AI in auto claims
For adjusters, brokers and lawyers: photo-based damage estimation, straight-through processing, fraud scoring and what regulators expect.
Photo-based estimation, straight-through processing and fraud scoring are no longer pilots. They decide reserves, triage and litigation exposure on real files every day, and they fail in specific, predictable ways.
These pieces are written for adjusters, brokers and lawyers who need to know how the models work, where they break, and what regulators are starting to require.
Guides
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What a photo estimate actually knows
Photo-based damage estimation reads a visible surface and prices it against a database. The gap between what the photographs contain and what the repair will cost is where an adjuster still earns the file.
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One claim that never reached a handler
A single first notice of loss walked through an automated path: intake, coverage check, triage, the adjudication threshold, the payment. Each gate is a policy decision the insurer made in advance, and the file records almost none of them.
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Fraud scoring, in the words the model uses
A fraud score is not an accusation and not evidence. Seven terms decide what it is, what it can support, and why the claimant it is wrong about pays a cost nobody in the insurer measures.
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The claim that was scored before anyone read it
Litigation propensity and severity models act on a file at the moments that decide its value: the reserve, the first offer, the authority the handler carries. Follow those moments in order, and the governance question answers itself.
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One automated path, two kinds of client
A personal client and a fleet client meet the same automated claims process and need different warnings about it. The same questions, answered twice, plus the questions to put to the insurer before either of them claims.
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Required, contested, and not asked of you
Most of what governs AI in motor claims is law that predates it. Sorting the settled obligations from the contested middle from the things nobody requires is more useful than waiting for an AI statute that may not arrive.
Tools
Free, no sign-up. Everything runs in your browser.
Crash simulator
Rebuild your accident in 3D, watch the replay, and get the numbers, diagram and narrative a claim needs — pedestrians and cyclists included.
Claim readiness checklist
A working checklist for a car insurance claim, for a driver or for a company running vehicles. Each item says why it matters. Your ticks stay in your browser and the list prints.
Claim deadline calculator
Pick where the accident happened and the date it happened, and read the deadlines to go to court and the insurer’s own response periods as dates, each cited to the instrument it comes from.
Total loss estimator
Test a repair estimate against a total-loss threshold you choose yourself, and see the payout arithmetic laid out, including the version where you keep the wreck. Every figure is an illustration of what you typed.
Do I need a lawyer?
Six questions about your claim, and a straight answer about whether legal advice is likely to change the outcome. No referrals, no panel of firms, nothing to sell.
Car insurance claim rules by state and country
Fault system, deadlines to claim and to sue, insurer response times, minimum liability coverage and the regulator to complain to — one page per jurisdiction, every rule cited.
AlaskaAlbertaArgentinaArizonaBritish ColumbiaCaliforniaChileColombiaColoradoConnecticutDelawareDominican Republic Rules by state & country →
This guide explains how car insurance claims generally work. It is not legal advice, does not create a lawyer–client relationship, and is not a statement of any insurer's or regulator's position. Rules change and differ by jurisdiction; check the cited instrument and, where money or injury is at stake, consult a licensed professional in your jurisdiction.