Insurance referral on order page + fix MCS-150 date display

- Order page: insurance referral checkbox (pre-checked) shown when
  ?ins=1 from checker or carrier has insurance gap. Flag stored
  in intake_data.insurance_referral_requested.
- Checker CTA passes &ins=1 when insurance issues found.
- MCS-150: use mcs150Outdated=N from FMCSA API to show green even
  without exact date. Fixes "Filing date not available" for carriers
  not in local census.

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

api/src/routes/dot-lookup.ts

@@ -109,10 +109,17 @@ router.get("/api/v1/dot/lookup", async (req, res) => {
           id: "mcs150",
           label: "MCS-150 Biennial Update",
           status: "red",
-          detail: `OVERDUE — last filed ${mcs150Date || "unknown date"}. The MCS-150 must be updated every 2 years. `
-            + `Failure to update can result in USDOT deactivation and fines up to $1,000/day (capped at $10,000). `
-            + `File at: https://safer.fmcsa.dot.gov/CompanyUpdateSearch.aspx`,
-          action_url: "https://safer.fmcsa.dot.gov/CompanyUpdateSearch.aspx",
+          detail: `OVERDUE${mcs150Date ? " — last filed " + mcs150Date : ""}. The MCS-150 must be updated every 2 years. `
+            + `Failure to update can result in USDOT deactivation and fines up to $1,000/day (capped at $10,000).`,
+          action_url: "https://portal.fmcsa.dot.gov/login",
+        });
+      } else if (carrier && carrier.mcs150Outdated === "N") {
+        // API confirms not outdated — show green even without exact date
+        checks.push({
+          id: "mcs150",
+          label: "MCS-150 Biennial Update",
+          status: "green",
+          detail: `Current${mcs150Date ? " — last filed " + mcs150Date : ""}.`,
         });
       } else if (mcs150Date) {
         checks.push({
@@ -126,7 +133,7 @@ router.get("/api/v1/dot/lookup", async (req, res) => {
           id: "mcs150",
           label: "MCS-150 Biennial Update",
           status: "unknown",
-          detail: "Filing date not available. Verify at SAFER.",
+          detail: "Could not determine MCS-150 status. Verify at the FMCSA Portal.",
         });
       }
     }

site/public/order/dot-compliance/index.html

@@ -171,6 +171,19 @@
 
       </div>
 
+      <!-- Insurance referral (shown if carrier has insurance issue and didn't submit on checker page) -->
+      <div id="pw-ins-referral" class="mt-4" hidden>
+        <div style="background:#eff6ff;border:2px solid #93c5fd;border-radius:12px;padding:16px">
+          <label style="display:flex;align-items:flex-start;gap:12px;cursor:pointer">
+            <input type="checkbox" id="ins-referral-check" checked style="margin-top:4px;width:18px;height:18px;accent-color:#2563eb">
+            <div>
+              <span style="font-weight:700;color:#1e3a5f;font-size:14px">Also get a free trucking insurance quote</span>
+              <p style="font-size:12px;color:#1d4ed8;margin-top:4px">We noticed your FMCSA insurance filing has a gap. Check this box and we'll connect you with a licensed trucking insurance agent — no extra charge, no obligation.</p>
+            </div>
+          </label>
+        </div>
+      </div>
+
       <!-- Total + checkout -->
       <div id="pw-total-section" class="mt-6 bg-white border border-gray-200 rounded-xl p-6 shadow-sm" hidden>
         <div id="pw-total-rows"></div>
@@ -233,6 +246,12 @@ var promoFromUrl = params.get("code") || params.get("promo") || "";
 
 function usd(cents) { return "$" + (cents / 100).toLocaleString("en-US", {minimumFractionDigits: 2}); }
 
+// Show insurance referral if ?ins=1 from checker page
+var showInsReferral = params.get("ins") === "1";
+if (showInsReferral) {
+  document.getElementById("pw-ins-referral").hidden = false;
+}
+
 // Pre-fill entity info
 if (dot) {
   fetch(API + "/api/v1/dot/lookup?dot=" + dot).then(function(r) { return r.json(); }).then(function(d) {
@@ -241,6 +260,13 @@ if (dot) {
       document.getElementById("pw-entity-dot").textContent = "DOT# " + dot;
       document.getElementById("pw-entity-bar").hidden = false;
     }
+    // Also show insurance referral if carrier has insurance issues
+    if (!showInsReferral && d.checks) {
+      var hasInsIssue = d.checks.some(function(c) { return c.id && c.id.indexOf("insurance") === 0 && c.status === "red"; });
+      if (hasInsIssue) {
+        document.getElementById("pw-ins-referral").hidden = false;
+      }
+    }
   }).catch(function() {});
 }
 if (emailFromUrl) { var e = document.getElementById("pw-email"); if (e) e.value = emailFromUrl; }
@@ -301,7 +327,11 @@ document.getElementById("pw-batch-form").addEventListener("submit", function(e)
     customer_email: document.getElementById("pw-email").value.trim(),
     customer_phone: document.getElementById("pw-phone").value.trim() || undefined,
     discount_code: document.getElementById("pw-promo").value.trim() || undefined,
-    intake_data: { dot_number: dot, source: "dot-compliance-remediation" },
+    intake_data: {
+      dot_number: dot,
+      source: "dot-compliance-remediation",
+      insurance_referral_requested: document.getElementById("ins-referral-check")?.checked || false,
+    },
     engagement_accepted: true
   };
 

site/public/tools/dot-compliance-check/index.html

@@ -269,6 +269,7 @@ Send reset link
         recommendedServices.push("mcs150-update");
       }
       var svcParam = recommendedServices.length > 0 ? "&services=" + recommendedServices.join(",") : "";
+      if (hasInsuranceIssue) svcParam += "&ins=1";
 
       html += '<div style="background:linear-gradient(135deg,#fff7ed,#ffedd5);border:2px solid #f97316;border-radius:12px;padding:24px;text-align:center;margin-top:8px">';
       html += '<h3 style="font-size:18px;font-weight:700;color:#111827;margin-bottom:8px">' + redCount + ' compliance issue' + (redCount > 1 ? 's' : '') + ' found</h3>';