AI claims triage · carriers and TPAs

Every claim triaged before the file is an hour old

Claimwise reads the first notice of loss, pulls the policy, tests coverage, scores the fraud signals and routes the file to an adjuster with the right authority. Complex claims reach a human faster, not slower.

GuidewireDuck CreekSapiensSnapsheet
Claim AT-88214 · auto, rear-endTriaged 00:11

FNOL received09:14:02

Voice call transcribed, loss details and third-party contact extracted.

Policy matched09:14:19

Active, premium current, comprehensive with $500 deductible.

Coverage tested09:16:40

Loss date inside term. Vehicle listed. No exclusion triggered.

Signal raised09:21:05

Third party shares an address with a claimant on file CL-71903.

Routed09:25:11

Assigned to SIU-adjacent queue, adjuster M. Vance, with the link.

How it works

Three passes, in the order an experienced adjuster would run them

Claimwise does not decide claims. It prepares them, so the person who decides starts from a complete file instead of an empty one.

PASS ONE

Read the loss, whatever form it arrives in

FNOL comes in by phone, portal, broker email, PDF and photo. Claimwise normalises all of it into one structured file.

  • Voice calls transcribed and the loss narrative extracted
  • Damage photos assessed for consistency with the description
  • Police reports and estimates parsed, not just attached
Channels normalised7
Fields extracted per FNOL64
Requires human keying0
Median time to structured file2m 40s
PASS TWO

Test coverage against the policy as written

Not a similarity score against other policies. The actual wording on this contract, this endorsement, this schedule.

  • Loss date, listed items and named insureds checked line by line
  • Every exclusion evaluated, with the clause quoted in the output
  • Ambiguity escalates to a human rather than resolving itself
100%
Of coverage conclusions cite the exact policy clause that produced them. A conclusion with no citation is never emitted.
PASS THREE

Score risk, then route with authority in mind

Straightforward claims go down the fast lane. Anything with a signal goes to someone qualified to look at it, immediately.

  • Network and address links surfaced across the whole book
  • Reserve suggested from comparable settled claims, never auto-set
  • Routed by severity, complexity and the adjuster's authority limit
Fast-lane eligible61%
Routed to specialist31%
Referred to SIU8%
Auto-decided by the model0%
Results

One regional motor carrier, twelve months

Personal auto and light commercial, roughly 74,000 claims a year.

11 min
FNOL to routed file
-38%
Cycle time on straightforward claims
+2.4pt
Fraud referrals that stood up
-$4.1M
Leakage across the book
Governance

Built to survive a regulator asking why

Every output carries its reasoning, its source and its confidence. Where confidence is low, Claimwise says so instead of rounding up.

ACCOUNTABILITY

No decision without a person

Claimwise never approves, declines or pays. It assembles, tests and recommends. A named adjuster makes every determination and their name is on the file, not a model version number.

  • Full decision log exportable for audit or complaint handling
  • Model version, prompt and inputs recorded against each claim
  • Outcome monitoring by protected characteristic, reported quarterly
Claims auto-decidedNone
Recommendations with citations100%
Audit log retention7 years
Customer data used for trainingNever

Replay a month of closed claims

Give us a month you have already settled. Claimwise triages it blind and we compare its routing and reserve suggestions against what your team actually did.

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