Auto loss
Capture date, location, vehicles, parties, injuries and safe contact details without assigning fault.
Insurance · High-intent workflow
Structure first notice of loss without automating judgment.
Claire can gather policyholder and incident context, retrieve permitted policy information, collect required documents, prepare the notice, confirm next steps and route coverage or urgency decisions to authorized staff.
Request to resolution● Governed workflow
Incoming request“I was rear-ended this morning and need to report a claim.”
- 1Verify policyholder using approved processConfigured next actionClaire
- 2Capture incident, parties and safety statusConfigured next actionClaire
- 3Retrieve permitted policy contextConfigured next actionClaire
- 4Structure FNOL and document requestConfigured next actionSystem
- 5Send reference and approved next stepsConfigured next actionClaire
- 6Escalate coverage or urgency questionHuman decision or exceptionHuman
FNOL automation
Start the claim with a complete first notice—not an automated decision.
FNOL automation identifies the caller, retrieves permitted policy context, collects the loss facts and parties, requests documents, creates or prepares the first-notice record and tells the policyholder what happens next.
First notice of loss starts a claims process; it does not decide coverage, fault, reserve or settlement. Agents, licensed staff, adjusters and claims leaders retain those decisions.
Common loss scenarios
Collect what the claims team needs without crossing the line.
Property loss after hours
Record the immediate situation, emergency-service involvement and policy reference, then alert the configured claims owner.
Identity cannot be confirmed
Limit disclosure and state-changing actions while preserving non-sensitive intake for a human to resolve.
Claims systems and human control
Administrative intake can move. Claims judgement remains human.
Applied Epic, AMS360, EZLynx, HawkSoft and Guidewire are systems buyers may use. No native integration is implied. Policy lookup, FNOL creation, document handling and audit requirements must be confirmed for the customer environment.
Start with one line of business and a defined intake path. That makes it possible to improve completeness and response without pretending every claim follows the same process.
Buyer questions
What insurance teams should ask.
Can Claire decide whether a loss is covered?
No. Coverage and liability remain with authorised insurance professionals.
What if information is missing?
The first notice can preserve known facts, request approved follow-up and route urgent or incomplete cases to the right person.
Can Claire create the FNOL record?
Where customer permissions and system access support it, Claire can create or prepare the record. Otherwise it can deliver a structured intake for human completion.
Operational detail
Different lines of business need different first notices.
An auto loss may require vehicles, drivers, parties, injuries and police involvement. A property loss may need the location, cause as reported, affected areas and emergency mitigation. Claire can use separate intake paths while preserving a common policyholder experience.
Severity and sensitivity affect the handoff. Injury, uncertain identity, legal representation, vulnerable customers and complex commercial losses should reach appropriately authorised staff. Claire can carry the known facts without making claims decisions.
Documents and follow-up
The workflow can request approved photographs, reports or forms through available channels and keep missing items visible. Document collection capability depends on the configured systems and process.
Implementation in plain English
Start with one line of business, the minimum facts required for first notice and a clear claims owner. Confirm the available policy lookup and FNOL action, then review completeness, response time and human rework against the existing intake.
FNOL automation versus a claims call centre
A call centre brings licensed or experienced people to nuanced situations. Claire is strongest for structured administrative intake and follow-up. A hybrid model can move routine notices quickly while routing complex or sensitive losses to people.
Policyholder experience
Make the first notice clear without turning intake into adjudication.
People reporting a loss may be stressed, uncertain about terminology or unable to provide every detail in one conversation. Claire can explain what information is being requested, record facts in the caller’s own words and tell the policyholder which next step has actually been created. Missing non-critical information can remain visible for follow-up instead of blocking the entire notice.
Identity and disclosure rules matter throughout the interaction. If Claire cannot confirm the caller or policy context, it can limit what it reveals, continue with an approved non-sensitive intake path and route the unresolved match to authorised staff. It should not expose policy details merely because a caller knows a name or address.
Agency, MGA and carrier workflows differ
An agency may need to capture the loss and notify a carrier; an MGA or carrier may create the first-notice record directly. Commercial policies may involve multiple locations, contacts and reporting requirements. Claire’s workflow must reflect the organisation’s role, line of business and available system actions rather than assuming one universal claims process.
What changes for claims staff?
Claims professionals receive a more complete first notice with the caller’s account, known parties, incident details and outstanding documents kept together. They still assess coverage, liability, severity and the appropriate claim response. Claire reduces repetitive intake and follow-up while making the point of human ownership explicit, especially when identity, injury or policy context is uncertain.
Questions for an FNOL demo
Ask the vendor to show an incomplete policy match, a report involving injury and a document that arrives after the call. The demonstration should make clear how the notice remains connected, when a claims professional takes ownership and what the policyholder is told at each stage.