Implementing Insurance Verification Solutions

The guide below covers configuring and connecting your users in your Truv Insurance Verification workflow.

Overview

Use the steps in the guide below to integrate Truv Insurance Verification in your application.

Summary of the sequence diagram

The diagram below shows an overview of token and data exchanges. The sequence covers your application, Truv Bridge, your server and backend, as well as the Truv API. View the Steps section to get started.

  1. Request a bridge_token value from your backend.
  2. On your backend server, create a user and request a bridge token from Truv's API.
  3. Initialize Truv Bridge in your application and pass the bridge_token to TruvBridge.init.
  4. When a user successfully connects their account, it generates a public_token. Truv Bridge hands off the public_token to the client through the onSuccess callback.
  5. After the connection status changes, webhook events begin to arrive.
  6. Exchange the temporary public_token for a permanent link_id.
  7. Make an API request to Truv to get the data.

Authentication

πŸ“˜

Note

Requests to Truv APIs must use HTTPS with TLS 1.2v encryption or higher.

All API requests require the X-Access-Client-Id and X-Access-Secret headers. These contain your Client ID and Access secret. These values are in your Truv Dashboard.

🚧

Warning

The Client ID and Access secret may allow access to sensitive information. Store these in a secure and private place.

For API requests, the base URL https://prod.truv.com/v1/ is the same in each environment. Update the access key with the prefixes below for use with their respective environments.

  • sandbox
  • dev
  • prod

Steps

The steps below cover each action for setting up your Truv workflow.

1. Create a User and request a Bridge Token

Create a User in the Truv backend to link different data providers. See the sample cURL request below.

curl --request POST \
     --url https://prod.truv.com/v1/users/ \
     --header 'X-Access-Client-Id: {{client_id}}' \
     --header 'X-Access-Secret: {{access_key}}	' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
     "external_user_id": "12345",
     "first_name": "John",
     "last_name": "Doe",
     "email": "[email protected]",
     "phone": "+14155554193",
     "ssn": "222233333"
}
'

🚧

Warning

The Truv backend only allows a single user for each account in your system. However, a User may have connected with multiple Bridge Tokens and data providers. Store Truv’s User ID and related information in your database.

Create a Bridge Token for the User and include product_type = insurance in the configuration. View the cURL sample below.

curl --request POST \
     --url https://prod.truv.com/v1/users/{user_id}/tokens/ \
     --header 'X-Access-Client-Id: {{client_id}}' \
     --header 'X-Access-Secret: {{access_key}}	' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
     "product_type": "insurance",
     "tracking_info": "any data for tracking current connection"
}
'

2. Initiate Truv Bridge

Using the Bridge Token, initialize the Truv Bridge in your user interface. Follow the example below and pass the Bridge Token to TruvBridge.init.

<script src="https://cdn.truv.com/bridge.js"></script>
<script>
  // Step 2 - Call your back end to retrieve a bridge_token from truv
  const bridgeToken = <%= Value returned by API call to acquire bridge_token %>

  // Step 3 - Initialize Bridge
  const bridge = TruvBridge.init({
        bridgeToken: bridgeToken.bridge_token,
    })
</script>

3. Test Credentials

Test your implementation using sample credentials. Refer to Testing or view the sample usernames and passwords below.

UsernamePasswordDescription
goodlogingoodpasswordSingle-factor authentication happy flow
error.userlogin_errorIncorrect login and password
error.usermfa_errorIssue with multi-factor authentication
error.useraccount_lockedLocked account. Needs to be unlocked via insurance provider
error.userno_dataNo data found in the insurance account
error.userunavailableInsurance provider is going through maintenance and isn't available
anyanyLogin error

4. Exchange tokens

When Users connect their accounts successfully, it creates a public_token. The Bridge hands off the public_token to the client. This uses the onSuccess callback after a user has successfully created a Link.

πŸ“˜

Note

The public_token expires after six hours.

Exchange the temporary public_token for a permanent link_id with the Exchange Tokens endpoint. The public_token is invalidated after exchanging for a link_id. View the sample JSON values below.

{
  "access_token": "48427a36d43c4d5aa6324bc06c692456",
  "link_id": "24d7e80942ce4ad58a93f70ce4115f5c",
  "link_hash": "bc917458a3da4b2c8cc8282aa1707aaa"
}

5. Monitor webhooks

Webhooks to your server can help monitor and notify you of Task status changes. Use link_id or task_id to match the webhook events with Link connections.

{
    "webhook_id": "609a82aab21e4d9ba2569f35e9e8f26a",
    "event_type": "task-status-updated",
    "updated_at": "2021-04-26T13:02:20.369267+00:00",
    "task_id": "67f2924530564282bbaf6d27655e94a4",
    "link_id": "64f8e374949c4b769706028022626bf1",
    "product": "insurance",
    "tracking_info": "27266f35-bb54-44c3-8905-070641a0c0aa",
    "status": "login"
}

6. Retrieve data

Use the permanent access_token to generate an Insurance Report. The JSON data below contains a sample payload.

{
  "id": "24d7e80942ce4ad58a93f70ce4115f5c",
  "status": "done",
  "finished_at": "2021-04-06T11:30:00Z",
  "access_token": "48427a36d43c4d5aa6324bc06c692456",
  "tracking_info": "user123456",
  "insurance": {
    "policies": [
      {
        "id": "53c5ce0d-fb79-4f1c-bc27-32181b368fc7",
        "policy_type": "AUTO",
        "name": "AUTO AU192837",
        "description": "Effective 11/03/2021 - 11/03/2022",
        "carrier_policy_number": "HO132654",
        "effective_date": "2021-11-03T00:00:00Z",
        "expiry_date": "2021-11-03T00:00:00Z",
        "renewal_date": "2021-11-03T00:00:00Z",
        "canceled_date": "2021-11-03T00:00:00Z",
        "total_premium_cents": "150319",
        "deductible_cents": 0,
        "carrier_name": "progressive",
        "status": "ACTIVE",
        "dwellings": [
          {
            "id": "b7a53a67-7266-42b6-a20e-97e8fc723bbc",
            "address": {
              "id": "a497f96b-94be-443e-88bb-c8289085c922",
              "country": "US",
              "street": "344 Clinton St, Apartment 3D",
              "city": "Brooklyn",
              "state": "NY",
              "zip": "11231"
            },
            "coverages": [
              {
                "name": "COMPREHENSIVE",
                "premium_cents": 18514,
                "per_person_limit_cents": 0,
                "per_incident_limit_cents": 0,
                "deductible_cents": 50000,
                "is_declined": true,
                "id": "b9087b71-c1b1-482d-be9f-92a2cf81fbb3"
              }
            ]
          }
        ],
        "vehicles": [
          {
            "id": "26a4ce3a-0b9f-4c3d-96c0-1c76529e3b52",
            "year": 2010,
            "make": "CHEVROLET",
            "model": "Camaro",
            "series": "ZL1",
            "series2": "string",
            "type": "PASSENGER CAR",
            "annual_mileage": 26000,
            "vin": "1G1FK1R62J0158884",
            "purchase_date": "2010-10-02T12:00:00.000Z",
            "is_removed": true,
            "lien_holder": "Manhattan Bank",
            "garaging_address": {
              "id": "a497f96b-94be-443e-88bb-c8289085c922",
              "country": "US",
              "street": "344 Clinton St, Apartment 3D",
              "city": "Brooklyn",
              "state": "NY",
              "zip": "11231"
            },
            "lien_holder_address": {
              "id": "a497f96b-94be-443e-88bb-c8289085c922",
              "country": "US",
              "street": "344 Clinton St, Apartment 3D",
              "city": "Brooklyn",
              "state": "NY",
              "zip": "11231"
            },
            "coverages": [
              {
                "name": "COMPREHENSIVE",
                "premium_cents": 18514,
                "per_person_limit_cents": 0,
                "per_incident_limit_cents": 0,
                "deductible_cents": 50000,
                "is_declined": true,
                "id": "111da3f8-20b0-4839-81d7-6473437e493e",
                "per_day_limit_cents": 0,
                "per_mile_premium_tenth_of_cents": 0
              }
            ],
            "drivers": [
              {
                "id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
                "first_name": "John",
                "middle_name": "Joseph",
                "last_name": "Doe",
                "drivers_license": "SUP1234012",
                "drivers_license_state": "DC",
                "date_of_birth_str": "05/03/1988",
                "gender": "MALE",
                "marital_status": "SINGLE",
                "relationship_to_insured": "INSURED",
                "is_excluded": true
              }
            ]
          }
        ],
        "commercial_named_insureds": [
          {
            "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
            "name": "Sample Business LLC",
            "form_of_business": "INDIVIDUAL",
            "gl_code": "10010",
            "sic_code": "6411",
            "naics_code": "524210",
            "fein": "123456789",
            "ssn": "123456789",
            "is_primary": true,
            "address": {
              "id": "a497f96b-94be-443e-88bb-c8289085c922",
              "country": "US",
              "street": "344 Clinton St, Apartment 3D",
              "city": "Brooklyn",
              "state": "NY",
              "zip": "11231"
            }
          }
        ],
        "claims": [
          {
            "id": "",
            "dwelling_id": "",
            "vehicle_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
            "driver_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
            "carrier_claim_identifier": "string",
            "date_occurred": "2022-11-20T21:26:48.908Z",
            "type": "WIND_AND_HAIL_DAMAGE",
            "status": "OPEN",
            "date_closed": "2022-05-03T00:00:00Z",
            "payout_cents": 180111,
            "representative_name": "string",
            "representative_phone": "string",
            "representative_email": "string",
            "address": {
              "id": "a497f96b-94be-443e-88bb-c8289085c922",
              "country": "US",
              "street": "344 Clinton St, Apartment 3D",
              "city": "Brooklyn",
              "state": "NY",
              "zip": "11231"
            }
          }
        ],
        "loss_events": [
          {
            "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
            "date_of_occurrence": "2022-05-03T00:00:00Z",
            "date_of_claim": "2022-05-03T00:00:00Z",
            "type": "BURGLARY_AND_THEFT",
            "amount_paid_cents": 123323,
            "amount_reserved_cents": 0,
            "is_subrogation": true,
            "is_claim_open": true
          }
        ],
        "documents": [
          {
            "id": "55ad7bb6-f5a3-4ebf-91fb-2802391eb261",
            "title": "11-03-2021 - Auto - Automobile Policy Renewal Declarations",
            "document_type": "INSURANCE_APPLICATION",
            "date_added": "2022-05-03T00:00:00Z",
            "file": "https://truv-statements.s3.amazonaws.com/insurance/example_file"
          }
        ]
      }
    ],
    "drivers": [
      {
        "id": "8857f648-c6ce-44df-8fa4-78eee16e9bb4",
        "first_name": "John",
        "middle_name": "Joseph",
        "last_name": "Doe",
        "drivers_license": "SUP1234012",
        "drivers_license_state": "DC",
        "date_of_birth_str": "05/03/1988",
        "gender": "MALE",
        "marital_status": "SINGLE",
        "relationship_to_insured": "INSURED"
      }
    ],
    "driving_records": [
      {
        "id": "da9d46ad-8ddb-4b4b-bc7e-7a381a738f7d",
        "driver_id": "da9d46ad-8ddb-4b4b-bc7e-7a381a738f7c",
        "incident_date": "2021-04-23T00:00:00.000Z",
        "incident_type": "ACCIDENT",
        "violation_type": "MOVING",
        "is_at_fault": true
      }
    ]
  },
  "provider": "progressive",
  "identity": {
    "id": "48427a36d43c4d5aa6324bc06c692456",
    "created_at": "2022-06-07T15:00:00Z",
    "updated_at": "2022-06-31T15:00:00Z",
    "first_name": "John",
    "last_name": "Doe",
    "full_name": "John Doe",
    "middle_initials": "K",
    "email": "[email protected]",
    "ssn": "123456789",
    "date_of_birth": "1992-03-03",
    "home_address": {
      "street": "1 Morgan Ave",
      "city": "Los Angeles",
      "state": "CA",
      "zip": "90210",
      "country": "US"
    }
  }
}