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Insurance Claims Agent
in action.

See how the agent handles a car claim, a water damage case or detects potential fraud — multimodal photo + document analysis, LOOP™ decision.

Agent active · Production📷 Multimodal analysis⚡ Real-time processing🔒 LOOP™ Governance
Definition

The Insurance Claims Agent is a Claude agent that processes claim declarations: it analyses photos and supporting documents, checks the file for consistency, flags suspicious cases and prepares a proposed decision. Settlement is approved by a claims handler or adjuster, and every step of the process is logged under LOOP™ governance.

Under the hood

How the agent works

The agent works with claims handlers, adjusters and the fraud team. It takes on opening and processing files, which absorbs a lot of time on simple cases, and leaves the settlement decision to your teams. It connects to your policy and claims management system through the MCP protocol.

01

What it takes in

The claim and its supporting documents: photos, accident report, police report, quotes, invoices and correspondence with the policyholder. It also looks up the policy to check the cover, the claims history, and your settlement scales and rules. It works inside your claims system, under your permissions.

02

What it does

It analyses photos and documents together to assess the damage, checks that the claim is covered by the policy and that the documents are consistent with each other. It flags signals that deserve a closer look, such as dates that do not add up, a reused photo or an unusual amount, then prepares a reasoned settlement proposal.

03

What it hands back

A complete claim file: summary of the event, applicable cover, damage assessment, missing documents, points of attention and a proposed decision. The policyholder knows the claim is open and what is still needed, while the handler receives a file ready for a decision.

Who decides what

Green zone · the agent acts alone

Opening the file, acknowledging receipt to the policyholder, checking cover, analysing documents and requesting missing items.

Orange zone · a human approves first

The settlement proposal and any refusal of cover. The agent sets out its reasoning, and the handler or adjuster approves before the decision is shared with the policyholder.

Red zone · the agent stops and escalates

A serious fraud suspicion, a bodily injury claim or a file outside your usual rules. The agent passes it to the adjuster or the specialist team without drawing any conclusion.

Three typical situations

01

A road accident

Several vehicles are involved. The agent gathers the reports and photos, checks the cover under each policy and prepares the assessment the handler will approve.

02

Water damage

A policyholder reports a leak in their flat. The agent analyses the photos and quotes, checks the cover and tells the policyholder which documents are still needed.

03

An inconsistent claim

The elements of a file do not add up. The agent lists the inconsistencies precisely and passes the file to the adjuster, who decides whether to investigate.

01What it takes in

The claim and its supporting documents: photos, accident report, police report, quotes, invoices and correspondence with the policyholder. It also looks up the policy to check the cover, the claims history, and your settlement scales and rules. It works inside your claims system, under your permissions.

02What it does

It analyses photos and documents together to assess the damage, checks that the claim is covered by the policy and that the documents are consistent with each other. It flags signals that deserve a closer look, such as dates that do not add up, a reused photo or an unusual amount, then prepares a reasoned settlement proposal.

03What it hands back

A complete claim file: summary of the event, applicable cover, damage assessment, missing documents, points of attention and a proposed decision. The policyholder knows the claim is open and what is still needed, while the handler receives a file ready for a decision.

Who decides what
Green zone · the agent acts alone

Opening the file, acknowledging receipt to the policyholder, checking cover, analysing documents and requesting missing items.

Orange zone · a human approves first

The settlement proposal and any refusal of cover. The agent sets out its reasoning, and the handler or adjuster approves before the decision is shared with the policyholder.

Red zone · the agent stops and escalates

A serious fraud suspicion, a bodily injury claim or a file outside your usual rules. The agent passes it to the adjuster or the specialist team without drawing any conclusion.

Three typical situations
01
A road accident

Several vehicles are involved. The agent gathers the reports and photos, checks the cover under each policy and prepares the assessment the handler will approve.

02
Water damage

A policyholder reports a leak in their flat. The agent analyses the photos and quotes, checks the cover and tells the policyholder which documents are still needed.

03
An inconsistent claim

The elements of a file do not add up. The agent lists the inconsistencies precisely and passes the file to the adjuster, who decides whether to investigate.

Documented ROI · Sourced figures

Results in production.

Deployed in production, the Insurance Claims Agent processes claims autonomously — photos, documents, fraud detection — with expert validation on complex cases.

−65%average claim processing time vs. manual process
Claims departments · Koneetiv 2025
87%fraud detection accuracy (anomaly score > threshold 70)
LOOP™ behavioral model
24/7availability for policyholders — instant case opening
Real-time multimodal analysis
On requestdeployment time to production
Claude Ops Methodology
−65%
average claim processing time vs. manual process
Claims departments · Koneetiv 2025
87%
fraud detection accuracy (anomaly score > threshold 70)
LOOP™ behavioral model
24/7
availability for policyholders — instant case opening
Real-time multimodal analysis
On request
deployment time to production
Claude Ops Methodology
Frequently asked questions

Insurance claims agent: your questions.

What does the insurance claims agent do?
It triages and processes claims, checks documents, flags suspicious cases and prepares the decision — humans approve the payout.
Does it decide payouts on its own?
No: the agent prepares the file, the payout decision stays human via LOOP™ trust zones. Full traceability, AI Act aligned.
How does it integrate with our tools?
Through MCP it connects to your policy and claims management system, under your permissions.
What gains can we expect?
Faster triage, better fraud detection, reduced processing times. Deployed via Claude Ignite, shadow then canary.
How does the agent spot a suspicious claim?
It cross-checks the documents in the file against each other and against history: inconsistent dates, amounts or places, reused photos, unusual declarations. It does not conclude that fraud occurred: it flags the elements that warrant a closer look, and the adjuster decides what happens next.
By function

Functions that use this agent

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