Quotes with a status of underwriting_pending or underwriting_declined  will now include additional information about what specific requirements must be met before the quote can be fully underwritten. These requirements can be found in the underwritingRequirements fields on the quote's profile, driver, and vehicle objects

Affected Endpoints

• Create quote
• Patch quote
• Update quote
• Get quote

Sample Response

{
  quote: {
    profile: {
      underwritingRequirements: [
        {
          type: "manual_review",
          description: "Underwriting file under review. An update is expected by 2026-10-03.",
          actionRequired: "retry",
          retryAt: "2026-10-03T23:59:59"
        }
      ]
    }
  }
}

Migration Notes

• This is a backwards compatible change, meaning no updates are required. This information is optional and is meant to improve the user experience.
• This change will roll out over time. If you don't see underwriting requirements immediately and would like to, you may contact your Account Manager.