Use the Smartcar API to verify vehicle odometer readings for a pay-per-mile UBI insurance product

Steps

1. Register your application in the Smartcar dashboard and note the client ID and client secret; configure the redirect URI for your OAuth callback handler
2. Initiate Smartcar Connect for the policyholder: redirect to the Smartcar authorization URL with scopes including read:odometer and read:vin; the user authenticates with their connected-vehicle account (e.g., OnStar, MyToyota) and grants consent
3. Exchange the returned authorization code for an access token and refresh token at the Smartcar token endpoint; store both securely — the access token is short-lived
4. Call GET /vehicles/{vehicleId}/odometer to retrieve the current odometer reading for the policyholder's vehicle; the response includes the distance value and unit
5. Schedule periodic odometer pulls (e.g., monthly) using stored refresh tokens to generate mileage-based premium invoices; handle token expiry by using the refresh token to obtain a new access token
6. At policy inception and each billing cycle, record the odometer value with a timestamp; compute miles driven per period and apply the per-mile rate to calculate the premium charge