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Use Case Description | Staged Data (HDS) | Request Data | Extract Data |
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Data contained in the HDS will conform to OpenIDL data model standards | Data shall be aggregated during extraction | Data extracted is for single defined use based on data request and agreement to access data | |
Minimal data attributes to be available consist of the "Day 1" OpenIDL data model fields, other attributes in the OpenIDL data model are populated at the option of the carrier | Data shall be anonymized during extraction | Data to be extracted, aggregated, and anonymized as defined in the data request | |
Data shall consist of policy and loss transactions over the course of the policy term and lifetime of any associated claims based on source system activity | Only aggregated and anonymized data shall be transmitted beyond the private analytics node | ||
Data shall be current to the Prior Month + 45 days | No Personally identifiable information (PII) data shall be transmitted beyond the private analytics node | ||
Companies shall maintain data in the HDS for 5 prior years plus current year | Timeframes for data to be included in aggregation shall be defined | ||
Data in the HDS will remain within 5% error tolerance per line and state based on OpenIDL edit package | Attributes to be used in aggregation shall be identified | ||
Access to data is via permissioned access | Logic for extracting data shall be defined | ||
Calculations to be used in aggregations, analysis, and reporting shall be identified and defined | |||
The specific use of the information shall be defined | |||
Permitted accessors to the information and users of data shall be defined | |||
Proportion of individual carrier information to be used in extraction to the population of data in the extraction shall be communicated | |||
Only authorized approvers may commit carrier to a data request | |||
No altering or embellishing data including appending outside data is permitted unless approved by carrier | |||
Requested data shall be for one time use only. Additional uses for data will require a new request. | |||
No changes to request, attributes used, extraction patterns, accessors, users, or specific use of the data is permitted post consent | |||
Data request communication shall be through a communications protocol within OpenIDL and archived within OpenIDL | |||
Individual carrier contribution to a data request will not exceed X% of the population of premium, losses, exposures, etc. | |||
Data calls have an expiration date from which consent is needed, if applicable |
General
Query Execution
Schema Evolution
History
Data Quality
Structural Concerns
Data Dictionary
Field Type | Field | Day 1 or 2 Req. | Definition | Expected Values | Comments |
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1. All | Record LOB | 1 | A code identifying the broader line of insurance the transaction is to be reported as. | Personal Auto | |
1. All | Record Type | 1 | A code identifying the type of transaction being reported. | Premium, Paid, OS, ALAE, Limited Coding | |
2. Policy | Company ID | 1 | A unique 4-digit code assigned by the Statistical Bureaus to identify each insurance company. | Numeric | |
2. Policy | Annual Statement Line | 1 | A code identifying the line of insurance the transaction was written under. | Alpha numeric. NAIC - 19.1, 19.2, 21.1 | |
2. Policy | Policy Category | 1 | A code identifying whether the record is Personal or Commercial. | Personal / Commercial / Surplus | |
2. Policy | Subline | 1 | A code identifying the coverage. | Liability, No-Fault, Physical Damage, Med Pay | |
2. Policy | Policy Identifier | 1 | A unique combination of letters and numbers that identifies an insured's insurance policy. This is the foreign key for connecting the claim and policy records. | Alpha-numeric. No Limit to the field length. | |
2. Policy | Policy Effective Date | 1 | The date of when the policy became effective. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | |
2. Policy | Transaction Type | 1 | A code identifying whether the record is a New Business, Change, Renewal, Cancellation, etc. | New, Renew, New Change, Renew Change, New Cancel, New Audit; Renew Audit | |
2. Policy | Transaction Effective Date | 1 | Date the change becomes effective. Not the booking date. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | needed to calculate exposure |
2. Policy | Transaction Expiration Date | 1 | Date the change ends. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | needed to calculate exposure |
2. Policy | Market | 1 | Market in which the policy is being written through. | Voluntary / Residual | |
2. Policy | Accounting Date | 1 | The date the transaction was financially booked. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | |
2. Policy | Program | 1 | A code that indicates whether the basic rules and forms used in writing the policy are using certain Bureau's rules or form or if they are independent. | ISO, AAIS, Independent, State Standard, Other | |
2. Policy | Multi-Car Discount Code | 1 | A code that indicates whether there is a multi-car discount or just a single rated car. | Multi, Single, Not Applicable | |
2. Policy | Package Code | 1 | A code identifying whether the policy is standalone or part of a package. | Standalone, Package | |
2. Policy | Pool Affiliation | 1 | Identifies business written in a pool such as an assigned risk facility or joint underwriting association, and business not written in a pool. | Pooled, Direct | |
2. Policy | Pricing Tier | 1 | Company assigned pricing mechanism. | Standard, Sub-Standard, Preferred, Modeled | |
2. Policy | NC Program Enhancement Ind | 1 | Based on North Carolina Session 2015 House Bill 288, premiums and losses resulting from program enhancements must not comingle with basic data. This code indicates the use of enhanced endorsements. | Yes / No | |
2. Policy | NC Reinsurance Facility | 1 | A code that distinguishes between business written under the NC Reinsurance Facility and that which is not. | Ceded, Retained, Not Written | Reinsurance fund business but financially recorded as direct written premium |
2. Policy | SC Reinsurance Facility | 1 | A code that distinguishes between business written under the SC Reinsurance Facility and that which is not. | Ceded, Retained, Not Written | SC State Exception A |
2. Policy | Multi-Car Risks | 1 | A field that indicates whether the multi-car risk is subject to the PIP Premium Discount and whether the Principal Auto is not Discounted. | Multi Car Subject to PIP Discount - Principal Auto Not Discounted, Multi Car Subject to PIP Discount - Additional Auto Discounted, Multi-Car Risks Not Subject to PIP Discount; All Other Autos | NJ State Exception B; Applies to PIP Multi-Car Risks only. |
3. Driver | Gender | 1 | Gender of highest rated operator of each insured vehicle. | Male, Female, X | |
3. Driver | Driver Age | 1 | Driver's age when policy was written. | Provide raw age. | |
3. Driver | Marital Status | 1 | Indicates whether driver is single or married. | Single, Married, Other | |
3. Driver | Safe Driving/Defensive Driver Discount | 1 | Discount for the practice of using driving strategies that minimize risk and help avoid accidents, as by predicting hazards on the road | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | |
3. Driver | Good Student Discount | 1 | Discount for student getting good grades in school. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | |
3. Driver | Number of Penalty Points | 1 | Number of motoring conviction codes, fixed penalty notices, endorsements against the driver. | Numeric. Provide number of points | |
3. Driver | Drivers Training Discount | 1 | Discount for Driver taking Driving School lessons. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | |
3. Driver | 55 & Over Discount | 1 | Discount for 55 & over years olds for successful completion of the PA certified training course. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | PA State Exception B |
3. Driver | Accident Prevention Credit | 1 | Indicates whether the vehicle has an accident prevention credit. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | NY State Exception A |
4. Vehicle | Body Style | 1 | The shape and model of a vehicle. | ** See Body Style tab | |
4. Vehicle | Body Size | 1 | Type of Vehicle | Private Passenger, Sports Car, Oversized Car or Limo, All Other | |
4. Vehicle | Engine Size (Motorcycle) | 1 | Size of Engine in Motorcycles or Motor Scooters | Provide actual engine size. | NJ State Exception C (Applies to Motorcycle only) |
4. Vehicle | VIN | 1 | Unique combination of numbers and letters that identify each vehicle. | Vehicle Index - Alpha numeric. No Limit to the field length. | |
4. Vehicle | Garaging State | 1 | State where the vehicle is principally garaged. | NAIC Standard | |
4. Vehicle | Garage ZIP5 | 1 | First 5 digits of Zip Code of where the vehicle is principally garaged. | Alpha numeric 5 bytes. | |
4. Vehicle | Garage ZIP4 | 1 | Last 4 digits of Zip Code of where the vehicle is principally garaged. | Alpha numeric 4 bytes. | Optional Reporting field |
4. Vehicle | Vehicle Year | 1 | Model Year | 4 byte numeric. YYYY | |
4. Vehicle | Vehicle Use | 1 | Primary use of the vehicle. | Personal / Commute / Business / Farm | |
4. Vehicle | Vehicle Symbol | 1 | Abstraction of the vehicle rating symbols. Not company rating symbols. | Use current code values from the AAIS Stat Plan. | |
4. Vehicle | Vehicle Performance | 1 | Vehicle Performance characteristic | Standard, Intermediate, High, Sports Car, Sports Premium (NJ only), All Other | |
4. Vehicle | Per Commute Miles | 1 | Number of miles driven per commute. | Numeric. Raw numbers | |
4. Vehicle | Annual Vehicle Miles | 1 | Number of miles driven annually. | Numeric. Raw numbers | |
4. Vehicle | Anti-lock Brakes Discount | 1 | Code indicating whether Anti-Lock Brakes discount was applied to the vehicle. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | |
4. Vehicle | Safety Restraint Discount | 1 | Code indicating whether Safety Restraint discount was applied to the vehicle. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | |
4. Vehicle | Anti-theft Device Discount | 1 | Code indicating whether Anti-Theft Device discount was applied to the vehicle. | Discount Applied, Does Not Qualify, Discount not Offered on Coverage | ** NJ and NY require additional information. Applies to Comp Physical Damage coverage |
5. Coverage | Coverage Code | 1 | Code representing the coverage of the vehicle the premium on the record applies to. | ** See Coverage Code Values tab | |
5. Coverage | Per Person Limit | 1 | Per Person Limit for the Coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | Per Accident Limit | 1 | Per Accident Limit for the Coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | Property Damage Limit | 1 | Property Damage Limit for the Coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | Combined Single Limit | 1 | Combined Single Limit for the Coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | Premium | 1 | Transactional Premium applicable to the coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | Deductible | 1 | Deductible for the Coverage | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | |
5. Coverage | UM/UIM Stacking Indicator | 1 | Indicates whether UM/UIM Limits are stacked (per vehicle) or non-stacked (per policy) | Limits Stacked, Non-Stacked | UM/UIM Motorist field & UM/UIM Indicator |
5. Coverage | Medical Expenses Ded Amt | 1 | Deductible amount applicable to Medical Expenses. | Provide whole number | Applies to NJ only |
5. Coverage | NJ Threshold/Tort Limitation | 1 | Code indicating whether the insured has a Threshold and Tort Limitation on the policy. | Liability - No Threshold/Tort limitation, Liability - Verbal Threshold/Tort Limitation, Liability with Unknown Threshold /Tort Limitation; PIP - Medical Exp Benefits as Primary Cov - No limitation, Medical Exp Benefits as Primary Cov - Verbal limitation, Medical Exp Benefits as Secondary Cov - No limitation, Medical Exp Benefits as Secondary Cov - Verbal limitation | NJ State Exception A |
5. Coverage | Primary No-Fault Health Plan | 1 | Determines what type of no-fault health plan the driver has. | Employers' primary, PIP primary, Medicare primary, No basic PIP medical (i.e. private health plan), Employers' work loss plan & medicare coordination both primary, Employers' work loss primary w/o basic PIP med exp | NY State Exception B |
5. Coverage | Combined First Party Benefits | 1 | Code describing the combination of Medical Benefits Limit, Loss of Income $, Accidental Death $, Funeral Expense $ | Day 1 Stat Plan values. Will be replaced by Day 2 fields. | PA State Exception C |
Field Type | Field | Day 1 or 2 Req. | Definition | Expected Values | Comments | |
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1. Claim Identifier | Policy Identifier | 1 | A unique combination of letters and numbers that identifies an insured's insurance policy. This is the foreign key for connecting the claim and policy records. | Alpha-numeric. No Limit to the field length. | ||
1. Claim Identifier | Policy Eff Date | 1 | The date of when the policy became effective. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | ||
1. Claim Identifier | Claim Number | 1 | A unique combination of letters and numbers that identifies an insured's claim. | Alpha-numeric. No Limit to the field length. | ||
1. Claim Identifier | VIN | 1 | Unique combination of numbers and letters that identify each vehicle. | Vehicle Index - Alpha numeric. No Limit to the field length. | ||
1. Claim Identifier | Accident Date | 1 | Date the loss occurred | datetime: https://www.iso.org/iso-8601-date-and-time-format.html | datetime: https://www.iso.org/iso-8601-date-and-time-format.html | |
1. Claim Identifier | Cause of Loss | 1 | Reason the loss occurred. | BI, Death Claim, Property Damage, Loss of Income, Med Pay, Collision, Flood, etc | geocode: https://en.wikipedia.org/wiki/ISO_6709 | |
1. Claim Identifier | Claim Status | 1 | A code showing whether the claim is open or closed. | Open, Closed, Reopened | ||
2. Claim Activity | Claim Number | 1 | A unique combination of letters and numbers that identifies an insured's claim. | Alpha-numeric. No Limit to the field length. | ||
2. Claim Activity | Claimant Identifier | 1 | Code identifying the various claimants for a single loss. | Alpha-numeric. No Limit to the field length. | ||
2. Claim Activity | Coverage Code | 1 | Code representing the coverage of the vehicle the premium on the record applies to. | BI, PD, CSL, UMBI, UMPD, UMBIPD, UMUIMBI, UMUIMPD, UMUIMBIPD, UIMBI, UIMPD, UIMBIPD, PIP, Comp, Coll, Medical Benefits, Med Pay. | ||
2. Claim Activity | Accounting Date | 1 | The date the transaction was financially booked. | https://en.wikipedia.org/wiki/ISO_8601 - YYYY-MM-DD | ||
2. Claim Activity | Paid Loss | 1 | Loss Amount paid on the claim for this transaction. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | Use to derive the Transaction Code | |
2. Claim Activity | Paid LAE | 1 | Loss Amount paid on Loss Adjustment Expenses for this transaction. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | Use to derive the Transaction Code | |
2. Claim Activity | Outstanding Loss | 1 | Loss Amount reserved for possible future payments for this claim, claimant and coverage. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | ||
2. Claim Activity | Outstanding LAE | 1 | Loss Amount reserved for Loss Adjustment Expenses for this claim, claimant and coverage. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | ||
2. Claim Activity | Subrogation - Loss | 1 | Loss Amount recovered from a 3rd Party. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | ||
2. Claim Activity | Subrogation - LAE | 1 | Loss Amount for Loss Adjustment Expense recovered from a 3rd Party. | Numeric with a decimal and a negative sign when applicable. Decimal is required when including cents. | ||
2. Claim Activity | Tort Limitation | 1 | A code that indicates whether the tort limitation applies to the driver. | Rejected / Accepted | State Exception for KY & PA |