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Added

Attested Incident History

8 months ago by Root Insurance

We have enhanced quoting endpoints to accept incident history information for the primary driver (policy holder) as optional data that may improve early rating accuracy.

The fields that have been defined currently are:

  • summary (object) - Contains details about the incident history associated with the policy holder.
    • accidentCount (integer) – The number of accidents the policy holder has had within the look-back period.
    • comprehensiveClaimCount (integer) – The number of comprehensive claims the policy holder has had within the look-back period.
    • lookBackPeriodInYears (integer) – The number of years evaluated for the policy holder's incident history. (Note: It is more helpful to provide a minimum of three years of incident history for the policy holder.)
    • violationAndTicketCount (integer) – The number of violations and tickets the policy holder has had within the look-back period.

Default behavior: For the incidentHistory fields, the system is designed to process the information provided and ensure a seamless experience. If certain fields are not available, leave those field empty; none are required.

Affected Endpoints

What Changed

We added incidentHistory as an optional attribute on the profile.

Example of Providing the Policy Holder's Incident History (incidentHistory)

{
  "profile": {
    "incidentHistory": {
      "summary": {
        "accidentCount": 0,
        "comprehensiveClaimCount": 1,
        "lookBackPeriodInYears": 3,
        "violationAndTicketCount": 5,
      }
    },
    // ...
  }
}

Response Structure for incidentHistory

This sample response represents a detailed structure of data that can be provided for the policy holder's attested incident history. If specific fields are not included in the request, their value will be null, but the response will still include the full structure along with validation details (valid, message, and requirements):

{
  "quote": {
    "profile": {
      "incidentHistory": {
        "summary": {
          "accidentCount": {
            "value": null,
            "valid": true,
            "message": null,
            "requirements": [
              {
                "fulfilled": true,
                "kind": "number_range",
                "message": null,
                "metadata": {
                  "min": 0,
                  "max": 100
                }
              }
            ]
          },
          "comprehensiveClaimCount": {
            "value": null,
            "valid": true,
            "message": null,
            "requirements": [
              {
                "fulfilled": true,
                "kind": "number_range",
                "message": null,
                "metadata": {
                  "min": 0,
                  "max": 100
                }
              }
            ]
          },
          "lookBackPeriodInYears": {
            "value": null,
            "valid": true,
            "message": null,
            "requirements": [
              {
                "fulfilled": true,
                "kind": "number_range",
                "message": null,
                "metadata": {
                  "min": 1,
                  "max": 100
                }
              }
            ]
          },
          "violationAndTicketCount": {
            "value": null,
            "valid": true,
            "message": null,
            "requirements": [
              {
                "fulfilled": true,
                "kind": "number_range",
                "message": null,
                "metadata": {
                  "min": 0,
                  "max": 1000
                }
              }
            ]
          }
        }
      },
      // ...
    }
  }
}

Snippet of Validation Errors Related to incidentHistory

In the event a provided incidentHistory field is not allowed, the response will include "valid": false, a displayable "message" attribute for the user, and a "requirements" attribute denoting the available options. Example below:

{
  "quote": {
    "profile": {
      "incidentHistory": {
        "summary": {
          "accidentCount": {
            "value": 101,
            "valid": false,
            "message": "Value must be between 0 and 100",
            "requirements": [
              {
                "fulfilled": false,
                "kind": "number_range",
                "message": "Value must be between 0 and 100",
                "metadata": {
                  "min": 0,
                  "max": 100
                }
              }
            ]
          }
        }
      }
    }
  }
}