Document intake & extraction
Policy, RC, licence, estimate and invoice read into structured fields.
AI Claims Processing
Move claims forward with AI-assisted decisions.
ClaimHorizon connects intake, evidence, document review, damage assessment, red flags, estimation support, human approval and insurer-ready reporting in one controlled workflow.
- FNOL to final assessment
- Line-by-line estimate checks
- People approve every claim
Claim in progressCL-24-30417
Private car · Own damage
- AIFNOL received & case createdDone
- AIRC, licence & policy extractedDone
- AICoverage & date checksPassed
- AIEstimate vs. photos2 queries
- AIRed-flag monitoring1 signal
- HumanSurveyor review & approvalIn review
- HumanFinal assessment & exportPending
6 documents read
Surveyor A. assigned
FNOL IntakeInsured CommunicationDocument IntelligenceCoverage & Date ChecksDamage ValidationEstimate-to-ImagePart & Labour ValidationPrice AssistanceRed-Flag MonitoringEscalation RoutingHuman ApprovalSalvage ValidationFinal Assessment ExportFNOL IntakeInsured CommunicationDocument IntelligenceCoverage & Date ChecksDamage ValidationEstimate-to-ImagePart & Labour ValidationPrice AssistanceRed-Flag MonitoringEscalation RoutingHuman ApprovalSalvage ValidationFinal Assessment Export
What is AI claims processing?
AI claims processing automates the repetitive work in a motor claim: reading documents, checking coverage and dates, matching the repair estimate to damage photos, validating parts, labour and price, and flagging inconsistencies. In ClaimHorizon, surveyors and authorised claim professionals review every result and make every decision.
The claim journey
Twelve stages. Clear ownership at each one.
Gold marks where a person decides. Blue marks where AI does the groundwork. Many stages have both.
- 01 Assignment & FNOL
- 02 Insured communication
- 03 Document intake
- 04 Coverage & date checks
- 05 Accident & damage validation
- 06 Estimate-to-image, part & labour
- 07 Price assistance
- 08 Red-flag monitoring
- 09 Investigation or escalation
- 10 Surveyor & human approval
- 11 Repair, invoice & salvage
- 12 Final assessment & export
Capabilities
The groundwork, done before a handler opens the file.
Coverage & date checks
Policy period, loss date and intimation timing checked on intake.
Accident & damage validation
Reported cause compared with damage seen in photos and video.
Estimate-to-image validation
Each estimate line matched to visible damage, line by line.
Part, labour & price assistance
Repair-or-replace and labour hours checked, with reference pricing support.
Red-flag monitoring
Inconsistencies across evidence, metadata and narrative queued for review.
Investigation & escalation
Flagged claims routed to the right reviewer with the evidence attached.
Repair, invoice & salvage
Final invoice compared with the approved estimate; salvage recorded.
Final assessment & export
Approved assessment exported for the insurer’s system and records.
Estimate-to-image check
Every estimate line, checked against the photos.
Select a line from the garage estimate. ClaimHorizon shows what the photos support, and why a line was queried, so the surveyor can decide quickly.
Illustrative sample estimate. Amounts are examples, not reference prices.
LineRight fender · Replace
ResultQuery: repair possible
Dent visible in photo 4 but no tear or crease. Repair may be sufficient; surveyor to confirm.
Supported 2Queried 2Review 1
Shared control
AI assists. Human authorities decide.
ClaimHorizon is built so the right person always owns the outcome.
AI assists with
- Extraction
- Matching
- Classification
- Reasoning
- Summaries
People control
- QC
- Admissibility
- Negotiation
- Escalation
- Approval
What changes
Less handling. Better-supported decisions.
Less manual handling
Extraction, checks and summaries are done before a handler opens the file.
Decisions tied to evidence
Every approval links back to the documents, photos and checks behind it.
Leakage surfaced early
Estimate, price and red-flag queries appear before money is committed.
Consistent across teams
The same checks and approval gates for every claim, branch and region.
Visibility for managers
See where each claim sits, who owns it and what is blocking it.
One evidence trail
Pre-inspection and Spot Setu evidence carried into the claim file.
FAQs
AI claims processing, answered.
The motor claim process in IndiaWhat is AI claims processing in motor insurance?
AI claims processing uses document AI, computer vision and rules to handle the repetitive parts of a motor claim: reading documents, checking coverage and dates, matching the repair estimate to damage photos, validating parts and labour, and flagging inconsistencies. Licensed surveyors and claim handlers review the results and make every decision.
How does AI speed up motor claim processing?
It removes manual work between steps. Documents are extracted automatically, coverage and date checks run on intake, estimates are compared with photos line by line, and a case summary is drafted, so handlers spend their time on judgement instead of data entry and follow-ups.
What is estimate-to-image validation?
Each line in the garage estimate, such as replacing a bumper or repairing a door, is checked against the damage visible in the claim photos and video. Lines without matching visible damage, or where repair could replace replacement, are queried for the surveyor to review.
Who approves the claim: AI or a person?
A person. AI assists with extraction, matching, classification, reasoning and summaries. QC, admissibility, negotiation, escalation and final approval stay with the surveyor and authorised claim professionals.
Can it validate repair invoices and salvage?
Yes. After repair, the final invoice can be compared with the approved estimate, and salvage details can be recorded and checked before the final assessment is exported.
Can ClaimHorizon integrate with our claims system?
Yes. The workflow is API-ready, and the final assessment can be exported in formats agreed with the insurer. Integration scope is set during solution design.