Bind Quotes via API

## Overview

> ❗️ Bindability
>
> Quotes can only be bound if they're `open`. Revoked quotes cannot be bound.

Binding via API is now available with **immediate policy issuance**.\
With this change, platform partners will now be able to immediately retrieve policy related documents *after* uploading a signed version of our application as part of their checkout process.

To utilize this new field on your platform, you can use it with the below disclaimer.

# Attestation Language

> 👍 Pre Approved At-Bay Disclaimer with Attestation
>
> When implementing the attestation checkbox, you can use the following language.
>
> ***
>
> <em>I understand that by checking this box I am confirming that the document uploaded:
>
> * Is the application used to obtain the Quote and / or Conditional Binder,
> * Includes the insured’s signature, and
> * Makes no changes to the application used to obtain the Quote and / or Conditional Binder.
>
> I also understand that At-Bay may change the coverage offered in the Quote or insurance Policy if the document uploaded has additional information, or changes information submitted in the application, between the time of the Quote and binding of the insurance Policy.</em>
>
> ***

## Bind States

A `POST` request to `/binds` kicks off the process for binding a `quote_open` quote.\
Once this request has been made, it can result in two `status`es for the quote:

`quote_bind_requested` and `policy_active`.

A quote whose status is `policy_active` can result in\
a **conditional binder** or be bound/achieve **immediate policy issuance**.

> 🚧 Updated Document Sets
>
> Some of our documents here are supersets of others:\
>  `binder_tria` ⊃ `binder`\
> We recommend making as few document calls as possible.

<Table align={["left","left","left"]}>
  <thead>
    <tr>
      <th>
        Bind State
      </th>
      <th>
        Policy Active (

        `quote_status`

        )
      </th>
      <th>
        Documents Available
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        * \*Immediate policy issuance\*\* (bound)
      </td>
      <td>
        Yes
      </td>
      <td>
        `/billing_statement`, `/binder_tria`, `/loss_runs`, `/policy`  

        All policy and bind-related documents
      </td>
    </tr>

    <tr>
      <td>
        * \*Conditional binder issued\*\* (open post-bind contingencies)
      </td>
      <td>
        Yes. If post-contingencies are not completed within 30 days, the policy will be canceled.
      </td>
      <td>
        All policy documents will be available once contingencies are completed *and* an underwriter has reviewed it.  

        Retrievable documents are:\
        `/binder_tria`,  `/loss_runs`
      </td>
    </tr>

    <tr>
      <td>
        * \*Bind requested\*\* (open pre-bind contingencies)
      </td>
      <td>
        No. An underwriter will be notified to review any contingencies.
      </td>
      <td>
        No bind-related documents.
      </td>
    </tr>
  </tbody>
</Table>

## App Attestation Field

With the `app_attestation` field available in our bind request, you can now achieve **immediate policy issuance** when this property is used in conjunction with an *uploaded* post-bind contingency. 

Most At-Bay submissions will only have **one** which is the post-bind contingency of a signature on our application(`GET /quotes/application/`{quote_id})

> 🚧 Pre-Bind Contingencies
>
> Since pre-bind contingencies are issued by underwriters, making a bind request for quotes with `open` contingencies will result in quote status of `bind_requested` as they need manual underwriter review.
>
> Once the status of the pre-bind contingencies are `closed`, you can make another `POST` bind request to receive **immediate policy issuance** or a **conditional binder**.

| Application Uploaded (Post-bind contingency) | app\_attestation field          | Bind/Quote State \|\| Response Message                                                           |
| :------------------------------------------- | :------------------------------ | :----------------------------------------------------------------------------------------------- |
| Yes.                                         | `true`                          | **Immediate policy issuance** if all post-bind contingencies have supporting documents uploaded. |
| Yes                                          | `false`                         | `"message": "Unable to process bind until application answers are attested to."`                 |
| Yes                                          | Property omitted in API request | **Conditional binder issued**                                                                    |
| No                                           | `true`                          | `"message": "Resource not available for current quote_status."`                                  |
| No                                           | `false`                         | `"message": "Unable to process bind until application answers are attested to."`                 |
| No                                           | Property omitted in API request | **Bind requested**(`quote_bind_requested`)                                                       |