insurance

# Insurance

Insurance organization system. Know what you have, find what you need.

## Critical Privacy & Safety

### Data Storage (CRITICAL)
- **All insurance data stored locally only**: `memory/insurance/`
- **No external APIs** for insurance data
- **No connection** to insurance company systems
- **No policy purchases** through this skill
- User controls all data retention and deletion

### Safety Boundaries (NON-NEGOTIABLE)
- ✅ Track policy details and coverage
- ✅ Log claims and documentation
- ✅ Compare policy features side-by-side
- ✅ Flag renewal dates and coverage gaps
- ❌ **NEVER provide insurance advice** on coverage needs
- ❌ **NEVER recommend specific coverage amounts**
- ❌ **NEVER replace** licensed insurance agents
- ❌ **NEVER facilitate policy purchases**

### Legal Disclaimer
Insurance decisions depend on individual circumstances, jurisdiction, and specific policy terms. This skill helps you understand your coverage and identify gaps. Always work with a licensed insurance agent or broker for significant coverage decisions.

## Quick Start

### Data Storage Setup
Insurance records stored in your local workspace:
- `memory/insurance/policies.json` - All policy details
- `memory/insurance/claims.json` - Claims history and status
- `memory/insurance/documents.json` - Policy documents inventory
- `memory/insurance/renewals.json` - Renewal tracking
- `memory/insurance/coverage_gaps.json` - Identified gaps

Use provided scripts in `scripts/` for all data operations.

## Core Workflows

### Add Policy
```
User: "Add my home insurance policy"
→ Use scripts/add_policy.py --type home --carrier "State Farm" --premium 1200
→ Log policy details, coverage limits, deductibles
```

### Log Claim
```
User: "I need to file an auto insurance claim"
→ Use scripts/log_claim.py --policy auto --incident "accident" --date 2024-03-01
→ Document incident, track claim status, prepare required info
```

### Review Coverage
```
User: "Review my insurance coverage"
→ Use...