# Overview

## Auto Insurance Webhook

This webhook delivers **auto insurance policy data** when new declaration page is uploaded.\
It provides details about the policy, insured drivers, covered vehicles, coverages, discounts, billing, and insurer contact information.

***

### 🔑 Key Sections in the Payload

#### Document Link

Includes a secure link to the client-uploaded document. The link expires within one hour in accordance with security requirements.

#### Policy Information

* Provider and policy number
* Policy type, term, and effective dates
* Premium and billing details
* Change history (e.g., premium adjustments)

#### Drivers

* Policyholder and listed drivers
* Date of birth and relationship to policyholder

#### Vehicles

* Vehicle details (make, model, year, VIN)
* Usage and location
* Coverage types, limits, premiums, and deductibles

#### Discounts

* Safe driver, multi-policy, early quote, etc.

#### Endorsements

* Special provisions, liability, medical payments, uninsured motorist coverage, etc.

#### Policyholder

* Name and contact details
* Address
* Rating information (e.g., accident-free years)

#### Insurer Information

* Company name and contact numbers
* Agent details (if available)
* Claims and service phone numbers

***

### 📦 Example Payload

```json
{
  "topic": "client-submission",
  "data": {
    "document_link": "https://s3.us-east-2.amazonaws.com/xxxx",
    "policy": {
      "provider": "TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY",
      "policy_number": "607695134 203 1",
      "policy_type": "Auto",
      "policy_term": "12 months",
      "coverage_period": {
        "start_date": "2021-10-16",
        "end_date": "2022-10-16"
      },
      "annual_policy_premium": 1007
    },
    "drivers": [
      {
        "name": "CECILY",
        "date_of_birth": "1958-06-12",
        "relationship_to_policyholder": "Self"
      }
    ],
    "vehicles": [
      {
        "vin": "YV4952DL2E2549538",
        "make": "VOLVO",
        "year": 2014,
        "model": "XC60 3.2",
        "usage": "Pleasure",
        "coverages": [
          {
            "type": "Bodily Injury",
            "limits": "250000/500000",
            "premium": 471,
            "deductible": 0
          }
        ]
      }
    ],
    "discounts": [
      {
        "type": "Safe Driver Discount",
        "description": "5 Years Accident and Violation Free"
      }
    ],
    "policyholder": {
      "name": "CECILY SAPP CARTER SAPP",
      "address": {
        "street": "4286 CABRETTA DR SE",
        "city": "SMYRNA",
        "state": "GA",
        "zip": "30080-6479"
      }
    },
    "insurer_information": {
      "company_name": "TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY",
      "claims_phone": "1.800.252.4633",
      "service_phone": "1.800.842.5075"
    }
  }
}
```


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.insurgrid.com/data-webhook-page/webhooks/data-format/auto/overview.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.