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

app/pages/quotes/auto/index.vue

@@ -1,6 +1,8 @@
 <script setup lang="ts">
 import { emptyAutoQuoteDraft } from '~/composables/useAutoQuoteDraft'
 import type { AutoQuoteIntakePayload, AutoQuoteMode, AutoQuoteSegment } from '~/types/auto-quote-intake'
+import { useCustomerSelection } from '~/composables/useCustomerSelection'
+import { usePolicyApi } from '~/composables/usePolicyApi'
 
 /** Client-only: many Nuxt UI fields on this screen can stall hydration / main thread if SSR + client fight */
 definePageMeta({ ssr: false })
@@ -26,6 +28,192 @@ const draft = reactive(emptyAutoQuoteDraft())
 const toast = useToast()
 const { quoteRequestEmailEnabled } = useQuoteRequestEmailEnabled()
 
+// Use customer selection composable
+const {
+  insured,
+  buyer,
+  isInsuredValid,
+  isBuyerValid,
+  validationErrors
+} = useCustomerSelection()
+
+// Use policy API composable
+const { submitPolicyQuote } = usePolicyApi()
+
+const modeCards: { id: AutoQuoteMode; title: string; hint: string; icon: string }[] = [
+  {
+    id: 'single',
+    title: 'Single quote',
+    hint: 'One package — we'll email carriers' quoting inboxes on file.',
+    icon: 'i-heroicons-document-text'
+  },
+  {
+    id: 'comparative_pdf',
+    title: 'Comparative quote',
+    hint: 'Same vehicle facts; prep plan comparisons and enter premiums when emails arrive.',
+    icon: 'i-heroicons-document-duplicate'
+  }
+]
+
+const segmentCards: { id: AutoQuoteSegment; title: string; hint: string; icon: string }[] = [
+  {
+    id: 'individual',
+    title: 'Individual',
+    hint: 'Personal auto.',
+    icon: 'i-heroicons-user'
+  },
+  {
+    id: 'corporate',
+    title: 'Corporate',
+    hint: 'Business or group.',
+    icon: 'i-heroicons-building-office-2'
+  },
+  {
+    id: 'fleet',
+    title: 'Fleet',
+    hint: 'Fleet program.',
+    icon: 'i-heroicons-truck'
+  }
+]
+
+function canProceedFromSetup() {
+  if (!draft.quoteMode) {
+    toast.add({ title: 'Choose a quote type', description: 'Single or comparative.', color: 'warning' })
+    return false
+  }
+  if (!draft.segment) {
+    toast.add({ title: 'Choose policy type', description: 'Individual, corporate, or fleet.', color: 'warning' })
+    return false
+  }
+  if (!isInsuredValid.value) {
+    toast.add({
+      title: 'Complete insured information',
+      description: `Missing: ${validationErrors.value.insured.join(', ')}`,
+      color: 'warning'
+    })
+    return false
+  }
+  if (!isBuyerValid.value) {
+    toast.add({
+      title: 'Complete buyer information',
+      description: `Missing: ${validationErrors.value.buyer.join(', ')}`,
+      color: 'warning'
+    })
+    return false
+  }
+  return true
+}
+
+function canProceedFromSolicit() {
+  if (draft.solicit.carrierIds.length === 0 || draft.solicit.planIds.length === 0) {
+    toast.add({
+      title: 'Choose carriers and plans',
+      description: 'Select at least one insurance company and one coverage package.',
+      color: 'warning'
+    })
+    return false
+  }
+  return true
+}
+
+function goToStep(target: StepId) {
+  const ti = STEP_ORDER.indexOf(target)
+  if (ti > maxStepIndex.value) return
+  step.value = target
+}
+
+function onStepPillClick(stepIndex: number, target: StepId) {
+  if (stepIndex > maxStepIndex.value) return
+  goToStep(target)
+}
+
+function goPrev() {
+  const i = STEP_ORDER.indexOf(step.value)
+  if (i <= 0) return
+  step.value = STEP_ORDER[i - 1]!
+}
+
+function goNext() {
+  const i = STEP_ORDER.indexOf(step.value)
+  if (step.value === 'setup' && !canProceedFromSetup()) return
+  if (step.value === 'solicit' && !canProceedFromSolicit()) return
+  if (i >= STEP_ORDER.length - 1) return
+  const next = STEP_ORDER[i + 1]!
+  step.value = next
+  maxStepIndex.value = Math.max(maxStepIndex.value, i + 1)
+}
+
+function buildPayload(): AutoQuoteIntakePayload {
+  return {
+    policy_type: 'car',
+    insured: insured.value,
+    buyer: buyer.value,
+    policy_details: { ...draft.vehicle },
+    selected_providers: draft.solicit.carrierIds.map(id => ({
+      provider_id: id,
+      email: getProviderEmail(id)
+    }))
+  }
+}
+
+function getProviderEmail(providerId: string): string {
+  // This would come from the providers API
+  // For now, return a placeholder
+  return `quotes@${providerId}.com`
+}
+
+async function finalize() {
+  if (!draft.quoteMode || !draft.segment) return
+  if (intakeBusy.value) return
+  intakeBusy.value = true
+  try {
+    const payload = buildPayload()
+    const emailOn = quoteRequestEmailEnabled.value
+
+    if (payload.quoteMode === 'comparative_pdf') {
+      toast.add({
+        title: emailOn ? 'Quote requests queued' : 'Comparative run saved',
+        description: emailOn
+          ? 'Opening the comparative sheet. Provider emails follow your Settings → Quote requests toggle.'
+          : 'Emails to providers are disabled — comparative layout saved for manual or table pricing.',
+        color: 'success'
+      })
+      await nextTick()
+      await navigateTo({
+        path: '/quotes/compare',
+        query: { from: 'auto', segment: payload.segment }
+      })
+      return
+    }
+
+    // Submit to policy API
+    const data = await submitPolicyQuote(payload)
+    
+    toast.add({
+      title: emailOn ? 'Quote requests recorded' : 'Quote run saved (no emails)',
+      description: emailOn
+        ? 'Requests can be sent to carrier quoting addresses on file when your integration is on.'
+        : 'Outbound provider email is off in Settings — this request stays in-app for tables, APIs, or AI.',
+      color: 'success'
+    })
+    
+    // Navigate to policy detail page
+    await navigateTo(`/policies/${data.application_id}`)
+  } finally {
+    intakeBusy.value = false
+  }
+}
+
+const step = ref<StepId>('setup')
+/** Highest step index the user has reached (for stepper — no reactive watch loops) */
+const maxStepIndex = ref(0)
+const intakeBusy = ref(false)
+
+const draft = reactive(emptyAutoQuoteDraft())
+
+const toast = useToast()
+const { quoteRequestEmailEnabled } = useQuoteRequestEmailEnabled()
+
 const modeCards: { id: AutoQuoteMode; title: string; hint: string; icon: string }[] = [
   {
     id: 'single',