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/vue/references/utils-client.md

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+# Client Utilities
+
+Pure functions for formatting, validation, transformation, and parsing.
+
+## Quick Reference
+
+| Category     | Examples                                      |
+| ------------ | --------------------------------------------- |
+| Formatters   | `formatCurrency`, `formatDate`, `formatBytes` |
+| Validators   | `isValidEmail`, `isValidUrl`, `isValidPhone`  |
+| Transformers | `slugify`, `truncate`, `capitalize`           |
+| Parsers      | `parseQuery`, `parseJSON`, `parseDate`        |
+
+## Rules
+
+**Pure functions:**
+
+- Same input → same output
+- No side effects
+- No external state mutation
+- No API calls, no refs, no reactive
+
+**When NOT to use utils:**
+
+- Stateful logic → use composables
+- Vue-specific → use composables
+- Component logic → keep in component
+- API calls → use queries
+
+## Structure
+
+```ts
+// utils/formatters.ts
+export function formatCurrency(amount: number, currency = 'USD'): string {
+  return new Intl.NumberFormat('en-US', {
+    style: 'currency',
+    currency,
+  }).format(amount)
+}
+
+export function formatRelativeTime(date: Date): string {
+  const rtf = new Intl.RelativeTimeFormat('en', { numeric: 'auto' })
+  const diff = date.getTime() - Date.now()
+  const days = Math.floor(diff / (1000 * 60 * 60 * 24))
+  return rtf.format(days, 'day')
+}
+```
+
+**Naming:** Descriptive verbs (`formatCurrency`, `validateEmail`, `parseQuery`)
+**Organization:** Group by category (`formatters.ts`, `validators.ts`)
+**Exports:** Named exports only
+
+## Examples by Category
+
+**Formatters:**
+
+```ts
+// utils/formatters.ts
+export function formatBytes(bytes: number): string { ... }
+export function formatPhone(phone: string): string { ... }
+```
+
+**Validators:**
+
+```ts
+// utils/validators.ts
+export function isValidEmail(email: string): boolean {
+  return /^[^\s@]+@[^\s@][^\s.@]*\.[^\s@]+$/.test(email)
+}
+
+export function isValidUrl(url: string): boolean {
+  try { new URL(url); return true }
+  catch { return false }
+}
+```
+
+**Transformers:**
+
+```ts
+// utils/transformers.ts
+export function slugify(text: string): string {
+  return text.toLowerCase()
+    .replace(/[^\w\s-]/g, '')
+    .replace(/\s+/g, '-')
+}
+
+export function truncate(text: string, length: number): string {
+  return text.length > length ? `${text.slice(0, length)}...` : text
+}
+```
+
+**Parsers:**
+
+```ts
+// utils/parsers.ts
+export function parseQuery(search: string): Record<string, string> {
+  return Object.fromEntries(new URLSearchParams(search))
+}
+
+export function parseJSON<T>(json: string, fallback: T): T {
+  try { return JSON.parse(json) }
+  catch { return fallback }
+}
+```
+
+## Common Mistakes
+
+**Side effects (not pure):**
+
+```ts
+// ❌ Wrong - mutates external state
+let count = 0
+export function increment() {
+  count++
+  return count
+}
+
+// ✅ Correct - pure
+export function add(a: number, b: number): number {
+  return a + b
+}
+```
+
+**Using utils for stateful logic:**
+
+```ts
+// ❌ Wrong - should be composable
+export function useCounter() { ... }
+
+// ✅ Correct - pure transformation
+export function formatCount(count: number): string { ... }
+```
+
+## Organization
+
+**Flat for small projects:**
+
+```
+utils/
+├── formatters.ts
+├── validators.ts
+└── transformers.ts
+```
+
+**Nested for large projects:**
+
+```
+utils/
+├── formatters/
+│   ├── date.ts
+│   ├── currency.ts
+│   └── index.ts
+└── validators/
+    ├── email.ts
+    └── index.ts
+```