This covers Insurance policy information from insurance provider records.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID for policy |
| policy_type | string (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 |
| name | string | Name of policy |
| description | string | Description of policy |
| carrier_policy_number | string | Carrier's policy identifier number |
| effective_date | string(date-time) | Policy effective date |
| expiry_date | string(date-time) | Policy expiration date |
| renewal_date | string(date-time) | Policy renewal date |
| canceled_date | string(date-time) | Policy canceled date |
| total_premium_cents | integer | Total policy premium in cents |
| deductible_cents | integer | Commercial policy deductible in cents |
| carrier_name | string | Insurance carrier name |
| status | string (enum) | Insurance policy status Possible values: ACTIVE, CANCELLED, EXPIRED, UNVERIFIED, PENDING_ACTIVATION, PENDING_CANCELLATION |
| dwellings | array | List of dwelling objects |
| vehicles | array | List of vehicle objects |
| commercial_named_insureds | array | List of commercial named insureds |
| claims | array | List of claim objects |
| loss_events | array | List of commercial loss events objects |
| documents | array | List of document objects |
Dwellings
This table is for dwelling information from insurance information verification.
Address
This table covers addresses associated with the insurance information from the insurance provider.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | ID of the dwelling |
| country | string | Country of address |
| street | string | Address street number, name, and unit (if applicable) |
| city | string | City of address |
| state | string | State of address |
| zip | string | Zip 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.
| Name | Type | Description |
|---|---|---|
| name | string(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_cents | integer | Premium paid for coverage item in cents |
| per_person_limit_cents | integer | Per-person limit in cents |
| per_incident_limit_cents | integer | Per-incident limit in cents |
| deductible_cents | integer | Deductible in cents |
| is_declined | boolean | Status of coverage item |
| id | string(uuid) | Unique ID of the dwelling coverage |
Vehicles
The table is for vehicle information from the insurance verification.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the vehicle |
| year | integer | Vehicle year |
| make | string | Vehicle make |
| model | string | Vehicle model |
| series | string | Vehicle series |
| series2 | string | Vehicle series 2 |
| type | string | Vehicle type |
| annual_mileage | integer | Vehicle annual mileage |
| vin | string | Vehicle identification number |
| purchase_date | string(date-time) | Vehicle purchase date |
| is_removed | boolean | Status of vehicle policy |
| lien_holder | string | Vehicle lien holder name |
| garaging_address | object | Address where vehicle is garaged (see Address) |
| lien_holder_address | object | Address of lien holder (see Address) |
| coverages | array | List of vehicle coverage objects (see Coverages) |
| drivers | array | List of driver objects (see Drivers) |
Vehicles: Coverages
The information below covers insurance coverage data for specific vehicles from the insurance verification.
| Name | Type | Description |
|---|---|---|
| name | string(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_cents | integer | Premium paid for coverage item in cents |
| per_person_limit_cents | integer | Per-person limit in cents |
| per_incident_limit_cents | integer | Per-incident limit in cents |
| deductible_cents | integer | Deductible in cents |
| is_declined | boolean | Status of coverage item |
| id | string(uuid) | Unique ID of the vehicle coverage |
| per_day_limit_cents | integer | Per-day limit in cents |
| per_mile_premium_tenth_of_cents | integer | Premium per mile in tenth of cents |
Vehicles: Drivers
The table below covers similar data to Drivers with an additional boolean field.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the driver |
| first_name | string | First name of driver |
| middle_name | string | Middle name of driver |
| last_name | string | Last name of driver |
| drivers_license | string | Driver's license number |
| drivers_license_state | string | State of Driver's license |
| date_of_birth_str | string | Driver's date of birth |
| gender | string(enum) | Driver's gender Possible values: MALE, FEMALE, NONBINARY |
| marital_status | string(enum) | Driver's marital status Possible values: SINGLE, MARRIED, DIVORCED, WIDOWED |
| relationship_to_insured | string(enum) | Relationship to the insured Possible values: INSURED, SPOUSE, BROTHER, SISTER, FATHER, MOTHER, DAUGHTER, SON |
| is_excluded | boolean | Status of Driver excluded from Policy or Vehicle |
Commercial named insureds
The table below is for information about commercial insurance policies from the insurance verification.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the commercial named insured |
| name | string | Name of the insured |
| form_of_business | string(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_code | string | General liability class code |
| sic_code | string | Standard industrial classification code |
| naics_code | string | North American Industry Classification System code |
| fein | string | Federal Employer Identification number |
| ssn | string | Social Security Number |
| is_primary_named_insured | boolean | Status of the insured as the primary |
| address | object | Address of the insured |
Claims
The info below is for insurance claim data from the insurance verification.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the claim |
| dwelling_id | string(uuid) | Unique ID of the dwelling for the related claim |
| vehicle_id | string(uuid) | Unique ID of the vehicle for the related claim |
| driver_id | string(uuid) | Unique ID of the driver for the related claim |
| carrier_claim_identifier | string | The carrier's identifier for the claim |
| date_occurred | string(date-time) | Date the claim occurred |
| type | string(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 |
| status | string(enum) | Claim status Possible values: OPEN, CLOSED |
| date_closed | string(date-time) | Date the claim was closed |
| payout_cents | integer | Payout of the claim in cents |
| representative_name | string | Full name of the claim representative |
| representative_phone | string | Phone number of the claim representative |
| representative_email | string | Email address of the claim representative |
| address | object | Address for the claim location |
Loss events
The table below covers loss event information from the insurance verification.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the loss event |
| date_of_occurrence | string(date-time) | Date the loss event occurred |
| date_of_claim | string | Date of the claim |
| type | string(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_cents | integer | Amount paid in cents |
| amount_reserved_cents | integer | Amount reserved in cents |
| is_subrogation | boolean | Status of subrogation success |
| is_claim_open | boolean | Status of open claim |
Documents
This information below is for insurance document data from the insurance provider.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the document |
| title | string | Title of Document |
| document_type | string(enum) | Type of Document Possible values: INSURANCE_APPLICATION, INSURANCE_BINDER, DECLARATIONS, ENDORSEMENT, INSURANCE_ID_CARD, VERIFICATION_OF_INSURANCE |
| date_added | string(date-time) | Effective date of Document |
| file | string | URL of the document file |
Drivers
The items below are automotive driver information from insurance provider records.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the driver |
| first_name | string | First name of driver |
| middle_name | string | Middle name of driver |
| last_name | string | Last name of driver |
| drivers_license | string | Driver's license number |
| drivers_license_state | string | State of Driver's license |
| date_of_birth_str | string | Driver's date of birth |
| gender | string(enum) | Driver's gender Possible values: MALE, FEMALE, NONBINARY |
| marital_status | string(enum) | Driver's marital status Possible values: SINGLE, MARRIED, DIVORCED, WIDOWED |
| relationship_to_insured | string(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.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the driving record |
| driver_id | string(uuid) | Unique ID of the driver connected to driving record |
| incident_date | string(date-time) | Date the incident occurred |
| incident_type | string(enum) | Incident type Possible values: ACCIDENT, VIOLATION |
| violation_type | string(enum) (nullable) | The violation_type is only available if incident_type = VIOLATIONPossible values: MOVING, SPEEDING, RECKLESS_DRIVING, DRIVING_WITHOUT_VALID_LICENSE, HIT_AND_RUN, DISTRACTED_DRIVING, DRIVING_UNDER_INFLUENCE |
| is_at_fault | boolean (nullable) | Status of driver at fault |
Identity
This data is for policy holder identification information.
| Name | Type | Description |
|---|---|---|
| id | string(uuid) | Unique ID of the policy holder |
| first_name | string | First name of policy holder |
| last_name | string | Last name of policy holder |
| full_name | string | Full name of policy holder |
| middle_initials | string | Middle initials of policy holder |
| string | Email address of policy holder | |
| ssn | string | Social Security Number of policy holder |
| date_of_birth | string | Date of birth of policy holder |
| home_address | object | Home address of policy holder |
Home address
The information below is for the home address from the insurance provider information.
| Name | Type | Description |
|---|---|---|
| zip | string | Zip code of home address |
| city | string | City of home address |
| state | string | State of home address |
| street | string | Home address street number, name, and unit (if applicable) |
| country | string | Country of home address |
Provider
This field contains the name of the insurance provider.
| Name | Type | Description |
|---|---|---|
| provider | string | Insurance provider name |
Updated 4 months ago