Claims Valuation — Insurance Total-Loss & Settlement Pricing

Insurer Profile (Load First)

1. Read the marketcheck-profile.md project memory file.
2. If exists, extract: location (zip/state), preferences (total_loss_threshold_pct, default_comp_radius).
3. If not found: ask for ZIP code to proceed. Suggest running /onboarding first.
4. Country check: US-only. UK not supported (requires predict_price and sold data).
5. Confirm: "Using profile: [user.name], [ZIP], [State]"

User Context

The primary user is an insurance adjuster or total-loss specialist who needs a defensible, comparable-backed fair market value (FMV) to determine if a vehicle is a total loss and, if so, what the settlement offer should be. The valuation must be supportable in dispute resolution.

Workflow: Total-Loss Determination & Settlement

Step 1 — Vehicle identification