What we build
A claims stack engineered for STP — with auditability your regulator expects.
Each capability is a production component — not a proof-of-concept — wired into your claims core, documented for your risk committee, and monitored continuously.
Document OCR — police reports, medical records, invoices
Intelligent document processing reads FNOL forms, police reports, medical records, repair invoices, and handwritten notes — confidence-scored and flagged for review where needed.
Policy + coverage validation in real time
Coverage, exclusions, excess, waiting periods, endorsements — resolved against your policy master system in under a second. No cross-referencing PDFs by hand.
Damage-assessment computer vision
Photos classified into damage categories and costed against network rate-cards. Auto, property, and marine cargo models trained on actual loss-adjuster labelling.
Fraud pre-screen on every claim
EXIF anomaly, duplicate-imagery, prior-claim pattern, and provider-network graph checks run before payout. Flags the few, leaves the many untouched.
Reserve calculation + bordereau integration
Reserves set automatically with LAE uplift, posted to the ledger, and written back to your bordereau format — Guidewire ClaimCenter, Duck Creek, or custom.
Straight-through for the many, context for the rest
In-band claims settle automatically; out-of-band ones arrive at the adjuster already triaged — with coverage, damage, fraud, and recovery context packaged.
Claims paths we automate
Every line-of-business, one stack.
Same ingestion layer, same coverage matcher, same audit spine — tuned per line. Shared document pipeline, per-line damage and fraud models, portfolio-level analytics. Every path below runs on the same core; only the model weights, policy rules, and integrations change.
Motor — non-injury repair + total loss
Front-end damage, workshop routing, total-loss triggers, and network-workshop rate-card matching. Built for volume P&C motor books.
Health — outpatient + in-patient
Provider EDI intake, diagnosis-code coverage mapping, duplicate-submission checks, and provider-direct reimbursement for STP-eligible visits.
Property — homeowner + commercial
Peril validation (fire, flood, storm), photo-based damage classification, structural-severity triage, and senior-adjuster dispatch for high-score losses.
Marine + cargo
Bill-of-lading OCR, transit-risk verification, general-average apportionment, and port-specific claim routing across SEA and trans-Asia lanes.
Commercial lines — liability, BI
Loss-notice parsing, coverage-tower walk-up, reserve triangulation, and broker-facing status updates throughout the investigation cycle.
Fraud-flagged queue
Claims with medium- or high-score fraud pre-screen routed to SIU — with evidence pack, similar-case links, and SAR filing workflow.
Model families we deploy
No single model settles every claim. So we stack them.
Each model covers a distinct part of the claim — intake, coverage, damage, fraud — and the outputs combine into one auditable decision per claim.
Multi-layout CNN reads police reports, medical bills, repair estimates, and handwritten notes — returning structured fields with per-field confidence.
Vision transformer fine-tuned on loss-adjuster labels — classifies damage type and severity, and returns a rate-card-aligned repair estimate.
Coverage clauses, exclusions, and endorsements retrieved and applied against the loss facts — plain-English output for the adjuster.
Photo EXIF, prior-claim velocity, provider-network graph, and claimant behavioural signals blended into a low/medium/high score per claim.
Data sources wired into every claim
Every input that moves a claim — integrated.
Pulled in parallel, normalised into a single claim schema, versioned alongside the models that consume them.
Explainability, not just predictions
An outcome alone doesn't pass compliance. A trail does.
Every settle, refer, or investigate is accompanied by coverage-path, damage-score, fraud-score, top-feature reasons, and a customer-facing explanation — generated at decision time, indexed for audit, and available in the languages your policyholders speak.
- SHAP-style top-feature contributions per claim
- Full document + model-version provenance logged
- Customer-facing explanations (multi-language)
- Aligned to MAS Insurance Act, NAIC, IFRS 17 disclosures
Frameworks we align to
Why Axccelerate for claims
Not a chatbot bolted onto intake.
A claims stack.
A point-solution handles one narrow task. Our stack gives you end-to-end settlement — intake, coverage, damage, fraud, decision, bordereau — with the audit trail a real carrier needs.
Pricing
Priced to the line, not the volume of claims.
Claims deployments are custom — we scope against your lines, integrations, and jurisdictions before quoting.
Glossary
The vocabulary behind every claim.
A quick reference for the terms that show up in claims operations — the vocabulary your claims team, regulator, and audit documentation will all use.
- FNOL
- First Notice of Loss
The first communication from the insured about a loss. Traditionally a call, increasingly a mobile-app submission with structured fields and media.
- LAE
- Loss Adjustment Expense
The cost of investigating and settling a claim — adjuster time, legal, SIU, engineering. Typically expressed as a percentage uplift on the ultimate loss.
- Reserves
- Case + IBNR reserves
Case reserves are amounts set aside for known claims. IBNR (incurred but not reported) covers claims that have occurred but haven't yet been reported.
- Recovery
- Recovery / salvage
Value recovered after a settlement — sale of salvaged vehicle, recovery from a third-party insurer. Offsets the ultimate loss on the ledger.
- Subrogation
- Subrogation
The insurer's legal right to pursue a third party that caused a loss, after having paid the insured. A major recovery channel in motor and liability.
- Triage
- Claims triage
Routing a claim to the right path — straight-through pay, minor review, field inspection, or SIU — based on scored signals at intake.
- STP
- Straight-Through Processing
Claims approved and paid with no human touch after submission. The primary efficiency KPI in modern claims operations.
- Bordereau
- Bordereau
A schedule listing claims or premiums between parties — typically insurer to reinsurer. Our settlements write back in bordereau-ready format.
- Coverage
- Coverage
What the policy actually pays for. Resolved against loss facts per claim — perils, limits, endorsements, waiting periods all evaluated together.
- Exclusion
- Exclusion
Specific situations or causes of loss the policy doesn't cover. Acts of war, intentional damage, wear-and-tear are common exclusions.
- Total loss
- Total loss
A loss where repair cost plus expected recovery exceeds the sum insured or a declared threshold (often 70-80% of market value for motor).
- Proof of loss
- Proof of loss
The formal statement from the insured substantiating the loss — required for most claims above a de-minimis threshold before settlement can proceed.
- Settlement
- Settlement
The final agreed amount paid for a claim. Modern claims books aim to settle the majority of claims within SLA with minimal friction.
- SAR
- Suspicious Activity Report
A report filed by a regulated institution when it detects activity suspected of money laundering, fraud, or terrorism financing. Tracked end-to-end in our workflow.
Your claims operation, engineered.
30-minute scoping with a senior engineer and a claims-operations lead. You'll leave with a settlement plan, integration sketch, and realistic timeline — not a sales pitch.