added

Coverage Selection Enhancements

New state-based Available Coverages endpoint and experimental Coverage Rules endpoints.

Available Coverages per State

/v3/quoting/market/{state}/coverages/available Get available coverages by state

Released: [2024-10-25]

In addition to the existing Get available coverages endpoint available at /v3/quoting/quote/{quote_id}/coverages/available, there is now a Get available coverages by state endpoint.

For example, a request to /v3/quoting/market/oh/coverages/available will give a cacheable response in the same form that v3/quoting/quote/<quoteIdThatIsQuotingInOH>/coverages/available has given to date.

As of today, these two endpoints will return the same results, but implementers note that the quote specific version of Get available coverages will soon contain information specific to the current state of the quote and so should be taken as a non-cacheable variant.

Coverage Rules

/v3/quoting/quote/{quote_id}/coverages/rules Get coverage rules

/v3/quoting/market/{state}/coverages/rules Get coverage rules by state

Experimentally Released: [2024-10-30]

A pair of new endpoints is under construction (marked (Experimental) as they are subject to change, only OH has an example response currently)

  1. Get coverage rules
  2. Get coverage rules by state

More guides and documentation to come on these endpoints as they are fully implemented. They should not be relied upon in a production integration as of yet. Once stable, these endpoints will be useable in tandem with the Available Coverages endpoints to guide coverage selection through the many state-specific requirements (such as when a pair of coverages must either both be declined or both be selected).

Below is one example UI where the content and behavior are completely driven by the cached API responses from the Coverage Rules and Available Coverages endpoints.

First showing the error message "Uninsured Motorist Property Damage cannot be selected if Collision has already been selected" when attempting to select Collision; then demonstrating the error "Rental coverage cannot be selected if Collision or Comprehensive has been declined" when attempting to select Rental coverage; both error messages and behavior were driven from API responses