Managed Agents at Previously $0.06 $0.03/minManaged Agents are Previously $0.06 $0.03/min.

ServiceNow#1 on EVA-Bench

Artificial Analysis#1 on Speech Agent Arena

AI insurance claims processing that opens a claim on the first call.

Open claims, book inspections, and update policyholders on their claims.

Talk to salesStart building

Trusted by leading teams

ServiceNowArtificial Analysis

Ranked #1

on EVA-Bench and Speech Agent Arena

ServiceNow
Indeed
SpeakX
Supernova
1Point1
ELSA

Open claims faster and answer every status call

Each call ends with a defined outcome, like a claim opened, an inspection booked, a status update given, or a rental car reserved.

The agent asks whether anyone is hurt, finds the policy, takes the loss details, reads them back, and opens the claim once the caller confirms.

Where AI for insurance claims processing fits in a claim

What is AI insurance claims processing on the phone?

AI insurance claims processing covers many tools, and this one handles the phone side. A voice agent takes first notice of loss, books the inspection, answers status calls and reserves a rental car within the policy's limit, working in your claims system through tools you configure.

  • Find the policy
  • Create the claim
  • Find inspection times
  • Book an inspection
  • Read claim status

What happens when someone is hurt?

Every first call starts with that question. If anyone is hurt, the agent tells the caller to contact emergency services and transfers to a claims adjuster at once, before any form starts.

I was just rear-ended and want to report it. Policy CR-48211.

I'm sorry that happened. First, is anyone hurt?

No, we're okay. It was on Mason Avenue at 8:40. The bumper's cracked, but it drives.

How do AI agents for insurance claims processing take a report?

This agent finds the policy, then takes when and where the loss happened, the damage and whether the car is drivable. It reads all of that back, opens the claim after the caller says yes, then offers inspection times from your calendar.

  • Rear-end collision, Jordan Pike6:42
  • Inspection booked, Thursday 9:001:36
  • Claim status, estimate approved1:12

Does AI in insurance claims processing decide coverage?

This agent doesn't. It won't say whether a loss is covered, because your adjusters decide that, and coverage questions transfer to one. It reads status from the claim record, and it doesn't review photos or estimate damage.

Resolved on the call

Did the agent resolve the policyholder's request before the call ended, without a transfer?

What your adjusters stop doing by phone

Many AI-powered tools for insurance claims processing work on documents. This one takes the intake and status calls that only need a record read aloud, and adjusters keep the decisions.

The claim opens on the first call

A policyholder standing beside a cracked bumper gets a claim number before the call ends, with the details already read back and confirmed.

Injury questions come before paperwork

If anyone is hurt, the caller is told to contact emergency services and reaches an adjuster right away. The form waits.

Inspections book while the caller is there

Times come from your calendar. The agent books the one the policyholder picks, which saves a round of calls to set it up.

Status calls don't need an adjuster

Where's my claim is a record lookup. The agent reads the current step, from estimate approved to a shop notified, so nobody waits on hold to hear it.

Rentals stay inside the policy limit

The agent reads the rental coverage on the policy and reserves a car near the policyholder within that limit, so the reservation matches the record.

Coverage stays an adjuster's decision

Asked whether a loss is covered, the agent says it can't say. It doesn't evaluate damage, estimate a payment or decide a claim.

Takes a loss report from the side of the road

First notice of loss happens in traffic and parking lots, from people still shaken. Cartesia's speech models keep up with the stops and restarts.

  • $0.03per minute
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Gets the story in any order

Callers give the street, then the time, then go back to the bumper. The agent lets them finish and sorts it into the read-back.

Your claims rules and your LLM

Any LLM you pick runs the same order, injuries first. Policy lookup, claim creation, inspection booking, status reads and rental reservations are its tools.

Calm in the first minutes after a crash

Test library voices on your claims greeting. Keep one that still sounds composed when the caller doesn't.

AI insurance claims processing automation beside a call center or form

AI automation for insurance claims processing sits beside the channels you already run. Here's how each one takes a new claim and the calls after it.

Claims voice agentClaims call centerWeb or app form
Takes a claim after hoursYes, at any hourDepends on staffingYes, if the caller can type it
Asks about injuries firstEvery call, by instructionUsually, per the scriptUsually a checkbox
Reads the details backYes, before opening the claimYesA review screen
Handles a storm surge of callsCalls run side by sideCallers can wait on holdNo wait, if the site holds up
Answers where's my claimReads the current stepYes, once a rep is freeOften a status page
Handles an injured or upset callerTransfers to an adjusterYes, a trained person is on the lineNo

See which calls resolved the policyholder's request

Every call is recorded and transcribed. See which calls opened a claim, booked an inspection, answered a status question, or reserved a rental car.

Launch a claims voice agent in three steps

Start building

  1. Clone the Claims line

    Replace the sample carrier in your copy, then set your loss questions and transfer rules.

  2. Connect policy and claims systems

    Link policy, claims and scheduling through tools you configure, and move your claims number onto the agent.

  3. File a rear-end collision

    Call as a driver with no injuries and book the inspection. Call again and report an injury. Go live when the first opens a claim and the second reaches an adjuster.

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

  • GDPR badge

    GDPR

Insurance claims FAQs

What is AI insurance claims processing?

It's a voice agent that handles the phone side of a claim. It takes first notice of loss on the first call, books inspections, answers claim status questions and reserves rental cars within the policy's coverage. Your adjusters decide coverage.

Can the agent take first notice of loss (FNOL) by phone?

Yes. First notice of loss is the first report of a loss to an insurer. The agent asks whether anyone is hurt, finds the policy, takes when and where the loss happened, the damage and whether the car is drivable, reads the details back and opens the claim once the caller says yes.

Does the agent decide whether a loss is covered?

No. The agent opens the claim and books the inspection, and your adjusters decide coverage.

What does the agent do when someone is hurt?

It tells the caller to contact emergency services and transfers the call to a claims adjuster before taking any details.

Can Cartesia work with our claims system?

Yes. The agent connects to your policy, claims, and scheduling systems through tools you configure.

Can an agent hand a caller over to a person?

Yes. Injuries and coverage questions go to a claims adjuster, and you control exactly when else the agent transfers.

Can we support calls in different languages?

Yes. Cartesia agents speak 44 languages, so policyholders can talk to the agent in their own language.

How can AI improve insurance claims processing?

On the phone, it takes the steps that need a record and no judgment. This agent opens the claim on the first call, books the inspection, reads status and reserves a rental within the policy's limit. That leaves your adjusters with injuries and coverage decisions. How much it changes your numbers depends on your call mix, so test it against your own calls.

What are the best AI tools for insurance claims processing?

The best fit depends on which step you want help with, since reading documents and taking phone calls are different products. This agent covers calls only. It doesn't review photos or decide coverage. To judge it, call the sample claims line on this page, report a loss, then ask whether you're covered and read the transcript.

How much does AI insurance claims processing cost?

The agent is $0.03 per minute of call time, so a first notice of loss costs more than a quick status call because it runs longer. LLM usage is billed separately. A Cartesia phone number adds $0.014 per minute, or nothing if you bring your own Twilio account or SIP trunk. The free plan includes $1 of agent calls a month, so you can test the agent before you pay. See pricing.

Find your voice

Talk to an expert.

Connect with a member of our team and learn how Cartesia can help you build world-class voice experiences.

Contact Sales

Start building.

Access our models via API and bring an agent into production with our SDKs and developer tools.

Try Cartesia

We’re hiring!

Build the future of interactive intelligence

Careers page