Proof of Insurance Data
Get proof of active insurance policy for a vehicle by VIN.
Overview
Provides proof of insurance data for customers. The data includes information about the customer’s active insurance policy, insurance provider, policy number, and other related information. The APIs are designed to be easy to use and integrate with other systems.
| Capabilities | Description |
|---|---|
| Proof of Insurance | Retrieve proof of insurance for a vehicle by VIN. |
| Insurance Account | Get the insurance account information for a customer. |
| Insurance Policy | Get the linked insurance policy details for a customer. |
| Webhook Event | Receive a webhook event when a customer verifies their insurance. |
| White Labeled | Retrieve proof of insurance with your company’s branding. |
Get Proof of Insurance
Users can retrieve proof of insurance by VIN.
Send the link https://poi.vin/{VIN} and replace {VIN} with the vehicle’s VIN that the customer needs proof of insurance for.
After a few clicks, they will be prompted to connect their insurance account.
GET https://poi.vin/{VIN}
Get Insurance Account Information.
If a customer has gone through the initial step of verifying their insurance, you can retrieve their insurance account information.
GET https://poi.vin/{VIN}/account/{customerId}
The JSON repsonse essentially contains the customer, account and the policy of that account.
Customer
The customer object contains the following properties:
{
"_id": "f12f2sa1f5e4r4t543t21gds2",
"credentials": "crd__r341561r56f_aZJFRE",
"accountId": "acc_f321sd56f1er65t41g333",
"carrier": "geico",
"email": null,
"firstName": "JOHN",
"lastName": "SMITH",
"phone": null,
"policyId": "pol_4561GT4G45145TG154",
"searchedVin": {
"insured": false,
"vin": "1C4HJXEN5MW592818"
},
"status": "active",
"updatedAt": "2023-05-15T18:01:39.975Z"
}
Account
The account object contains the following properties:
{
"id": "acc_f321sd56f1er65t41g333",
"firstName": "JOHN",
"lastName": "SMITH",
"credentials": "crd__r341561r56f_aZJFRE",
"carrier": "geico",
"connection": {
"status": "active",
"updatedAt": "2023-05-15T18:01:39.975Z"
},
"createdAt": "2023-05-15T18:01:39.975Z",
"modifiedAt": "2023-05-15T18:01:39.975Z",
"refreshedAt": "2023-05-15T18:01:39.975Z",
"policies": ["...policies"]
}
Policy
The policy object contains the following properties:
{
"id": "pol_4561GT4G45145TG154",
"account": "acc_f321sd56f1er65t41g333",
"type": "auto",
"carrier": "geico",
"policyNumber": "12345678 9514",
"isActive": true,
"effectiveDate": "2023-01-10T00:00:00.000Z",
"expirationDate": "2023-07-10T00:00:00.000Z",
"coverages": [
{
"limitPerPerson": 50000,
"code": "BI",
"label": "Bodily Injury",
"limitPerAccident": 100000
},
{
"limitPerPerson": 50000,
"code": "UMBI",
"label": "Uninsured Motorists Bodily Injury",
"limitPerAccident": 100000
},
{
"code": "PD",
"label": "Property Damage",
"limitPerAccident": 25000
},
{
"code": "UMPD",
"label": "Uninsured Motorists Property Damage",
"limitPerAccident": 25000,
"deductible": 200
},
{
"property": "prp_hUSlbIgts8PneYfDeo6_Z",
"code": "COMP",
"label": "Comprehensive",
"deductible": 1000
},
{
"property": "prp_dSVD04Yb2Y3c9qiW_XtZa",
"code": "COMP",
"label": "Comprehensive",
"deductible": 1000
},
{
"property": "prp_tHpyE0S_u1SjfGg3FUhuj",
"code": "COMP",
"label": "Comprehensive",
"deductible": 1000
},
{
"property": "prp_nEThgQ41AOYhAUySWhjKV",
"code": "COMP",
"label": "Comprehensive",
"deductible": 1000
},
{
"property": "prp_hUSlbIgts8PneYfDeo6_Z",
"code": "COLL",
"label": "Collision",
"deductible": 1000
},
{
"property": "prp_dSVD04Yb2Y3c9qiW_XtZa",
"code": "COLL",
"label": "Collision",
"deductible": 1000
},
{
"property": "prp_tHpyE0S_u1SjfGg3FUhuj",
"code": "COLL",
"label": "Collision",
"deductible": 1000
},
{
"property": "prp_nEThgQ41AOYhAUySWhjKV",
"code": "COLL",
"label": "Collision",
"deductible": 1000
}
],
"properties": [
{
"type": "vehicle",
"data": {
"vin": "1FTEF12345678f945",
"model": "F-150 4X4",
"year": "1988",
"make": "FORD"
},
"id": "prp_1f6re51g6er15g6e_Z"
},
{
"type": "vehicle",
"data": {
"vin": "1FMEE5DP1MLB04525",
"model": "BRONCO ADV",
"year": "2021",
"make": "FORD"
},
"id": "prp_tHpyE0S_u1SjfGg3FUhuj"
}
],
"insureds": [
{
"property": "prp_hUSlbIgts8PneYfDeo6_Z",
"firstName": "JOHN",
"lastName": "SMITH",
"type": "primary"
},
{
"property": "prp_dSVD04Yb2Y3c9qiW_XtZa",
"firstName": "JANE",
"lastName": "SMITH",
"type": "primary"
}
],
"createdAt": "2023-05-15T18:01:55.553Z",
"modifiedAt": "2023-05-15T18:01:55.553Z",
"refreshedAt": "2023-05-15T18:01:55.553Z"
}
Get Linked Insurance Policy Details
If a customer has gone through the initial step of verifying their insurance, you can retrieve a their insurance policy details.
GET https://poi.vin/{VIN}/policy/{customerId}
If they have more than one policy your can also retrieve a Policy by ID.
GET https://poi.vin/{VIN}/policy/{policyId}/{customerId}
The JSON repsonse essentially contains the customer and the policy.
NOTE: The customer object is the same as the one returned from the https://poi.vin/{VIN} /account/{customerId} endpoint.
{
"id": "pol_4561GT4G45145TG154",
"account": "acc_f321sd56f1er65t41g333",
"type": "auto",
"carrier": "geico",
"policyNumber": "12345678 9514",
"isActive": true,
"effectiveDate": "2023-01-10T00:00:00.000Z",
"expirationDate": "2023-07-10T00:00:00.000Z",
"address": {
"addressLine1": "123 Main St.",
"addressLine2": "Unit 456",
"state": "Georgia",
"city": "Atlanta",
"postalCode": "30315"
},
"coverages": [
{
"limitPerPerson": 250000,
"code": "BI",
"label": "Bodily Injury",
"limitPerAccident": 500000
},
{
"code": "PD",
"label": "Property Damage",
"limitPerAccident": 100000
},
{
"limitPerPerson": 100000,
"code": "UMBI",
"label": "Uninsured Motorists Bodily Injury",
"limitPerAccident": 300000
},
{
"property": "prp_uSdzLVpi8c76H7kl6AQ-F",
"code": "COMP",
"label": "Comprehensive",
"deductible": 375
},
{
"property": "prp_uSdzLVpi8c76H7kl6AQ-F",
"code": "COLL",
"label": "Collision",
"deductible": 375
}
],
"properties": [
{
"type": "vehicle",
"data": {
"vin": "1FTEF12345678f945",
"model": "F-150 4X4",
"year": "1988",
"make": "FORD"
},
"id": "prp_1f6re51g6er15g6e_Z"
},
{
"type": "vehicle",
"data": {
"vin": "1FMEE5DP1MLB04525",
"model": "BRONCO ADV",
"year": "2021",
"make": "FORD"
},
"id": "prp_tHpyE0S_u1SjfGg3FUhuj"
}
],
"insureds": [
{
"property": "prp_hUSlbIgts8PneYfDeo6_Z",
"firstName": "JOHN",
"lastName": "SMITH",
"type": "primary"
},
{
"property": "prp_dSVD04Yb2Y3c9qiW_XtZa",
"firstName": "JANE",
"lastName": "SMITH",
"type": "primary"
}
],
"thirdParties": [
{
"property": "prp_uSdzLVpi8c76H7kl6AQ-F",
"name": "Super Credit Union",
"address": {
"addressLine1": "PO Box 123456",
"state": "GA",
"city": "Atlanta",
"postalCode": "30348"
},
"type": "lienholder"
},
{
"property": "prp_tmGUxLpgHjmW9r6M6WjhS",
"name": "Super Leasing Trust",
"address": {
"addressLine1": "PO Box 123456",
"state": "GA",
"city": "Atlanta",
"postalCode": "30348"
},
"type": "lessor"
}
],
"createdAt": "2023-01-01T00:00:00.000Z",
"modifiedAt": "2023-05-02T16:00:37.540Z",
"refreshedAt": "2023-03-15T09:14:57.273Z"
}
Recieve a Webhook Event
When a webhook event is triggered, the event will be sent to the webhook URL specified in the inital searchParams when a Customer goes through the verification flow. The event will be sent as a POST request with a JSON body.
White Labeled
NOTE: This feature is only available to paying customers and/or partners. Please reach out to sales@driv.ly to learn more
Retrieve proof of insurance with your company’s branding by adding ?brand=<your company> to the URL.
The experience will be the same as the default experience, but with your company’s branding.
GET https://poi.vin/{VIN}/?brand=acme