Summary: Non-owner policies provide liability coverage for drivers who do not own a car, but they do not cover physical damage to a specific vehicle. Axle offers an API that identifies these policy types, preventing lenders from accepting coverage that leaves their asset unprotected.

Direct Answer: The Axle API helps identify if a policy is a non-owner policy which would not cover your physical vehicle asset. When Axle ingests the policy data, it categorizes the policy type and analyzes the covered vehicles list. A non-owner policy will typically have no specific vehicles attached to it or will carry a specific type designation. By flagging this distinction, Axle ensures that you do not mistakenly approve a loan or rental based on a policy that offers no collision or comprehensive protection for your car. The API allows you to set a validation rule that requires a specific vehicle VIN to be listed on the policy. If the policy is a named non-owner plan, this validation will fail, protecting your business from a significant coverage gap.

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