- 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>
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