{"name":"Del Mar Insurance quote intake","description":"Submit a personal or specialty-lines quote request. Soft intake only — a licensed Texas broker follows up. This endpoint never returns a premium or binds coverage.","method":"POST","url":"/api/quote","humanForm":"/quote","schema":"/quote.schema.json","required":["fullName","phone","email","preferredContact","zip","coverageType","howFound","bestTime","consumerNoticeAcknowledged"],"optional":["currentCarrier","currentExpiration","vehicle and driver fields when coverage is auto, multi, or motorcycle (driver name, relationship, and licenseNumber are optional; licenseDisclosureAcknowledged required when those auto steps are shown)","consumerNoticeAcknowledged (required boolean — carrier consumer notice acknowledgment on every quote submit)","home fields when coverage is home or multi","renters fields when coverage is renters (or multi + includeRenters=yes)","homeAddress when coverage is condo, boat, windstorm, landlord, or mobile-home","specialtyNotes when coverage is a specialty line (required, min 10 characters)","source","attribution (optional marketing fields: utm_source, utm_medium, utm_campaign, utm_content, utm_term, fbclid presence, referrer host)","smsConsent (optional boolean — OK to text about this quote; defaults to false, never required)","website (honeypot — leave empty)"],"coverageTypes":["auto","home","multi","renters","motorcycle","condo","boat","windstorm","landlord","mobile-home"],"rejectedCoverageTypes":["life","health"],"consent":{"accepted":["submitted_by: self | authorized_agent","authorizedByCustomer: true"],"note":"Human form sets submitted_by=self. Agents completing intake for a customer must set submitted_by=authorized_agent or authorizedByCustomer=true after the customer authorizes submit."},"capabilities":{"agentsMaySubmitIntakeOnly":true,"returnsPremiums":false,"bindsCoverage":false,"acceptsCarrierPortalCredentials":false,"nextStep":"Licensed Texas broker follow-up"},"manifesto":["Agents may submit intake only.","Del Mar does not return rates, bind coverage, or accept carrier-portal credentials via API.","Next step = licensed TX broker follow-up."],"rules":["Personal and specialty lines on this form: auto, homeowners, multi, renters, motorcycle, condo, boat, windstorm, landlord, mobile home.","Business insurance is not accepted here — Call 361-986-0700 or Text 361-600-9553.","Life and health insurance are not offered. Those coverage types are rejected.","Do not send carrier-portal usernames, passwords, or credentials.","A successful POST acknowledges intake only. It never includes a premium, bind confirmation, or policy number."],"example":{"fullName":"Jordan Example","phone":"361-555-0100","email":"jordan@example.com","preferredContact":"phone","zip":"78411","coverageType":"auto","howFound":"google","bestTime":"afternoon","vehicleYear":"2019","vehicleMake":"Toyota","vehicleModel":"Camry","vehicleUse":"commute","annualMiles":"12000","garagingZip":"78411","drivers":[{"id":"driver-1","name":"Jordan Example","relationship":"self","dob":"1988-04-12","txLicenseStatus":"valid","licenseNumber":""}],"autoClaims":"none","liabilityLimit":"100/300/100","submitted_by":"authorized_agent","authorizedByCustomer":true,"consumerNoticeAcknowledged":true,"source":"assistant"},"manifestoText":"Agents may submit intake only. Del Mar does not return rates, bind coverage, or accept carrier-portal credentials via API. Next step = licensed TX broker follow-up."}