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Hero Light Welcome to the Matrisk API! Our API leverages millions of crash records to create a risk score that helps carriers price their policies more accurately using historical crash data. Carriers can ping our API during both new policy creation and policy renewal to generate real-time risk scores.

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Core Flows Supported

Our API supports three primary flows:

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1. Crash Data

  • Description: Get aggregated crash statistics at various levels of granularity (e.g., by location, time, severity).
  • Use Case: Designed for sophisticated carriers who want to build or enhance their own internal risk models.

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2. Risk Score by Garaging Location

  • Description: Risk score based on where the vehicle is garaged.
  • Use Case: Simple lookup to determine risk based on the location where the car is primarily kept.

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3. Risk Score by Telematics Data

  • Description: Risk score based on historical driving behavior.
  • Use Case: By analyzing driving patterns, we can determine exactly where a policyholder drives for a finer risk score.

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Create your API Key

To access the API, generate your API key by visiting the Matrisk Dashboard and navigating to the Profile tab.

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Setup Your API Key

Once you’ve created an API key, store it safely and export it as an environment variable. 
# Save your API key to your terminal environment
export MATRISK_API_KEY="your_api_key_here"

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Make Your First API Request

With your API key ready, you can make your first request. Choose your method below.

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Example Request Using curl

curl -X POST "https://api.risk.matrisk.ai/v1/garaging-risk-score" \
-H "Authorization: Bearer $MATRISK_API_KEY" \
-H "Content-Type: application/json" \
-d '{
  "model_version": "v1",
  "policy_holder_id": "12345",
  "vehicles": [
    {
      "vehicle_id": "abc123",
      "garaging_location": {
        "address": "123 Main St, Miami, FL 33101"
      }
    }
  ]
}'

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Backtesting Risk Scores

Our API supports bulk asynchronous endpoints, enabling users to efficiently process hundreds of thousands of requests simultaneously. This makes it easy to evaluate the effectiveness of our risk score on large volumes of historical policy data.
  • Policy vs. Policy Holder
    • While we’re pricing specific policies, we can leverage telematics data from previous policies to further refine risk scores.
    • Example: A policyholder may have multiple vehicles, each insured under a different policy. Our API ensures all relevant data is considered to generate an accurate and holistic risk score.
Get started with the Matrisk API today and unlock better insights for smarter insurance pricing! 🎉