Case Study: Accelerating Claims

The Business Problem

A leading general insurance company, with a growing motor insurance portfolio, faced a persistent challenge delays and inconsistencies in vehicle damage assessment during claim processing.

Traditionally, after an accident, customers submitted photographs or physical inspection reports to initiate the claim process. Each claim required manual verification by surveyors and adjusters who would inspect the vehicle, assess damage severity, and estimate repair costs.

This manual process had several issues:

• High turnaround time (3–5 days per claim) due to physical inspections.

• Inconsistent assessments estimates varied by surveyor expertise and workload.

• Limited scalability as claim volumes grew rapidly.

• Customer dissatisfaction due to long processing times and delayed settlements.

With rising competition and digital-first customer expectations, the insurer recognized an urgent need for automation and intelligence in its claims operations. The goal was to improve speed, accuracy, and customer experience — without increasing manpower.

That’s where Ragalinks Business Solutions and its digital partner network stepped in with an innovative AI-powered Computer Vision solution.

The Solution

Working closely with the insurer’s claims and IT teams, Ragalinks facilitated the deployment of a Computer Vision–based AI platform that could automatically detect, classify, and assess vehicle damages from images uploaded by customers or surveyors.

The implementation followed a three-phase approach:

Data Preparation and AI Training

• Thousands of vehicle images (damaged and undamaged) were collected and annotated to train the AI model.

• The model was trained to identify damage types dents, cracks, broken lights, bumper damage, glass shattering, paint scratches, and more across multiple car models and lighting conditions.

Real-Time Assessment Engine

• The AI model was integrated into the insurer’s existing claims management system.

• Customers could upload images via the mobile app or website.

• The AI engine analyzed the photos in seconds and generated a damage map, highlighting affected areas and estimating repair costs based on severity and predefined pricing databases.

Workflow Integration and Automation

• The system automatically routed complex cases for human review while straight-through processing (STP) handled low-value claims.

• An interactive dashboard provided real-time claim insights, average cost trends, and performance analytics.

Ragalinks ensured the project was rolled out seamlessly with pilot testing, surveyor training, and governance frameworks to ensure data accuracy, compliance, and explainability of AI decisions.

The Benefits

The impact was both operational and strategic:

• Claim assessment time reduced from 3–5 days to under 30 minutes.

• Accuracy improved by 35–40%, with consistent estimates across assessors and locations.

• Customer satisfaction scores rose by 25%, as faster settlements enhanced trust and loyalty.

• Surveyor efficiency increased by 50%, enabling them to handle more claims with less effort.

• Operational costs reduced by 20%, through automation and reduced manual processing.

• Enhanced fraud detection, as AI flagged image manipulation or duplicate submissions.

Most importantly, the insurer built a data-driven, scalable claim management model that balanced automation with human oversight  improving both customer experience and operational resilience.

The Ragalinks Perspective

At Ragalinks Business Solutions, we believe AI isn’t just about technology — it’s about transformation. Through our digital partner ecosystem, we help MSMEs and enterprises alike leverage AI, IoT, and automation to streamline operations, boost efficiency, and create measurable business value.

This success story proves how Computer Vision–based AI can redefine service speed, accuracy, and trust in even the most traditional industries like insurance.

Because in today’s digital world, the future of service isn’t manual it’s intelligent, instant, and insightful.

By Ragalinks Business Solutions Pvt. Ltd.

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