Insurers

What does the State know about the vehicle you insure?

Underwriting, claims, broker verification and litigation query records that already exist: RUNT, SIMIT, the SOAT at APESEG and SBS, RUES, the Rama Judicial. Croma delivers them as one API with the source behind every field.

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Colombian vehicle by plate

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Six characters, no spaces or dashes: three letters, two digits and a final character, a digit for cars or a letter for motorcycles.

The registered owner's document number, no dots or spaces. 3 to 30 characters.

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Four questions an insurer asks the State

Before issuing a vehicle policy you need to know which vehicle it is: class, make, line, model, VIN, whether RUNT records a lien in favor of a bank and when the last SOAT expired. When the claim arrives, the question changes: whether the plate had a valid SOAT that day, which insurer issued it, how many accidents it has accumulated in five years according to SBS and which traffic tickets it carries in SIMIT. With brokers and insured businesses, whether they exist, who represents them and whether their registration is still active. And with the litigation portfolio, in which case the insurer appears as a party, before which court and which filing was published yesterday.

Croma answers each one from the official registry that produces it: RUNT and SIMIT by plate in Colombia; APESEG, SBS, SUTRAN and SAT de Lima by plate in Peru; RUES by NIT and SUNAT by RUC for businesses; the Rama Judicial by name or by radicado for court cases. Everything arrives as JSON with the same shape, with the source that produced it, ready for the underwriting engine or the adjuster.

Workflow

What this team queries, and in what order

  1. 01

    Vehicle underwriting and claims

    RUNT and SIMIT in Colombia; APESEG, SBS, SUTRAN, SAT de Lima and Callao in Peru. Vehicle record, liens, SOAT validity, claims history, traffic tickets and papeletas, all by plate.

    See the solution
  2. 02

    Brokers and insured businesses

    RUES and Supersociedades by NIT in Colombia; SUNAT by RUC in Peru; SIEM in Mexico. Existence, registration status, legal representative and reported figures before issuing or renewing.

    See the solution
  3. 03

    Counterparty and claimant screening

    Procuraduría, Contraloría, Contaduría and SECOP sanctions by cédula or NIT; OFAC by name. Lists and records with a legitimate purpose, before paying a claim or signing with a supplier.

    See the solution
  4. 04

    Litigation against the insurer

    Rama Judicial by entity name and by radicado in batch, SAMAI and Consejo de Estado for administrative litigation, SICAAC for the insolvency of an insured or a claimant.

    See the solution
Outcomes

What changes with the official record in the flow

  • Underwriting without declared data

    The plate is enough to pull the RUNT record: class, model, VIN, liens and the SOAT and roadworthiness inspection history. The insured never retypes what the registry already knows.

  • Claims with the exact date

    In Peru, APESEG says whether the SOAT was VIGENTE, VENCIDO or ANULADO and which company issued it; SBS adds up the accidents covered in the last five years. Two sources, one plate, no phone calls.

  • Litigation detected the day it is published

    Cases where the insurer appears as a party are searched by name in the Rama Judicial and followed by radicado, in batch, with every new filing and the court that published it.

Compliance

What the fraud and compliance team is going to ask

The records Croma queries are public: the vehicle record, the SOAT validity, the traffic tickets, the court cases. When the lookup identifies an individual, a claimant, a driver or a policyholder, Ley 1581 de 2012 in Colombia and Ley 29733 in Peru require a legitimate purpose; fraud prevention and claim settlement are purposes the insurer defines and supports, not the API. Croma returns the record exactly as the source publishes it, with its provenance, and answers found: false when there is nothing, so the claim file stays traceable. The API encrypts in transit, controls access by key and logs every request for audit.

  • Official sources only

    Every answer names the official registry that produced it. Nothing comes from purchased databases or third-party summaries.

  • Results that are never indexed

    In the free tools the query and the result live in your browser, never in a URL. In the API: encryption in transit, access control and audit logging.

  • Personal data, with rules

    Lookups on individuals require a legitimate purpose under each country's law: Ley 1581 in Colombia, LFPDPPP in Mexico, Ley 29733 in Peru, LGPD in Brazil. Croma delivers the record; the purpose and the legal basis are yours.

  • A stable contract

    Every field is documented in the OpenAPI, with a 90-day deprecation policy and Deprecation and Sunset headers before anything is retired.

Customers
IncomercioBanco Finandina

Frequently asked questions

In Colombia, the RUNT record: class, make, line, model, color, engine displacement, VIN, transit authority, registration date, the SOAT and roadworthiness inspection history, and the registered liens with the creditor's name. SIMIT adds the pending traffic tickets and fines with the amount due. In Peru, APESEG returns the SOAT certificate with insurer, policy number and coverage dates.

With the SBS report: how many accidents the SOAT of that plate covered in the last five years and every registered policy with its insurer, its status (VIGENTE, VENCIDA or ANULADA) and the remark when it was cancelled. APESEG answers the other question: whether today's certificate is valid and which vehicle appears on it. They are two endpoints and they usually run together.

Yes. In Colombia, RUES returns by NIT the legal name, the chamber of commerce, the registration status, the last renewed year and the representatives; Supersociedades adds the financial statements of the companies it supervises and SICAAC says whether there is an open reorganization. In Peru, SUNAT summarizes the RUC status (activo, baja) and the address condition (habido, no habido).

Yes. The search by name in the Rama Judicial lists the cases where the entity appears, with radicado, court and latest filing. With those 23-digit radicados, the batch endpoint reviews the whole litigation portfolio and returns the new filings; long jobs answer by status_url or by webhook. SAMAI covers what is processed before the Consejo de Estado.

You can look up by cédula what the Policía, the Procuraduría and the Contraloría publish, and by name the OFAC lists, always with a legitimate purpose under Ley 1581 de 2012. If the person has no entries, the endpoint answers found: false, a definitive answer from the source, not an error. Nothing you query in the free tools is stored in a URL.

Other industries

Bring the official record to underwriting and claims

One key covers the plate, the business, the lists and the court cases in Colombia and Peru, and the rest of the catalog in five countries. Try the lookup by plate for free or book a demo with your cases.

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