Why is my quote status going back to "collecting_data" after finalizing?

After you finalize a quote, you should expect to see the following in the response for the Finalize quote endpoint if it was successful:

{
  "quote": {
    "id": "<uuid>",
    "status": "quoting",
    "kind": "finalized_quote",
    // ...
  },
  // ...
}

And you should expect to see the "quoting" status and the "finalized_quote" kind until rating has completed for the quote when polling our Get quote endpoint.

When we rate the quote, we will order reports. This includes the prefill report, and we may attach prefill-discovered drivers automatically to the profile with the status "Undecided". Therefore, we may un-finalize the quote in order to require an explicit decision for these drivers before we will rate the quote again.

This results in a response like the following from our Get quote endpoint, which now contains a status of "collecting_data":

{
  "quote": {
    "id": "<uuid>",
    "status": "collecting_data",
    "kind": "none",
    // ...
    "profile": {
      // ...
      "drivers": [
        {
          "id": {
            "value": "<uuid>",
            // ...
          },
          // ...
          "status": {
            "value": "Covered",
            "valid": true,
            // ...
          },
          "prefillDriverId": {
            "value": "<prefill_driver_id_matched_for_existing_driver>",
            // ...
          },
          // ...
        },
        // ...
        {
          "id": {
            "value": "<id_for_prefill_discovered_driver>",
            // ...
          },
          // ...
          "status": {
            "value": "Undecided",
            "valid": false,
            // ...
          },
          "prefillDriverId": {
            "value": "<prefill_id_for_prefill_discovered_driver>",
            // ...
          },
          // ...
        },
        // ...
      ]
      // ...
    }
  },
  // ...
  "finalizable": false
}

Therefore, to continue with this quote, you must ensure that a decision is made for each prefill-discovered driver which was auto-attached to the quote's profile. You can do this by updating the quote using our Update quote endpoint or our Patch quote endpoint with a status of "Covered", "Excluded", or "Not in household" for each driver. Note: You must ensure that the driver ID matches the ID from the Get quote response (as shown in the example above with <id_for_prefill_discovered_driver>)

{
  "profile": {
    // ...
    "drivers": [
      {...},
      // ...
      {
        "id": "<id_for_prefill_discovered_driver>",
        "status": "Covered"/"Excluded"/"Not in household",
        "prefillDriverId": "<prefill_id_for_prefill_discovered_driver>" // Optional (id is sufficient)
        // ...
      },
      // ...
    ],
    // ...
  },
  // ...
}

If you are updating the status of the to "Covered" for the driver, please ensure that all required fields are populated as well. We will continue to block rating until all validation errors (e.g. where you see "valid": false in the Get quote endpoint response) are addressed.

Any prefill-discovered drivers which are not explicitly included in any of your subsequent quote update requests for the quote will still remain on the quote's profile, since Root may require a decision for all prefill-discovered drivers before allowing the quote to be finalized.