The Policy object

First line of the street address, typically including the house number and street name.

Additional address details, such as an apartment, suite, or unit number.

City name of the address.

State of the address.

ZIP or postal code of the address.

Country of the address.

Unique identifier for the Property object.

The type of the insured property.

Available options:

vehicle - Represents a motor vehicle (e.g., car, truck, motorcycle, trailer) insured under the policy.

dwelling - Refers to a residential property (e.g., house, apartment) insured under the policy.

Contains specific details related to the insured property.

A coverage code for the type of insurance coverage present. Each code corresponds to a human-readable label.

Available options for an auto or motorcycle insurance policy:

1. BI - Bodily Injury
2. PD - Property Damage
3. UMBI - Uninsured Motorists Bodily Injury
4. UMPD - Uninsured Motorists Property Damage
5. UIMBI - Underinsured Motorists Bodily Injury
6. UIMPD - Underinsured Motorists Property Damage
7. UUIMBI - Uninsured & Underinsured Motorists Bodily Injury
8. UUIMPD - Uninsured & Underinsured Motorists Property Damage
9. COLL - Collision
10. COMP - Comprehensive

Available options for a home or condo insurance policy:

1. DW - Dwelling
2. OS - Other Structures
3. PP - Personal Property
4. LOU - Loss of Use
5. PL - Personal Liability
6. MED - Medical Expenses

A human-readable name describing the type of insurance coverage provided by the policy. The labels are provided above next to each corresponding coverage code.

The maximum amount the insurance policy will pay for bodily injury or damages sustained by an individual in a covered incident.

The maximum amount the insurance policy will pay for a single accident or claim.

The amount the policyholder must pay out-of-pocket toward a claim before the insurance coverage begins to pay.

Unique identifier of Property afforded coverage. If specified coverage is afforded to all properties on the policy, property will be undefined.

The first name of the insured individual.

The last name of the insured individual.

The role of the insured individual, indicating whether they are the primary policyholder / user or a secondary insured party. Note that this field is in continued development and is subject to modification.

Available options:

primary - The policyholder or primary user of the insured property.

secondary - An additional person insured under the policy, such as an additional driver.

The birth year of the insured individual. This field is only available for select carriers.

The driver’s license number of the insured individual. This field is only available for select carriers.

The state that issued the insured individual’s driver’s license. This field is only available for select carriers.

The current status of the insured individual’s driver’s license. This field is only available for select carriers.

The insured individual’s date of birth in a standard date format. This field is only available for select carriers.

Unique identifier of Property afforded coverage for specified Insured. If Insured is afforded coverage across all properties on the policy, property will be undefined.

The role of the Third Party associated with the insured property. Note that this field is in continued development and is subject to modification.

The Axle Schema currently supports the following Third Party options. See below for details on Axle’s standardization of Third Party type based on data provided by the insurance carrier.

Available options:

lienholder - A financial institution or individual that holds a legal claim on the insured property. This includes mortgagees.

lessor - The owner or leasing company that leases the insured property to the policyholder under a lease agreement. This includes loss payees if the Third Party is also assessed as an Additional Insured.

interest - Any Third Party with a financial interest in the insured property. This option serves as the conservative default used in the following cases:

1. The Third Party is specifically listed as an “additional interest”.
2. The Third Party falls across options (e.g. a Third Party that is both an additional insured and an additional interest).
3. The specific role of the Third Party is uncertain or not clearly defined.

The name of the Third Party.

The address of the Third Party.

Unique identifier of Property for which the specified Third Party is afforded coverage through this policy.

Unique identifier (formatted as filename) for the document.

The origin of the document.

Available options:

carrier - Indicates that the document originated from the insurance carrier.

user - Indicates that the document was uploaded by the user.

The name of the document.

The type of information contained in the document, as specified by carrier or user. A document may have multiple types.

Available options:

declaration-page - A summary document that outlines the key details of the insurance policy, including coverage limits, premiums, and insured parties. This includes renewal policy documents, amended policy documents, and new business documents.

policy-agreement - The formal contract between the insurer and the policyholder that specifies the terms and conditions of the insurance coverage. This includes insurance policy contract documents. Note that this type of document may not always be available.

id-card - An identification card issued by the insurer that serves as proof of insurance coverage and includes relevant policy information for the insured vehicle. This document type is generally only found for auto insurance policies.

Pre-signed url to access document.

If available, ISO 8601 timestamp at which the document was generated or issued by the carrier.

If available, ISO 8601 timestamp at which the document becomes active or goes into effect.

ISO 8601 timestamp at which the document was fetched or shared via Axle.