AI Agent PoC to Reduce Claims Processing Time by 83%

Client

With a network covering 42 countries, ARC Europe is a leading provider of roadside assistance and insurance solutions across Europe. Apart from traditional services, ARC Europe supports the electric transition with a pioneering assistance ecosystem for electric vehicles.

Project

The company sought an innovative approach to claims processing that could increase efficiency and reduce human errors.

The project involved creating a proof-of-concept (PoC) AI agent capable of automating insurance claims analysis using a GPT-based model.

In around six weeks, Netguru developed a prototype to demonstrate the feasibility of using AI to streamline claims assessment, reducing manual effort while ensuring accuracy and compliance.

Key Challenges

• Traditional claims processing requires extensive manual reviews, slowing down resolution times and impacting customer satisfaction.

• Different claims handlers may interpret claims differently, leading to inconsistencies, disputes, and the need for re-evaluation.

• The current manual approach limits the company’s ability to scale operations efficiently.

• Manual approach is not flexible enough for high-demand peaks.

Solution

Netguru developed an AI-driven claims analysis system that leverages GPT technology to automatically process claims, assess compliance, and generate reports.

The system integrates with ARC Europe’s existing processes and uses a large language model to improve claim assessment accuracy over time.

The prototype was built on Microsoft Azure, ensuring a secure, scalable, and compliant infrastructure.

The analysis is done in four phases:

1. Claim is received by the system (input)

2. LLM model compares the client claim with case history and attachments provided by the customer

3. AI model summarizes ticket and provides initial recommendation for human operator decisions

4. Human operator makes the final decision and provides an answer to the client.

Results

The AI prototype significantly reduces the time required for claims assessment, while machine learning-driven analysis minimizes human errors and ensures consistency.

What’s more, the solution provides a foundation for future expansion, enabling ARC Europe to handle more claims efficiently.

The new system:

• was delivered in less than 6 weeks,

• reduces claim assessment from 30 to 5 minutes (by ca. 83%),

• increases assessment accuracy,

• ensures adherence to industry regulations with built-in compliance checks.

With the successful completion of the prototype, ARC Europe is evaluating next steps for full-scale implementation to bring AI-driven automation into production.