Insurance Claims Handling

Triage severity at intake, complete the mechanical lifecycle work, and settle simple claims the day they arrive.

What It Does

The agent triages severity at first notice of loss, validates the estimate against coverage limits, completes the mechanical lifecycle work, and settles the simplest claims straight through. An adjuster decides everything else.Without it: Simple claims wait behind complex ones, and the overpayments nobody had capacity to review are reviewed by nobody at all.

  • Fraud indicators at first notice route the file to special investigations, never to settlement.
  • Chases the missing police report or repair invoice instead of parking the file
  • Photos and third-party attachments are opened in a disposable environment per claim
  • The reserve and the coverage check are posted before an adjuster opens it

Illustrative example

FNOL-88231 comes in through the broker portal: a windscreen replacement on policy MTR-4419-06, estimate $610, comprehensive cover with a $250 excess. The agent triages it as simple, checks the estimate against the limit, requests the one missing repair invoice from the shop, and settles the $360 net on a sanctioned payment path. No adjuster opens the file, and the triage path, the coverage check, and the payment sit on the claim record.

Reads

Claims platform

Open claims, reserves

Policy admin

Cover, limits, excess

Payment rails

Sanctioned payment paths

Document intake

Photos, repair invoices

Runs

Insurance claims handling

Execute

Starts when

A first notice of loss arrives by phone, portal, or broker

How far it goes

it acts inside set limits, and every call is logged

Never

DENIAL: enforced below the model, not asked of it

Produces

FNOL

Triaged by severity

Estimate

Checked against limits

Simple claims

Settled same day

Insurance claims handling. Reads Claims platform, Open claims, reserves; Policy admin, Cover, limits, excess; Payment rails, Sanctioned payment paths; Document intake, Photos, repair invoices. Execute autonomy: it acts inside set limits, and every call is logged. It never denial. Produces FNOL Triaged by severity; Estimate Checked against limits; Simple claims Settled same day.

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