Sigo Seguros car insurance quotes

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'chosen_quote_id', 'answers', 'locale'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'answers': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'value'], 'properties': {'code': {'type': 'string', 'minLength': 1, 'description': "The question's code, exactly as it came back."}, 'value': {'anyOf': [{'type': 'string', 'maxLength': 500}, {'type': 'boolean'}], 'description': 'What the customer answered.'}}, 'additionalProperties': False}, 'minItems': 1, 'description': 'What the customer said, in their own answers. Never filled in on their behalf.'}, 'quote_id': {'type': 'string', 'minLength': 1, 'description': 'The handle start_quote returned.'}, 'answers_so_far': {'type': 'string', 'description': 'The `answers_so_far` from the previous call, when there was one. It carries what the customer already answered, so only the new answer needs to go in `answers`. It survives a re-quote: after start_quote with revise_of, send the same token with the new quote_id and the answers still stand, as long as the carrier is the same one. Nobody has to be asked twice.'}, 'chosen_quote_id': {'type': 'string', 'minLength': 1, 'description': 'The estimate the customer picked.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['answered', 'filed', 'still_needed', 'answers_so_far', 'note', 'next_call', 'next_step'], 'properties': {'note': {'type': 'string', 'description': "What is done and what is still ahead, in the customer's language."}, 'filed': {'type': 'boolean', 'description': 'True once the carrier has the whole set. The carrier takes it whole or not at all, so answers are held until every required question has one.'}, 'answered': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': "How many of the carrier's questions have an answer so far, counting the earlier turns."}, 'next_call': {'type': ['string', 'null'], 'description': 'Exactly what to call next, with its arguments, when something follows here; null otherwise.'}, 'next_step': {'type': 'object', 'required': ['action', 'url', 'note'], 'properties': {'url': {'type': 'string'}, 'note': {'type': 'string'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'description': 'Paying and signing happen here, not in this conversation.', 'additionalProperties': False}, 'still_needed': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The codes of the required questions with no answer yet. Empty when the set is complete.'}, 'answers_so_far': {'type': ['string', 'null'], 'description': 'Everything answered up to now, to pass back on the next call so nothing is lost. Null once the carrier has the set and there is nothing left to carry.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'answers', 'locale'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'answers': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'value'], 'properties': {'code': {'type': 'string', 'minLength': 1, 'description': "The question's code, exactly as it came back."}, 'value': {'anyOf': [{'type': 'string', 'maxLength': 500}, {'type': 'boolean'}], 'description': 'What the customer answered.'}}, 'additionalProperties': False}, 'minItems': 1, 'description': 'What the customer said, in their own answers. Never filled in on their behalf.'}, 'quote_id': {'type': 'string', 'minLength': 1, 'description': 'The handle start_quote returned.'}, 'answers_so_far': {'type': 'string', 'description': 'The `answers_so_far` from the previous call, when there was one: it carries what the customer already answered, so only the new answers need to go in `answers`.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['answered', 'filed', 'still_needed', 'answers_so_far', 'note', 'next_step'], 'properties': {'note': {'type': 'string', 'description': "What is done and what is still ahead, in the customer's language."}, 'filed': {'type': 'boolean', 'description': 'True once the whole pass is filed and the cheapest of the other carriers is selected.'}, 'answered': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': "How many of the carrier's questions have an answer so far, counting the earlier turns."}, 'next_step': {'type': 'object', 'required': ['action', 'url', 'note'], 'properties': {'url': {'type': 'string'}, 'note': {'type': 'string'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'description': 'Paying and signing happen through the link, after an agent confirms.', 'additionalProperties': False}, 'still_needed': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The codes of the required questions with no answer yet. Empty when the set is complete.'}, 'answers_so_far': {'type': ['string', 'null'], 'description': 'Everything answered up to now, to pass back on the next call so nothing is lost. Null once the carrier has the set and there is nothing left to carry.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'chosen_quote_id', 'locale'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'quote_id': {'type': 'string', 'minLength': 1, 'description': 'The handle start_quote returned.'}, 'chosen_quote_id': {'type': 'string', 'minLength': 1, 'description': 'The `quote_id` of the estimate the customer picked, from the list they were shown.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['can_answer_here', 'still_needed', 'questions', 'ask_together', 'preamble', 'note', 'next_step'], 'properties': {'note': {'type': 'string', 'description': "How to put these, in the customer's language."}, 'preamble': {'type': ['string', 'null'], 'description': "Sigo's own words for the customer, to say as they are before the first question. Not one of the carrier's questions and not answered. Null when there is nothing to ask here."}, 'next_step': {'type': 'object', 'required': ['action', 'url', 'note'], 'properties': {'url': {'type': 'string'}, 'note': {'type': 'string'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'description': 'Where the customer finishes. Theirs at any point, not only at the end.', 'additionalProperties': False}, 'questions': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'wording', 'wording_language', 'answer_type', 'required', 'depends_on'], 'properties': {'code': {'type': 'string', 'description': 'Send the answer back under this code.'}, 'wording': {'type': 'string', 'description': "The carrier's own words, in the customer's language. Ask it as it is written: do not reword it, do not soften it, and do not turn it around. The customer is attesting to this for the record."}, 'required': {'type': 'boolean'}, 'depends_on': {'type': ['string', 'null'], 'description': 'The code of the question this one hangs off. Ask it only once that one is answered; null when it stands on its own.'}, 'answer_type': {'type': 'string', 'description': 'What kind of answer it takes, as the platform types it â\x80\x94 `yes_no` on every question seen so far. Send a boolean for those; anything else goes as text.'}, 'wording_language': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language `wording` is in, which is the conversation's own. A carrier with no wording in it is not answered here at all: `can_answer_here` is false and a Sigo agent takes it."}}, 'additionalProperties': False}, 'description': 'In the order the platform ranked them.'}, 'ask_together': {'type': 'array', 'items': {'type': 'array', 'items': {'type': 'string'}}, 'description': 'Codes that can be put to the customer in one turn, grouped the way the carrier groups them. Ask each block as one message and send its answers together. A question with `depends_on` is in no block: it gets its own turn, after the one it hangs off. Empty when there is nothing to ask here.'}, 'still_needed': {'anyOf': [{'type': 'array', 'items': {'type': 'string'}}, {'type': 'null'}], 'description': 'What the application still lacks, when that is why the questions are not here. An empty array means nothing is missing. Null means this is not about the application at all â\x80\x94 either the questions came back, or the carrier does not finish online here.'}, 'can_answer_here': {'type': 'boolean', 'description': 'False when there is nothing to ask here yet: the application is still missing details, or the carrier does not finish online in this state. Check `still_needed` to tell the two apart.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['said', 'locale'], 'properties': {'said': {'type': 'string', 'maxLength': 120, 'minLength': 1, 'description': "What the customer said they do, in their own words â\x80\x94 'chofer', 'trabajo en construcción'."}, 'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['matches', 'note'], 'properties': {'note': {'type': 'string', 'description': "What to do with this list, in the customer's language â\x80\x94 including when it comes back empty."}, 'matches': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}}, 'additionalProperties': False}, 'description': "The rater's entries that fit, best first. Pick the one that matches what the customer described and send its `code` as the driver's `occupation`."}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'default': 'es', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'quote_id': {'type': 'string', 'minLength': 1, 'description': 'The handle start_quote returned.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'status', 'more_carriers_pending', 'poll_after_seconds', 'pending_note', 'to_final_quote', 'cover_first', 'application', 'state', 'quoted_at', 'expires_at', 'quotes', 'problems', 'contact', 'covers', 'asked_for', 'revised_from_quote', 'price_levers', 'personal_use_note', 'carriers', 'issued_by'], 'properties': {'state': {'type': ['string', 'null']}, 'covers': {'type': 'object', 'required': ['vehicles', 'drivers', 'note'], 'properties': {'note': {'type': ['string', 'null'], 'description': 'Present from two vehicles up: say it with the prices, because one amount for a household reads as an amount per car. Null for a single vehicle, where the amount can only mean one thing.'}, 'drivers': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, 'vehicles': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'quotes': {'type': 'array', 'items': {'type': 'object', 'required': ['quote_id', 'carrier_name', 'estimate', 'quote_type', 'is_binding', 'disclaimer', 'next_step'], 'properties': {'estimate': {'type': 'object', 'required': ['currency', 'due_today', 'first_payment_note', 'monthly_payment', 'number_of_installments', 'total_for_term', 'total_note', 'term_months'], 'properties': {'currency': {'type': 'string', 'const': 'USD'}, 'due_today': {'type': 'number', 'description': 'What the customer pays today to start the policy. Not the policy total.'}, 'total_note': {'type': 'string', 'description': "What that total is and what it does not include. It travels with the number for the same reason the first payment's note does: a trailing sentence gets paraphrased away."}, 'term_months': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'Policy term in months, or null when the carrier did not report one. A 6-month and a 12-month quote are not comparable on the down payment alone, so do not rank on price without it.'}, 'total_for_term': {'type': 'number', 'description': 'What the payment plan adds up to over the term: the amount due today plus every instalment. Stated rather than left to be worked out â\x80\x94 an agent asked for the six-month total produced one of its own.', 'exclusiveMinimum': 0}, 'monthly_payment': {'type': 'number', 'exclusiveMinimum': 0}, 'first_payment_note': {'type': 'string', 'description': 'What the amount due today is, in words the customer hears. It is stated for every estimate, whichever of the two numbers is larger.'}, 'number_of_installments': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'quote_id': {'type': 'string'}, 'next_step': {'anyOf': [{'type': 'object', 'required': ['action', 'url'], 'properties': {'url': {'type': 'string', 'format': 'uri'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': 'Where the customer continues with Sigo â\x80\x94 present only once the list of prices is final. While carriers are still answering it is null, because a customer cannot choose from a list that is still filling.'}, 'disclaimer': {'type': 'object', 'required': ['text', 'show_verbatim'], 'properties': {'text': {'type': 'string', 'description': "The notice, in the customer's language."}, 'show_verbatim': {'type': 'boolean', 'const': True, 'description': 'This text goes to the customer as it is written, in the same answer as the price. It is short enough to fit: shortening it further drops the disclosure Sigo is required to make, and a summary of it is not that disclosure. It carries no instructions to the model and none to the customer.'}}, 'additionalProperties': False}, 'is_binding': {'type': 'boolean', 'const': False}, 'quote_type': {'type': 'string', 'const': 'estimate', 'description': "Always an estimate, in every round. No price the connector returns is final: the final quote is calculated by Sigo in the link, after the carrier's questions and before the customer pays."}, 'carrier_name': {'type': 'string', 'description': 'The carrier that issues this policy. Sigo is the agency, not the issuer.'}}, 'additionalProperties': False}}, 'status': {'enum': ['pending', 'partial', 'ready', 'failed'], 'type': 'string'}, 'contact': {'type': 'object', 'required': ['phone_collected_here', 'sigo_calls_customers', 'url', 'note'], 'properties': {'url': {'type': ['string', 'null'], 'description': 'Where the customer leaves a phone number for a Sigo agent. Present as soon as the list is final, whether or not anything was quoted; null only while carriers are still answering. This is the only way on from here â\x80\x94 do not offer another.'}, 'note': {'type': 'string', 'description': 'What to say when the customer asks to be called, in their language.'}, 'phone_collected_here': {'type': 'boolean', 'const': False, 'description': 'No phone number reaches this connector: the input schema has no field for one.'}, 'sigo_calls_customers': {'type': 'boolean', 'const': True, 'description': "Sigo's agents do call and text customers. What cannot happen is a call arranged from here, because this channel never has a number to call."}}, 'additionalProperties': False}, 'carriers': {'type': 'object', 'required': ['answered', 'catalogue_is_public', 'note'], 'properties': {'note': {'type': 'string', 'description': "What may be said about carriers, in the customer's language."}, 'answered': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The carriers that returned a price for this quote, and the only ones that may be named.'}, 'catalogue_is_public': {'type': 'boolean', 'const': False, 'description': 'Sigo publishes no list of the carriers it works with: it varies by state and by quote, and cannot be derived from this response. A carrier absent from `answered` is not thereby a carrier Sigo does not work with.'}}, 'additionalProperties': False}, 'problems': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'message'], 'properties': {'code': {'type': 'string'}, 'message': {'type': 'string', 'description': 'Customer-safe wording. Upstream carrier or configuration detail is never included.'}}, 'additionalProperties': False}}, 'quote_id': {'type': 'string', 'description': 'Pass this back to get_quote to read the result again.'}, 'asked_for': {'type': 'object', 'required': ['vehicles', 'drivers'], 'properties': {'drivers': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, 'vehicles': {'type': 'array', 'items': {'type': 'object', 'required': ['position', 'year', 'coverage_type', 'deductible'], 'properties': {'year': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, 'position': {'type': 'integer', 'maximum': 9007199254740991, 'description': '1-based, in the order start_quote received them.', 'exclusiveMinimum': 0}, 'deductible': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'Null for liability, or when none was given.'}, 'coverage_type': {'enum': ['liability', 'full_coverage'], 'type': 'string'}}, 'additionalProperties': False}, 'description': "Empty on a quote started before this field existed; then the agent's own record is the label."}}, 'description': 'Label each answer with this when comparing two quotes for the same customer, so "con deducible de 1000" is matched to the quote that asked for it.', 'additionalProperties': False}, 'issued_by': {'type': 'object', 'required': ['agency', 'role', 'underwrites_policies', 'pays_claims', 'charges_broker_fee'], 'properties': {'role': {'type': 'string', 'const': 'licensed insurance agency'}, 'agency': {'type': 'string', 'const': 'Sigo'}, 'pays_claims': {'type': 'boolean', 'const': False}, 'charges_broker_fee': {'type': 'boolean', 'description': "Whether Sigo charges this customer a broker fee, which depends on their state. True: a fee for the agency's service, on top of a commission from the carrier. False: Sigo charges them no fee at all. Either way it is not part of the amounts in this response â\x80\x94 those are the carrier's â\x80\x94 and cannot be derived from them: where there is one, it is itemised for the customer before purchase. An estimate is not the final cost of buying through Sigo."}, 'underwrites_policies': {'type': 'boolean', 'const': False}}, 'additionalProperties': False}, 'quoted_at': {'type': 'string', 'format': 'date-time', 'pattern': '^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$'}, 'expires_at': {'type': 'string', 'format': 'date-time', 'pattern': '^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$'}, 'application': {'type': 'object', 'required': ['complete', 'still_needed', 'note'], 'properties': {'note': {'type': 'string', 'description': "What to do about it, in the customer's language."}, 'complete': {'type': 'boolean', 'description': 'True when the application has everything RC3 needs. False while anything is missing.'}, 'still_needed': {'anyOf': [{'type': 'array', 'items': {'type': 'string'}}, {'type': 'null'}], 'description': 'What is missing, empty when nothing is. Null on a quote issued before this was recorded, where completeness is unknown rather than proven.'}}, 'additionalProperties': False}, 'cover_first': {'anyOf': [{'type': 'object', 'required': ['status', 'chosen_quote_id', 'confirmed_price', 'more_options_offered', 'poll_after_seconds', 'next_call', 'note'], 'properties': {'note': {'type': 'string', 'description': 'What to tell the customer and do next, in their language.'}, 'status': {'enum': ['rating', 'questions_pending', 'confirming', 'confirmed', 'declined', 'not_available'], 'type': 'string', 'description': 'rating: carriers still answering. questions_pending: ask carrier_questions for the one estimate shown. confirming: Sigo is confirming the price, read again. confirmed: the price is in confirmed_price and the customer pays in the link. declined / not_available: that option is not the answer; other_carrier_questions follows.'}, 'next_call': {'type': ['string', 'null'], 'description': 'Exactly what to call next, with its arguments; null when nothing is.'}, 'chosen_quote_id': {'type': ['string', 'null'], 'description': "The one estimate's quote_id, to pass to carrier_questions. Null when there is none."}, 'confirmed_price': {'anyOf': [{'type': 'object', 'required': ['currency', 'due_today', 'monthly_payment', 'total_for_term'], 'properties': {'currency': {'type': 'string', 'const': 'USD'}, 'due_today': {'type': 'number'}, 'total_for_term': {'type': 'number'}, 'monthly_payment': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': "The carrier's confirmed amounts, once confirmed. Still subject to eligibility and state rules."}, 'poll_after_seconds': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'While confirming: how long to wait before get_quote again.'}, 'more_options_offered': {'type': 'boolean', 'description': 'True when Sigo offers to look at the other carriers beside a confirmed price. Offer it once; other_carrier_questions is how, and only if the customer wants to compare.'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'pending_note': {'type': ['string', 'null'], 'description': "What to do while carriers are still answering, in the customer's language. Null once the list is final."}, 'price_levers': {'type': 'object', 'required': ['available', 'note'], 'properties': {'note': {'type': 'string', 'description': "How to answer the question, in the customer's language."}, 'available': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The only changes worth offering, and they re-quote: empty when this quote has none, and then the honest answer is that there is nothing to adjust at this step.'}}, 'additionalProperties': False}, 'to_final_quote': {'type': 'object', 'required': ['available', 'next_call', 'note', 'price_may_change'], 'properties': {'note': {'type': ['string', 'null'], 'description': 'What to tell the customer, in their language.'}, 'available': {'type': 'boolean', 'description': 'True once there are prices. There is always a next step towards the final quote.'}, 'next_call': {'type': ['string', 'null'], 'description': 'Exactly what to call next, with its arguments: `next_question` with stage second_round while the application is incomplete; `carrier_questions` with `quote_id` (this quote) and `chosen_quote_id` (the `quote_id` of the estimate the customer picked) once it is. Null before there are prices.'}, 'price_may_change': {'type': ['string', 'null'], 'description': "One line on what finishing can do to the price, in the customer's language. It never promises a better price, and never mentions a carrier that has not answered."}}, 'additionalProperties': False}, 'personal_use_note': {'type': ['string', 'null'], 'description': 'Present when the customer said the vehicle is used for work. Say it with the prices: this quote is personal auto. Null when they said nothing about it, and then the subject is not raised.'}, 'poll_after_seconds': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'How long to wait before calling get_quote again.'}, 'revised_from_quote': {'type': 'boolean', 'description': 'True when this quote re-quoted the same customer: started with revise_of, or for a customer who already quoted today and was still at their first round. One person, one application, priced again.'}, 'more_carriers_pending': {'type': 'boolean', 'description': 'True when more carriers may still return a price; the list is not final.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['locale'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}}}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['states', 'how_sigo_is_paid', 'state_is_decided_by', 'carriers'], 'properties': {'states': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'name'], 'properties': {'code': {'type': 'string', 'maxLength': 2, 'minLength': 2}, 'name': {'type': 'string'}}, 'additionalProperties': False}}, 'carriers': {'type': 'object', 'required': ['catalogue_is_public', 'note'], 'properties': {'note': {'type': 'string'}, 'catalogue_is_public': {'type': 'boolean', 'const': False, 'description': 'Sigo publishes no list of the carriers it works with: it varies by state and by quote. Which ones answered is known only once a quote has run, and only those may be named.'}}, 'additionalProperties': False}, 'how_sigo_is_paid': {'type': 'string', 'description': 'What to say when the customer asks what Sigo charges, in their language. No amount is in it.'}, 'state_is_decided_by': {'type': 'string', 'description': "Read this before asking for a ZIP. It says what decides the state a policy is rated in, in the customer's language, and it is the one thing this list does not say on its own."}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['locale'], 'properties': {'stage': {'enum': ['first_quote', 'second_round'], 'type': 'string', 'default': 'first_quote', 'description': 'Which stretch the conversation is in. `second_round` is for a customer who saw prices and wants to finish the application; it asks a different set, and the prices it leads to are still estimates.'}, 'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'answered': {'type': 'object', 'properties': {'vin': {'type': 'string', 'maxLength': 21, 'description': 'Second round. The VIN as the customer gave it, so the summary can read it back.'}, 'email': {'type': 'string'}, 'gender': {'type': 'string'}, 'address': {'type': 'string', 'description': 'Second round. Where the car is kept.'}, 'vehicle': {'type': 'object', 'required': ['year', 'make', 'model'], 'properties': {'make': {'type': 'string', 'maxLength': 40}, 'year': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, 'model': {'type': 'string', 'maxLength': 40}}, 'description': 'The car as the customer gave it, sent with `vehicle_described`. It settles nothing on its own; it is what the summary reads back.', 'additionalProperties': False}, 'coverage': {'enum': ['liability', 'full_coverage'], 'type': 'string'}, 'zip_code': {'type': 'string', 'description': 'The ZIP code, exactly as the customer gave it.'}, 'birthdate': {'type': 'string', 'description': 'YYYY-MM-DD.'}, 'education': {'type': 'string', 'description': 'Second round.'}, 'ownership': {'enum': ['owned', 'financed', 'leased'], 'type': 'string', 'description': 'Second round. Sending `financed` or `leased` is what brings up the lienholder.'}, 'deductible': {'type': 'integer', 'maximum': 9007199254740991, 'description': 'Only for full coverage.', 'exclusiveMinimum': 0}, 'occupation': {'type': 'string', 'description': 'Second round. The code from `find_occupation`.'}, 'driver_name': {'type': 'object', 'required': ['first_name', 'last_name'], 'properties': {'last_name': {'type': 'string', 'maxLength': 25}, 'first_name': {'type': 'string', 'maxLength': 25}}, 'description': 'The name, sent with `driver_named`, so the summary can read it back.', 'additionalProperties': False}, 'primary_use': {'type': 'string', 'description': "One of the rater's five."}, 'vin_settled': {'type': 'boolean', 'const': True, 'description': 'Second round. Send once every vehicle has its VIN.'}, 'driver_named': {'type': 'boolean', 'const': True, 'description': "Send once the driver's name is known."}, 'spouse_named': {'type': 'boolean', 'const': True, 'description': 'Send once the spouse is on the quote.'}, 'document_type': {'enum': ['us_license', 'foreign_license', 'us_id', 'foreign_id', 'consular_id', 'passport'], 'type': 'string', 'description': 'Which of the six it is, sent with `document_settled`, so the summary can read it back.'}, 'license_status': {'type': 'string', 'description': 'Second round.'}, 'marital_status': {'type': 'string', 'description': 'Sending `married` is what brings up the spouse.'}, 'months_licensed': {'type': 'integer', 'maximum': 9007199254740991, 'description': 'Second round.', 'exclusiveMinimum': 0}, 'document_settled': {'type': 'boolean', 'const': True, 'description': 'Send once the identity document is settled, including a customer who gave none.'}, 'household_drivers': {'type': 'array', 'items': {'type': 'string', 'maxLength': 51}, 'maxItems': 4, 'description': 'Second round. The others in the home by name, sent with `household_drivers_settled`; an empty list when there is nobody. Read back in the summary.'}, 'vehicle_described': {'type': 'boolean', 'const': True, 'description': 'Send once year, make and model are all known.'}, 'lienholder_settled': {'type': 'boolean', 'const': True, 'description': 'Second round. Send once the loan holder is settled.'}, 'uninsured_motorist': {'type': 'boolean'}, 'has_prior_insurance': {'type': 'boolean'}, 'primary_driver_settled': {'type': 'boolean', 'const': True, 'description': 'Send once who drives the car most is settled.'}, 'prior_coverage_settled': {'type': 'boolean', 'const': True, 'description': 'Second round. Send once both the months covered and the expiry are known.'}, 'household_drivers_settled': {'type': 'boolean', 'const': True, 'description': 'Second round. Send once the household has been asked about, whoever the answer added.'}}, 'description': 'Only what the customer said this turn. Everything from earlier turns is already in `collected` and must not be repeated here.', 'additionalProperties': False}, 'collected': {'type': 'string', 'description': 'The `collected` from the previous call. Leave it out on the first question of a conversation and send it on every call after that: it carries everything answered so far, so nothing has to be repeated and nothing is lost.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['field', 'ask', 'options', 'answer_as', 'ready_to_quote', 'collected', 'summary'], 'properties': {'ask': {'type': 'string', 'description': 'The question, ready to put to the customer, in their language.'}, 'field': {'type': 'string', 'description': 'The question being asked, by name. Not the key to answer under: that is `answer_as.key`.'}, 'options': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Every choice the customer may pick, when the field has a fixed set.'}, 'summary': {'anyOf': [{'type': 'array', 'items': {'type': 'object', 'required': ['field', 'answer'], 'properties': {'field': {'type': 'string'}, 'answer': {'type': 'string'}}, 'additionalProperties': False}}, {'type': 'null'}], 'description': 'What the customer has answered, to read back to them for confirmation. Present only once `ready_to_quote` is true; null while there are still questions to ask.'}, 'answer_as': {'anyOf': [{'type': 'object', 'required': ['key', 'type'], 'properties': {'key': {'type': 'string', 'description': 'The exact key to send this answer under in `answered` on the next call.'}, 'type': {'enum': ['string', 'integer', 'boolean', 'enum', 'mark'], 'type': 'string', 'description': "The value's shape. `mark` means send `true` once the matter is settled; the details themselves (a name, a VIN, a spouse) go to start_quote, not here."}, 'values': {'type': 'array', 'items': {'type': 'string'}, 'description': 'For `enum`: the only values accepted, in English.'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': 'How to send the answer back. Null on the closing step, when there is nothing left to answer.'}, 'collected': {'type': 'string', 'description': "Everything answered so far, this turn included. Send it back on the next call. It is the connector's record of the conversation, so nothing has to be asked twice."}, 'ready_to_quote': {'type': 'boolean', 'description': 'True when nothing is missing and start_quote can be called.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'locale'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'quote_id': {'type': 'string', 'minLength': 1, 'description': 'The handle start_quote returned.'}, 'answers_so_far': {'type': 'string', 'description': 'The `answers_so_far` answer_carrier_questions handed back when the first option ended, when there was one: what the customer already answered is then not asked again.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['can_answer_here', 'questions', 'ask_together', 'preamble', 'note', 'next_step'], 'properties': {'note': {'type': 'string', 'description': "What to do with these questions, in the customer's language."}, 'preamble': {'type': ['string', 'null'], 'description': "Sigo's own words for the customer, to say as they are before the first question. Not one of the carrier's questions and not answered. Null when there is nothing to ask here."}, 'next_step': {'type': 'object', 'required': ['action', 'url', 'note'], 'properties': {'url': {'type': 'string'}, 'note': {'type': 'string'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'description': 'Where the customer finishes. Theirs at any point, not only at the end.', 'additionalProperties': False}, 'questions': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'wording', 'wording_language', 'answer_type', 'required', 'depends_on'], 'properties': {'code': {'type': 'string', 'description': 'Send the answer back under this code.'}, 'wording': {'type': 'string', 'description': "The carrier's own words, in the customer's language. Ask it as it is written: do not reword it, do not soften it, and do not turn it around. The customer is attesting to this for the record."}, 'required': {'type': 'boolean'}, 'depends_on': {'type': ['string', 'null'], 'description': 'The code of the question this one hangs off. Ask it only once that one is answered; null when it stands on its own.'}, 'answer_type': {'type': 'string', 'description': 'What kind of answer it takes, as the platform types it â\x80\x94 `yes_no` on every question seen so far. Send a boolean for those; anything else goes as text.'}, 'wording_language': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language `wording` is in, which is the conversation's own. A carrier with no wording in it is not answered here at all: `can_answer_here` is false and a Sigo agent takes it."}}, 'additionalProperties': False}, 'description': 'In the order the platform ranked them.'}, 'ask_together': {'type': 'array', 'items': {'type': 'array', 'items': {'type': 'string'}}, 'description': 'Codes that can be put to the customer in one turn, grouped the way the carrier groups them. Ask each block as one message and send its answers together. A question with `depends_on` is in no block: it gets its own turn, after the one it hangs off. Empty when there is nothing to ask here.'}, 'can_answer_here': {'type': 'boolean', 'description': 'False when there is nothing to ask here: nobody priced the customer, and a Sigo agent takes it.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['pasted_link'], 'properties': {'locale': {'enum': ['es', 'en'], 'type': 'string', 'default': 'es', 'description': "The language to write the returned `message` in: the customer's own, es or en."}, 'pasted_link': {'type': 'string', 'maxLength': 512, 'minLength': 1, 'description': 'Only the Sigo link or code the customer shared (a sigoseguros.com link or a short code), not the rest of their message. Stray punctuation around it is fine; do not guess at a link the customer did not provide.'}}}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['state', 'next_step', 'message', 'url'], 'properties': {'url': {'type': ['string', 'null'], 'description': 'The link to hand back so the customer can continue, or null when nothing resolved. Use this URL rather than the one the customer pasted.'}, 'state': {'enum': ['in_progress', 'final_quote_ready', 'signature_owed', 'awaiting_binding', 'needs_agent', 'complete', 'not_found'], 'type': 'string', 'description': 'How far the application has got. Coarse on purpose.'}, 'message': {'type': 'string', 'description': 'What to tell the customer, already written in their language. Say this rather than composing your own: it is the only description of the application Sigo has checked, and it deliberately states no price, carrier or personal detail because none was read.'}, 'next_step': {'type': 'string', 'description': 'The single next action, as a value. `message` is the wording for it.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['zip_code', 'vehicles', 'drivers', 'has_prior_insurance', 'uninsured_motorist', 'email', 'collected', 'locale'], 'properties': {'email': {'type': 'string', 'format': 'email', 'pattern': "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$", 'description': "Identifies the customer and is how Sigo reaches them about this quote. No phone number is collected here, so nothing can be called or texted from this channel â\x80\x94 which is not the same as Sigo not calling: a customer who wants a call leaves their number in Sigo's own flow, through the link on their estimate, and an agent calls them."}, 'locale': {'enum': ['es', 'en'], 'type': 'string', 'description': "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."}, 'address': {'anyOf': [{'type': 'string', 'maxLength': 120}, {'type': 'null'}], 'description': 'Second round only. The street address where the car is kept overnight â\x80\x94 street and number; the ZIP already gave the city and the state. It is checked against that ZIP, and an address somewhere else is refused rather than quoted: this is the field that decides which state the policy is rated in. Where they work is not it.'}, 'drivers': {'type': 'array', 'items': {'type': 'object', 'required': ['first_name', 'last_name', 'birthdate', 'is_primary'], 'properties': {'gender': {'enum': ['male', 'female'], 'type': 'string', 'description': "The two values the rater maps; anything else is silently rated as male. It is a field on the carrier's rating form, so ask it as such rather than as a question about identity. Not asked for in California, which prohibits rating on it."}, 'document': {'anyOf': [{'type': 'object', 'required': ['type'], 'properties': {'type': {'enum': ['us_license', 'foreign_license', 'us_id', 'foreign_id', 'consular_id', 'passport'], 'type': 'string', 'description': 'Offer all six. A customer without a US licence is quotable on a foreign licence, a consular ID (matrÃ\xadcula) or a passport, and offering fewer reads as being turned away. None of the six is a learner permit, and the type on its own is never read as a full licence: a permit holder is recorded with the type of the document they carry and with `license_status: "learner-permit"`, which is what the rater prices as a permit.'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': "The driver's identity document. Optional: a customer who declines is quoted without one."}, 'excluded': {'type': 'boolean', 'default': False, 'description': 'True for a household member who is named but must not drive the car. They go on the policy as excluded rather than being left off it. Nobody prices them, so their gender and marital status are not needed â\x80\x94 do not go back to the customer for personal details about someone who is not being rated.'}, 'birthdate': {'type': 'string', 'description': 'YYYY-MM-DD. Age is what carriers rate on, so it is the date itself, never one worked out from an age.'}, 'education': {'anyOf': [{'enum': ['less-than-high-school', 'high-school', 'some-college', 'bachelor-degree', 'master-degree'], 'type': 'string'}, {'type': 'null'}], 'description': 'Second round only. Not asked for in California, which prohibits rating on it.'}, 'last_name': {'type': 'string', 'maxLength': 25, 'minLength': 1, 'description': 'Up to 25 characters, same as the first name: ask rather than shorten it for them.'}, 'first_name': {'type': 'string', 'maxLength': 25, 'minLength': 1, 'description': "Up to 25 characters, which is what the carrier's form holds. A customer whose name does not fit is asked how they want it shortened â\x80\x94 it goes on the policy, so it is their call and not a silent trim."}, 'is_primary': {'type': 'boolean', 'description': 'Whether this is the driver who uses the car most. Exactly one driver is, and it is the customer who says which â\x80\x94 carriers rate on it, so choosing for them quotes a household that may not be theirs. With more than one driver and nothing said about it, ask before quoting rather than assuming the first one.'}, 'occupation': {'anyOf': [{'type': 'string', 'maxLength': 20}, {'type': 'null'}], 'description': "Second round only. The rater's code, from `find_occupation` â\x80\x94 never invented and never the customer's own words. Not asked for in California."}, 'relationship': {'enum': ['spouse', 'domestic-partner', 'child', 'parent', 'sibling', 'other-relative', 'non-relative'], 'type': 'string', 'description': "How this driver relates to the main one. Leave it out for the main driver. A married customer's spouse goes on the quote as a driver with 'spouse'."}, 'license_status': {'anyOf': [{'enum': ['valid', 'learner-permit', 'suspended'], 'type': 'string'}, {'type': 'null'}], 'description': "Whether that document is in force, and the only place a learner permit is ever recorded. Send it the moment the customer says it, first quote included: a permit holder goes down as 'learner-permit' and never as a full licence, and the rater prices them as a permit. A permit and a suspended licence are both quotable, so ask it plainly."}, 'marital_status': {'enum': ['single', 'married', 'widowed', 'divorced', 'separated'], 'type': 'string', 'description': "Offer all of them when asking. Carriers rate on it, and anything the rater does not recognise is silently rated as 'single', so a driver pushed into the nearest offered option is quoted on the wrong facts. Not asked for in California, which prohibits rating on it."}, 'months_licensed': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, {'type': 'null'}], 'description': 'Second round only. How many months they have held the document. Offer ranges â\x80\x94 1 to 4 years, 5 to 8, more than 8 â\x80\x94 and send the middle of the one they pick, which is what the other Sigo channels send.'}}, 'additionalProperties': False}, 'maxItems': 4, 'minItems': 1}, 'vehicles': {'type': 'array', 'items': {'type': 'object', 'required': ['year', 'make', 'model', 'coverage_type', 'primary_use'], 'properties': {'vin': {'anyOf': [{'type': 'string', 'maxLength': 21}, {'type': 'null'}], 'description': "Second round only. The VIN from the customer's registration or insurance card."}, 'make': {'type': 'string', 'maxLength': 40, 'minLength': 1}, 'year': {'type': 'integer', 'maximum': 2027, 'minimum': 1981}, 'model': {'type': 'string', 'maxLength': 40, 'minLength': 1}, 'ownership': {'anyOf': [{'enum': ['owned', 'financed', 'leased'], 'type': 'string'}, {'type': 'null'}], 'description': 'Second round only. Whether the car is paid off, financed or leased.'}, 'deductible': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, {'type': 'null'}], 'description': 'Only meaningful with full_coverage. Ignored otherwise.'}, 'lienholder': {'anyOf': [{'type': 'object', 'required': ['name'], 'properties': {'city': {'anyOf': [{'type': 'string', 'maxLength': 60}, {'type': 'null'}]}, 'name': {'type': 'string', 'maxLength': 60, 'minLength': 1, 'description': 'The bank or finance company. Ask for this one; the rest is on the loan papers.'}, 'state': {'anyOf': [{'type': 'string', 'pattern': '^[A-Za-z]{2}$'}, {'type': 'null'}]}, 'address': {'anyOf': [{'type': 'string', 'maxLength': 120}, {'type': 'null'}]}, 'zip_code': {'anyOf': [{'type': 'string', 'pattern': '^[0-9]{5}$'}, {'type': 'null'}]}, 'loan_number': {'anyOf': [{'type': 'string', 'maxLength': 40}, {'type': 'null'}]}}, 'additionalProperties': False}, {'type': 'null'}], 'description': 'Second round only, and only for a financed or leased car: who holds the loan.'}, 'primary_use': {'enum': ['pleasure', 'artisan', 'commute', 'farm', 'business'], 'type': 'string', 'description': "What the car is mostly used for, in the rater's own five: pleasure, artisan (tools and a trade), commute (driving to work), farm, business. Ask with all five â\x80\x94 the ones that are not 'pleasure' are what a carrier prices differently. None of them means driving for a transport app; that answer goes in `used_for_rideshare`."}, 'coverage_type': {'enum': ['liability', 'full_coverage'], 'type': 'string'}, 'used_for_work': {'type': 'boolean', 'default': False, 'description': 'True when the customer says the vehicle is used for their work or business â\x80\x94 deliveries, tools, a trade. Do not ask for it: set it when they bring it up. It changes nothing about the price and adds the notice their situation needs, because this is a personal auto quote and a vehicle used for a business may need a commercial policy. Driving for a transport app is not this: it has its own field, `used_for_rideshare`, and it is not quoted here at all.'}, 'used_for_rideshare': {'type': 'boolean', 'default': False, 'description': "True when the customer says they drive the vehicle for a transport or delivery app â\x80\x94 Uber, Lyft, DiDi, Uber Eats, DoorDash, Amazon Flex and the like. Do not ask for it: set it the moment they mention it, in any wording ('manejo para Uber', 'hago entregas con la app'). Unlike every other field here it stops the quote: no estimate is produced, because a personal auto policy priced for this use is a misrepresentation the carrier can void a claim over. The customer is answered with `rideshare_needs_agent` and the link a Sigo agent reaches them through."}}, 'additionalProperties': False}, 'maxItems': 4, 'minItems': 1}, 'zip_code': {'type': 'string', 'pattern': '^[0-9]{5}$', 'description': 'The 5-digit ZIP code where the vehicle is kept. It determines the state.'}, 'collected': {'type': 'string', 'minLength': 1, 'description': 'The `collected` next_question returned once `ready_to_quote` was true. Required: it is the record that every question was put to the customer. A call without it, or with one that still has questions pending, is refused with `questions_not_finished` and creates nothing.'}, 'revise_of': {'type': 'string', 'description': "When the customer wants a quote they already have run again with something changed â\x80\x94 another deductible, another coverage, a detail they gave wrong: pass that quote's `quote_id` here, with the full details including the change. It re-quotes the same person instead of making them a second one. Never invent this value, and never use it for a different customer."}, 'is_student': {'type': 'boolean', 'default': False}, 'is_homeowner': {'type': 'boolean', 'default': False}, 'correction_of': {'type': 'string', 'description': 'Only when a previous call failed with `data_not_accepted`: pass the `correction_of` it returned, together with the corrected details. The quote is retried on the same record instead of starting a second one for the same person. Never invent this value.'}, 'uninsured_motorist': {'type': 'boolean', 'description': 'Whether to include uninsured-motorist protection â\x80\x94 cover for when the other driver has no insurance. Ask it; it is the one add-on offered at this step and it changes the price.'}, 'has_prior_insurance': {'type': 'boolean', 'description': 'Whether the customer currently has car insurance.'}, 'prior_coverage_months': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, {'type': 'null'}], 'description': 'Second round only, and only for a customer who has insurance now. How long they have been covered: offer 6 months, 1 year, 3 years, 4 or more.'}, 'prior_coverage_expiration': {'anyOf': [{'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$'}, {'type': 'null'}], 'description': 'Second round only. YYYY-MM-DD, when the current policy ends. Today is accepted; a date already past is refused: confirm it with the customer, and if their coverage really did end, they have no prior insurance to send.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['quote_id', 'status', 'more_carriers_pending', 'poll_after_seconds', 'pending_note', 'to_final_quote', 'cover_first', 'application', 'state', 'quoted_at', 'expires_at', 'quotes', 'problems', 'contact', 'covers', 'asked_for', 'revised_from_quote', 'price_levers', 'personal_use_note', 'carriers', 'issued_by'], 'properties': {'state': {'type': ['string', 'null']}, 'covers': {'type': 'object', 'required': ['vehicles', 'drivers', 'note'], 'properties': {'note': {'type': ['string', 'null'], 'description': 'Present from two vehicles up: say it with the prices, because one amount for a household reads as an amount per car. Null for a single vehicle, where the amount can only mean one thing.'}, 'drivers': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, 'vehicles': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'quotes': {'type': 'array', 'items': {'type': 'object', 'required': ['quote_id', 'carrier_name', 'estimate', 'quote_type', 'is_binding', 'disclaimer', 'next_step'], 'properties': {'estimate': {'type': 'object', 'required': ['currency', 'due_today', 'first_payment_note', 'monthly_payment', 'number_of_installments', 'total_for_term', 'total_note', 'term_months'], 'properties': {'currency': {'type': 'string', 'const': 'USD'}, 'due_today': {'type': 'number', 'description': 'What the customer pays today to start the policy. Not the policy total.'}, 'total_note': {'type': 'string', 'description': "What that total is and what it does not include. It travels with the number for the same reason the first payment's note does: a trailing sentence gets paraphrased away."}, 'term_months': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'Policy term in months, or null when the carrier did not report one. A 6-month and a 12-month quote are not comparable on the down payment alone, so do not rank on price without it.'}, 'total_for_term': {'type': 'number', 'description': 'What the payment plan adds up to over the term: the amount due today plus every instalment. Stated rather than left to be worked out â\x80\x94 an agent asked for the six-month total produced one of its own.', 'exclusiveMinimum': 0}, 'monthly_payment': {'type': 'number', 'exclusiveMinimum': 0}, 'first_payment_note': {'type': 'string', 'description': 'What the amount due today is, in words the customer hears. It is stated for every estimate, whichever of the two numbers is larger.'}, 'number_of_installments': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'quote_id': {'type': 'string'}, 'next_step': {'anyOf': [{'type': 'object', 'required': ['action', 'url'], 'properties': {'url': {'type': 'string', 'format': 'uri'}, 'action': {'type': 'string', 'const': 'continue_with_sigo'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': 'Where the customer continues with Sigo â\x80\x94 present only once the list of prices is final. While carriers are still answering it is null, because a customer cannot choose from a list that is still filling.'}, 'disclaimer': {'type': 'object', 'required': ['text', 'show_verbatim'], 'properties': {'text': {'type': 'string', 'description': "The notice, in the customer's language."}, 'show_verbatim': {'type': 'boolean', 'const': True, 'description': 'This text goes to the customer as it is written, in the same answer as the price. It is short enough to fit: shortening it further drops the disclosure Sigo is required to make, and a summary of it is not that disclosure. It carries no instructions to the model and none to the customer.'}}, 'additionalProperties': False}, 'is_binding': {'type': 'boolean', 'const': False}, 'quote_type': {'type': 'string', 'const': 'estimate', 'description': "Always an estimate, in every round. No price the connector returns is final: the final quote is calculated by Sigo in the link, after the carrier's questions and before the customer pays."}, 'carrier_name': {'type': 'string', 'description': 'The carrier that issues this policy. Sigo is the agency, not the issuer.'}}, 'additionalProperties': False}}, 'status': {'enum': ['pending', 'partial', 'ready', 'failed'], 'type': 'string'}, 'contact': {'type': 'object', 'required': ['phone_collected_here', 'sigo_calls_customers', 'url', 'note'], 'properties': {'url': {'type': ['string', 'null'], 'description': 'Where the customer leaves a phone number for a Sigo agent. Present as soon as the list is final, whether or not anything was quoted; null only while carriers are still answering. This is the only way on from here â\x80\x94 do not offer another.'}, 'note': {'type': 'string', 'description': 'What to say when the customer asks to be called, in their language.'}, 'phone_collected_here': {'type': 'boolean', 'const': False, 'description': 'No phone number reaches this connector: the input schema has no field for one.'}, 'sigo_calls_customers': {'type': 'boolean', 'const': True, 'description': "Sigo's agents do call and text customers. What cannot happen is a call arranged from here, because this channel never has a number to call."}}, 'additionalProperties': False}, 'carriers': {'type': 'object', 'required': ['answered', 'catalogue_is_public', 'note'], 'properties': {'note': {'type': 'string', 'description': "What may be said about carriers, in the customer's language."}, 'answered': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The carriers that returned a price for this quote, and the only ones that may be named.'}, 'catalogue_is_public': {'type': 'boolean', 'const': False, 'description': 'Sigo publishes no list of the carriers it works with: it varies by state and by quote, and cannot be derived from this response. A carrier absent from `answered` is not thereby a carrier Sigo does not work with.'}}, 'additionalProperties': False}, 'problems': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'message'], 'properties': {'code': {'type': 'string'}, 'message': {'type': 'string', 'description': 'Customer-safe wording. Upstream carrier or configuration detail is never included.'}}, 'additionalProperties': False}}, 'quote_id': {'type': 'string', 'description': 'Pass this back to get_quote to read the result again.'}, 'asked_for': {'type': 'object', 'required': ['vehicles', 'drivers'], 'properties': {'drivers': {'type': 'integer', 'maximum': 9007199254740991, 'exclusiveMinimum': 0}, 'vehicles': {'type': 'array', 'items': {'type': 'object', 'required': ['position', 'year', 'coverage_type', 'deductible'], 'properties': {'year': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, 'position': {'type': 'integer', 'maximum': 9007199254740991, 'description': '1-based, in the order start_quote received them.', 'exclusiveMinimum': 0}, 'deductible': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'Null for liability, or when none was given.'}, 'coverage_type': {'enum': ['liability', 'full_coverage'], 'type': 'string'}}, 'additionalProperties': False}, 'description': "Empty on a quote started before this field existed; then the agent's own record is the label."}}, 'description': 'Label each answer with this when comparing two quotes for the same customer, so "con deducible de 1000" is matched to the quote that asked for it.', 'additionalProperties': False}, 'issued_by': {'type': 'object', 'required': ['agency', 'role', 'underwrites_policies', 'pays_claims', 'charges_broker_fee'], 'properties': {'role': {'type': 'string', 'const': 'licensed insurance agency'}, 'agency': {'type': 'string', 'const': 'Sigo'}, 'pays_claims': {'type': 'boolean', 'const': False}, 'charges_broker_fee': {'type': 'boolean', 'description': "Whether Sigo charges this customer a broker fee, which depends on their state. True: a fee for the agency's service, on top of a commission from the carrier. False: Sigo charges them no fee at all. Either way it is not part of the amounts in this response â\x80\x94 those are the carrier's â\x80\x94 and cannot be derived from them: where there is one, it is itemised for the customer before purchase. An estimate is not the final cost of buying through Sigo."}, 'underwrites_policies': {'type': 'boolean', 'const': False}}, 'additionalProperties': False}, 'quoted_at': {'type': 'string', 'format': 'date-time', 'pattern': '^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$'}, 'expires_at': {'type': 'string', 'format': 'date-time', 'pattern': '^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$'}, 'application': {'type': 'object', 'required': ['complete', 'still_needed', 'note'], 'properties': {'note': {'type': 'string', 'description': "What to do about it, in the customer's language."}, 'complete': {'type': 'boolean', 'description': 'True when the application has everything RC3 needs. False while anything is missing.'}, 'still_needed': {'anyOf': [{'type': 'array', 'items': {'type': 'string'}}, {'type': 'null'}], 'description': 'What is missing, empty when nothing is. Null on a quote issued before this was recorded, where completeness is unknown rather than proven.'}}, 'additionalProperties': False}, 'cover_first': {'anyOf': [{'type': 'object', 'required': ['status', 'chosen_quote_id', 'confirmed_price', 'more_options_offered', 'poll_after_seconds', 'next_call', 'note'], 'properties': {'note': {'type': 'string', 'description': 'What to tell the customer and do next, in their language.'}, 'status': {'enum': ['rating', 'questions_pending', 'confirming', 'confirmed', 'declined', 'not_available'], 'type': 'string', 'description': 'rating: carriers still answering. questions_pending: ask carrier_questions for the one estimate shown. confirming: Sigo is confirming the price, read again. confirmed: the price is in confirmed_price and the customer pays in the link. declined / not_available: that option is not the answer; other_carrier_questions follows.'}, 'next_call': {'type': ['string', 'null'], 'description': 'Exactly what to call next, with its arguments; null when nothing is.'}, 'chosen_quote_id': {'type': ['string', 'null'], 'description': "The one estimate's quote_id, to pass to carrier_questions. Null when there is none."}, 'confirmed_price': {'anyOf': [{'type': 'object', 'required': ['currency', 'due_today', 'monthly_payment', 'total_for_term'], 'properties': {'currency': {'type': 'string', 'const': 'USD'}, 'due_today': {'type': 'number'}, 'total_for_term': {'type': 'number'}, 'monthly_payment': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': "The carrier's confirmed amounts, once confirmed. Still subject to eligibility and state rules."}, 'poll_after_seconds': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'While confirming: how long to wait before get_quote again.'}, 'more_options_offered': {'type': 'boolean', 'description': 'True when Sigo offers to look at the other carriers beside a confirmed price. Offer it once; other_carrier_questions is how, and only if the customer wants to compare.'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'pending_note': {'type': ['string', 'null'], 'description': "What to do while carriers are still answering, in the customer's language. Null once the list is final."}, 'price_levers': {'type': 'object', 'required': ['available', 'note'], 'properties': {'note': {'type': 'string', 'description': "How to answer the question, in the customer's language."}, 'available': {'type': 'array', 'items': {'type': 'string'}, 'description': 'The only changes worth offering, and they re-quote: empty when this quote has none, and then the honest answer is that there is nothing to adjust at this step.'}}, 'additionalProperties': False}, 'to_final_quote': {'type': 'object', 'required': ['available', 'next_call', 'note', 'price_may_change'], 'properties': {'note': {'type': ['string', 'null'], 'description': 'What to tell the customer, in their language.'}, 'available': {'type': 'boolean', 'description': 'True once there are prices. There is always a next step towards the final quote.'}, 'next_call': {'type': ['string', 'null'], 'description': 'Exactly what to call next, with its arguments: `next_question` with stage second_round while the application is incomplete; `carrier_questions` with `quote_id` (this quote) and `chosen_quote_id` (the `quote_id` of the estimate the customer picked) once it is. Null before there are prices.'}, 'price_may_change': {'type': ['string', 'null'], 'description': "One line on what finishing can do to the price, in the customer's language. It never promises a better price, and never mentions a carrier that has not answered."}}, 'additionalProperties': False}, 'personal_use_note': {'type': ['string', 'null'], 'description': 'Present when the customer said the vehicle is used for work. Say it with the prices: this quote is personal auto. Null when they said nothing about it, and then the subject is not raised.'}, 'poll_after_seconds': {'anyOf': [{'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, {'type': 'null'}], 'description': 'How long to wait before calling get_quote again.'}, 'revised_from_quote': {'type': 'boolean', 'description': 'True when this quote re-quoted the same customer: started with revise_of, or for a customer who already quoted today and was still at their first round. One person, one application, priced again.'}, 'more_carriers_pending': {'type': 'boolean', 'description': 'True when more carriers may still return a price; the list is not final.'}}, 'additionalProperties': False}