The United Kingdom branch of Audatex last month announced an “innovative, all-encompassing, next generation” first notice of loss system able to predict total losses at the scene and dispatch repairable cars to an appropriate insurance network shop.
The AudaFNOL product announced Oct. 24 by Audatex U.K. and at Connected Claims Europe is designated for Great Britain, but a spokesman for Audatex U.S. didn’t rule out the system coming to America.
“The team is working through the localization of this technology but are not ready yet to release information,” spokesman Morgan Butler wrote in an email Monday. He suggested more information might be available next year.
The system appears to largely rely upon photos taken by the customer following the crash, which receive desk review from an adjuster — and an artificial intelligence.
“AudaFNOL is another example of how we’re driving the insurance industry forward through enhancing operational efficiencies and controlling cost for the customer, improving their overall journey that ultimately leads to a superior customer experience,” Audatex UKSA Managing Director David Shepherd said in a statement. “By launching AudaFNOL, we’re taking advantage of the growing importance that Artificial Intelligence (AI) is playing in the sector, helping to speed-up the overall process for both the customer and insurer.”
Audatex noted that the customer might have a more interactive role than simply taking the photos.
“Using Audatex’s software, the policyholder or the claims handler can then mark up the area and severity of the vehicle’s damage witheither a 2D Damage Capture portal or a downloadable 3D Damage Capture app that provides a gamified representation of the exact damage to the vehicle,” Audatex wrote.
The company wrote it was testing its image recognition system “with a view to streamlining the AudaFNOL process even further.”
The software then runs the vehicle through a predictive analytics “Repair vs. Total Loss feature,” according to the British branch of the IP. The system classifies the vehicle damage “based on millions of vehicle damage assessments,” which is probably a reference to a historic record of photos associated with estimates. CCC and Mitchell both have announced plans to have an AI make total loss determinations using similar data sets.
Audatex said repairable vehicles can be dispatched to the shop which best fits the conditions of the wreck and customer. While shop choice laws in many states prevent insurers from selecting a repairer outright or “steering” to a network shop, the technology might still have a role in helping shops and insurers load-level at an MSO or DRP network in a particular market. It also seems like a means of ensuring a certified shop gets the work rather than whomever happens to be No. 1 in the DRP KPI rankings.
“Audatex’s Repair Allocation Manager (RAM) lists availability of repairers, based on its Repairer Network Management module, cross referencing the repairer’s suitability to effectively carry out the repair and the proximity to the customer,” Audatex wrote. “RAM identifies the type of repair required from traditional, mobile, fast-track or advanced (electric/aluminium/ADAS) repairs.”
Audatex also touted the benefits of the system to shops. Being able to access the information allows the repairer to better schedule its workload, according to Audatex. (Surprisingly, it didn’t point to the obvious benefit of the shop being able to order at least exterior parts immediately.)
However, Audatex argued that having access to the AudaFNOL data also allows the shop to impress the customer — an interesting point and a hopefully a good predictor of insurer cooperation when it comes to a shop obtaining AI and FNOL data available to the carrier.
“Allowing the bodyshop visibility of the images before speaking to the customer enables a smoother and improved customer experience, with additional familiarity of the vehicle and customer’s needs,” Audatex wrote.
Whether AudaFNOL makes it over to the U.S. or not, such “insurtech” seems likely to start changing the claims game for collision repairers and auto insurers sometime next year. Shops are going to have to be ready to adapt to the benefits and headaches accompanying such systems to stay competitive. A crucial step — particularly in the case of non-DRP facilities — will be to be kept in the loop on the trove of data and photos already available to the customer and insurer before the vehicle even arrives at the shop, just as a specialist might request the medical records from a referring general practitioner.
“AudaFNOL streamlining the insurance claims process”
Audatex United Kingdom, Oct. 24, 2017
Featured image: The Solera booth advertises Audatex at NACE 2017. (John Huetter/Repairer Driven News)