new-site/scripts/workers/services/sc_coc_filing.py

"""South Carolina intrastate Certificate of Compliance (COC) flow.

For-hire PROPERTY carriers based in / operating intrastate in SC register via the
SCDMV Certificate of Compliance (COC) — NOT a PSC certificate (which only covers
passenger, household-goods, and hazardous-waste-for-disposal carriers).

Compliance steps we automate for an SC intrastate property carrier:
  1. Confirm the carrier's liability insurance is (or will be) filed with SCDMV
     on a Form E by their INSURANCE COMPANY (SCDMV does not accept an ACORD cert).
     We email a simple yes/no question with a one-click response page.
       - YES -> proceed to bill the $25 COC fee + file the COC application.
       - NO  -> open a broker-referral ticket so we connect them with an insurer
         that writes SC intrastate liability and can file the Form E.
  2. Bill the exact $25 SCDMV COC new-application fee at cost (gov-fee child),
     reusing the standard payment-link flow.
  3. Fill + submit the SCDMV Form COC (mail w/ $25 check to Blythewood, or fax),
     and confirm the Form E is on record.

Coverage class (drives whether cargo insurance / Form H is needed, and is the
basis for the state fee determination):
  - E-L  : low-value commodities (scrap metal, dump-truck aggregates) — Form E
           liability only, no cargo insurance.
  - E-LC : property properly insured for any cargo — Form E + Form H.

Insurance minimums (intrastate, non-hazmat liability):
  - GVWR >= 10,000 lbs: $750,000
  - GVWR <  10,000 lbs: $300,000
"""

from __future__ import annotations

import json
import logging
import os
import smtplib
from email.mime.text import MIMEText

LOG = logging.getLogger("workers.services.sc_coc_filing")

SITE = os.getenv("PUBLIC_SITE_URL", "https://performancewest.net").rstrip("/")
SMTP_HOST = os.getenv("SMTP_HOST", "co.carrierone.com")
SMTP_PORT = int(os.getenv("SMTP_PORT", "587"))
SMTP_USER = os.getenv("SMTP_USER", "")
SMTP_PASS = os.getenv("SMTP_PASS", "")
SMTP_FROM = os.getenv("SMTP_FROM", "Performance West <noreply@performancewest.net>")
FROM_ADDR = "noreply@performancewest.net"
# Replies (carrier questions) route to the monitored info@ mailbox.
REPLY_TO = os.getenv("SC_COC_REPLY_TO", "info@performancewest.net")

# SCDMV COC submission coordinates (from SCDMV Form COC, rev 11/2025).
SCDMV_COC = {
    "mail": "SCDMV, P.O. Box 1498, Blythewood, SC 29016-0027",
    "fax": "(803) 896-2698",
    "phone": "(803) 896-3870",
    "new_fee_usd": 25,
}


def liability_minimum_usd(intake: dict) -> int:
    """SC intrastate non-hazmat liability minimum by GVWR bracket."""
    bracket = (intake.get("gross_weight_bracket") or "").lower()
    # Treat unknown / 26k / 80k brackets as the >=10k bucket (the common case).
    if bracket in ("under_10k", "lt_10k"):
        return 300_000
    return 750_000


def insurance_response_url(order_number: str, answer: str) -> str:
    """One-click yes/no link the customer clicks from the email."""
    return f"{SITE}/order/sc-insurance?order={order_number}&have={answer}"


def send_insurance_question_email(order_number: str, customer_email: str,
                                  customer_name: str, entity_name: str,
                                  intake: dict) -> bool:
    """Email the carrier a simple yes/no: do they have SC intrastate liability
    insurance their insurer can file on a Form E with SCDMV?"""
    if not customer_email:
        return False
    minimum = liability_minimum_usd(intake)
    yes_url = insurance_response_url(order_number, "yes")
    no_url = insurance_response_url(order_number, "no")
    body = (
        f"Hi {customer_name or 'there'},\n\n"
        f"We're getting your South Carolina intrastate authority set up for "
        f"{entity_name}. In SC, a for-hire carrier like yours registers with the "
        f"SCDMV (Certificate of Compliance) — and the one thing the state requires "
        f"from your insurance company is a liability filing called a \"Form E.\"\n\n"
        f"Quick question so we know how to proceed:\n\n"
        f"Does your current insurance company have (or can they file) a Form E "
        f"showing at least ${minimum:,} in liability coverage for South Carolina "
        f"intrastate operation?\n\n"
        f"(Note: this must be a Form E filed by your insurance COMPANY directly "
        f"with SCDMV — a regular ACORD certificate of insurance is not accepted.)\n\n"
        f"Not sure? Give your insurance agent a quick call and ask if they can "
        f"file a Form E with the SCDMV before choosing below — that way we pick "
        f"the right next step the first time.\n\n"
        f"✅ YES — my insurer can file the Form E:\n{yes_url}\n\n"
        f"❌ NO / NOT SURE — I need help getting the right insurance:\n{no_url}\n\n"
        f"If you click NO, no problem — we'll connect you with a broker who writes "
        f"SC intrastate trucking liability and can file the Form E for you.\n\n"
        f"Once your Form E is on file, we complete your SCDMV Certificate of "
        f"Compliance and you're cleared to operate.\n\n"
        f"Order: {order_number}\n"
        f"Questions? Just reply here or call (888) 411-0383.\n\n"
        f"Performance West Inc.\nDOT / State Motor Carrier Compliance\n"
    )
    try:
        msg = MIMEText(body)
        msg["Subject"] = f"Quick question about your SC insurance — {entity_name}"
        msg["From"] = SMTP_FROM
        msg["To"] = customer_email
        msg["Reply-To"] = REPLY_TO
        with smtplib.SMTP(SMTP_HOST, SMTP_PORT, timeout=30) as s:
            s.starttls()
            if SMTP_USER and SMTP_PASS:
                s.login(SMTP_USER, SMTP_PASS)
            s.sendmail(FROM_ADDR, [customer_email], msg.as_string())
        LOG.info("[%s] SC insurance question emailed to %s", order_number, customer_email)
        return True
    except Exception as exc:  # noqa: BLE001
        LOG.error("[%s] Failed to send SC insurance question: %s", order_number, exc)
        return False


def record_insurance_answer(order_number: str, have_insurance: bool) -> bool:
    """Persist the carrier's yes/no into intake_data.sc_coc_insurance. Returns
    True on success. Idempotent."""
    try:
        import psycopg2
        conn = psycopg2.connect(os.environ.get("DATABASE_URL", ""))
        with conn.cursor() as cur:
            cur.execute(
                "SELECT intake_data FROM compliance_orders WHERE order_number = %s",
                (order_number,),
            )
            row = cur.fetchone()
            if not row:
                conn.close()
                return False
            intake = row[0] or {}
            if isinstance(intake, str):
                intake = json.loads(intake)
            intake["sc_coc_insurance"] = "yes" if have_insurance else "no"
            from datetime import datetime, timezone
            intake["sc_coc_insurance_at"] = datetime.now(timezone.utc).isoformat()
            cur.execute(
                "UPDATE compliance_orders SET intake_data = %s, updated_at = now() "
                "WHERE order_number = %s",
                (json.dumps(intake), order_number),
            )
            conn.commit()
            conn.close()
        LOG.info("[%s] Recorded SC COC insurance answer: %s", order_number,
                 "yes" if have_insurance else "no")
        return True
    except Exception as exc:  # noqa: BLE001
        LOG.error("[%s] Failed to record insurance answer: %s", order_number, exc)
        return False


def build_coc_package(order_number: str, intake: dict,
                      coverage_class: str | None = None) -> str | None:
    """Fill the SCDMV Form COC for this order. Returns the filled PDF path."""
    try:
        from scripts.document_gen.templates.sc_coc_pdf_filler import fill_sc_coc
        return fill_sc_coc(intake, order_number=order_number, coverage_class=coverage_class)
    except Exception as exc:  # noqa: BLE001
        LOG.error("[%s] Failed to build COC package: %s", order_number, exc)
        return None