Zero-touch AI Agents
for Modern Insurers .
The ultimate car inspeciton tool.
Problem
Why motor claims still eat 30 % of every premium
Legacy Pain-Point
Manual FNOL & duplicate entry
Blind-spot fraud & leakage
Fragmented triage
Slow, subjective appraisals
Cost Driver
Delays + call-centre overhead
10–15 % payout waste
Wrong shop, rising rental days
Inconsistent indemnity spend
Product Snapshot – K-MotorClaim
End-to-End Automation, Plug-and-Play AI Agent that integrates to your existing core systems
FNOL Capture (1)
Self-serve photo & voice FNOL via SMS link—no app needed
Coverage Check (2)
Real-time policy lookup & liability confirmation
Fraud Heat-Map (3)
AI flags suspicious patterns before payout
Triage & Assignment (4)
Routes claim to optimal path (self-service, express, repair-shop)
Damage Appraisal (5)
Computer vision prices parts & labour to OEM standards
How It Works
1. Snap
Driver taps a secure SMS link and submits guided FNOL photos—no app needed.
2. Verify
Real-time policy lookup, visual-AI damage read, and fraud risk analysis run in the cloud.
3. Appraise & Route
AI produces a structured damage appraisal and routes the claim to the next step (repair shop/etc)
Outcomes for Carriers
Metric
Cycle-time
LAE / claim
Fraud leakage
Customer NPS
>
>
>
>
Typical Lift
-90 % (days → minutes)
-20 % adjuster hours
-3 pts loss ratio
+40 points (digital self-service)
Endless possibilities
More AI agents, more verticals
K-MotorClaim is just the beginning.
