The Processing Cost Problem
An average insurer spends EUR30-60 to process a single simple claim before the cost of settlement itself. That figure rises to EUR300+ for complex cases involving expert assessment and litigation.
The factor most correlated with cost? Time spent. The longer a file sits, the more it costs.
How AI Helps Cut These Costs
1. Real-Time Scoring
From the moment of filing, each claim receives a complexity score (0-100). Low-scoring files (score < 20) are automatically processed: standard validation, payment within 48 hours. Complex files (score > 60) are directed to the appropriate expert with a complete briefing.
2. Weak Signal Detection
AI analyzes hundreds of variables to identify risky behaviors: unusual combination of circumstances, client history, filing timing. This is not magic -- it's statistics.
3. Routing Optimization
Each claim is automatically routed to the right stakeholder: internal expert, partner garage, legal. No more queuing interference or manual escalation.
Real Results Observed
Insurers using an AI scoring system report: -35% on average processing cost, -50% on simple file processing time, and +20% on fraud detection rate.
What to Know Before Investing
AI is not a replacement for the expert -- it's an amplifier. An expert who spends less time on legitimate files can spend more time on cases that truly deserve their attention. The ROI comes from this reallocation, not replacement.