How is attested information used to estimate quote prices?

Root utilizes a variety of 3rd-party reports to supply additional customer and vehicle information, after a customer has provided consent and signaled an intent to purchase.

Due to this information being requested down-funnel, report contents can have a significant impact on a previously estimated price in isolated situations (due to insurance history, detected violations, etc). To mitigate possibilities of any jarring price changes, Root allows integrations to supply a subset of more commonly known historical inputs to be used in quote estimation.

Integration-supplied values will never override a vendor report used to generate bindable quotes.

Available "Self-Attested" Attributes:

Estimation Input Entity Property Usage Explanation Usage Expectation

Credit History*

Driver

Estimation Input	Entity	Property	Usage Explanation	Usage Expectation
Credit History*	Driver	`credit`	Once an integration has coordinated on credit bands with their account manager, you may supply per-driver indications of `excellent`, `good`, `average`, or `poor` credit. Self-attested information will only be used as a fallback if vendor-sourced information is unknown.	Providing a credit indicator will lower an estimated price if better than the market's default, as well as raise a price if poorer.
Incident History	Profile	`incidentHistory`	Provide a incident history `summary` object, where integrations may provide counts of accidents, violations/tickets, and comprehensive claims, as well as the look-back period for supplied information: `"summary": { "accidentCount": 0, "comprehensiveClaimCount": 0, "violationAndTicketCount": 0, "lookBackPeriodInYears": 2 }` Driver-level incident history will only apply to the Primary Named Insured driver.	Greater numbers of accidents and violations/tickets versus market defaults will raise estimated premiums. Comprehensive claim count & look-back period information are currently being captured for analysis, but are unused during estimation.
Insurance History	Profile	`insuranceHistory`	Provide information about the customer's current and recent insured statuses, as well as details about their most recent policy: `"currentlyinsured": {...}, "mostRecentPolicy": {...}, // Only provide uninsured object if 'currentlyInsured' is false "uninsuredInLastYear": {...}`	Providing insurance history details will raise an estimated price if the customer is uninsured or recently uninsured. Inputs are mapped into three buckets during estimation, so incremental adjustments may have limited effect: Currently insured Policy lapsed within last month Policy lapsed more than one month ago

credit

Once an integration has coordinated on credit bands with their account manager, you may supply per-driver indications of excellent, good, average, or poor credit.

Self-attested information will only be used as a fallback if vendor-sourced information is unknown.

Providing a credit indicator will lower an estimated price if better than the market's default, as well as raise a price if poorer.

Incident History

Profile

incidentHistory

Provide a incident history summary object, where integrations may provide counts of accidents, violations/tickets, and comprehensive claims, as well as the look-back period for supplied information:

"summary": {
  "accidentCount": 0,
  "comprehensiveClaimCount": 0,
  "violationAndTicketCount": 0,
  "lookBackPeriodInYears": 2
}

Driver-level incident history will only apply to the Primary Named Insured driver.

Greater numbers of accidents and violations/tickets versus market defaults will raise estimated premiums.

Comprehensive claim count & look-back period information are currently being captured for analysis, but are unused during estimation.

Insurance History

Profile

insuranceHistory

Provide information about the customer's current and recent insured statuses, as well as details about their most recent policy:

"currentlyinsured": {...},
"mostRecentPolicy": {...},
// Only provide uninsured object if 'currentlyInsured' is false
"uninsuredInLastYear": {...}

Providing insurance history details will raise an estimated price if the customer is uninsured or recently uninsured.

Inputs are mapped into three buckets during estimation, so incremental adjustments may have limited effect:

Currently insured
Policy lapsed within last month
Policy lapsed more than one month ago

*Self-attested inputs marked with an asterisk require coordination with your account manager