AI-Powered Insurance Claims Automation
How we cut claim processing time from 30 minutes to under 30 seconds — without replacing a single system.
The Problem Nobody Talks About
Your adjusters aren't slow. The process is.
When an auto insurance claim lands on a desk, what happens next looks like this: An adjuster opens a police report. Finds the VIN buried in paragraph three. Types it into the system. Opens the repair estimate. Finds the VIN again — checks if it matches. It doesn't. Calls someone. Waits. Re-enters the field.
Repeat that across 48 required fields, across three to five documents, for every single claim that comes through the door.
That's 25 to 35 minutes of pure data entry per claim. Not evaluation. Not judgment. Not the work your adjusters were hired to do. Just copying information from one document into a box on a screen.
At 300 claims a month, you're paying skilled staff to be human copy-paste machines — and the margin for error compounds with every hour of fatigue.
The real cost isn't just the time. It's what that time is doing to your operation.
What's Actually Breaking
Three failure points that compound into real money lost
Nobody's cross-referencing in real time.
A police report says "2022 Honda Accord." The repair estimate says "2021 Honda Accord." A rushed adjuster misses it. That discrepancy doesn't surface until it hits the wrong desk — and by then, it's a payment delay, a compliance flag, or a reopened claim. Manual review catches this occasionally. Systematic review catches it every time.
One typo can hold up an entire payment.
A single digit off on a policy number triggers a downstream chain reaction — payment queues, compliance reviews, manual interventions. The error took two seconds to make. Fixing it takes two days.
You can't scale during storm season without scaling headcount.
High-volume periods mean temporary hires. Temp hires mean less experienced staff. Less experienced staff means more errors. More errors mean more rework. It's a cycle that costs you both ways — payroll going up, accuracy going down — at the exact moment you can least afford it.
How It Works
We didn't rebuild your claims management system. We built a fast, intelligent layer that sits in front of it — handling the extraction and verification so your adjusters can focus on the decisions only humans should make.
Drop Everything In at Once
The adjuster drags and drops up to 8 files — PDFs, photos, scanned documents — into a single upload interface. The system immediately reads each one and classifies it: this is a police report, this is a repair estimate, this is a registration document. No sorting. No labeling. No pre-processing.
The AI Reads All of It at the Same Time
This is where most document tools fall short. They process files one at a time, which means they can't catch inconsistencies between documents. Our system sends everything into a single context window simultaneously — reading the police report, the repair invoice, and the vehicle registration as one body of information. When the police report says “2021” and the registration says “2022,” the system doesn't guess — it knows which source to trust, flags the discrepancy, and surfaces it for the adjuster to verify in seconds.
Confidence Scores, Not Blind Approvals
Every extracted field gets a confidence rating. Green fields — high confidence — flow through automatically. Red fields — ambiguous or conflicting — are flagged for a human to review. Your adjuster's job shifts from re-typing 48 fields to reviewing the handful that actually need their attention. The result: faster throughput, fewer errors, and adjusters who spend their time on real judgment calls.
Under the Hood
The system is designed so that no sensitive claim data lives in the processing layer. Every request is stateless — data comes in, gets processed, goes out in structured format. Nothing is stored between sessions.
The output conforms to ACORD 2 standards, which means it drops directly into whatever agency management system you're already running. There's no migration, no integration project, no switching costs.
Document Upload
Handles up to 8 mixed file types simultaneously with automatic validation.
AI Vision Processing
All documents processed together in a single context window, resolving conflicts by source hierarchy.
Structured Export
Output is structured data your existing system already understands — ACORD 2 compliant.
What We Learned
Adjusters don't want less control. They want fewer surprises.
The instinct when building automation is to remove humans from the loop entirely. That's the wrong move here. Adjusters are experienced — they have good instincts about edge cases, fraud signals, and unusual claims. What they don't need is to manually transcribe a VIN before they can apply any of that expertise. The system we built earns trust by being transparent. Every decision it makes is visible. Every flag it raises has a reason. Adjusters can override anything. That transparency wasn't an afterthought — it was the reason adoption happened without resistance.
Institutional knowledge locked in people's heads is a liability.
Every agency has that one person who knows exactly which fields matter for which carrier, what to do when a document is missing, and how to read between the lines on a borderline claim. When that person leaves, the knowledge walks out the door. We encoded the logic that experienced adjusters rely on — field hierarchy rules, carrier-specific requirements, common discrepancy patterns — directly into the system. It doesn't replace expertise. It preserves it, and makes it available to every person on the team regardless of experience level.
One issue at a time is faster than everything at once.
When an adjuster reviews flagged fields, the interface surfaces one issue at a time rather than dumping a full error list. The difference between "here are 12 problems" and "here's the one thing to resolve right now" is the difference between cognitive overload and forward momentum. Resolution time dropped significantly just from this change. Staff moved through exception queues faster and with more confidence — because the system wasn't asking them to hold 12 things in their head simultaneously.
The Numbers
The bottleneck in most agencies isn't adjuster judgment. It's the mechanical work that happens before judgment can even begin. Remove that bottleneck, and throughput scales without adding headcount.
Based on 300 claims per month.
The savings figure accounts for staff time recaptured and rework eliminated. It doesn't account for the harder-to-quantify gains: fewer reopened claims, fewer compliance flags, and an operations team that isn't burned out after every bad weather week.