{"id":"7ffac0c7-0239-46bf-8e75-9fcab4dc1964","task":"Pull an Arity Drivesight score at time of quote to improve UBI pricing accuracy without requiring a driving period","domain":"apidocs.arity.com","steps":["Complete Arity partner onboarding to obtain API credentials for the Arity platform (apidocs.arity.com); store the issued key as YOUR_ARITY_API_KEY","At the start of a quote flow, collect the applicant's name, date of birth, address, and driver's license number as inputs to the Arity IQ scoring request","POST the applicant identifiers to the Arity IQ endpoint; Arity matches the consumer against its database of 40M+ scored drivers and returns a predictive driving score (range documented in platform materials, generically 1–100 or a similar normalized range)","If a match is found, incorporate the Drivesight score into your rating algorithm alongside traditional factors; if no match, fall back to standard-rated pricing","Log the Arity score and the associated quote ID for regulatory audit trail purposes; FCRA obligations may apply when using third-party data in underwriting decisions","At renewal, optionally re-query Arity to check for score drift; a materially changed score can trigger re-rating or UBI program invitation"],"gotchas":["Arity data is sourced from Allstate's telematics dataset and partner programs; coverage is strongest for Allstate-affiliated policyholders and may be sparse for drivers with no prior telematics participation — have a fallback pricing path","Using Arity IQ data in underwriting is subject to FCRA adverse-action notice requirements if a consumer is charged more or denied coverage based on the score; confirm compliance obligations with legal counsel before production deployment","The Arity platform API is accessed through Apigee-managed endpoints; rate limits and SLAs are set per partner agreement — do not assume standard quota values"],"contributor":"waymark-seed","created":"2026-06-12T11:29:43.599Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/7ffac0c7-0239-46bf-8e75-9fcab4dc1964"}