For carriers, brokers, and InsurTechs, we build custom AI claims agents that automate the First Notice of Loss (FNOL), verify policy coverage instantly, and guide customers through the claims process 24/7.
The moment of truth for insurance is the claim. Yet, customers are forced to wait on hold or fill out 10-page PDFs during their most stressful moments. Relying on manual intake creates three critical blockers:
Human agents spend hours collecting basic data (Name, Policy #, Date of Loss). Our AI Agent handles the entire intake autonomously, reducing LAE by 30%.
Waiting 5 days just to confirm coverage drives customers away. Our AI checks the Policy Administration System instantly to confirm deductibles and limits in real-time.
Handwritten forms lead to errors. Our AI ensures every required field (photos, police report, time of loss) is collected the first time correctly, preventing "back-and-forth" delays.
Long forms and repeated questions frustrate customers at their most critical moment. We turn FNOL into a seamless, guided experience that captures complete data without friction.
No more call centers. The bot interviews the claimant: "Are you safe? Upload a photo of the damage." It extracts metadata (GPS location, Time) from the image to validate the event instantly.
Reduce support calls. Instead of reading a 50-page PDF, customers ask: "Does my policy cover hail damage?" The AI retrieves the specific clause and explains it in simple terms.
Faster quotes. The AI interviews applicants ("Do you smoke? Do you sky dive?") and cross-references external data sources to assess risk profiles and generate quotes in seconds.
Claims aren't just text. Our agents process Images (Car Damage), Voice Notes (Witness Statements), and PDFs (Police Reports) simultaneously.
We integrate with Guidewire, Duck Creek, or Majesco. The AI doesn't just "chat"; it creates the actual Claim File inside your system of record via API.
While chatting, the AI runs background checks. Is the metadata of the photo older than the policy? Does the description match the visual damage? High-risk claims are flagged for SIU (Special Investigation Unit).
If a customer is distressed or angry about a denied claim, the AI detects the negative sentiment and seamlessly routes the call to a senior human adjuster with a full transcript.
Turn a moment of crisis into a moment of loyalty.
Talk to a AI Insurance Specialist
Fill the form below or Contact us at +1 408 365-4638 / email us via contact@folio3.ai
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+1 408 365-4638
contact@folio3.ai
6701 Koll Center Parkway, #250 Pleasanton, CA 94566
