Claims adjuster
The insurer’s employee who settles a claim and approves the payment
Gets an estimate with the damaged parts marked and the repair priced, approves it, and decides each line where a repair shop’s estimate differs
A repair estimate from the customer’s photos, and an appraiser only where one is needed
We build this system to order for auto insurers. The customer photographs the car in the insurer’s app, AI finds the damaged parts and proposes to replace, repair or paint each one, and ordinary software prices the parts and labor from the catalogs. An adjuster approves the estimate, and an appraiser goes out only when the photos cannot settle it
Who works with it
Appraiser
The insurer’s expert who inspects a damaged car
Goes out only to cars the photos cannot settle: damage that may be hidden, or photos AI cannot read. Starts from the estimate already made
Head of claims
Runs the claims department
Sets which claims always get an inspection and how a repair shop’s estimate is compared. Sees where each claim went and why
What comes in
What the system reads for each claim, and what it writes back
Three ways out
The path of one claim
Damage photosfrom the insurer’s app
AIThe assessmentAI and catalog prices
- Estimate readythe adjuster approves
- Appraiser inspectsphotos can’t show it alla person decides
- Claims adjusterthe shop’s estimate differsa person decides
Example claims
Pick a car and see what AI finds on the photos
Made-up claims, picked to show each route. The estimate is the parts and what to do with them; prices come from the insurer’s own catalogs
Both left doors scraped along a concrete pillar
What AI found on the photos AI
- 1Left front door: scratches through the paintPaint
- 2Left rear door: a dent and scratchesRepair
- 3Left mirror: a broken housingReplace
The repair shop’s estimate, line by line Rule
- AgreesLeft front door: paint
- DiffersLeft rear door: replaceThe photos show a dent that can be repaired
- AgreesLeft mirror: replace
- DiffersLeft rocker panel: repair and paintThe photos show no damage to the rocker panel
Where the claim goes AIThe adjuster decides line by line
Lines of the repair shop’s estimate differ from what the photos show. The adjuster gets each difference and decides what the insurer pays for
Differences- Left rear door: replace: The photos show a dent that can be repaired
- Left rocker panel: repair and paint: The photos show no damage to the rocker panel
Software, AI and a person
Who does which part of the work
Software and AI assess every claim from its photos. A person approves every estimate
Ordinary software
Monotonous work with clear rules
- Takes each new claim from the claims system, with the photos and the car’s VIN
- Finds the OEM parts for this exact car by its VIN
- Prices the parts from the catalog and the labor from the repair times and rates
- Compares each line of a repair shop’s estimate with the estimate from the photos
- Writes the estimate and the route back to the claims system
AI: understand, weigh and choose
The small decisions on every claim
- Checks that the photos show the car from every side, and asks for a new photo when one is missing or too dark
- Finds the damaged parts and what is wrong with each: a dent, a scratch, a crack
- Proposes to replace, repair or paint each damaged part
- Reads the repair shop’s estimate when one is sent
- Chooses whether the photos are enough or an appraiser has to see the car
A person
Every approval and every inspection
- The adjuster approves every estimate
- The adjuster decides each line where a repair shop’s estimate differs
- An appraiser inspects cars with possible hidden damage or unreadable photos
- The head of claims sets which claims always get an inspection
- Only a person approves a payment
How a project starts
Four stages. After each one, you decide whether to go on
First on your archived claims, then on new ones
- Usually firstDiscovery and specification
- In
- How claims are assessed today, the photos and estimates you keep and the programs you use
- You get
- A written specification: what the system assesses first, what data it needs, what it will cost and in what order. The document is yours whether or not we build it
- ThenTest on archived claims
- In
- Settled auto claims with their photos and the final estimates
- You get
- Estimates from the photos next to what your appraisers wrote at the time
- ThenPilot on new claims
- In
- New claims from one region you choose
- You get
- An estimate and a route for each claim. An appraiser still checks each one while the rules are being set
- When you decideRollout
- In
- The regions you choose
- You get
- Every new auto claim there is assessed from its photos. Your team changes the rules
Six questions we ask first
- How many auto claims do you handle a month? We plan the system and the pilot around it
- How do customers send photos today? The app’s photo steps start from what customers already do
- Do you keep past estimates with their photos? The test on archived claims compares the new estimates with them
- Which parts catalog and repair times do your appraisers use? The system prices the repair from the same sources
- Where do your appraisers inspect cars? The pilot runs in one region first
- Which software do you manage claims in: a claims system, a CRM or an ERP? The pilot connects to it, and the estimate and the route are written back there
In our cases
The photo part of this we have built for clients
For a collision repair platform, not for an insurer
Tell us how auto damage is assessed today
A 30-minute call. We will say what your photos and past estimates allow and where a project would start