feat: complete in-person claims without final sign

docs/panel-roles-reference.html

@@ -217,7 +217,7 @@
                     <td><code>file_reviewer</code></td>
                     <td>FileReviewer panel</td>
                     <td>Assigned files</td>
-                    <td>V4/V5 damage assessment (accident fields, parts, captures, owner sign)</td>
+                    <td>V4/V5 damage assessment (accident fields, parts, captures; mixed-factor priced-line acceptance when needed)</td>
                 </tr>
                 <tr>
                     <td><code>registrar</code></td>
@@ -367,7 +367,7 @@
                     <tr><td><span class="method post">POST</span></td><td><code>v2/expert-claim/assign/:claimRequestId</code></td><td>Lock claim to this expert. Returns <code>assigned</code>, <code>already_assigned_to_you</code>, or 409.</td></tr>
                     <tr><td><span class="method get">GET</span></td><td><code>v2/expert-claim/request/:claimRequestId/price-drop</code></td><td>Price-drop context: severity labels, coefficient catalog, damaged parts + mapping, suggested car year from blame inquiry.</td></tr>
                     <tr><td><span class="method put">PUT</span></td><td><code>v2/expert-claim/request/:claimRequestId/price-drop</code></td><td>Calculate and persist price-drop: carPrice × yearCoeff × sumOfCoeffs ÷ 400.</td></tr>
-                    <tr><td><span class="method put">PUT</span></td><td><code>v2/expert-claim/reply/submit/:claimRequestId</code></td><td>Submit damage assessment reply (priced parts list, daghi, branchId). Cap: total ≤ 53 000 000 Toman. Depending on factorNeeded flags moves claim to owner-sign, mixed-factors-pending, or factor-validation queue.</td></tr>
+                    <tr><td><span class="method put">PUT</span></td><td><code>v2/expert-claim/reply/submit/:claimRequestId</code></td><td>Submit damage assessment reply (priced parts list, daghi, branchId). Cap: total ≤ 53 000 000 Toman. A priced-only claim completes immediately; factor claims continue through factor collection/validation. No final owner signature or automatic Fanavaran submission.</td></tr>
                     <tr><td><span class="method put">PUT</span></td><td><code>v2/expert-claim/reply/resend/:claimRequestId</code></td><td>Request user to resend documents/photos. One resend per claim lifecycle; returns 422 if already fulfilled.</td></tr>
                     <tr><td><span class="method patch">PATCH</span></td><td><code>v2/expert-claim/:claimRequestId/visit</code></td><td>Ask user to come in person. Unlocks claim, sets claimStatus to NEEDS_REVISION.</td></tr>
                     <tr><td><span class="method patch">PATCH</span></td><td><code>v2/expert-claim/validate-factors/:claimRequestId</code></td><td>Validate uploaded repair factor invoices. Approve or reject each factor line with totalPayment. Cap applies across all lines (≤ 53 000 000 Toman). Auto-completes when all lines are decided.</td></tr>
@@ -444,7 +444,8 @@
                 OTPs, inquiries, location/description/voice, and signatures for both parties.
                 They also upload the initial claim documents (licences, car cards). After the second
                 signature the file is "sealed" for FileReviewer pickup. In V5, FileMaker comes
-                back at the end to approve or reject the completed claim before fanavaran submission.
+                back at the end to approve or reject the completed claim. After approval, an
+                expert submits the case to Fanavaran manually.
             </p>
 
             <div class="card card-purple">
@@ -468,10 +469,10 @@
 
             <div class="card card-purple">
                 <h3>V5 claim approval — <code>v5/file-maker/claim-approval/</code></h3>
-                <p class="note">Used only in V5. After damage expert review and owner sign, claim enters <code>WAITING_FOR_FILE_MAKER_APPROVAL</code>.</p>
+                <p class="note">Used only in V5. After damage expert review and any required factor validation, claim enters <code>WAITING_FOR_FILE_MAKER_APPROVAL</code>; no final owner signature is needed.</p>
                 <table>
                     <tr><th style="width:70px">Method</th><th>Route</th><th>What it does</th></tr>
-                    <tr><td><span class="method post">POST</span></td><td><code>approve/:claimId</code></td><td>Approve the completed claim → triggers owner sign SMS → fanavaran submission after owner signs.</td></tr>
+                    <tr><td><span class="method post">POST</span></td><td><code>approve/:claimId</code></td><td>Approve the completed claim → claim becomes <code>COMPLETED</code>. An expert submits to Fanavaran manually when ready.</td></tr>
                     <tr><td><span class="method post">POST</span></td><td><code>reject/:claimId</code></td><td>Reject back to FileReviewer → claim returns to WAITING_FOR_DAMAGE_EXPERT. Limit: max 2 rejections per claim; 3rd attempt returns 422 <code>FILE_MAKER_REJECTION_LIMIT_EXCEEDED</code>.</td></tr>
                 </table>
             </div>
@@ -482,7 +483,7 @@
                 The second actor in the V4/V5 split. FileReviewer picks up sealed files (after
                 FileMaker is done) and performs the full damage assessment pass: accident fields,
                 capture requirements lookup, document upload (chassis/engine), part selection,
-                part photos, walk-around video, owner signature. The blame is marked COMPLETED
+                part photos and walk-around video. The blame is marked COMPLETED
                 by car-capture. FileReviewer also has read access to the expert-claim panel for
                 claims they are reviewing.
             </p>
@@ -492,8 +493,8 @@
                 <p class="note">V4 and V5 endpoints are identical — only the prefix changes.</p>
                 <table>
                     <tr><th style="width:70px">Method</th><th>Route</th><th>What it does</th></tr>
-                    <tr><td><span class="method get">GET</span></td><td><code>my-files</code></td><td>List all files assigned to this FileReviewer.</td></tr>
-                    <tr><td><span class="method get">GET</span></td><td><code>my-files/:requestId</code></td><td>Full detail for one file (parties, workflow, expert fields, linked claim ID).</td></tr>
+                    <tr><td><span class="method get">GET</span></td><td><code>my-files</code></td><td>List FileMaker-sealed files available to claim in this reviewer’s insurer, plus files already assigned to this FileReviewer.</td></tr>
+                    <tr><td><span class="method get">GET</span></td><td><code>my-files/:requestId</code></td><td>Full detail for one available or assigned file in this reviewer’s insurer (parties, workflow, expert fields, linked claim ID).</td></tr>
                     <tr><td><span class="method get">GET</span></td><td><code>claim-id/:requestId</code></td><td>Get the auto-created claim ID (from FileMaker's guilty-party inquiry).</td></tr>
                     <tr><td><span class="method post">POST</span></td><td><code>accident-fields/:requestId</code></td><td>Step 1 (FileReviewer): save accident fields (accidentWay, accidentReason, accidentType).</td></tr>
                     <tr><td><span class="method get">GET</span></td><td><code>capture-requirements/:claimId</code></td><td>Step-aware capture requirements (pre-capture docs phase vs capture-parts phase).</td></tr>
@@ -502,7 +503,7 @@
                     <tr><td><span class="method patch">PATCH</span></td><td><code>select-other-parts/:claimId</code></td><td>Select other (non-body) damaged parts.</td></tr>
                     <tr><td><span class="method post">POST</span></td><td><code>capture-part/:claimId</code></td><td>Capture part photos + angles for each selected damaged part.</td></tr>
                     <tr><td><span class="method patch">PATCH</span></td><td><code>car-capture/:claimId</code></td><td>Walk-around video (final FileReviewer capture step). Claim → <code>WAITING_FOR_DAMAGE_EXPERT</code>, blame → <code>COMPLETED</code>.</td></tr>
-                    <tr><td><span class="method put">PUT</span></td><td><code>claim-sign/:claimId</code></td><td>Submit owner signature on expert pricing on behalf of the damaged party (agree + branchId + signature image).</td></tr>
+                    <tr><td><span class="method put">PUT</span></td><td><code>claim-sign/:claimId</code></td><td>For mixed priced/factor claims only: record acceptance of priced lines before factor uploads. A final owner signature is no longer required.</td></tr>
                     <tr><td><span class="method post">POST</span></td><td><code>upload-video/:requestId</code></td><td class="dep">No-op in V4/V5 — blame already COMPLETED by car-capture. Returns idempotent success.</td></tr>
                 </table>
             </div>