Add nuxt-skills and update auto quotes to use new policy API structure

- Add nuxt-skills (vue, nuxt, nuxt-ui) to .claude/skills/
- Create useCustomerSelection() composable for managing insured/buyer selection
- Create usePolicyApi() composable for policy API operations
- Update auto quote components to use insured/buyer instead of client
- Update vehicle fields: remove valorVehiculo, add market_value, requested_value, rc_limits
- Make chassis_number and engine_number optional
- Update auto quote types and composables to match new API structure
- Update auto quote page to submit to policy API with new structure

.claude/skills/nuxt/references/nuxt-components.md

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+# Nuxt Built-in Components
+
+## When to Use
+
+Working with images, links, or time display in templates. **Always prefer Nuxt components over HTML elements.**
+
+## Component Preferences
+
+| HTML Element | Nuxt Component | Why                                    |
+| ------------ | -------------- | -------------------------------------- |
+| `<a>`        | `<NuxtLink>`   | Client-side navigation, prefetching    |
+| `<img>`      | `<NuxtImg>`    | Optimization, lazy loading, responsive |
+| `<time>`     | `<NuxtTime>`   | SSR-safe formatting, localization      |
+
+## NuxtLink
+
+**ALWAYS use `<NuxtLink>` instead of `<a>` for internal links:**
+
+```vue
+<template>
+  <!-- Internal navigation -->
+  <NuxtLink to="/about">About</NuxtLink>
+  <NuxtLink :to="{ name: '/users/[userId]', params: { userId } }">Profile</NuxtLink>
+
+  <!-- External links (uses target="_blank" automatically with external) -->
+  <NuxtLink to="https://nuxt.com" external>Nuxt Docs</NuxtLink>
+
+  <!-- Prefetch control -->
+  <NuxtLink to="/dashboard" :prefetch="false">Dashboard</NuxtLink>
+
+  <!-- Active state styling -->
+  <NuxtLink to="/settings" active-class="text-primary" exact-active-class="font-bold">
+    Settings
+  </NuxtLink>
+</template>
+```
+
+**Props:**
+
+- `to` - Route path or route object
+- `external` - Force external link behavior
+- `target` - Link target (`_blank`, etc.)
+- `prefetch` - Enable/disable prefetching (default: true)
+- `noPrefetch` - Disable prefetching
+- `activeClass` - Class when route matches
+- `exactActiveClass` - Class when route exactly matches
+
+**Docs:** https://nuxt.com/docs/api/components/nuxt-link
+
+## NuxtImg
+
+**ALWAYS use `<NuxtImg>` instead of `<img>` for images:**
+
+Requires `@nuxt/image` module (usually pre-installed).
+
+```vue
+<template>
+  <!-- Basic usage -->
+  <NuxtImg src="/images/hero.jpg" alt="Hero image" />
+
+  <!-- Responsive with sizes -->
+  <NuxtImg
+    src="/images/banner.jpg"
+    alt="Banner"
+    width="1200"
+    height="600"
+    sizes="100vw sm:50vw md:400px"
+  />
+
+  <!-- Lazy loading (default) -->
+  <NuxtImg src="/images/photo.jpg" loading="lazy" alt="Photo" />
+
+  <!-- Eager loading for above-fold -->
+  <NuxtImg src="/images/logo.svg" loading="eager" alt="Logo" />
+
+  <!-- With placeholder blur -->
+  <NuxtImg src="/images/product.jpg" placeholder alt="Product" />
+
+  <!-- Provider-specific (Cloudinary, etc.) -->
+  <NuxtImg provider="cloudinary" src="/folder/image.jpg" width="500" />
+
+  <!-- Format conversion -->
+  <NuxtImg src="/images/photo.png" format="webp" alt="Photo" />
+</template>
+```
+
+**Props:**
+
+- `src` - Image source path
+- `alt` - Alt text (required for accessibility)
+- `width` / `height` - Dimensions
+- `sizes` - Responsive sizes
+- `loading` - `lazy` (default) or `eager`
+- `placeholder` - Show blur placeholder while loading
+- `format` - Force output format (`webp`, `avif`, etc.)
+- `quality` - Image quality (1-100)
+- `provider` - Image provider (cloudinary, imgix, etc.)
+
+**For art direction, use `<NuxtPicture>` (different sources per breakpoint).**
+
+**Docs:** https://image.nuxt.com/usage/nuxt-img
+
+## NuxtTime
+
+**ALWAYS use `<NuxtTime>` instead of `<time>` or manual formatting:**
+
+```vue
+<template>
+  <!-- Relative time -->
+  <NuxtTime :datetime="post.createdAt" relative />
+  <!-- Output: "2 hours ago" -->
+
+  <!-- Absolute with locale -->
+  <NuxtTime :datetime="event.date" locale="en-US" />
+
+  <!-- Custom format -->
+  <NuxtTime :datetime="date" year="numeric" month="long" day="numeric" />
+  <!-- Output: "December 6, 2025" -->
+
+  <!-- Short format -->
+  <NuxtTime :datetime="date" month="short" day="numeric" />
+  <!-- Output: "Dec 6" -->
+
+  <!-- With time -->
+  <NuxtTime :datetime="date" hour="numeric" minute="2-digit" />
+</template>
+```
+
+**Props:**
+
+- `datetime` - Date string, Date object, or timestamp
+- `relative` - Show relative time ("2 hours ago")
+- `locale` - Locale for formatting
+- `year`, `month`, `day`, `hour`, `minute`, `second` - Intl.DateTimeFormat options
+
+**Docs:** https://nuxt.com/docs/api/components/nuxt-time
+
+## Common Mistakes
+
+| ❌ Wrong                              | ✅ Right                                 |
+| ------------------------------------- | ---------------------------------------- |
+| `<a href="/about">`                   | `<NuxtLink to="/about">`                 |
+| `<img src="/photo.jpg">`              | `<NuxtImg src="/photo.jpg" alt="...">`   |
+| `<time>{{ formatDate(date) }}</time>` | `<NuxtTime :datetime="date" />`          |
+| `formatTimeAgo(date)` in template     | `<NuxtTime :datetime="date" relative />` |
+| `new Date().toLocaleDateString()`     | `<NuxtTime :datetime="date" />`          |
+
+## Best Practices
+
+- **NuxtLink for all internal routes** - enables prefetching and client-side navigation
+- **NuxtImg for all images** - automatic optimization, lazy loading, responsive
+- **NuxtTime for all dates** - SSR-safe, automatic localization
+- **Always provide alt text** for images
+- **Use `loading="eager"`** for above-the-fold images
+- **Use sizes prop** for responsive images
+
+## Resources
+
+- NuxtLink: https://nuxt.com/docs/api/components/nuxt-link
+- NuxtImg: https://image.nuxt.com/usage/nuxt-img
+- NuxtPicture: https://image.nuxt.com/usage/nuxt-picture
+- NuxtTime: https://nuxt.com/docs/api/components/nuxt-time