POST /claims/{id}/photos → [{ file_base64, angle, type: 'accident' }] → S3
POST /claims/{id}/documents → [{ file_base64, type: 'police_report' }]
→ Stored permanently · Attached to claim record · Insurers can access directly

Future: POST /insurers/{id}/claims → { claim_id, vehicle_data, photos[], police_report }
→ Insurer API returns: { ack_ref, adjuster_assigned, expected_response_date }
→ Webhooks: status updates pushed in real-time to LimoGuard dashboard