Solution · Insurance AI

A motor claim used to take five days. We brought it down to fifty seconds.

An Indian insurer was triaging motor claims by hand over five days. We put eight specialist AI agents on every claim — they read the photos in parallel, settle the obvious cases, and route only the hard ones to a human, each decision carrying a confidence score.

52s
from photos to a triage decision
8 specialist agents run in parallel
AI decides the obvious cases, humans decide the rest
Every decision carries a confidence score a human can verify
The same architecture extends to KYC, health, and FMCG
The Outcome

What changes when agents triage the claim.

Claims run on speed and trust. A five-day wait costs goodwill; an opaque decision costs an audit.

Before → After
Five-day waits → sub-minute triage.

Photos in, a triage decision out in about fifty seconds — the claim moves the moment it lands instead of sitting in a queue.

Before → After
Every claim reviewed by hand → AI settles the obvious, humans take the hard ones.

Assessors stop grinding through routine claims and spend their day on the genuinely ambiguous cases that need judgement.

Before → After
Opaque decisions → a confidence score you can audit.

Every recommendation comes with a confidence score, so a human can see exactly how sure the system is and why.

What It Does

Eight specialist agents assess a motor claim at once.

One agent reads damage from the photos, one prices parts, one estimates labour, one reads the policy, one checks for fraud — plus a reasoner and a reply agent, and an orchestrator that fuses them into a single recommendation with a confidence score. Below a confidence threshold it routes to a human, transparently.

8 agents in parallel Photo damage assessment Fraud check Confidence gate Human-in-the-loop
Eight agents, one claimDamage reader, parts pricer, labour estimator, policy reader and fraud checker — plus a reasoner and a reply agent — all run at once.
Reads damage from the photosOne agent assesses the damage straight from the claim images — no manual eyeballing of every dent.
Fuses into one recommendationThe orchestrator combines every agent's signal into a single call, attaching a confidence score.
Gates low confidence to a humanBelow the threshold, the claim routes to a person — clearly flagged, with the full reasoning attached.
How It Works

Four steps, from photos to a decision.

The agents do the whole assessment, then route only what a human should touch.

STEP 01

The claim comes in

The customer submits the claim with photos of the damage.

STEP 02

Eight agents assess

Specialist agents work in parallel — damage, parts, labour, policy and fraud, all at once.

STEP 03

The orchestrator fuses

It merges every signal into one recommendation plus a confidence score.

STEP 04

It decides or escalates

High confidence auto-decides; low confidence routes to a human, clearly flagged.

Leverage

How an insurer puts it to work.

This isn't a black box replacing your assessors — it's how triage scales while people stay in control.

Settle the obvious claims in seconds

Routine, clear-cut claims clear automatically — the backlog stops building while intent and evidence are still fresh.

Keep humans on the genuinely hard cases

Assessor time goes where judgement matters — the ambiguous, disputed and high-value claims a machine shouldn't call alone.

Audit every AI decision through its score

Each call is traceable by its confidence score — and the same pattern reruns for KYC, health and FMCG.

Built by AppD

Claims, KYC, onboarding — anywhere a decision waits on a human.

That's where this triage architecture pays off. Let's talk about the outcome you need.

Questions

Common questions

What is Insurance Vision?
An Indian insurer was triaging motor claims by hand over five days. We put eight specialist AI agents on every claim — they read the photos in parallel and settle the obvious cases in seconds.
How did claims go from five days to fifty seconds?
The claim comes in, eight agents assess it in parallel, an orchestrator fuses their findings, and the system either decides or escalates — so the obvious claims never wait in a queue.
Does AI decide every claim?
No. It settles the obvious ones and escalates the rest, which keeps human assessors on the genuinely hard cases instead of on routine triage.
Why eight agents instead of one model?
Each one is a specialist looking at a different aspect of the claim, and the orchestrator fuses their assessments into a single decision.
Can this work for our claims process?
If your assessors are spending their day on routine triage, the pattern applies. Talk to the team on WhatsApp at +91 78277 85015 or email next@appd.ai.