CLAIMS & CRISIS
Crisis Event
A Crisis Event is a Major Claim currently in progress — the policy shifts into emergency mode until it clears.
Definition
Crisis Event is the operational state, not the damage report. While the event is live, the Emergency Protocol takes priority, regular PROTECT is suspended, and the Claims Engine coordinates recovery.
Why this matters
Crisis handling is different from prevention. Knowing which mode the policy is in prevents using the wrong tool at the wrong time.
Related coverage
Major ClaimA Major Claim is a life event that forces the policy to pay out in full — divorce, blowup, burnout, public failure, rock bottom.Emergency ProtocolThe Emergency Protocol is the 60-second fallback that keeps coverage active when a trigger hits hard mid-day and the full PROTECT cannot run.Claims EngineThe Claims Engine is the part of the system that detects, scores, and responds to claims — MIO runs it in real time.