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Policies
Coverages
This page provides additional detail about the Axle Schema’s insurance coverage types and highlights key rules and checks used to ensure accurate data. Coverages are provided through the coverages array in Policy objects.
Rules applied to all coverages:
- If both the
limitPerAccidentandlimitPerPersonvalues are provided for a coverage, thelimitPerAccidentvalue must be greater than thelimitPerPersonvalue. - If a specified coverage is afforded to all properties on the policy, the
propertyfield will beundefined.
For standardization purposes, Axle performs opinionated data transformation of insurance carriers’ data into the Axle Schema. As a result, Axle makes certain carrier enumeration inferences to map carrier data into the Axle Schema.
Auto Policy Coverage Types
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $100,000”, the first value representslimitPerPersonand the second value representslimitPerAccident. If there is only a single limit returned, the limit will be recorded aslimitPerAccident. - If the policy returns a combined single limit (CSL) for Bodily Injury and Property Damage, the limit will be set as
limitPerAccidentfor both Bodily Injury and Property Damage coverages.
Suppression checks:
limitPerAccident,limitPerPerson, anddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
BI
Bodily Injury
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $500”, the first value representslimitPerAccidentand the second value represents thedeductible. - If the policy returns a combined single limit (CSL) for Bodily Injury and Property Damage, the limit will be set as
limitPerAccidentfor both Bodily Injury and Property Damage coverages.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
PD
Property Damage
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $100,000”, the first value representslimitPerPersonand the second value representslimitPerAccident. If there is only a single limit returned, the limit will be recorded aslimitPerAccident. - If the policy returns a combined single limit (CSL) for Uninsured Motorists Bodily Injury and Uninsured Motorists Property Damage, the limit will be set as
limitPerAccidentfor both Uninsured Motorists Bodily Injury and Uninsured Motorists Property Damage coverages andlimitPerPersonwill beundefined.
Suppression checks:
limitPerAccidentandlimitPerPersonfields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UMBI
Uninsured Motorists Bodily Injury
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $500”, the first value representslimitPerAccidentand the second value represents thedeductible. - If the policy returns a combined single limit (CSL) for Uninsured Motorists Bodily Injury and Uninsured Motorists Property Damage, the limit will be set as
limitPerAccidentfor both Uninsured Motorists Bodily Injury and Uninsured Motorists Property Damage coverages andlimitPerPersonwill beundefined.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UMPD
Uninsured Motorists Property Damage
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $100,000”, the first value representslimitPerPersonand the second value representslimitPerAccident. If there is only a single limit returned, the limit will be recorded aslimitPerAccident.
Suppression checks:
limitPerAccidentandlimitPerPersonfields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UIMBI
Underinsured Motorists Bodily Injury
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $500”, the first value representslimitPerAccidentand the second value represents thedeductible.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UIMPD
Underinsured Motorists Property Damage
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $100,000”, the first value representslimitPerPersonand the second value representslimitPerAccident. If there is only a single limit returned, the limit will be recorded aslimitPerAccident.
Suppression checks:
limitPerAccidentandlimitPerPersonfields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UUIMBI
Uninsured & Underinsured Motorists Bodily Injury
Rules applied:
- If the carrier returns limits combined as
“$50,000 / $500”, the first value representslimitPerAccidentand the second value represents thedeductible.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
UUIMPD
Uninsured & Underinsured Motorists Property Damage
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
COMP
Comprehensive
Home Policy Coverage Types
Rules applied:
- When the deductible is listed differently based on the type of claim, the deductible associated with covered perils will be returned. This deductible value is often represented as “All Perils”, “All Covered Perils”, or “Other Covered Perils”.
Suppression checks:
- If both the policy
premiumand Dwelling coveragelimitPerAccidentvalues are defined, the Axle Service will ensure that the premium-to-Dwelling-limitPerAccident ratio falls within our set bounds of reasonability. If this ratio is greater than our upper bound, both the policypremiumand Dwelling coveragelimitPerAccidentvalues will be conservatively set tonull. If apremiumvalue exists but no DwellinglimitPerAccidentvalue is present, then thepremiumwill be conservatively set tonull. limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
DW
Dwelling
Rules applied:
- When the deductible is listed differently based on the type of claim, the deductible associated with covered perils will be returned. This deductible value is often represented as “All Perils”, “All Covered Perils”, or “Other Covered Perils”.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
OS
Other Structures
Rules applied:
- When the deductible is listed differently based on the type of claim, the deductible associated with covered perils will be returned. This deductible value is often represented as “All Perils”, “All Covered Perils”, or “Other Covered Perils”.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
PP
Personal Property
Rules applied:
- When the deductible is listed differently based on the type of claim, the deductible associated with covered perils will be returned. This deductible value is often represented as “All Perils”, “All Covered Perils”, or “Other Covered Perils”.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
LOU
Loss of Use
Rules applied:
- Only a
limitPerAccidentorlimitPerPersonvalue can exist on this coverage but not both.
Suppression checks:
limitPerAccidentanddeductiblefields contain certain min / max value thresholds used to suppress inaccurate or nonsensical data.
Fields
MED
Medical Expenses