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AI Claim Estimator for P&C Insurance

Practo Insura uses AI to analyze damage images and claim data, generate an estimated claim amount, and give adjusters earlier visibility into loss severity helping reduce manual assessment time, prioritize claims, and control claim costs.

20–30%

Lower claims-adjustment expenses

18%

Improvement in claim estimation accuracy

Up to 90%

Straight-through processing for suitable claims

Why P&C Insurers Need AI Claim Estimation

Manual damage assessment slows claims, increases adjuster workload, and delays visibility into claim severity.

Manual damage review slows claim assessment
Delayed estimates increase claim handling costs
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Inconsistent estimates create claim leakage risk
High claim volumes overload adjuster teams

Key Use Cases for AI Claim Estimation

New Claim Assessment

Give adjusters an early view of potential loss value when a new damage claim enters their queue for assessment.

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Claim Severity Prioritization

Help adjusters identify lower- and higher-severity claims earlier and prioritize cases that may require closer or faster attention.

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High-Volume Claim Queues

Support adjusters managing large caseloads where manually assessing every incoming damage claim can create delays and increase workload.

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Estimate Cross-Checking

Provide an additional estimation reference when adjusters need to compare or validate an existing damage assessment before making a claim decision.

Supplement Review

Support adjusters when additional damage is reported or identified and the potential change in claim value needs to be assessed.

CAT & Claim Surge Events

Support adjusters during catastrophes or sudden claim-volume spikes when large numbers of damage claims require timely initial assessment.

How AI Claim Estimator Works

From damage images to an estimated claim amount, give adjusters a faster starting point for claim assessment while keeping the final decision in their hands.

Damage Images Submitted

Damage images and relevant claim information are provided for assessment.

AI Analyzes the Damage

AI evaluates the submitted images and claim details, identifies damaged components, and references current repair or replacement data relevant to the assessment.

Claim Estimate Generated

An estimated claim amount and damage summary are generated for the adjuster based on the assessed damage and available cost information.

Adjuster Reviews the Estimate

The adjuster reviews the AI-generated estimate against the damage evidence and available claim information.

Adjuster Moves the Claim Forward

The adjuster uses the estimate to support the appropriate next action within the claims workflow.

Built for AI-Assisted Claim Estimation

Give adjusters the tools to assess damage, evaluate estimated loss amounts, and maintain control throughout the claim estimation process.

  • AI Damage Analysis

    Analyze submitted damage images to identify visible damage and support claim estimation.

  • Estimated Claim Amount

    Generate an initial estimated claim amount based on the damage assessment and available claim information.

  • Current Parts & Replacement Data

    Reference current repair and replacement information for damaged components to support more accurate claim estimation.

  • AI-Generated Damage Summary

    Provide a clear description of identified damage alongside the estimated amount for adjuster review.

  • Estimate Versioning & History

    Maintain previous and updated estimates with amounts, dates, and user details for greater traceability.

  • Adjuster Review & Control

    Allow adjusters to review AI-generated estimates and make changes when additional information or professional judgment requires it.

Estimate Damage Faster. Keep Adjusters in Control.

Give your claims team an AI-assisted way to assess damage, generate initial claim estimates, and move claims forward with greater speed and consistency.

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