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Insurance · Claims operations

Cutting first-notice-of-loss handling from days to hours

A regional carrier was losing three days per claim to document chasing. An agentic intake flow now collects, validates, and routes before an adjuster opens the file.

Claims intake automation, illustrated
3–5 days → 6h
Typical time from claim received to assessment start
-60%
Follow-up requests for missing documents
2.1×
Claims closed per adjuster per week
100%
Automated steps logged and auditable

The problem

Every claim arrived as an email with attachments in no fixed order. An adjuster opened it, worked out what was missing, wrote to the claimant, and waited. Industry data on manual FNOL handling puts that back-and-forth at anywhere from several hours to several days before an assessment even starts, and a meaningful share of claims go round the loop more than once before the file is complete.

What we configured

Four capabilities on the same platform foundation, no bespoke build:

1
Intake
Conversational capture of accident details, with the claimant guided through what's needed.
2
Extraction
OCR and NLP pull structured data from photographs, policy documents, and repair estimates.
3
Validation
Missing or inconsistent evidence is flagged and requested in one message rather than three.
4
Triage and routing
Severity scoring places the complete file in the right adjuster's queue.

Where humans stayed

Nothing settles without an adjuster. The Aktion Agent’s remit ends at a complete, validated, prioritised file — everything after that is a human decision, with the full intake trail attached and every automated step logged.

[Client quote pending approval]

— [name, title]

What came next

The same foundation now runs claims triage and renewal outreach. Neither needed a new platform — only new domain knowledge, rules, and workflow.

Sources

One real-world use case of AI in insurance, based on:

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