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PolicyVera insurance quotes

Accept a quote (your choice)

accept_quote
Destructive

Accepts one quote on one of the person's requests through PolicyVera's own accept, in three calls. First without reachBy: it answers what accepting does, and the person chooses how the insurance agent may reach them (phone call, text message, email: at least one). Then with reachBy and no code: PolicyVera emails the person a code for this accept that names the insurance agent and those ways. Then with personConfirmed: true, the same reachBy and the code as the person reads it out: their reading it out is their yes to those ways. undo_accept reverses it.

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "requestId": "<requestId>",
      "quoteId": "<quoteId>"
    },
    "name": "accept_quote"
  }
}

Input Schema

NameRequiredDescriptionDefault
codeNoThe 6-digit confirmation code PolicyVera emailed the person for this one accept, as they read it out: their yes to those ways. The accept's own code, not a sign-in or account code: it signs nothing in and opens nothing else.
quoteIdYesThe quoteId from check_quotes.
reachByNoHow the insurance agent may reach the person, the person's own choice; at least one. Asked before the code is sent: the email names these ways.
requestIdYes
personConfirmedNotrue only on the second call, after the person's explicit yes.

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A3.9/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already flag destructiveHint=true, idempotentHint=false and openWorldHint=true; the description adds real substance beyond them by disclosing the three-call choreography, that PolicyVera emails a 6-digit code, and that the code is the person's consent signal. It does not say what acceptance changes downstream, whether the accept can be partially completed if step three never happens, or the limits of undo_accept, which matters for a destructive, non-idempotent call.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loads the purpose, then walks the three steps in order with no filler, and each sentence carries protocol information. Some clauses are convoluted ("their reading it out is their yes to those ways") and a numbered breakdown would read faster than the run-on single paragraph.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a five-parameter, nested-object mutation with no output schema and heavy annotations, the description covers the sequence, consent semantics and reversal tool. What is missing is the terminal state — what the agent gets back after a successful accept and what to do if the person never supplies the code.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 80%, so the baseline is 3, and the description adds sequencing meaning the schema cannot convey — reachBy is absent on call one, required on calls two and three, code only on call three, and personConfirmed true only on the final call. That is useful, but it never explains how requestId relates to quoteId or what a mismatched pair does.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a concrete verb and resource ("Accepts one quote on one of the person's requests through PolicyVera's own accept") and immediately scopes it as a three-call flow. It also distinguishes itself from the sibling that undoes it ("undo_accept reverses it"), so an agent can place it among siblings without opening schemas.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The staged protocol is spelled out precisely: first call without reachBy to learn effects and collect the person's reach preferences, second with reachBy and no code to trigger the emailed code, third with personConfirmed plus the same reachBy and the code. It also names the reversal path. It does not say when to prefer this over the related accept_agreement sibling, so it stops short of full alternative routing.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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