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.

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.

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.

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

Dwellings: Mortgagees

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

Name

Type

Description

id

string

ID of mortgagee

name

string

Name of mortgagee

type

string

Type of mortgagee
FIRST SECOND THIRD

loan_number

string

Mortgage loan number

address

object

Address 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.

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 = VIOLATION

Possible 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.

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