Understanding quote statuses

Quote statuses describe the current state of a quote request. Not every status represents an error.

collecting_data or requirements_not_met — Additional information is required before Root can continue.
quoting — Root is processing the quote.
quoted — Root has completed the applicable quote calculation.
estimate_not_available — Root cannot provide an estimated price at this stage, but the customer may still be able to continue toward a final quote.
underwriting_pending — Root has not yet reached a final underwriting decision.
underwriting_declined — Root has determined that the quote cannot proceed under the current information.
errored — Root could not complete the current quote operation.

Continue polling while a quote is in a processing status. If a quote reaches a terminal status, follow the instructions associated with that status.

estimate_not_available

This status occurs when Root does not provide an estimated rate during the early quoting process (RC1). Root expects that this quote is likely to be underwriting declined later in the quoting process. In order to stop increased friction after having a customer/agent enter all of their information, we fail the quote earlier.

If you receive a quote with "status": "estimate_not_available" you can treat it as a terminal state. Root won't provide an estimate.

Change Log: New Quote Status: estimate_not_available

Possible causes:

Market or eligibility restrictions — The customer's market, location, profile, or vehicle information may not be eligible for an estimated price.
Underwriting-related screening — Information collected early in the quote may indicate that Root is unlikely to approve the quote later in the process.
Partner or product configuration — Availability may vary depending on the partner integration and product configuration.

The status does not identify which specific rule caused the estimate to be withheld. Please review the quote response for available requirements and correct any incomplete information before continuing.

underwriting_pending

This status means that Root has not yet reached a final underwriting decision or the quote application is currently under review. A pending decision is not the same as an underwriting decline.

In order to make a final decision, complete any remaining underwritingRequirements that require action or wait until the retryAt date before continuing.

underwriting_declined

This status means that Root has completed an underwriting evaluation and determined that the quote cannot proceed with the current information.

This is a final underwriting outcome for the current quote attempt. Small changes to the customer's information may not result in an approved quote.

Possible causes:

Market availability — Root may not currently offer coverage in the requested market.
Driver or customer eligibility — The customer's profile or driving history may not meet Root's underwriting requirements.
Vehicle eligibility — The vehicle's type, use, age, value, weight, or identification information may not meet the requirements for the requested market.
Overall underwriting risk — The combined customer, driver, vehicle, and policy information may fall outside Root's underwriting criteria.

Review the underwritingRequirements response field for details about the specific decline reasons.

errored

This status means that Root could not complete the current quote operation.

Possible causes:

Incomplete or invalid information — Required information may be missing or inconsistent.
A newer quote update superseded the request — The current quote attempt may no longer be the active request.
Account or quoting processing issue — Root may have been unable to complete an account, rating, or quote-processing step.
Temporary service issue — An unexpected problem may have interrupted processing.

Correct any validation issues shown in the response and retry the appropriate quote operation. Errored is not the same as underwriting_declined; it indicates that processing did not complete rather than communicating a final underwriting decision.

Carrier Error: “unauthorized”

This error indicates that authentication failed. This could be caused by a missing or expired agency access token.

In the scenario that the token is missing, you can generate a new token.

You will need to hit our authentication endpoint with the integration secret key (ISK) as the bearer token and the agent email or token reference (in the request body) in order to generate an agency access token (JWT), which in turn should be used as the bearer token for creating/updating the quote.

Please review our API authentication guide: https://root-bind-api.readme.io/docs/authentication-guide

In the scenario that the short lived access token has expired (after ~24 hours), you can hit the refresh endpoint.

Refresh token: https://root-bind-api.readme.io/reference/refreshtoken

customerConsentTimestamp: Customer consent timestamp is required

customerConsentTimestamp occurs during the FCRA or Fair Credit Reporting Act portion of the quote. This occurs primarily during RC3 (rarely during RC1). It’s a disclaimer saying that the customer is consenting to Root passing their information in order to run reports.

Quote Response Shows missing

'Kind' is the field that will show what type/stage the quote is in. It can either be none, estimate, bindable, or finalized. If it says missing, that means that the quote wasn’t able to get to the RC1 state and there is going to be a reason for that such as the Policyholder Driver ID is missing.

"Error occurred while parsing request parameters"

This error message is expected if the request is not in valid JSON format.

Upload the request JSON file to VSCode or any other approved application in order to verify the JSON formatting.