Nowcerts-mcp

# NowCerts MCP Server - Use Case Workflows ## Table of Contents 1. [New Auto Insurance Quote](#new-auto-insurance-quote) 2. [New Homeowners Insurance Quote](#new-homeowners-insurance-quote) 3. [Policy Renewal](#policy-renewal) 4. [Add Vehicle to Existing Policy](#add-vehicle-to-existing-policy) 5. [Add Driver to Existing Policy](#add-driver-to-existing-policy) 6. [Remove Driver from Policy](#remove-driver-from-policy) 7. [Address Change](#address-change) 8. [File a Claim](#file-a-claim) 9. [Customer Service Lookup](#customer-service-lookup) 10. [Create Service Task](#create-service-task) 11. [Policy Cancellation](#policy-cancellation) 12. [Convert Quote to Policy](#convert-quote-to-policy) --- ## New Auto Insurance Quote ### Scenario Customer calls requesting a quote for auto insurance. They provide their name, address, phone, email, and want quotes for 2 vehicles. ### Steps #### 1. Search for Existing Customer ``` Tool: nowcerts_insured_getList Parameters: $filter: "contains(phone, '615-555-1234') or contains(eMail, 'john.smith@email.com')" $top: 10 $skip: 0 $orderby: "changeDate desc" $count: true ``` **Decision Point**: - If found → Use existing `id` - If not found → Proceed to step 2 #### 2. Prefill Customer Data (Optional but Recommended) ``` Tool: fenris_prefillHousehold Parameters: firstName: "John" lastName: "Smith" address: "123 Main St" city: "Nashville" state: "TN" zip: "37201" ``` **What you get**: - Household composition (spouse, children) - Vehicles already owned (VIN, year, make, model) - Property information #### 3. Verify Address ``` Tool: smarty_verifyAddress Parameters: street: "123 Main St" city: "Nashville" state: "TN" zipcode: "37201" ``` **Use the standardized address** from Smarty response #### 4. Create Insured Record (if not exists) ``` Tool: nowcerts_insured_insert Parameters: insured: { "firstName": "John", "middleName": "", "lastName": "Smith", "dateOfBirth": "1985-05-15T00:00:00Z", "type": "Prospect", "insuredType": "Personal", "addressLine1": "123 Main St", // From Smarty "city": "Nashville", "state": "TN", "zipCode": "37201", "eMail": "john.smith@email.com", "phone": "615-555-1234", "cellPhone": "615-555-1234", "active": true } ``` **Save the returned `id`** for next steps #### 5. Decode VINs for Each Vehicle ``` Tool: nhtsa_decodeVin (for each vehicle) Parameters: vin: "1HGCM82633A123456" ``` **What you get**: - Year, Make, Model - Body Type - Engine info - Safety ratings - MSRP #### 6. Check for Recalls ``` Tool: nhtsa_checkRecalls (for each vehicle) Parameters: vin: "1HGCM82633A123456" ``` **Important**: Inform customer of any open recalls #### 7. Create Quote/Policy ``` Tool: nowcerts_policy_insert Parameters: policy: { "insuredDatabaseId": "{id from step 4}", "number": "Q-2025-001234", // Quote number "isQuote": true, "effectiveDate": "2025-01-01T00:00:00Z", "expirationDate": "2025-07-01T00:00:00Z", // 6 months "businessType": "New_Business", "businessSubType": "New", "carrierName": "State Farm", "billingType": "Direct_Bill_100", "totalPremium": 1200.00, "active": true, "status": "Quote" } ``` **Save the returned policy `id`** #### 8. Add Vehicles ``` Tool: nowcerts_vehicle_insert (for each vehicle) Parameters: vehicle: { "policyDatabaseId": "{policy id from step 7}", "type": "Car", // From NHTSA decode "year": "2023", "make": "Honda", "model": "Accord", "vin": "1HGCM82633A123456", "typeOfUse": "Pleasure", "value": "28000", "deductibleComprehensive": 500, "deductibleCollision": 500 } ``` #### 9. Add Drivers ``` Tool: nowcerts_driver_insert (for each driver) Parameters: driver: { "policyDatabaseId": "{policy id from step 7}", "firstName": "John", "lastName": "Smith", "dateOfBirth": "1985-05-15T00:00:00Z", "licenseNumber": "12345678", "licenseState": "TN", "licenseYear": 2020, "maritalStatus": "Married", "gender": "Male", "excluded": false } ``` #### 10. Add Spouse as Contact (if applicable) ``` Tool: nowcerts_principal_insert Parameters: principal: { "insuredDatabaseId": "{id from step 4}", "firstName": "Jane", "lastName": "Smith", "type": "Spouse", "personalEmail": "jane.smith@email.com", "cellPhone": "615-555-5678", "dateOfBirth": "1987-03-20T00:00:00Z" } ``` #### 11. Add Initial Note ``` Tool: nowcerts_note_insert Parameters: note: { "insuredDatabaseId": "{id from step 4}", "noteText": "New quote created. Customer requested coverage for 2 vehicles. Informed of open recall on 2023 Honda Accord VIN:1HGCM82633A123456.", "category": "Quote", "createDate": "2025-01-15T10:30:00Z" } ``` #### 12. Create Follow-up Task ``` Tool: nowcerts_task_insert Parameters: task: { "insuredDatabaseId": "{id from step 4}", "title": "Follow up on auto quote Q-2025-001234", "description": "Call customer to discuss quote and answer questions", "dueDate": "2025-01-17T00:00:00Z", "priority": "Normal", "status": "Not_Started", "assignedToUserId": "{agent id}" } ``` ### Result ✅ Complete quote created with: - Insured record - Quote/Policy - 2 Vehicles (with VIN validation) - Primary driver + spouse - Initial notes - Follow-up task --- ## New Homeowners Insurance Quote ### Scenario Customer wants homeowners insurance quote for their house. ### Steps #### 1. Search for Existing Customer ``` Tool: nowcerts_insured_getList Filter by phone or email ``` #### 2. Prefill Property Data ``` Tool: fenris_prefillHousehold Gets property details automatically ``` #### 3. Verify and Enrich Address ``` Tool: smarty_verifyAddress Parameters: street: "456 Oak Ave" city: "Nashville" state: "TN" zipcode: "37215" ``` **Smarty returns**: - Standardized address - County - Congressional district - Coordinates - Property metadata #### 4. Create/Update Insured ``` Tool: nowcerts_insured_insert Include verified address ``` #### 5. Create Quote ``` Tool: nowcerts_policy_insert Parameters: policy: { "isQuote": true, "businessType": "New_Business", "carrierName": "Travelers", // Property-specific fields... } ``` #### 6. Add Property Details ``` Tool: nowcerts_property_insert Parameters: property: { "policyDatabaseId": "{policy id}", "addressLine1": "456 Oak Ave", "city": "Nashville", "state": "TN", "zipCode": "37215", "propertyType": "Single_Family", "yearBuilt": 1998, "squareFootage": 2400, "constructionType": "Frame", "roofType": "Composition Shingle", "dwellingCoverage": 350000, "personalPropertyCoverage": 175000 } ``` --- ## Policy Renewal ### Scenario Policy is expiring in 30 days, need to create renewal. ### Steps #### 1. Find Expiring Policy ``` Tool: nowcerts_policy_getList Parameters: $filter: "expirationDate ge 2025-06-01T00:00:00Z and expirationDate le 2025-07-01T00:00:00Z and active eq true" $orderby: "expirationDate asc" $top: 100 $skip: 0 $count: true ``` #### 2. Get Current Policy Details ``` Tool: nowcerts_policy_getList Parameters: $filter: "id eq '{specific-policy-id}'" ``` #### 3. Verify Current Address ``` Tool: smarty_verifyAddress Verify insured's current address hasn't changed ``` #### 4. Get Current Vehicles ``` Tool: nowcerts_vehicle_getVehicles Filter by policyIds containing current policy ``` #### 5. Get Current Drivers ``` Tool: nowcerts_driver_getDrivers Filter by policyIds containing current policy ``` #### 6. Check VINs for Recalls ``` Tool: nhtsa_checkRecalls For each vehicle VIN ``` #### 7. Create Renewal Policy ``` Tool: nowcerts_policy_insert Parameters: policy: { "insuredDatabaseId": "{same insured}", "number": "POL-2025-567890", // New policy number "isQuote": false, // This is a policy, not quote "effectiveDate": "2025-07-01T00:00:00Z", // Day after current expires "expirationDate": "2026-07-01T00:00:00Z", // 1 year "businessType": "Renewal", "businessSubType": "Renewal", "carrierName": "{same carrier}", // Copy other details, update premium if changed } ``` #### 8. Copy Vehicles to New Policy ``` Tool: nowcerts_vehicle_bulkInsert Parameters: vehicles: [ { "policyDatabaseId": "{new policy id}", // Copy all vehicle details from current policy }, // ... more vehicles ] ``` #### 9. Copy Drivers to New Policy ``` Tool: nowcerts_driver_bulkInsert Parameters: drivers: [ { "policyDatabaseId": "{new policy id}", // Copy all driver details }, // ... more drivers ] ``` #### 10. Add Renewal Note ``` Tool: nowcerts_note_insert Parameters: note: { "insuredDatabaseId": "{insured id}", "noteText": "Policy renewed. Previous policy: {old number}. New policy: {new number}. Premium increased from $1200 to $1250 due to claims history.", "category": "Renewal" } ``` --- ## Add Vehicle to Existing Policy ### Scenario Customer purchased a new car and wants to add it to their existing policy. ### Steps #### 1. Find Customer's Active Policy ``` Tool: nowcerts_policy_getList Parameters: $filter: "insuredDatabaseId eq '{customer-id}' and active eq true and isQuote eq false" ``` #### 2. Decode VIN ``` Tool: nhtsa_decodeVin Parameters: vin: "{new-vehicle-vin}" ``` #### 3. Check for Recalls ``` Tool: nhtsa_checkRecalls Parameters: vin: "{new-vehicle-vin}" ``` #### 4. Add Vehicle to Policy ``` Tool: nowcerts_vehicle_insert Parameters: vehicle: { "policyDatabaseId": "{policy-id}", "type": "SUV", // From NHTSA decode "year": "2024", "make": "Toyota", "model": "RAV4", "vin": "{new-vehicle-vin}", "typeOfUse": "Pleasure", "value": "35000", "deductibleComprehensive": 500, "deductibleCollision": 500 } ``` #### 5. Create Service Request (tracks the change) ``` Tool: nowcerts_serviceRequest_insertAddVehicle Parameters: data: { "policyId": "{policy-id}", "effectiveDate": "2025-01-20T00:00:00Z", "vehicleDetails": { "vin": "{new-vehicle-vin}", "year": "2024", "make": "Toyota", "model": "RAV4" } } ``` #### 6. Add Note ``` Tool: nowcerts_note_insert Parameters: note: { "insuredDatabaseId": "{customer-id}", "noteText": "Added 2024 Toyota RAV4 to policy. Effective 01/20/2025. No open recalls found.", "category": "Policy Change" } ``` --- ## Add Driver to Existing Policy ### Scenario Customer's teenage child got their license and needs to be added as a driver. ### Steps #### 1. Find Policy ``` Tool: nowcerts_policy_getList Filter: Policy number or insured ID ``` #### 2. Add Driver ``` Tool: nowcerts_driver_insert Parameters: driver: { "policyDatabaseId": "{policy-id}", "firstName": "Emily", "lastName": "Smith", "dateOfBirth": "2007-08-10T00:00:00Z", "licenseNumber": "87654321", "licenseState": "TN", "licenseYear": 2024, "maritalStatus": "Single", "gender": "Female", "excluded": false, "relationship": "Child" } ``` #### 3. Create Service Request ``` Tool: nowcerts_serviceRequest_insertAddDriver Parameters: data: { "policyId": "{policy-id}", "effectiveDate": "2025-01-25T00:00:00Z", "driverDetails": { "firstName": "Emily", "lastName": "Smith", "dateOfBirth": "2007-08-10T00:00:00Z", "licenseNumber": "87654321" } } ``` #### 4. Add Note ``` Tool: nowcerts_note_insert Document the driver addition ``` --- ## File a Claim ### Scenario Customer was in an accident and needs to file a claim. ### Steps #### 1. Find Policy ``` Tool: nowcerts_policy_getList Filter: Policy number or customer phone ``` #### 2. Create Claim ``` Tool: nowcerts_claim_insert Parameters: claim: { "insuredDatabaseId": "{customer-id}", "policyNumber": "{policy-number}", "claimNumber": "CLM-2025-00123", "status": "Open", "dateOfLossAndTime": "2025-01-18T14:30:00Z", "street": "1st Ave & Main St", "city": "Nashville", "state": "TN", "zipCode": "37201", "descriptionOfLossAndDamage": "Rear-ended at stoplight. Damage to rear bumper and trunk. Other driver admitted fault.", "policeOrFireDepartment": "Nashville Metro Police", "reportNumber": "NPD-2025-1234" } ``` #### 3. Add Detailed Note ``` Tool: nowcerts_note_insert Parameters: note: { "insuredDatabaseId": "{customer-id}", "noteText": "Claim filed. Customer states they were stopped at red light when struck from behind. Other driver's insurance: XYZ Insurance, Policy #ABC123. Estimate for repairs: $3500. Customer vehicle drivable.", "category": "Claim" } ``` #### 4. Create Follow-up Task ``` Tool: nowcerts_task_insert Parameters: task: { "title": "Follow up on claim CLM-2025-00123", "description": "Contact adjuster, get repair estimate, coordinate rental car", "dueDate": "2025-01-20T00:00:00Z", "priority": "High", "status": "In_Progress" } ``` --- ## Customer Service Lookup ### Scenario Customer calls with a question, need to pull up their information quickly. ### Steps #### 1. Search by Phone or Email ``` Tool: nowcerts_insured_getList Parameters: $filter: "contains(phone, '615-555-1234') or contains(cellPhone, '615-555-1234') or contains(eMail, 'customer@email.com')" $top: 10 ``` #### 2. Get All Policies ``` Tool: nowcerts_policy_getList Parameters: $filter: "insuredDatabaseId eq '{customer-id}'" $orderby: "effectiveDate desc" ``` #### 3. Get Vehicles (if auto policy) ``` Tool: nowcerts_vehicle_getVehicles Filter by insuredDatabaseId ``` #### 4. Get Drivers (if auto policy) ``` Tool: nowcerts_driver_getDrivers Filter by insuredDatabaseId ``` #### 5. Get Recent Notes ``` Tool: nowcerts_note_getNotes Parameters: filters: { "insuredDatabaseId": "{customer-id}" } Sorted by most recent ``` #### 6. Get Open Claims ``` Tool: nowcerts_claim_getList Parameters: $filter: "insuredDatabaseId eq '{customer-id}' and status eq 'Open'" ``` #### 7. Get Open Tasks ``` Tool: nowcerts_task_getTasks Parameters: filters: { "insuredDatabaseId": "{customer-id}", "status": "Not_Started or In_Progress" } ``` **Result**: Complete customer view in 7 quick lookups --- ## Convert Quote to Policy ### Scenario Customer accepted the quote, now bind the policy. ### Steps #### 1. Get Quote Details ``` Tool: nowcerts_policy_getList Parameters: $filter: "number eq 'Q-2025-001234'" ``` #### 2. Update Quote to Policy **Note**: Currently may need to create new policy and deactivate quote ``` Tool: nowcerts_policy_insert Parameters: policy: { // Copy all quote details "isQuote": false, // Change to policy "number": "POL-2025-001234", // New policy number "status": "Active", "bindDate": "2025-01-20T00:00:00Z" } ``` #### 3. Copy Vehicles to Policy ``` Tool: nowcerts_vehicle_bulkInsert Copy vehicles from quote to new policy ``` #### 4. Copy Drivers to Policy ``` Tool: nowcerts_driver_bulkInsert Copy drivers from quote to new policy ``` #### 5. Add Bind Note ``` Tool: nowcerts_note_insert Parameters: note: { "insuredDatabaseId": "{customer-id}", "noteText": "Quote Q-2025-001234 bound as policy POL-2025-001234. Effective date: 01/20/2025. Premium: $1200/6mo.", "category": "Policy Bind" } ``` --- ## Common Patterns ### Pattern: Search → Create → Link 1. Search for parent record (insured, policy) 2. Create new record 3. Link using proper ID field ### Pattern: Prefill → Verify → Create 1. Prefill data (Fenris, NHTSA) 2. Verify data (Smarty addresses, NHTSA VINs) 3. Create NowCerts records ### Pattern: Get → Update → Note 1. Get existing record 2. Make changes 3. Document with note ### Pattern: Bulk Operations 1. Get list of items 2. Process in batches 3. Use bulk insert endpoints when available --- This guide provides step-by-step workflows for common insurance operations using the NowCerts MCP Server.