Claims Agent

How an insurer used AI to streamline low-complexity claims—and freed up adjusters to focus on what matters

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Too Many Claims, Too Little Time

Adjusters were overwhelmed. 70% of claims were simple—lost luggage, cracked windshields, minor water damage—but still required manual intake, routing, and approval. Resolution times were climbing. Customers were frustrated. So were employees.

Human Bottlenecks

Every claim started the same way—submitted online, emailed, or called in. A human had to triage, verify details, request documents, and push it through. Simple claims sat in the same queue as complex ones. The result: inefficiency everywhere.

What If a Bot Could Handle It?

The idea: create a digital claims agent—one that could instantly process low-risk, rule-based claims without human delay, and escalate only the ones that needed review.

So We Built an AI Adjuster

We partnered with Claims Ops, IT, and Legal to design a claims automation model. It reviewed claim type, amount, customer history, and attached documentation—then made an instant decision, with auditability built in.

We Trained It on 3 Years of History

The model was trained on 2.1 million historical claims. It learned which cases were safe to auto-approve, which required validation, and which should always go to a human. Document scans, metadata, policy flags—all were part of the decision tree.

We Deployed It Into Production

The AI adjuster now runs in the background—screening and approving over 38,000 claims per month. It flags anomalies, checks for fraud risk, and integrates seamlessly into the existing claims platform. Adjusters still own complex cases—but now, they’re not buried in routine ones.

“We didn’t replace humans. We removed the waste—so people could focus on judgment, not busywork.”

— Director of Claims Automation

We Measured the Impact

Resolution time dropped from 5.4 days to 1.2 days for eligible claims. NPS for the auto-resolved group rose by 18 points. And adjusters gained back over 7,000 hours annually to spend on complex, high-touch cases that actually need them.

Take the next step

See how Intellimark can help you build a claims agent that scales—without losing the human touch.

Contact US

The Outcome

The insurer automated the routine and refocused human effort on value-added claims:

    38,000+ claims auto-processed per month

    1.2 day average resolution time (vs. 5.4 days)

    +18 NPS points for automated group

    7,000+ hours returned to adjusters annually

Fin.

Some claims need empathy. Some just need efficiency. Now they could deliver both.