diff --git a/src/Controller/CustomerAppAPI/InsuranceController.php b/src/Controller/CustomerAppAPI/InsuranceController.php
index a32e67c0..168f572a 100644
--- a/src/Controller/CustomerAppAPI/InsuranceController.php
+++ b/src/Controller/CustomerAppAPI/InsuranceController.php
@@ -72,13 +72,28 @@ class InsuranceController extends ApiController
             //'orcr_file', // this is a file
 
             // mv_type_id specific fields
-            'vehicle_use_type', // accepted values are: 'commercial', 'private'
+            //'vehicle_use_type', // not required, only show field if mv_type_id is not in [4, 13]. accepted values are: 'commercial', 'private'
         ]);
 
         if (!$validity['is_valid']) {
             return new ApiResponse(false, $validity['error']);
         }
 
+        // conditionally require is_public or vehicle_use_type
+        switch ($req->request->get('mv_type_id')) {
+            case 4:
+            case 13:
+                if (empty($req->request->get('is_public'))) {
+                    return new ApiResponse(false, 'Missing required parameter(s): is_public is required when mv_type_id is in [4, 13]');
+                }
+                break;
+            default:
+                if (empty($req->request->get('vehicle_use_type'))) {
+                    return new ApiResponse(false, 'Missing required parameter(s): vehicle_use_type is required when mv_type_id is not in [4, 13]');
+                }
+                break;
+        }
+
         // require the orcr file
         if ($req->files->get('orcr_file') === null) {
             return new ApiResponse(false, 'Missing required file: orcr_file');