Risk units on an unverified policy

A risk unit is a thing covered by the policy (other than the policyholder and any additional insureds). The type of risk units on a policy vary based on the type of policy. For example:

  • On a personal auto policy or commercial auto policy, risk units are typically vehicles.
  • On a homeowner's policy, risk units are typically dwellings, other structures on the property (fences, sheds), or items of value in the home (electronics, jewelry).

ClaimCenter policies make use of two types of risk units:

  • Location-based risk units, for risk units that have a fixed location (such as a house)
  • Vehicle risk units, for vehicles

To create a risk unit, use the following endpoints:

  • POST /claim/v1/unverified-policies/{policyId}/location-based-risk-units
  • POST /claim/v1/unverified-policies/{policyId}/vehicle-risk-units

To modify a risk unit, use the following endpoints:

  • PATCH /claim/v1/unverified-policies/{policyId}/location-based-risk-units/{locationBasedRiskUnitId}
  • PATCH /claim/v1/unverified-policies/{policyId}/vehicle-risk-units/{vehicleRiskUnitId}

The information required to create a risk unit can vary with the risk unit type. For example:

  • For vehicle risk units, no information is required.
  • For location-based risk units, you must provide a location.

If a field is not required and not specified, ClaimCenter provides a default value.

The following example creates an unverified policy with a vehicle risk unit.

POST /composite/v1/composite

{
  "requests": [
    {
      "method": "post",
      "uri": "/claim/v1/unverified-policies",
      "body": {
        "data": {
          "attributes": {
            "policyNumber": "unverified-with-vehicle-risk-unit",
            "policyType": {
              "code": "PersonalAuto"
            }
          }
        }
      },
      "vars": [
        {
          "name": "policyId",
          "path": "$.data.attributes.id"
        }
      ]
    },
    {
      "method": "post",
      "uri": "/claim/v1/unverified-policies/${policyId}/vehicle-risk-units",   
      "body": {       
        "data": {
          "attributes": {
          }
        }
      }
    },
    {
      "method": "post",
      "uri": "/claim/v1/claims",
      "body": {
        "data": {
          "attributes": {
            "lossDate": "2021-03-04T07:00:00.000Z",
            "policyNumber": "unverified-with-vehicle-risk-unit"
            }            
          }
        }
    }
  ]
}