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Added

Attested Insurance History

8 months ago by Root Insurance

We have enhanced quoting endpoints to accept insurance 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:

  • currentlyInsured (boolean) - Indicates whether the policy holder is currently insured.
  • mostRecentPolicy (object) - Contains details about the policy holder's most recent insurance policy.
    • monthsWithCarrier (integer) – The number of months the policy holder has been with their most recent insurance carrier.
    • continuousMonthsInsured (integer) – The number of months the policy holder has been continuously insured without any gaps.
    • expirationDate (date) – The expiration date of the policy holder's most recent insurance policy.
    • premiumInCents (integer) – The premium amount for the policy holder's most recent policy, in cents.
    • termLengthInMonths (integer) – The length of the policy term in months.
    • coverages (object) - Contains details about the policy holder's most recent insurance policy coverages.
      • bi (object) - Contains details about the policy holder's most recent insurance policy Bodily Injury coverage.
        • per_occurrence (integer) – The per occurrence limit for this coverage.
        • per_person (integer) – The per person limit for this coverage.
      • bi_pd_combined (object) - Contains details about the policy holder's most recent insurance policy Bodily Injury And Property Damage coverage.
        • per_occurrence (integer) – The per occurrence limit for this coverage.
        • per_person (integer) – The per person limit for this coverage.
  • uninsuredInLastYear (object) - Contains details about any periods of time when the policy holder was uninsured in the last year.
    • reasonUninsured (string) - The reason the policy holder was uninsured. The reason options that we have defined currently are (Note: This list of reasons is not exhaustive and may be updated as we identify additional reasons.):
      • never_insured
      • cancelled
      • overseas
    • daysUninsured (string) - The range of days the policy holder was uninsured in the last year. The days uninsured options that we have defined currently are:
      • 0-31
      • 32-90
      • 91-180
      • 180+

Default behavior: For the insuranceHistory 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 insuranceHistory as an optional attribute on the profile.

Example of Providing the Policy Holder's Insurance History (insuranceHistory)

{
  "profile": {
    "insuranceHistory": {
      "currentlyInsured": true,
      "mostRecentPolicy": {
        "monthsWithCarrier": 18,
        "continuousMonthsInsured": 18,
        "expirationDate": "2023-03-01",
        "premiumInCents": 60400,
        "termLengthInMonths": 6,
        "coverages": {
          "bi": {
            "perOccurrence": 100000,
            "perPerson": 50000
          },
          "biPdCombined": {
            "perOccurrence": 100000,
            "perPerson": 50000
          }
        }
      },
      "uninsuredInLastYear": {
        "reasonUninsured": "cancelled",
        "daysUninsured": "32-90"
      }
    },
    // ...
  }
}

Response Structure for insuranceHistory

This sample response represents a detailed structure of data that can be provided for the policy holder's attested insurance 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": {
      "insuranceHistory": {
        "currentlyInsured": {
          "value": true,
          "valid": true,
          "message": "",
          "requirements": [{
            "fulfilled": true,
            "kind": "inclusion",
            "message": "",
            "metadata": {
              "options": [true, false]
            }
          }]
        },
        "mostRecentPolicy": {
          "monthsWithCarrier": {
            "value": 18,
            "valid": true,
            "message": "",
            "requirements": []
          },
          "continuousMonthsInsured": {
            "value": 18,
            "valid": true,
            "message": "",
            "requirements": []
          },
          "expirationDate": {
            "value": "2023-03-01",
            "valid": true,
            "message": "",
            "requirements": []
          },
          "premiumInCents": {
            "value": 60400,
            "valid": true,
            "message": "",
            "requirements": []
          },
          "termLengthInMonths": {
            "value": 6,
            "valid": true,
            "message": "",
            "requirements": []
          },
          "coverages": {
            "bi": {
              "perOccurrence": {
                "value": null,
                "valid": true,
                "message": null,
                "requirements": []
              },
              "perPerson": {
                "value": null,
                "valid": true,
                "message": null,
                "requirements": []
              }
            },
            "biPdCombined": {
              "perOccurrence": {
                "value": null,
                "valid": true,
                "message": null,
                "requirements": []
              },
              "perPerson": {
                "value": null,
                "valid": true,
                "message": null,
                "requirements": []
              }
            }
          }
        },
        "uninsuredInLastYear": {
          "reason": {
            "value": "cancelled",
            "valid": true,
            "message": "",
            "requirements": [{
              "fulfilled": true,
              "kind": "inclusion",
              "message": "",
              "metadata": {
                "options": ["cancelled", "overseas", etc.]
              }
            }]
          },
          "daysUninsured": {
            "value": "32-90",
            "valid": true,
            "message": "",
            "requirements": [{
              "fulfilled": true,
              "kind": "inclusion",
              "message": "",
              "metadata": {
                "options": ["0-31", "32-90", "91-180", "180+"]
              }
            }]
          }
        }
      },
      // ...
    }
  }
}

Snippet of Validation Errors Related to insuranceHistory

In the event a provided insuranceHistory 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": {
      "insuranceHistory": {
          "uninsuredInLastYear": {
            "daysUninsured": {
              "value": "20",
              "valid": false,
              "message": "Value is not an allowed value",
              "requirements": [
                {
                  "fulfilled": false,
                  "kind": "inclusion",
                  "message": "Value is not an allowed value",
                  "metadata": {
                    "options": [
                      "0-31",
                      "32-90",
                      "91-180",
                      "180+"
                    ]
                  }
                }
              ]
            }
          }
      }
    }
  }
}