📄️ Overview
Safeco Auto is the quote-to-bind flow for Safeco Auto insurance. Customers arrive from DA (Dealer Application) via a deep link and complete a multi-step flow: confirm drivers and vehicles, select coverages, apply discounts, and bind with payment via Hydra.
📄️ Entry from DA
Customers land in Fastlane when they click "Buy Online" for Safeco on the DA (Dealer Application) results page. DA opens Fastlane with a deep link containing session parameters.
📄️ Quote Flow
The Safeco Auto quote flow is a multi-step sequence. Each step is defined in flow-config.ts and rendered by the Safeco Auto flow router.
📄️ Bind Flow
The bind flow starts on the Checkout page after the customer completes payment in the Hydra iframe. The gateway initiates bind asynchronously and returns 202 immediately; the frontend subscribes to SSE for real-time status.
📄️ SSE Bind Status
Bind is asynchronous. The gateway returns 202 immediately and processes bind in the background. The frontend subscribes to a Server-Sent Events (SSE) stream to receive real-time status updates without polling.
📄️ ACORD XML Protocol
All Safeco Auto communication uses ACORD XML transmitted over HTTPS. Internally, the XML is represented as JSON (converted by SafecoV3XmlConverterService) so all mapping and manipulation happens in JS objects.
📄️ Hydra Payment
Safeco uses Liberty Mutual's Hydra platform for secure payment collection. Payment details never touch Fastlane servers — they're captured in a Hydra-hosted iframe and tokenized into an instrumentId.
📄️ Coverage Rules
The Policy Coverages step enforces state-specific coverage rules that control option filtering, cross-field validation, and automatic derivations. These rules live entirely in the frontend and operate on CDM-provided coverage options.
📄️ Knockouts & Eligibility
Knockouts prevent ineligible customers from proceeding through the quote flow. They're enforced at two layers: client-side (before API calls) and server-side (from Safeco API responses).