Liberty Mutual 保险数据 API

Liberty Mutual Insurance Company · 银行

Liberty Mutual Mobile 是 Liberty Mutual Insurance Company 面向美国车险、房屋保险及租客保险保单持有人推出的 Android 客户端。用户可查看账户下的全部保单并下载车险保险凭证，从首次报案开始提交和跟踪理赔，了解定损、维修预约及租车预订进度，查询各账单账户的应付金额与付款记录，通过邮件或传真收取保单文件，发起道路救援，并随时查看指派保险代理人的联系信息。应用还集成了 Liberty Mutual 的 RightTrack 驾驶行为保险项目，用于记录行程和评估驾驶表现。保单持有人可将它作为随车携带的保险凭证钱包、碰撞事故后的理赔进度工具，以及每月缴纳保费的账单门户；在美国个人保险市场，它与 GEICO、State Farm、Progressive 和 Allstate 的服务形成竞争。

保单持有人的理赔记录以 claimNumber、lossDate、lossCause、lossCategory 及流程状态 status 为主线，嵌套的 appointments、autoAppraisals、rental 和 adjusterContactInfo 则说明维修、定损及租车目前所处的阶段。保单记录将 policyNumber 和 policyLineOfBusiness 与 effectiveDate、expirationDate 关联，并通过 idCards 数组提供承保车辆的 idNumber、make、model、year 及 namedInsureds；annualPremium、driverSummaryList 和 lenders 进一步补充保障详情。

账单账户还提供 amountDue、remainingAccountBalance、isAutoPay、latestPayment，以及包含掩码账号 maskedAccountNumber 的付款方式 currentPaymentMethod；RightTrack 则补充 totalDistance、confirmedTripCount、驾驶指导标记及各驾驶人的 performanceScore。在保单持有人授权后，保险代理机构和理赔技术团队可据此开展保费对账并构建理赔周期看板，家庭财务应用可整合带到期提醒的保险凭证钱包，出行数据团队则可结合已确认里程分析驾驶评分。openData Studio 将这些保单、理赔、账单及驾驶行为记录转化为可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

保单列表与车险保险凭证

POST /illustrative/v1/policy-service/policy-overview openfinance

加载保单总览，列出账户内每份保单的状态、所属司法辖区、保险期限、车辆级保险凭证（VIN、品牌、型号、年份及具名被保险人），以及续保和文件链接，为保单列表、保险凭证钱包及续保提醒角标提供数据。

认证方式：已登录保单持有人的 Auth0 OIDC 访问令牌，通过 Authorization: Bearer 发送；令牌由应用采用 PKCE 和已注册回调地址的 Auth0 登录流程签发。

policiesSummary
hasVehicularPolicy
idCardCount
renewalCount
policyNumber
policyType
policyStatus
policyJurisdiction
policyLineOfBusiness
effectiveDate
expirationDate
idCards
cardType
insuredVehicle
idNumber
idType
make
model
year
namedInsureds
fullName
renewal

POST /illustrative/v1/policy-service/policy-overview HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExamplePoliciesSummary",
  "query": "query ExamplePoliciesSummary { policiesSummary { hasVehicularPolicy idCardCount renewalCount policies { policyNumber policyType policyStatus policyJurisdiction policyLineOfBusiness effectiveDate expirationDate idCards { cardType policyNumber insuredVehicle { idNumber idType make model year } namedInsureds { fullName } } renewal { isComplete } } } }"
}

{
  "data": {
    "policiesSummary": {
      "hasVehicularPolicy": true,
      "idCardCount": 2,
      "renewalCount": 1,
      "policies": [
        {
          "policyNumber": "AOS-1234567-01",
          "policyType": "AUTO",
          "policyStatus": "Active",
          "policyJurisdiction": "CA",
          "policyLineOfBusiness": "Personal Auto",
          "effectiveDate": "2026-03-01",
          "expirationDate": "2027-03-01",
          "idCards": [
            {
              "cardType": "Auto",
              "insuredVehicle": {
                "idNumber": "1HGCV1F34LA123456",
                "idType": "VIN",
                "make": "HONDA",
                "model": "ACCORD",
                "year": "2021"
              },
              "namedInsureds": [
                {
                  "fullName": "JORDAN A SAMPLE"
                }
              ]
            }
          ],
          "renewal": {
            "isComplete": false
          }
        }
      ]
    }
  }
}

保单详情与驾驶人、车辆

POST /illustrative/v1/policy-service/policy-record openfinance

返回单份保单的完整记录，包括保险期限、年度保费、具名被保险人和邮寄地址，以及车险保单的计费驾驶人和车辆、房屋保险保单的按揭贷款机构，为保单详情页签和保障概览提供数据。

认证方式： Auth0 OIDC Bearer 访问令牌；保单必须属于已登录用户所在家庭。

policyDetails
policyType
policyStatus
number
effectiveDate
expirationDate
annualPremium
namedInsureds
address
drivers
vehicles
driverSummaryList
firstName
lastName
isNamedInsured
isAdditional
isRestricted
lenders

POST /illustrative/v1/policy-service/policy-record HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExamplePolicyDetails",
  "variables": {
    "policyNumber": "AOS-1234567-01"
  },
  "query": "query ExamplePolicyDetails($policyNumber: String!) { policyDetails(policyNumber: $policyNumber) { policyType policyStatus description number effectiveDate expirationDate annualPremium namedInsureds address { addressLine1 city state zipCode } ... on AutoPolicy { drivers vehicles driverSummaryList { firstName lastName isNamedInsured isAdditional isRestricted } } ... on PropertyPolicy { lenders } } }"
}

{
  "data": {
    "policyDetails": {
      "__typename": "AutoPolicy",
      "policyType": "AUTO",
      "policyStatus": "Active",
      "number": "AOS-1234567-01",
      "effectiveDate": "2026-03-01",
      "expirationDate": "2027-03-01",
      "annualPremium": 1842.5,
      "namedInsureds": [
        "JORDAN A SAMPLE"
      ],
      "driverSummaryList": [
        {
          "firstName": "JORDAN",
          "lastName": "SAMPLE",
          "isNamedInsured": true,
          "isAdditional": false,
          "isRestricted": false
        }
      ],
      "vehicles": [
        {
          "year": "2021",
          "make": "HONDA",
          "model": "ACCORD"
        }
      ]
    }
  }
}

理赔列表与维修进度

POST /illustrative/v1/policy-service/claim-progress openfinance

列出所有未结案及已结案的理赔记录，包含出险日期、原因、状态、钣金维修和定损预约、租车资格与预订，以及指派理赔员的电话和邮箱，为理赔页签及理赔详情时间线提供数据。

认证方式： Auth0 OIDC Bearer 访问令牌；仅返回已登录保单持有人的理赔记录。

getClaims
results
claimNumber
reportedDate
lossDate
lossCause
lossCategory
status
policyType
policyLineOfBusiness
targetUrl
schedulingUrl
documentsUrl
paymentsUrl
appointments
adjusterName
startTime
endTime
workType
arrivalWindowStartTime
contractorRepairNetworkStatus
autoAppraisals
appraisalType
channel
rental
isEligible
hasCoverage
dailyRate
reservationNumber
rentalCompany
insuredVehicle
isEstimateAvailable
genpactContentsId
adjusterContactInfo

POST /illustrative/v1/policy-service/claim-progress HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleClaims",
  "variables": {
    "plnarEnabled": true,
    "hoverEnabled": true
  },
  "query": "query ExampleClaims($plnarEnabled: Boolean!, $hoverEnabled: Boolean!) { getClaims { results { claimNumber reportedDate lossDate lossCause lossCategory status policyType policyLineOfBusiness appointments { id adjusterName startTime endTime workType status } rental { isEligible hasCoverage dailyRate reservation { reservationNumber rentalCompany status } } autoAppraisals { id appraisalType channel } insuredVehicle { year make model } adjusterContactInfo { name phoneNumber email } } } }"
}

{
  "data": {
    "getClaims": {
      "results": [
        {
          "claimNumber": "CA-0042-123456",
          "reportedDate": "2026-08-14",
          "lossDate": "2026-08-12",
          "lossCause": "Collision",
          "lossCategory": "Auto",
          "status": "In Repair",
          "policyType": "AUTO",
          "policyLineOfBusiness": "Personal Auto",
          "appointments": [
            {
              "id": "APPT-77",
              "adjusterName": "R. CALDWELL",
              "startTime": "2026-08-20T15:00:00Z",
              "endTime": "2026-08-20T17:00:00Z",
              "workType": "Appraisal",
              "status": "Scheduled"
            }
          ],
          "rental": {
            "isEligible": true,
            "hasCoverage": true,
            "dailyRate": 45.0,
            "reservation": {
              "reservationNumber": "ENT-88213",
              "rentalCompany": "Enterprise",
              "status": "Confirmed"
            }
          },
          "insuredVehicle": {
            "year": "2021",
            "make": "HONDA",
            "model": "ACCORD"
          },
          "adjusterContactInfo": {
            "name": "R. CALDWELL",
            "phoneNumber": "+18005550142",
            "email": "[email protected]"
          }
        }
      ]
    }
  }
}

账单账户与付款摘要

POST /illustrative/v1/policy-service/billing-overview openbanking

读取各账单账户的应付金额、到期日、自动付款标记、最近付款及掩码处理的付款方式，并列出通过该账户缴费的保单，为账单页签、付款操作入口和续保横幅提供数据。

认证方式： Auth0 OIDC Bearer 访问令牌；账单账户依据保单持有人所属家庭确定。

billingDetailsV1
billingAccounts
id
accountNumber
type
amountDue
float
amountInCents
formattedStr
upcomingPaymentDueDateV2
renewalDate
isAutoPay
isPastDue
isBillReady
latestPayment
paymentDate
remainingAccountBalance
billingFrequencyInfo
currentPaymentMethod
methodType
maskedAccountNumber
policies
policyNumber
policyStatus
LOB

POST /illustrative/v1/policy-service/billing-overview HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleBillingDetailsV1",
  "variables": {
    "useCache": false
  },
  "query": "query ExampleBillingDetailsV1($useCache: Boolean) { billingDetailsV1(useCache: $useCache) { billingAccounts { id accountNumber type amountDue { float amountInCents formattedStr } upcomingPaymentDueDateV2 renewalDate isAutoPay isPastDue areYouPaidInFull currentPaymentMethod { methodType option { ... on Eft { category maskedAccountNumber } } } latestPayment { amount { float } paymentDate } policies { policyNumber policyType policyStatus LOB } } } }"
}

{
  "data": {
    "billingDetailsV1": {
      "billingAccounts": [
        {
          "id": "BA-90011223",
          "accountNumber": "0001234567",
          "type": "Auto + Home",
          "amountDue": {
            "float": 214.37,
            "amountInCents": 21437,
            "formattedStr": "$214.37"
          },
          "upcomingPaymentDueDateV2": "2026-11-01",
          "renewalDate": "2027-03-01",
          "isAutoPay": true,
          "isPastDue": false,
          "currentPaymentMethod": {
            "methodType": "EFT",
            "option": {
              "category": "Checking",
              "maskedAccountNumber": "****6789"
            }
          },
          "latestPayment": {
            "amount": {
              "float": 214.37
            },
            "paymentDate": "2026-10-01"
          },
          "policies": [
            {
              "policyNumber": "AOS-1234567-01",
              "policyType": "AUTO",
              "policyStatus": "Active",
              "LOB": "Personal Auto"
            }
          ]
        }
      ]
    }
  }
}

已登录用户资料

POST /illustrative/v1/policy-service/policyholder-profile openfinance

读取已登录客户的联系信息、身份标识及无纸化服务开通状态，供账户页面和无纸化服务提示展示。

认证方式： Auth0 OIDC Bearer 访问令牌；返回与该令牌关联的用户资料。

userprofile
emailAddress
firstName
lastName
phone
showPaperlessModal
paperlessPreferences
userIdentity
requirePaperlessReenrollment

POST /illustrative/v1/policy-service/policyholder-profile HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleUserProfile",
  "query": "query ExampleUserProfile { userprofile { emailAddress firstName lastName phone showPaperlessModal paperlessPreferences userIdentity requirePaperlessReenrollment } }"
}

{
  "data": {
    "userprofile": {
      "emailAddress": "[email protected]",
      "firstName": "JORDAN",
      "lastName": "SAMPLE",
      "phone": "+15550123456",
      "showPaperlessModal": false,
      "paperlessPreferences": "ENROLLED",
      "userIdentity": "LMPORTAL-88213",
      "requirePaperlessReenrollment": false
    }
  }
}

保险代理人联系信息

POST /illustrative/v1/policy-service/servicing-agent openfinance

返回指派的保险代理人或代理机构，以及电话、邮箱和可接收短信的时间段，让联系卡片能将保单变更及理赔咨询转给对应联系人。

认证方式： Auth0 OIDC Bearer 访问令牌；返回为该保单持有人指派的代理人。

agent
agencyName
phoneNumber
emailAddress
isGold
smsAvailability
from
to
timeZone

POST /illustrative/v1/policy-service/servicing-agent HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleAgent",
  "query": "query ExampleAgent { agent { agencyName phoneNumber emailAddress isGold smsAvailability { from to timeZone } } }"
}

{
  "data": {
    "agent": {
      "agencyName": "Sample Insurance Agency",
      "phoneNumber": "+18005550199",
      "emailAddress": "[email protected]",
      "isGold": true,
      "smsAvailability": {
        "from": "09:00",
        "to": "18:00",
        "timeZone": "America/Los_Angeles"
      }
    }
  }
}

账户资源摘要

POST /illustrative/v1/policy-service/dashboard-summaries openfinance

汇总首页总览卡片，包括账单摘要、电子签署会话数量、保单不匹配提示，以及交叉销售和追加保障推荐；每个卡片均带有相应的正文文案与操作入口元数据。

认证方式： Auth0 OIDC Bearer 访问令牌。

resourceSummary
liveContentSummary
eSignSummary
sessionCount
shouldDisplayDocusignCard
billingSummary
paymentDueAmount
paymentStatus
billingMethodCode
policyNumber
policyEffectiveDate
amount
paymentDate
policyMismatchSummary
crossSellSummary
disclaimerTexts
textTokens
upSellSummary
upSellType

POST /illustrative/v1/policy-service/dashboard-summaries HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleResourceSummary",
  "query": "query ExampleResourceSummary { resourceSummary { liveContentSummary { bodyText } eSignSummary { sessionCount shouldDisplayDocusignCard } billingSummary { paymentDueAmount paymentStatus billingMethodCode policyNumber policyEffectiveDate amount paymentDate } policyMismatchSummary { policyType bodyText } crossSellSummary { disclaimerTexts policyType textTokens { text font } } upSellSummary { upSellType } } }"
}

{
  "data": {
    "resourceSummary": {
      "eSignSummary": {
        "sessionCount": 1,
        "shouldDisplayDocusignCard": true
      },
      "billingSummary": {
        "paymentDueAmount": 214.37,
        "paymentStatus": "DUE",
        "billingMethodCode": "EFT",
        "policyNumber": "AOS-1234567-01",
        "policyEffectiveDate": "2026-03-01",
        "amount": 214.37,
        "paymentDate": "2026-11-01"
      },
      "crossSellSummary": {
        "policyType": "HOME",
        "disclaimerTexts": [
          "Bundle and save"
        ],
        "textTokens": [
          {
            "text": "Add home coverage",
            "font": "bold"
          }
        ]
      },
      "upSellSummary": {
        "upSellType": "ACCIDENT"
      }
    }
  }
}

保单文件下载链接

POST /illustrative/v1/policy-service/document-link openfinance

凭保单文件标识换取短时有效的下载链接，供文件页签和保险凭证 PDF 查看器打开。

认证方式： Auth0 OIDC Bearer 访问令牌；仅可访问该保单持有人名下保单的文件。

getDocumentUrl
downloadUrl

POST /illustrative/v1/policy-service/document-link HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleGetDocumentUrl",
  "variables": {
    "documentId": "9f2c41ab-77de-4c11-9e08-2a5b3e7c1d44",
    "tenant": "lm"
  },
  "query": "query ExampleGetDocumentUrl($documentId: String, $tenant: String) { getDocumentUrl(documentId: $documentId, tenant: $tenant) { downloadUrl } }"
}

{
  "data": {
    "getDocumentUrl": {
      "downloadUrl": "<DOCUMENT_DOWNLOAD_URL>"
    }
  }
}

通过邮件发送保单文件

POST /illustrative/v1/policy-service/document-delivery openfinance

从文件页面将保险凭证或保单文件发送至指定邮箱，并返回成功标记。

认证方式： Auth0 OIDC Bearer 访问令牌。

sendDocumentsByEmail
sendDocumentsRequest
successIndicator

POST /illustrative/v1/policy-service/document-delivery HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleSendDocumentsByEmail",
  "variables": {
    "sendDocumentsRequest": {
      "policyNumber": "AOS-1234567-01",
      "documentType": "ID_CARD",
      "emailAddress": "[email protected]"
    }
  },
  "query": "query ExampleSendDocumentsByEmail($sendDocumentsRequest: SendDocumentsRequestType!) { sendDocumentsByEmail(sendDocumentsRequest: $sendDocumentsRequest) { successIndicator } }"
}

{
  "data": {
    "sendDocumentsByEmail": {
      "successIndicator": true
    }
  }
}

向理赔员发送跟进消息

POST /illustrative/v1/policy-service/adjuster-messages openfinance

从理赔详情页面向指派的理赔员提交跟进消息，附带理赔编号、主题、正文及来询客户的联系信息。

认证方式： Auth0 OIDC Bearer 访问令牌；该理赔必须属于已登录的保单持有人。

createAdjusterFollowupMessage
claimNumber
message
subject
customerName
customerPhone
isSuccessful

POST /illustrative/v1/policy-service/adjuster-messages HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleCreateAdjusterFollowupMessage",
  "variables": {
    "claimNumber": "CA-0042-123456",
    "message": "Can we move the appraisal to Friday?",
    "subject": "Appraisal reschedule",
    "customerName": "Jordan Sample",
    "customerPhone": "+15550123456"
  },
  "query": "query ExampleCreateAdjusterFollowupMessage($claimNumber: String!, $message: String!, $subject: String!, $customerName: String!, $customerPhone: String!) { createAdjusterFollowupMessage(claimNumber: $claimNumber, message: $message, subject: $subject, customerName: $customerName, customerPhone: $customerPhone) { isSuccessful } }"
}

{
  "data": {
    "createAdjusterFollowupMessage": {
      "isSuccessful": true
    }
  }
}

推送通知注册

POST /illustrative/v1/policy-service/device-enrollment openfinance

将手机及 FCM 令牌登记到保单持有人名下，使理赔状态、账单和驾驶行为相关通知能够送达该设备。

认证方式： Auth0 OIDC Bearer 访问令牌，另需 Firebase Cloud Messaging 设备令牌。

registerPush
deviceId
pushToken
operatorId
emailAddress
isSuccessful

POST /illustrative/v1/policy-service/device-enrollment HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleRegisterPush",
  "variables": {
    "deviceId": "a1b2c3d4e5f6",
    "pushToken": "<PUSH_TOKEN>",
    "operatorId": "OP-88213",
    "emailAddress": "[email protected]"
  },
  "query": "query ExampleRegisterPush($deviceId: String!, $pushToken: String!, $operatorId: String, $emailAddress: String) { registerPush(deviceId: $deviceId, pushToken: $pushToken, operatorId: $operatorId, emailAddress: $emailAddress) { isSuccessful } }"
}

{
  "data": {
    "registerPush": {
      "isSuccessful": true
    }
  }
}

更新无纸化服务偏好

POST /illustrative/v1/policy-service/paperless-consent openfinance

记录保单持有人的电子授权决定、签署姓名及日期，使保单文件停止邮寄，改为在应用内提供。

认证方式： Auth0 OIDC Bearer 访问令牌。

updatePaperlessPreference
modalResponse
paperlessPreferences
firstName
lastName
emailAddress
signDate
successIndicator

POST /illustrative/v1/policy-service/paperless-consent HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleUpdatePaperlessPreference",
  "variables": {
    "modalResponse": "ACCEPTED",
    "paperlessPreferences": "ENROLLED",
    "firstName": "JORDAN",
    "emailAddress": "[email protected]",
    "lastName": "SAMPLE",
    "signDate": "2026-10-25"
  },
  "query": "query ExampleUpdatePaperlessPreference($modalResponse: PaperlessModalPreference!, $paperlessPreferences: String!, $firstName: String, $emailAddress: String, $lastName: String, $signDate: String) { updatePaperlessPreference(modalResponse: $modalResponse, paperlessPreferences: $paperlessPreferences, firstName: $firstName, emailAddress: $emailAddress, lastName: $lastName, signDate: $signDate) { successIndicator } }"
}

{
  "data": {
    "updatePaperlessPreference": {
      "successIndicator": true
    }
  }
}

保险产品推荐

POST /illustrative/v1/policy-service/coverage-offers openfinance

返回适合该家庭下一步考虑的保险产品推荐，按推荐类型、适用保单及销售渠道标记，供首页交叉销售卡片展示。

认证方式： Auth0 OIDC Bearer 访问令牌；推荐内容依据该家庭匹配。

getRecommendations
id
type
recommend
applicableEntity
applicableEntityId
householdId
alignmentIndicator
distributionChannel

POST /illustrative/v1/policy-service/coverage-offers HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleRecommendations",
  "query": "query ExampleRecommendations { getRecommendations { id type recommend applicableEntity applicableEntityId householdId alignmentIndicator distributionChannel } }"
}

{
  "data": {
    "getRecommendations": [
      {
        "id": "REC-4471",
        "type": "CROSS_SELL",
        "recommend": "HOME",
        "applicableEntity": "POLICY",
        "applicableEntityId": "AOS-1234567-01",
        "householdId": "HH-22109",
        "alignmentIndicator": "BUNDLE",
        "distributionChannel": "DIRECT"
      }
    ]
  }
}

RightTrack 驾驶行为账户与行程

POST /illustrative/v1/policy-service/driving-program openfinance

加载 RightTrack 按驾驶行为计价保险的总览，涵盖已参加的项目及驾驶人、行程次数和里程、驾驶指导标记和表现评分、注册截止日期、参与折扣及项目设置。

认证方式：通过 RightTrack 登录流程获得的驾驶行为服务会话令牌及 cmtAuthToken；相关访问令牌由账户的 OAuth 令牌交换流程签发。

appData
appAccount
accountId
policyNumber
clientCode
jurisdiction
programs
clientProgramCode
enrollmentDate
status
operators
operatorId
firstName
lastName
trips
totalDistance
confirmedTripCount
unconfirmedTripCount
drivingBehavior
accelerationCoaching
brakingCoaching
distractedDrivingCoaching
timeOfDayCoaching
ranking
performanceScore
score
category
daysRemaining
registerByDate
heartbeat
participationDiscount
currentDiscount
maxDiscount
appExperience
rightTrackExperienceEnabled
minimumMileageThreshold
programLength
scoringWindow

POST /illustrative/v1/policy-service/driving-program HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleTelematicsAppData",
  "query": "query ExampleTelematicsAppData { appData { appAccount { accountId policyNumber clientCode jurisdiction programs { clientProgramCode status enrollmentDate operators { operatorId firstName lastName trips { totalDistance confirmedTripCount unconfirmedTripCount } drivingBehavior { brakingCoaching distractedDrivingCoaching ranking performanceScore { score category } } } } } appExperience { rightTrackExperienceEnabled minimumMileageThreshold programLength scoringWindow } } }"
}

{
  "data": {
    "appData": {
      "appAccount": {
        "accountId": "ACCT-77120",
        "policyNumber": "AOS-1234567-01",
        "clientCode": "LM",
        "jurisdiction": "CA",
        "programs": [
          {
            "clientProgramCode": "RIGHTTRACK",
            "status": "ACTIVE",
            "enrollmentDate": "2026-03-05",
            "operators": [
              {
                "operatorId": "OP-88213",
                "firstName": "JORDAN",
                "lastName": "SAMPLE",
                "trips": {
                  "totalDistance": 421.6,
                  "confirmedTripCount": 38,
                  "unconfirmedTripCount": 2
                },
                "drivingBehavior": {
                  "brakingCoaching": "LOW",
                  "distractedDrivingCoaching": "MEDIUM",
                  "ranking": 12,
                  "performanceScore": {
                    "score": 82,
                    "category": "GOOD"
                  }
                }
              }
            ]
          }
        ]
      },
      "appExperience": {
        "rightTrackExperienceEnabled": true,
        "minimumMileageThreshold": 50,
        "programLength": "6_MONTHS",
        "scoringWindow": "90_DAYS"
      }
    }
  }
}

确认驾驶行程

POST /illustrative/v1/policy-service/trip-confirmations openfinance

由各驾驶人确认或否认检测到的行程，将已确认的里程用于 RightTrack 评分与折扣计算。

认证方式：通过 RightTrack 登录流程获得的会话令牌，以 Bearer 方式使用。

confirmTrips
tripConfirmation
operatorId
tripId
isDriver

POST /illustrative/v1/policy-service/trip-confirmations HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "operationName": "ExampleLibertyConfirmTrip",
  "variables": {
    "tripConfirmation": [
      {
        "operatorId": "OP-88213",
        "tripId": "TRIP-20261024-0912",
        "isDriver": true
      }
    ]
  },
  "query": "mutation ExampleLibertyConfirmTrip($tripConfirmation: [TripConfirmationInput!]!) { confirmTrips(tripConfirmations: $tripConfirmation) }"
}

{
  "data": {
    "confirmTrips": true
  }
}

数据类别

保险保单
车险保险凭证
理赔记录
理赔预约与定损
租车预订
账单与付款
保单文件
驾驶人与车辆
保险代理人联系信息
驾驶行为与行程数据

数据使用场景与案例

理赔周期看板
理赔运营工具将理赔数据中的 claimNumber、lossDate、lossCause 和 status 与 adjusterContactInfo 及预约的 arrivalWindowStartTime 关联起来，跟踪从首次报案到定损及移交维修的处理周期。
保险凭证钱包
车队或家庭财务应用获取 policyNumber、policyLineOfBusiness 及 idCards 数组，其中包含 insuredVehicle 的 idNumber、make、model、year 和 namedInsureds，用于展示有效保险凭证，并在 expirationDate 临近时提醒用户。
保费与账单对账
保险代理机构的记账任务将 billingAccounts 中的 amountDue、remainingAccountBalance、isAutoPay 和 latestPayment，与 policyDetails 中的 policyNumber 和 annualPremium 匹配，标记欠费家庭及自动付款失败情况。
驾驶行为保险分析
出行数据团队读取各驾驶人的 totalDistance、confirmedTripCount、brakingCoaching 和 performanceScore，对 RightTrack 驾驶行为进行基准比较，并建立续保折扣区间模型。

常见问题

Liberty Mutual 应用提供哪些保险数据？

包括保单期限、所属司法辖区及车辆级保险凭证；理赔的出险原因、状态、预约、定损和租车预订；账单账户的 amountDue、isAutoPay、isPastDue 和 latestPayment；保单文件下载链接；指派保险代理人的联系信息；以及 RightTrack 项目的行程次数、里程和驾驶评分。本页展示的账单模型包含最近一次付款，并非完整的历史付款流水。

这些接口可以公开访问吗？

不可以。第一方调用要求保单持有人登录。客户数据通过 GraphQL 网关获取，需使用应用 PKCE 登录流程取得的 Auth0 OIDC 访问令牌；驾驶行为数据则需要已加入项目的保单对应的 RightTrack 会话令牌。本页路径和示例仅作说明，不是生产环境访问入口。

如何关联保单与账单记录进行对账？

将 policyDetails 中的 number 与各账单账户 policies 列表中的 policyNumber 匹配。保单详情提供 annualPremium 和保险期限，账单账户则提供 amountDue、remainingAccountBalance、isAutoPay、isPastDue 和 latestPayment。一个账单账户可对应多份保单，因此不能将账户应付金额直接视为某份保单的年度保费。isPastDue 表示欠款逾期；仅凭 isAutoPay 无法判断某次付款是否成功。

RightTrack 驾驶行为数据如何组织？

每个驾驶行为项目列出参与驾驶人，分别提供包含 totalDistance、confirmedTripCount 和 unconfirmedTripCount 的 trips 对象，以及包含驾驶指导标记、ranking 和 performanceScore 的 drivingBehavior 对象。performanceScore 带有数值 score 及评级 category，此外还提供参与项目的折扣数值。

与 Liberty Mutual Mobile 相似的应用

GEICO Mobile - Car Insurance — GEICO（Government Employees Insurance Company）是伯克希尔·哈撒韦全资控股、总部在马里兰州贝塞斯达的车险公司，在美国全部 50 个州及哥伦比亚特区承保私人乘用车保险。
Progressive — 总部位于俄亥俄州梅菲尔德的 Progressive Corporation 承保汽车、摩托车、房车等车辆保险，并经合作保险公司提供房屋与租客险，提供可自愿加入的 Snapshot 按驾驶计费项目，客户可通过电话、官网或独立代理投保。
State Farm — State Farm 官方应用提供保单管理、道路救援、报案、银行与投资账户查询，以及 Drive Safe & Save 安全驾驶相关信息。
Allstate — The Allstate Corporation 总部位于伊利诺伊州格伦维尤，承保汽车、房屋、租客、摩托车、船只、公寓、房东及商业保险，并在加拿大经营个人险业务。
USAA — 总部位于得克萨斯州圣安东尼奥的 United Services Automobile Association（USAA）向美国军人、退伍军人及其家属提供保险与银行服务。
Farmers Insurance — Farmers Insurance Group 总部位于加州伍德兰希尔斯，通过专属与独立代理销售车险、房屋险、寿险、摩托车、休闲车辆和商业保险。
Nationwide — Nationwide Mutual Insurance Company 总部位于俄亥俄州哥伦布，承保车辆、财产与意外以及人寿保险。
The Hartford — 总部位于康涅狄格州哈特福德的 The Hartford Insurance Group 承保车险、房屋险、财产、责任、工伤和员工福利，并为 AARP 会员提供车险与房屋险产品。

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每个项目均签 NDA 与 SOW
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获取报价

Liberty Mutual 保险数据 API

应用截图

API 端点一览

保单列表与车险保险凭证

保单详情与驾驶人、车辆

理赔列表与维修进度

账单账户与付款摘要

已登录用户资料

保险代理人联系信息

账户资源摘要

保单文件下载链接

通过邮件发送保单文件

向理赔员发送跟进消息

推送通知注册

更新无纸化服务偏好

保险产品推荐

RightTrack 驾驶行为账户与行程

确认驾驶行程

数据类别

数据使用场景与案例

理赔周期看板

保险凭证钱包

保费与账单对账

驾驶行为保险分析

常见问题

与 Liberty Mutual Mobile 相似的应用

更多银行类应用

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

AndroMoney

Angel One: Stocks, Mutual Fund

相关主题

需要集成这个 App 的数据 API？

Liberty Mutual 保险数据 API

应用截图

API 端点一览

保单列表与车险保险凭证

保单详情与驾驶人、车辆

理赔列表与维修进度

账单账户与付款摘要

已登录用户资料

保险代理人联系信息

账户资源摘要

保单文件下载链接

通过邮件发送保单文件

向理赔员发送跟进消息

推送通知注册

更新无纸化服务偏好

保险产品推荐

RightTrack 驾驶行为账户与行程

确认驾驶行程

数据类别

数据使用场景与案例

理赔周期看板

保险凭证钱包

保费与账单对账

驾驶行为保险分析

常见问题

相关应用

与 Liberty Mutual Mobile 相似的应用

更多银行类应用

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

AndroMoney

Angel One: Stocks, Mutual Fund

相关主题

需要集成这个 App 的数据 API？