{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://claimity/api/schemas/claims/fraud-claim.schema.json",
  "title": "Fraud Claim Payload",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "policyNumber",
    "claimInsurance",
    "claimType",
    "insured",
    "location",
    "incidentDate",
    "damageDescription",
    "estimatedAmount",
    "estimatedCurrency",
    "supportRequest"
  ],
  "$defs": {
    "optionalDate": {
      "$comment": "Optional ISO date. Empty string and null both mean 'not set'. Deliberately NOT modelled as oneOf[format:date, maxLength:0, null]: `format` is annotation-only (RequireFormatValidation is off), so an empty string would match two branches and oneOf would fail.",
      "type": [
        "string",
        "null"
      ],
      "pattern": "^(\\d{4}-(0[1-9]|1[0-2])-(0[1-9]|[12]\\d|3[01]))?$"
    },
    "driverAtIncident": {
      "type": "string",
      "enum": [
        "unknown",
        "yes",
        "no"
      ]
    },
    "isDriver": {
      "$comment": "Matches a party object that is explicitly marked as the driver.",
      "type": "object",
      "properties": {
        "driverAtIncident": {
          "const": "yes"
        }
      },
      "required": [
        "driverAtIncident"
      ]
    }
  },
  "properties": {
    "policyNumber": {
      "type": "string",
      "minLength": 1,
      "maxLength": 200,
      "examples": [
        "POL-2026-00123"
      ]
    },
    "claimInsurance": {
      "type": "string",
      "enum": [
        "liability",
        "partial",
        "comprehensive"
      ]
    },
    "claimType": {
      "type": "string",
      "minLength": 1,
      "maxLength": 200,
      "examples": [
        "Theft"
      ]
    },
    "insured": {
      "type": "object",
      "additionalProperties": true,
      "properties": {
        "name": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Max Sample"
          ]
        },
        "address": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Sample Street 1"
          ]
        },
        "postalCode": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "8001"
          ]
        },
        "city": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Zurich"
          ]
        },
        "phone": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "+41 44 123 45 67"
          ]
        },
        "email": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "max.sample@example.ch"
          ]
        },
        "note": {
          "type": "string",
          "examples": [
            "Reachable after 2 pm"
          ]
        },
        "birthPostalCode": {
          "type": "string",
          "examples": [
            "8003"
          ]
        },
        "birthCity": {
          "type": "string",
          "examples": [
            "Zurich"
          ]
        },
        "birthDate": {
          "$ref": "#/$defs/optionalDate",
          "examples": [
            "1985-04-12"
          ]
        },
        "driverAtIncident": {
          "$ref": "#/$defs/driverAtIncident"
        },
        "licensePlate": {
          "type": "string",
          "examples": [
            "ZH 123456"
          ]
        },
        "carMake": {
          "type": "string",
          "examples": [
            "VW"
          ]
        },
        "carModel": {
          "type": "string",
          "examples": [
            "Golf"
          ]
        },
        "vin": {
          "type": "string",
          "examples": [
            "WVWZZZ1KZAW123456"
          ]
        }
      },
      "required": [
        "name",
        "address",
        "postalCode",
        "city",
        "phone",
        "email"
      ]
    },
    "counterparty": {
      "type": "object",
      "additionalProperties": true,
      "properties": {
        "name": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Erika Example"
          ]
        },
        "address": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Example Road 2"
          ]
        },
        "postalCode": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "3011"
          ]
        },
        "city": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Bern"
          ]
        },
        "phone": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "+41 31 987 65 43"
          ]
        },
        "email": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "erika.example@example.ch"
          ]
        },
        "note": {
          "type": "string",
          "examples": [
            "Represented by a lawyer"
          ]
        },
        "birthPostalCode": {
          "type": "string",
          "examples": [
            "3007"
          ]
        },
        "birthCity": {
          "type": "string",
          "examples": [
            "Bern"
          ]
        },
        "birthDate": {
          "$ref": "#/$defs/optionalDate",
          "examples": [
            "1979-11-02"
          ]
        },
        "driverAtIncident": {
          "$ref": "#/$defs/driverAtIncident"
        },
        "licensePlate": {
          "type": "string",
          "examples": [
            "BE 654321"
          ]
        },
        "carMake": {
          "type": "string",
          "examples": [
            "Audi"
          ]
        },
        "carModel": {
          "type": "string",
          "examples": [
            "A4"
          ]
        },
        "vin": {
          "type": "string",
          "examples": [
            "WAUZZZ8K9BA123456"
          ]
        }
      }
    },
    "insuredPersons": {
      "type": "array",
      "maxItems": 25,
      "items": {
        "type": "object",
        "additionalProperties": true,
        "properties": {
          "name": {
            "type": "string",
            "examples": [
              "Petra Extra"
            ]
          },
          "address": {
            "type": "string",
            "examples": [
              "Side Lane 4"
            ]
          },
          "postalCode": {
            "type": "string",
            "examples": [
              "8400"
            ]
          },
          "city": {
            "type": "string",
            "examples": [
              "Winterthur"
            ]
          },
          "phone": {
            "type": "string",
            "examples": [
              "+41 79 222 33 44"
            ]
          },
          "email": {
            "type": "string",
            "examples": [
              "petra.extra@example.ch"
            ]
          },
          "birthPostalCode": {
            "type": "string",
            "examples": [
              "8003"
            ]
          },
          "birthCity": {
            "type": "string",
            "examples": [
              "Zurich"
            ]
          },
          "birthDate": {
            "$ref": "#/$defs/optionalDate",
            "examples": [
              "1990-09-30"
            ]
          },
          "driverAtIncident": {
            "$ref": "#/$defs/driverAtIncident"
          }
        }
      },
      "$comment": "minContains:0 keeps the empty array valid. errorMessage is keyed by the keyword the evaluator actually reports — min/maxContains violations both surface as `contains`.",
      "errorMessage": {
        "contains": "at most one entry may have driverAtIncident = \"yes\".",
        "maxItems": "at most 25 additional persons can be submitted."
      },
      "contains": {
        "$ref": "#/$defs/isDriver"
      },
      "minContains": 0,
      "maxContains": 1
    },
    "counterpartyPersons": {
      "type": "array",
      "maxItems": 25,
      "items": {
        "type": "object",
        "additionalProperties": true,
        "properties": {
          "name": {
            "type": "string",
            "examples": [
              "Petra Extra"
            ]
          },
          "address": {
            "type": "string",
            "examples": [
              "Side Lane 4"
            ]
          },
          "postalCode": {
            "type": "string",
            "examples": [
              "8400"
            ]
          },
          "city": {
            "type": "string",
            "examples": [
              "Winterthur"
            ]
          },
          "phone": {
            "type": "string",
            "examples": [
              "+41 79 222 33 44"
            ]
          },
          "email": {
            "type": "string",
            "examples": [
              "petra.extra@example.ch"
            ]
          },
          "birthPostalCode": {
            "type": "string",
            "examples": [
              "8003"
            ]
          },
          "birthCity": {
            "type": "string",
            "examples": [
              "Zurich"
            ]
          },
          "birthDate": {
            "$ref": "#/$defs/optionalDate",
            "examples": [
              "1990-09-30"
            ]
          },
          "driverAtIncident": {
            "$ref": "#/$defs/driverAtIncident"
          }
        }
      },
      "$comment": "minContains:0 keeps the empty array valid. errorMessage is keyed by the keyword the evaluator actually reports — min/maxContains violations both surface as `contains`.",
      "errorMessage": {
        "contains": "at most one entry may have driverAtIncident = \"yes\".",
        "maxItems": "at most 25 additional persons can be submitted."
      },
      "contains": {
        "$ref": "#/$defs/isDriver"
      },
      "minContains": 0,
      "maxContains": 1
    },
    "location": {
      "type": "object",
      "additionalProperties": true,
      "properties": {
        "address": {
          "type": "string",
          "examples": [
            "Sample Street 1"
          ]
        },
        "postalCode": {
          "type": "string",
          "examples": [
            "8001"
          ]
        },
        "city": {
          "type": "string",
          "minLength": 1,
          "examples": [
            "Zurich"
          ]
        }
      },
      "required": [
        "city"
      ]
    },
    "incidentDate": {
      "type": "string",
      "pattern": "^\\d{4}-(0[1-9]|1[0-2])-(0[1-9]|[12]\\d|3[01])$",
      "examples": [
        "2026-01-15"
      ]
    },
    "incidentTime": {
      "type": [
        "string",
        "null"
      ],
      "pattern": "^([01]\\d|2[0-3]):([0-5]\\d)$",
      "examples": [
        "14:30"
      ]
    },
    "damageDescription": {
      "type": "string",
      "minLength": 1,
      "maxLength": 4000,
      "examples": [
        "Contradictory statements about the course of events"
      ]
    },
    "estimatedAmount": {
      "$comment": "Non-negative. The string branch deliberately has no leading minus.",
      "oneOf": [
        {
          "type": "number",
          "minimum": 0
        },
        {
          "type": "string",
          "pattern": "^\\d+(\\.\\d+)?$"
        }
      ],
      "examples": [
        "2500"
      ]
    },
    "estimatedCurrency": {
      "type": "string",
      "enum": [
        "CHF",
        "EUR",
        "USD"
      ]
    },
    "supportRequest": {
      "type": "string",
      "minLength": 1,
      "maxLength": 10000,
      "examples": [
        "Please review the course of events for inconsistencies."
      ]
    },
    "remarks": {
      "type": [
        "string",
        "null"
      ],
      "maxLength": 4000,
      "examples": [
        "Previous reports by the same policyholder exist."
      ]
    }
  },
  "allOf": [
    {
      "$comment": "The counterparty is only mandatory for liability.",
      "if": {
        "properties": {
          "claimInsurance": {
            "const": "liability"
          }
        },
        "required": [
          "claimInsurance"
        ]
      },
      "then": {
        "required": [
          "counterparty"
        ],
        "properties": {
          "counterparty": {
            "type": "object",
            "required": [
              "name",
              "address",
              "postalCode",
              "city",
              "phone",
              "email"
            ],
            "properties": {
              "name": {
                "type": "string",
                "minLength": 1
              },
              "address": {
                "type": "string",
                "minLength": 1
              },
              "postalCode": {
                "type": "string",
                "minLength": 1
              },
              "city": {
                "type": "string",
                "minLength": 1
              },
              "phone": {
                "type": "string",
                "minLength": 1
              },
              "email": {
                "type": "string",
                "minLength": 1
              }
            }
          }
        }
      }
    },
    {
      "$comment": "The `required` guards matter: without them a missing persons array makes the branch vacuously true, which would wrongly forbid the main party from being the driver.",
      "errorMessage": "only one person on the policyholder side may have driverAtIncident = \"yes\" — it is set on both `insured` and an entry in `insuredPersons`.",
      "not": {
        "allOf": [
          {
            "properties": {
              "insured": {
                "$ref": "#/$defs/isDriver"
              }
            },
            "required": [
              "insured"
            ]
          },
          {
            "properties": {
              "insuredPersons": {
                "contains": {
                  "$ref": "#/$defs/isDriver"
                }
              }
            },
            "required": [
              "insuredPersons"
            ]
          }
        ]
      }
    },
    {
      "errorMessage": "only one person on the counterparty side may have driverAtIncident = \"yes\" — it is set on both `counterparty` and an entry in `counterpartyPersons`.",
      "not": {
        "allOf": [
          {
            "properties": {
              "counterparty": {
                "$ref": "#/$defs/isDriver"
              }
            },
            "required": [
              "counterparty"
            ]
          },
          {
            "properties": {
              "counterpartyPersons": {
                "contains": {
                  "$ref": "#/$defs/isDriver"
                }
              }
            },
            "required": [
              "counterpartyPersons"
            ]
          }
        ]
      }
    }
  ]
}