End-to-end motor claim: from notice to payment
Voice notice, photo assessment, repair-shop assignment and payment order in one flow; the adjuster steps in only above the threshold.
End-to-end motor claim: from notice to payment is an agent scenario in the Insurance sector running on the voice, app channels. Trigger: Claim notice to the call centre or a photo report from the app. The Claims Supervisor coordinates 4 specialist agents (Intake Agent, Photo Assessment Agent, Adjuster Agent, Communication Agent) across 5 systems (Call Centre SIP, Policy Admin, Claims System, Repair Network, Payment Hub); of 10 steps, 2 write to systems and 2 are checks or approvals. Outcome: File opened, damage amount set, repair shop assigned, payment order issued. Approval rule: Estimate > 150,000, unclear fault share or overlap with prior damage → adjuster approval.
End-to-end motor claim: from notice to payment
- Call: "rear-ended in a car park, the other driver admitted it, photos uploaded to the app"
- Transcript and incident form: date, place, other plate, no injuries; policy 34 ABC 123 active
- Plan: photo assessment → cover and deductible → fault → shop → payment → subrogation
- 6 photos: rear bumper replace, boot lid repair, 2 parking sensors; estimate 38,400
- Compared with prior damage history: no overlapping area, photo metadata consistent
- Full comprehensive cover, zero deductible, other party 100% at fault (report) → no missing document
- Network shop: 4 km away, capacity in 2 days, parts in stock; appointment proposed
- File #CL-230517: 38,400 approved, shop assigned, subrogation file opened
- Payment order to the shop on completion; parts advance 14,200 today
- Spoken summary and WhatsApp to the customer: appointment, courtesy car, file tracking link
- ■completed
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
Claim notice to the call centre or a photo report from the app
File opened, damage amount set, repair shop assigned, payment order issued
Agents
Claims Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Intake Agent
Transcribes the voice notice, collects incident facts, matches the policy
transcribe_streamcollect_fnolmatch_policyPhoto Assessment Agent
Estimates parts and labour from damage photos
detect_damageestimate_repaircheck_prior_damageAdjuster Agent
Evaluates cover, deductible and fault share, assigns the shop, prepares payment
check_coverageassign_repair_shopprepare_paymentopen_subrogationCommunication Agent
Keeps the customer and the shop informed at every step
send_smssend_whatsappnotify_shopSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Claims Supervisor | Call: "rear-ended in a car park, the other driver admitted it, photos uploaded to the app" | Call Centre SIP | 220 | — |
| 02 | reason | Intake Agent | Transcript and incident form: date, place, other plate, no injuries; policy 34 ABC 123 active | Policy Admin | 1,400 | 520 |
| 03 | plan | Claims Supervisor | Plan: photo assessment → cover and deductible → fault → shop → payment → subrogation | — | 260 | 240 |
| 04 | reason | Photo Assessment Agent | 6 photos: rear bumper replace, boot lid repair, 2 parking sensors; estimate 38,400 | — | 2,600 | 1,900 |
| 05 | verify | Photo Assessment Agent | Compared with prior damage history: no overlapping area, photo metadata consistent | Claims System | 700 | 380 |
| 06 | verify | Adjuster Agent | Full comprehensive cover, zero deductible, other party 100% at fault (report) → no missing document | Policy Admin | 820 | 460 |
| 07 | tool | Adjuster Agent | Network shop: 4 km away, capacity in 2 days, parts in stock; appointment proposed | Repair Network | 540 | — |
| 08 | write | Adjuster Agent | File #CL-230517: 38,400 approved, shop assigned, subrogation file opened | Claims System | 620 | — |
| 09 | write | Adjuster Agent | Payment order to the shop on completion; parts advance 14,200 today | Payment Hub | 480 | — |
| 10 | notify | Communication Agent | Spoken summary and WhatsApp to the customer: appointment, courtesy car, file tracking link | Call Centre SIP | 440 | 200 |
Voice claims intake (FNOL)
The customer calls and describes it; policy found by plate, cover checked, claim opened and adjuster assigned.
Policy renewal offer
Policies re-priced, sharp increases go to approval; customer accepts with one tap and the policy is issued.
Underwriting document extraction
Medical reports and labs read and assessed against the manual; underwriters only see files above threshold.
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