XML vs JSON

xmlvjson

<?xml version="1.0" encoding="utf-16"?>
<PersAutoPolicy xmlns:i="http://www.w3.org/2001/XMLSchema-instance">
  <Coverages>
    <Coverage>
      <Cost>15.0</Cost>
      <Deductible></Deductible>
      <IsDiscount>false</IsDiscount>
      <Limit>1000</Limit>
      <Name>MP</Name>
      <Option></Option>
    </Coverage>
    <Coverage>
      <Cost>41.0</Cost>
      <Deductible></Deductible>
      <IsDiscount>false</IsDiscount>
      <Limit>25/50</Limit>
      <Name>UMBI</Name>
      <Option></Option>
    </Coverage>
    <Coverage>
      <Cost>134.0</Cost>
      <Deductible></Deductible>
      <IsDiscount>false</IsDiscount>
      <Limit></Limit>
      <Name>BI</Name>
      <Option></Option>
    </Coverage>
    <Coverage>
      <Cost>120.0</Cost>
      <Deductible></Deductible>
      <IsDiscount>false</IsDiscount>
      <Limit></Limit>
      <Name>PD</Name>
      <Option></Option>
    </Coverage> ....
=================================================================================
{
    "ForRenewal": false,
    "Origin": 1,
    "Policy": {
        "LineOfBusinessName": "Auto",
        "LineOfBusinessCd": 12,
        "NonOwnerCd": 0,
        "PayPlanTypeCd": 0,
        "GarageZip": "31643",
        "CountyName": "BROOKS",
        "ZipRec": 1644,
        "CountyNum": 14,
        "MonthsResidence": 0,
        "ClaimFree": 0,
        "ContinuousCvg": 0,
        "AssumedCreditCd": 1,
        "HomeOwnerStatusCd": 0,
        "AutoClubFinanced": 0.0,
        "AutoClubNotFinanced": 0.0,
        "Drivers": [
            {
             "Name": {
                    "LastName": "MCCOGGLE",
                    "FirstName": "CHRISTOPHER",
                    "MiddleName": "L",
                    "TitlePrefix": "",
                    "NameSuffix": "",
                    "NickName": ""
                },
                "GenderCd": 1,