A motor claims team clears its backlog without adding adjusters
A mid-sized insurer receiving motor claims from policyholders, garages and experts, with volumes that spike after every storm.
The situation
A mid-sized motor insurer. Each claim is assembled by parties who never meet: the policyholder declares the loss, the garage invoices the repair, the expert writes the report. Volumes are flat most of the year and spike in the week after a storm.
Adjusters were opening every claim to confirm the same identities, dates and amounts before any judgment could begin. Storm weeks produced a backlog, and inconsistencies were often found after a first payment had been approved.
The rule Ceertia applies
The loss date must be earlier than the repair invoice date: flag any claim where the invoice predates the loss.
How it runs
The case arrives from whoever sends it, with the claim declaration, repair invoice, damage photos, expert report, policy schedule and police report. Anything missing is flagged on receipt.
Each rule returns a verdict with its evidence: what Ceertia saw, where, and why it concluded. Every verdict is stored with its rule version, source excerpt and timestamp. Standardized use cases cover the common loss types. Each declares what a complete claim needs and the questions to answer across it: identity, chronology, amounts. Adjusters open a claim already reconciled, with the disagreements listed and each one citing the two sources that contradict each other.
Your team keeps the decision, on sourced evidence, with a full audit log.
What changes in the work
- Adjusters opened every claim to confirm the same identities, dates and amounts.
- Storm weeks produced a backlog that was slow to clear.
- Inconsistencies were found late, after the first payment had been approved.
- Claims arrive pre-checked; adjusters see only what disagrees.
- Peak weeks are absorbed without temporary staff.
- Every flagged inconsistency cites the two sources that contradict each other.
Your team keeps the decision, on sourced evidence, with a full audit log.
A property insurer that suspected the same repair evidence was being presented on more than one claim, but had no way to see across its portfolio.
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