Modern technologies accelerate and facilitate the liquidation of damages, especially communication ones. In many cases, contact with the dam...
Modern technologies accelerate and facilitate the liquidation of damages, especially communication ones. In many cases, contact with the damage manager is limited only to using a smartphone with which we report the damage and send all the necessary materials needed to estimate the amount of compensation.
The application on the client's smartphone allows the adjuster to assess claims remotely
Instant repair cost estimation is possible thanks to programs that calculate the prices of parts and necessary services
Apart from people, applications using artificial intelligence take part in the valuation of damage
A lot of car damage that occurs in the current weather conditions is only superficial damage to vehicles, caused by snow and ice on the streets. Painting and sheet metal repair of such damage, although relatively simple, is often associated with very high bills. Anyway, the cost estimation of the repair itself is not complicated either - in many cases, it can be valued without the need to use specialized workshop tools. For example, to repair broken lamps, broken decorative overlays, abrasions to the paint or dents, as well as in the event of damage to external equipment such as parking sensors, a visual assessment of the defect is sufficient.
If so, the question arises: why send an expert to inspect the vehicle? Appointing an appraiser is a waste of time and trouble for the client and a relatively high cost for the insurance company. And yet today there are tools that allow you to carry out a survey at a distance. An example of this type of solution is Warta Mobile, in which the customer can check what is happening in his case, receive and send documents in the form of photos taken with a smartphone. Everything is convenient, simple and at any time of the day. How can you benefit from such a solution?
First, you report the damage
Let's assume that someone in the parking lot wiped the fender and damaged the lighting in our car, so we need to report the damage. Unfortunately, we do not know who was the culprit, so we decide to repair the damage using our own AC insurance. The mere reporting of a claim by phone is nothing extraordinary - the times when you had to go to the insurer's office in person are a thing of the past. Taking the example of Warta again, we can report the damage to this insurer, e.g. by phone. In this case, the basic data (including time, place of the incident, policy number, registration number) will be collected from us by the virtual voice bot voice assistant, based on artificial intelligence. Then, a further conversation will be conducted by a hotline employee who will arrange with us the method of claim adjustment.
There are also other methods - reporting the damage to Warta - on the website you can fill in a special form and describe all the circumstances of the event or contact the insurer via Messenger on the Warta Facebook page. This task is simple because the chatbot guides us step by step through the entire claim notification process. Thanks to bots, everything is done in an efficient, standardized and easy to "grasp" way for everyone. If the insured person uses Warta Mobile, he or she may use it to continue communication with the claim handler.
Report the damage and what then?
In simple cases with some insurers, it is enough to send photos of the damaged car to the claimant, either directly via the application, via the website or by e-mail. On their basis, an employee of an insurance company prepares a calculation of repair costs and in a short time is able to offer the client the amount of compensation. This has been the case so far in most cases, but for some time, and in this area, insurance companies have increasingly used artificial intelligence to quickly verify cost estimates for car repairs. This is possible thanks to the machine learning algorithm, which, based on millions of photos and human repair decisions from previous cases, "teaches" how to make optimal decisions. In this way, liquidators will save a lot of valuable time, which they now devoted to simple "standard" cases. Instead, they will be able to focus on more complicated cases that require more attention and organize help for the victim.
A telephone is enough for the quote
In order to provide the carer with the necessary materials, our mobile phone is enough to take photos and send one of the possible ways of contact, eg Warta Mobile. If an expert assessment is needed, we will also be able to use a smartphone for this purpose. During the video call, the expert will instruct us precisely on which parts of the car to point the camera lens and take photos. After taking a series of photos, they will be sent to the insurer's IT system, where the materials will be verified by specialists. In this way, you do not have to wait long for the quote - in many cases, the compensation in the amount accepted by the injured person is sent to his account overnight or to the account of the workshop, where he plans to repair.