Session account switch · final design

Which recovery runs

Settings	When the limit hits
Both off (default)	Frame A: the limit strip with Switch account and Resume at reset.
Auto-resume on	Frame E: the strip opens already scheduled, with Cancel auto-resume.
Auto-switch on, an account in the order has quota	Frame G: no strip, no dialog. The session moves; a divider and a toast say so.
Auto-switch on, every account limited	Falls through to auto-resume if on (frame E), otherwise frame A. Resume targets the original account's reset.

The strip replaces the in-chat error. The synthetic "you've hit your limit" reply is not rendered as a message. The unanswered message is tagged Cut off by usage limit and stays open until Claude answers it. The limit can land mid-turn, so it is never re-sent: resume says “Continue where you left off.”, a switch hands it over with a note that some work may be done, and a new message carries a hidden note that it is still open. Dismiss on the tag drops it.
The strip is the only limit UI in the chat. It has no dismiss button and leaves when the session is unblocked: switched, resumed, or the reset time passes.
A manual switch always confirms with the handoff dialog (frame C), because it costs a cold prompt cache and drops reasoning. The divider's What carried over? reopens the same summary read-only, including after an auto-switch.
Auto-switch guardrails: at most one switch per limited turn; skip accounts known to be limited until their reset; always leave a divider; never switch in the middle of a turn.
Resume at reset is per session and survives daemon restarts. It is re-checked when it fires (account still limited means stay waiting, session already moved means cancel).
Phone: the strip keeps both full labels on full-width buttons; the dropdown and dialog become bottom sheets.

Where	Text
Strip title	Usage limit reached · work2claude
Strip detail	Weekly limit · resets Mon 9:00 / 5-hour limit · resets 14:30 / Reset time unavailable
Buttons	Switch account · Resume at reset · Cancel auto-resume
Waiting strip	Resumes on work2claude at Mon 9:00 · in 2d 13h
Cut-off tag	Cut off by usage limit · Dismiss
Dialog	Continue on personal? · Switch and continue · Cancel
Dividers	Continued on personal · switched by you / auto-switch · Resumed on work2claude after reset
Settings	Auto-resume limited sessions · Auto-switch account when limited