fix(rag): inject PFLICHT-reminder for doc-keywords to prevent LLM skipping rag_search

When session history already contained insurance/document answers,
the LLM would skip rag_search and hallucinate from memory.
Now: if doc keywords detected, inject system-message reminder AFTER
session history but BEFORE user question, forcing rag_search call.

Fixes #51 follow-up: LVM query returned wrong answer.

homelab-ai-bot/llm.py

@@ -412,6 +412,21 @@ def ask_with_tools(question: str, tool_handlers: dict, session_id: str = None) -
 
     messages.append({"role": "user", "content": question})
 
+    # --- RAG-Pflicht: Wenn Dokument-Keywords erkannt, rag_search erzwingen ---
+    _DOC_KEYWORDS = [
+        "versicherung", "vertrag", "verträge", "dokument", "rente",
+        "finanzamt", "steuer", "grundsteuer", "familienbuch", "urkunde",
+        "bescheid", "police", "beitrag", "mietvertrag", "arbeitsvertrag",
+        "kindergeld", "rechnung", "haftpflicht", "rechtsschutz",
+        "lebensversicherung", "bauspar", "reisepass", "personalausweis",
+        "lvm", "allianz", "ergo", "huk", "nürnberger", "nuernberger",
+    ]
+    if route == MODEL_LOCAL and any(k in question.lower() for k in _DOC_KEYWORDS):
+        messages.insert(-1, {"role": "system", "content":
+            "PFLICHT: Diese Frage betrifft persoenliche Dokumente. "
+            "Du MUSST rag_search aufrufen BEVOR du antwortest. "
+            "Antworte NIEMALS aus dem Gedaechtnis oder der Session-History ohne vorher gesucht zu haben."})
+
     # --- Online (Sonar): kein Tool-Calling, Sonar sucht selbst ---
     if route == MODEL_ONLINE:
         try: