--- title: "Retrieve an insurance report" method: GET path: "/v1/links/{link_id}/insurance/report/" tags: ["Insurance Reports"] --- # Retrieve an insurance report `GET /v1/links/{link_id}/insurance/report/` ## Request - Base URL: `https://prod.truv.com` - URL: `https://prod.truv.com/v1/links/{link_id}/insurance/report/` - Auth: API key in header `X-Access-Client-Id` and API key in header `X-Access-Secret` The endpoint returns the Insurance report. ## Query parameters - `show_fraud_reasons` boolean ## Response `200` - InsuranceReport: Data for the insurance report - `id` string, required: Unique ID - `status` string, required: [Request status](https://docs.truv.com/reference/task-livecycle) - `finished_at` string: Time when report was finished - `access_token` string, required: Access token for a Link to payroll provider - `tracking_info` string, nullable, required: Any information passed to the Truv Bridge from a partner - `is_suspicious` boolean: Flag to indicate if the data from the source is suspicious. E.g. fraud detected in uploaded documents or SSN of the user does not match with the data - `fraud_reasons` FraudReason[]: Findings recorded for this link and its tasks. Included only when `show_fraud_reasons=true`. An empty array means no findings are available for this response. - `code` 'editing_software_detected' | 'screenshot' | 'design_software_detected' | 'document_from_online_generator' | 'office_software_detected' | 'scanned_document' | 'suspicious_producer' | 'blocked_text_content' | 'document_type_mismatch' | 'ai_generated_content' | 'invalid_content_credentials' | 'malware_detected' | 'modified_before_creation_date' | 'future_date' | 'modified_after_creation' | 'anomalous_pdf_structure' | 'invalid_date' | 'has_only_images' | 'insufficient_text' | 'content_tampering_suspected' | 'content_diff_between_versions' | 'ssn_mismatch_between_documents' | 'ssn_mismatch_with_applicant' | 'inconsistent_payroll_taxes', required: Machine-readable identifier for the type of finding. - `message` string, required: Human-readable explanation of the finding. - `severity` 'high' | 'medium' | 'low', required: Severity assigned to the finding. This value is not a confidence score. Use the task status to determine the current processing outcome. `high` - finding classified as fraud, `medium` - finding classified as suspicious, `low` - document-quality or validation finding, not a fraud finding. - `document_ids` string[], required: IDs of the documents associated with the finding. Empty when the finding does not refer to a specific document. These are Documents API IDs, which differ from Collections API `document_id` values. - `uploaded_file_ids` string[], required: IDs of the original files uploaded through a document collection. Empty when no associated collection upload is available. One uploaded file may contain multiple recognized documents. - `details` object, required: Additional information about the finding. Available fields depend on the reason code. - `task_id` string, nullable, required: ID of the task associated with the finding. `null` if the finding was recorded directly on the link without an associated task. - `created_at` string, date-time, required: Date and time the finding was recorded, in ISO 8601 format. - `insurance` InsurancePull, required - `policies` InsurancePolicy[]: List of policies - `id` string, uuid: Policy ID - `policy_type` 'AUTO' | 'NAMED_NON_OWNER' | 'CLASSIC_CAR' | 'BOAT' | 'CONDO' | 'FARMOWNER' | 'FLOOD' | 'HOMEOWNERS' | 'LANDLORD' | 'LIFE' | 'MOTORCYCLE' | 'TERM_LIFE' | 'UNIVERSAL_LIFE' | 'WHOLE_LIFE' | 'RENTERS' | 'SNOWMOBILE' | 'UMBRELLA' | 'RECREATIONAL_VEHICLE' | 'FIRE' | 'TRAILER' | 'PERSONAL_ARTICLES' | 'EARTHQUAKE' | 'BUSINESS_OWNERS' | 'COMMERCIAL_UMBRELLA' | 'COMMERCIAL_AUTO' | 'COMMERCIAL_FIRE' | 'COMMERCIAL_AGRIBUSINESS' | 'COMMERCIAL_PACKAGE' | 'COMMERCIAL_PROPERTY' | 'COMBO' | 'OFFROAD_VEHICLE' | 'WORKERS_COMPENSATION' | 'MOBILE_HOME' | 'PET' | 'PERSONAL_LIABILITY' | 'GENERAL_LIABILITY' | 'ERRORS_AND_OMISSIONS' | 'INLAND_MARINE' | 'GARAGE' | 'EXCESS_LIABILITY' | 'CYBER' | 'IDENTITY_THEFT' | 'COMMERCIAL_CRIME' | 'ARTISAN_AND_SERVICE_CONTRACTORS' | 'FARM_POLLUTION_LIABILITY' | 'FARM_UMBRELLA' | 'MANAGEMENT_LIABILITY' | 'GOLF_CART' | 'YACHT' | 'PERSONAL_WATERCRAFT' | 'STANDARD_PROPERTY': Policy type - `name` string: Human-friendly name - `description` string: Human-friendly description - `carrier_policy_number` string: Carrier policy number - `effective_date` string, date-time: Policy effective date - `expiry_date` string, date-time: Policy expiration date - `renewal_date` string, date-time, nullable: Policy renewal date - `canceled_date` string, date-time, nullable: Policy canceled date - `total_premium_cents` integer: Total policy premium in cents - `deductible_cents` integer, nullable: Commercial policy deductible in cents - `carrier_name` string, required: Insurance carrier name - `status` 'ACTIVE' | 'CANCELLED' | 'EXPIRED' | 'UNVERIFIED' | 'PENDING_ACTIVATION' | 'PENDING_CANCELLATION' | 'RESCINDED': Policy status - `paid_in_full` boolean, nullable: Whether the policy is fully paid - `dwellings` InsurancePolicyDwelling[]: List of dwellings - `id` string, uuid, required: Dwelling ID - `address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `replacement_cost_cents` integer, nullable: Replacement cost in cents - `cash_value_cents` integer, nullable: Cash value in cents - `coverages` InsuranceDwellingCoverage[]: List of dwelling coverages - `id` string, uuid, required: Dwelling coverage ID - `name` 'BASE' | 'DWELLING' | 'OTHER_STRUCTURES' | 'PERSONAL_PROPERTY' | 'BUSINESS_PROPERTY' | 'ORDINANCE_OR_LAW' | 'LOSS_OF_USE' | 'LOSS_ASSESSMENTS' | 'PERSONAL_LIABILITY' | 'PREMISES_LIABILITY' | 'REPLACEMENT_COST_FULL_VALUE' | 'REPLACEMENT_COST_DWELLING' | 'REPLACEMENT_COST_CONTENTS' | 'GUEST_MEDICAL_PROTECTION' | 'DAMAGE_TO_PROPERTY_OF_OTHERS' | 'MEDICAL_PAYMENTS' | 'ADDITIONAL_LIVING_EXPENSE' | 'FAMILY_LIABILITY_PROTECTION' | 'BUILDING_CODES' | 'WINDSTORM_OR_HAIL' | 'HURRICANE' | 'ALL_OTHER_PERILS' | 'ALL_PERILS' | 'EARTHQUAKE' | 'FLOOD' | 'PORTABLE_ELECTRONICS' | 'FASHION_ITEMS' | 'FINE_ART' | 'BICYCLE' | 'CAMERA' | 'JEWELRY' | 'MUSICAL_INSTRUMENT' | 'BUILDING' | 'CONTENTS' | 'ICC': Name of coverage item - `premium_cents` integer, nullable, required: Premium paid for coverage item, in cents - `per_person_limit_cents` integer, nullable: Per-person limit, in cents - `per_incident_limit_cents` integer, nullable: Per-incident limit, in cents - `deductible_cents` integer, nullable: Deductible, in cents - `is_declined` boolean, required: If true, this coverage item was declined - `mortgagees` InsuranceDwellingMortgagee[]: List of mortgagee objects - `id` string, uuid, required: ID of the mortgagee - `name` string: Name of the mortgagee - `type` 'FIRST' | 'SECOND' | 'THIRD': The type of mortgagee - `loan_number` string: Loan number of the mortgage - `address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `vehicles` InsurancePolicyVehicle[]: List of vehicles - `id` string, uuid, required: Vehicle ID - `year` integer: Year - `make` string: Manufacturer - `model` string: Model - `series` string: Series - `series2` string, nullable: Series 2 - `type` string: Vehicle type - `annual_mileage` integer, nullable: Annual mileage - `vin` string, required: Vehicle identification number - `purchase_date` string, date-time, nullable: Purchase date - `is_removed` boolean, required: Whether or not the vehicle is excluded from the policy - `lien_holder` string, required: Vehicle lien holder name - `garaging_address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `lien_holder_address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `coverages` InsuranceVehicleCoverage[]: List of vehicle coverages - `id` string, uuid, required: Vehicle coverage ID - `name` 'SINGLE_LIMIT_LIABILITY' | 'BODILY_INJURY_LIABILITY' | 'PROPERTY_DAMAGE_LIABILITY' | 'SUPPLEMENTAL_SPOUSAL_LIABILITY' | 'PERSONAL_INJURY_PROTECTION' | 'COMPREHENSIVE' | 'FULL_GLASS' | 'COLLISION_DEDUCTIBLE_WAIVER' | 'COLLISION' | 'UNINSURED_MOTORISTS' | 'UNINSURED_MOTORIST_BODILY_INJURY_LIABILITY' | 'UNINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY' | 'UNINSURED_MOTORIST_BODILY_INJURY_AND_PROPERTY_DAMAGE_LIABILITY' | 'UNDERINSURED_MOTORISTS' | 'UNDERINSURED_MOTORIST_BODILY_INJURY_LIABILITY' | 'UNDERINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY' | 'UNDERINSURED_MOTORIST_BODILY_INJURY_AND_PROPERTY_DAMAGE_LIABILITY' | 'UNINSURED_AND_UNDERINSURED_MOTORISTS' | 'UNINSURED_AND_UNDERINSURED_MOTORIST_BODILY_INJURY_LIABILITY' | 'UNINSURED_AND_UNDERINSURED_MOTORIST_PROPERTY_DAMAGE_LIABILITY' | 'UNINSURED_AND_UNDERINSURED_MOTORIST_BODILY_INJURY_AND_PROPERTY_DAMAGE_LIABILITY' | 'TOWING_AND_LABOR' | 'LOAN_OR_LEASE_ASSISTANCE' | 'RIDESHARE_GAP_PROTECTION' | 'MEDICAL_PAYMENTS' | 'ADDITIONAL_LIVING_EXPENSE' | 'FAMILY_LIABILITY_PROTECTION' | 'BUILDING_CODES' | 'EMERGENCY_ROAD_SERVICE' | 'RENTAL_REIMBURSEMENT' | 'CAR_RENTAL_AND_TRAVEL_EXPENSES' | 'MECHANICAL_BREAKDOWN' | 'SUPPLEMENTAL_UNINSURED_AND_UNDERINSURED_MOTORISTS' | 'EMERGENCY_EXPENSE' | 'REPLACEMENT_COST_PERSONAL_EFFECTS' | 'VACATION_LIABILITY_COVERAGE' | 'RV_MEDICAL' | 'EXTENDED_BENEFITS' | 'WAGE_EARNER_DISABILITY_BENEFITS' | 'ESSENTIAL_SERVICES_DISABILITY_BENEFITS' | 'DEATH_BENEFIT' | 'CAR_REPLACEMENT_ASSISTANCE' | 'FULL_TORT' | 'LIMITED_TORT' | 'COMBINED_SINGLE_LIMIT' | 'SPARE_PARTS': Name of coverage item - `per_day_limit_cents` integer, nullable: Per-day limit, in cents - `per_mile_premium_tenth_of_cents` integer, nullable: Premium per mile, in tenth of cents - `premium_cents` integer, required: Premium paid for coverage item, in cents - `per_person_limit_cents` integer, nullable: Per-person limit, in cents - `per_incident_limit_cents` integer, nullable: Per-incident limit, in cents - `deductible_cents` integer, nullable: Deductible, in cents - `is_declined` boolean, required: If true, this coverage item was declined - `drivers` InsuranceVehicleDriver[]: List of drivers - `id` string, uuid, required: Driver ID - `first_name` string, required: First name - `middle_name` string: Middle name - `last_name` string, required: Last name - `drivers_license` string, required: License number - `drivers_license_state` string: Driver license state - `date_of_birth_str` string, required: Date of birth - `gender` 'MALE' | 'FEMALE' | 'NONBINARY': Gender - `marital_status` 'SINGLE' | 'MARRIED' | 'DIVORCED' | 'WIDOWED' | 'SEPARATED' | 'CIVIL_UNION': Marital status - `relationship_to_insured` 'INSURED' | 'SPOUSE' | 'BROTHER' | 'SISTER' | 'FATHER' | 'MOTHER' | 'DAUGHTER' | 'SON': Relationship to the insured - `is_excluded` boolean, required: Whether or not the driver is excluded from the policy or vehicle - `commercial_named_insureds` InsurancePolicyCommercialNamedInsured[]: List of commercial named insureds - `id` string, uuid, required: Commercial named insured ID - `name` string: Name of the insured - `form_of_business` 'INDIVIDUAL' | 'PARTNERSHIP' | 'LIMITED_LIABILITY_COMPANY' | 'S_CORPORATION' | 'CORPORATION' | 'JOINT_VENTURE' | 'NOT_FOR_PROFIT_ORGANIZATION' | 'TRUST': Form of business - `gl_code` string: General liability class code - `sic_code` string: Standard industrial classification code - `naics_code` string: North american industry classification system code - `fein` string: Federal employer identification number - `ssn` string: Social security number - `is_primary` boolean, required: Whether the insured is the primary - `address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `named_insureds` InsurancePolicyNamedInsured[]: List of named insured objects - `id` string, uuid, required: Named insured ID - `first_name` string: First name of the insured - `middle_name` string: Middle name of the insured - `last_name` string: Last name of the insured - `full_name` string: Full name of the insured - `is_primary` boolean: Whether the insured is the primary named insured - `claims` InsuranceClaim[]: List of claims - `id` string, uuid, required: Claim ID - `dwelling_id` string, uuid, nullable: Dwelling ID - `vehicle_id` string, uuid, nullable: Cehicle ID - `driver_id` string, uuid, nullable: Driver ID - `carrier_claim_identifier` string: Carrier claim identifier - `date_occurred` string, date-time: Date the claim occurred - `type` 'WIND_AND_HAIL_DAMAGE' | 'WATER_DAMAGE_AND_FREEZING' | 'FIRE_AND_LIGHTNING_DAMAGE' | 'OTHER_PROPERTY_DAMAGE' | 'PERSONAL_LIABILITY' | 'POWER_OUTAGE_OR_SURGE' | 'THEFT' | 'CAR_ACCIDENT' | 'WINDSHIELD_DAMAGE' | 'ANIMAL_COLLISION' | 'VANDALISM' | 'WEATHER' | 'EMERGENCY_ROADSIDE_ASSISTANCE' | 'MEDICAL' | 'HURRICANE_DAMAGE' | 'SEWAGE_BACKUP': Claim type - `status` 'OPEN' | 'CLOSED': Status - `date_closed` string, date-time, nullable: Date the claim was closed - `payout_cents` integer, nullable: Payout in cents - `representative_name` string: Representative name - `representative_phone` string: Representative phone number - `representative_email` string: Representative email address - `address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `loss_events` InsurancePolicyLossEvent[]: List of loss events - `id` string, uuid, required: Loss event ID - `date_of_occurrence` string, date-time, required: Date the loss event occurred - `date_of_claim` string, date-time: Date of the claim - `type` 'BURGLARY_AND_THEFT' | 'WATER_DAMAGE_AND_FREEZING_DAMAGE' | 'WIND_AND_HAIL_DAMAGE' | 'FIRE' | 'CUSTOMER_SLIPS_AND_FALLS' | 'CUSTOMER_INJURY_AND_DAMAGE' | 'PERSONAL_AND_ADVERTISING_INJURY' | 'EMPLOYEE_INJURY_OR_ILLNESS' | 'PRODUCT_LIABILITY' | 'STRUCK_BY_AN_OBJECT' | 'REPUTATIONAL_HARM' | 'VEHICULAR_ACCIDENT' | 'WINDSHIELD_DAMAGE' | 'STRIKE_RIOT_OR_CIVIL_COMMOTION' | 'EMERGENCY_ROADSIDE_ASSISTANCE', required: Loss event type - `amount_paid_cents` integer, required: Amount paid in cents - `amount_reserved_cents` integer, nullable: Amount reserved in cents - `is_subrogation` boolean, required: Whether subrogation was successful - `is_claim_open` boolean, required: Whether the claim is open - `documents` InsuranceDocument[]: List of documents - `id` string, uuid, required: Document ID - `title` string, required: Document title - `document_type` 'INSURANCE_APPLICATION' | 'INSURANCE_BINDER' | 'DECLARATIONS' | 'ENDORSEMENT' | 'INSURANCE_ID_CARD' | 'VERIFICATION_OF_INSURANCE', required: Document type - `date_added` string, date-time, required: Document effective date - `file` string: File url - `drivers` InsuranceDriver[]: List of drivers - `id` string, uuid, required: Driver ID - `first_name` string, required: First name - `middle_name` string: Middle name - `last_name` string, required: Last name - `drivers_license` string, required: License number - `drivers_license_state` string: Driver license state - `date_of_birth_str` string, required: Date of birth - `gender` 'MALE' | 'FEMALE' | 'NONBINARY': Gender - `marital_status` 'SINGLE' | 'MARRIED' | 'DIVORCED' | 'WIDOWED' | 'SEPARATED' | 'CIVIL_UNION': Marital status - `relationship_to_insured` 'INSURED' | 'SPOUSE' | 'BROTHER' | 'SISTER' | 'FATHER' | 'MOTHER' | 'DAUGHTER' | 'SON': Relationship to the insured - `addresses` InsuranceAddress[]: List of addresses - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `driving_records` InsuranceDrivingRecord[]: List of driving records - `id` string, uuid, required: Driving record ID - `driver_id` string, uuid: Driver ID - `incident_date` string, date-time, required: Date the incident occurred - `incident_type` 'ACCIDENT' | 'VIOLATION': Incident type - `violation_type` 'MOVING' | 'SPEEDING' | 'RECKLESS_DRIVING' | 'DRIVING_WITHOUT_VALID_LICENSE' | 'HIT_AND_RUN' | 'DISTRACTED_DRIVING' | 'DRIVING_UNDER_INFLUENCE' | 'FAILURE_TO_YIELD' | 'TAILGATING' | 'OPEN_CONTAINER_OF_ALCOHOL' | 'null', nullable: Violation type, only exists if incident_type = VIOLATION - `is_at_fault` boolean, nullable: Whether the driver was at fault - `agents` InsuranceAgent[]: List of agents - `id` string, uuid, required: AgentInfo record ID - `agency_name` string: Name of the agency (agency_name or agent_full_name required) - `agent_full_name` string: Name of the agent (agency_name or agent_full_name required) - `phone_number` string: Phone number for the agent/agency - `email` string, email: Email for the agent/agency - `policy_ids` string[]: List of Policy ID's associated to the agent - `address` InsuranceAddress - `id` string, uuid, required: Address ID - `address_nature` 'MAILING' | 'PHYSICAL' | 'LIENHOLDER' | 'INCIDENT_LOCATION' | 'AGENCY_LOCATION' | 'MORTGAGEE': The type of address - `country` string, nullable: Country - `street` string: Street - `city` string: City - `state` string: State - `zip` string: Zip code - `provider` string, required: Insurance Provider ID - `identity` Profile, required: Person's identity information - `id` string: ID of the object - `created_at` string: Person's identity info was retrieved first time (ISO 8601) - `updated_at` string: Person's identity info was retrieved last time (ISO 8601) - `first_name` string, required: First name - `last_name` string, required: Last name - `full_name` string, nullable: Full name - `middle_initials` string, nullable: Middle initials - `email` string, email, nullable: Email address. Normalized to lowercase. - `ssn` string, nullable: Social security number — either the full 9 digits or the last 4 digits, depending on what the data source exposes. Digits only, never formatted with dashes. - `date_of_birth` string, date, nullable: Date of birth - `home_address` object, nullable: Home address - `street` string: Street address as provided by the data source. May contain multiple lines separated by `\n` (address line 1 and line 2). - `city` string: City as provided by the data source. - `state` string: State or region. For US addresses this is typically a 2-letter state code; some data sources return a full state name, an empty string, or omit the key. Non-US regions are returned as provided. - `zip` string: Postal code as provided by the data source. Typically a 5-digit US ZIP code; ZIP+4 (`94105-1804`), 9 digits without a separator, and non-US postal codes also occur. - `country` string: 2-letter ISO 3166-1 alpha-2 country code. Defaults to `US` when the data source does not specify a country. - `pdf_report` string, uri: Insurance report in PDF format ## Other responses - `401`: HTTP 401 Unauthorized - `403`: HTTP 403 Forbidden ## Changes - **2026-10-30** `64de38c55f45`: 2 info - added the new optional `query` request parameter `show_fraud_reasons` - added the optional property `fraud_reasons` to the response with the `200` status - **2026-07-27** `f7c013875516`: 1 info - the `identity/ssn` response's property pattern `^(\d{4}|\d{9})$` was added for the status `200` - **2026-07-26** `e58688835e25`: 2 breaking - the response property `identity/full_name` became nullable for the status `200` - the response property `identity/ssn` became nullable for the status `200` [Operation history](https://skmtc.dev/truv/apis/truv-api/changes/v1/links/:link_id/insurance/report/get.md) --- [API](https://skmtc.dev/truv/apis/truv-api.md) - [All operations](https://skmtc.dev/truv/apis/truv-api/llms.txt) - [OpenAPI document](https://skmtc.dev/truv/apis/truv-api/revisions/e20fd88e9371?raw)