Digital Claims Management

Leveraging technological potential to accelerate claims settlement

Settling claims quickly and accurately saves insurers, fleet operators, and fleet customers a great deal of time, effort, and money. We offer you a route to fast and efficient claims settlement using innovative digital technologies such as the sensor- and computer-based recording of telematics data followed by their intelligent analysis and assessment with the aid of artificial intelligence (AI) and big data analytics. If you have any questions about digital claims processing, our experts will be pleased to help you.

We tailor our services to the needs of insurers, fleet operators and fleet customers, who can benefit from our AI-based processes. You can rely on our digital services and expertise for initial damage assessments, a recommended course of action for the most efficient, fast and optimal claims settlement as well as a concrete assessment of damages by our experienced experts.

The right solution for every customer group

Our customized digital services improve claims processing by insurers and fleet operators. The range of services includes damage registration via an online portal, AI-based triaging, recommendations for action, and expert reports.

Future-proof technologies combined with our expertise enable us to offer you a broad range of applications that help you to standardize, greatly simplify, and accelerate processes such as claims reporting and assessment as well as the calculation of notional settlements.

In this way, for example, policyholders and claimants can report damage themselves online, providing detailed descriptions and photos. This serves as a structured basis for the efficient submission of a first notice of loss (FNOL). Minor losses can be settled with no further processing effort or assessed via a tele-report.

Digital claims management also makes it possible to use telematics data in automatically detecting an accident and reporting it without delay to the relevant insurer. This allows the insurer to contact the policyholder proactively.

In both scenarios, you quickly receive a rapid initial assessment of the claim value and access to a total loss indicator. In the case of complex claims, DEKRA experts can be consulted immediately. This significantly reduces the time needed for the entire settlement process.

At a glance

Claims reports and descriptions submitted by policyholders online or via an app
Automatic accident detection and reporting using telematics data as the basis for FNOL
Initial claim estimate for efficient claims management
Accelerated process thanks to automatic consultation of a DEKRA damage appraisal expert in complex cases

You benefit from significant efficiency gains thanks to digital claims management, automated damage registration, and an immediate assessment of the claim value. On this basis, you can take the appropriate action without delay, saving time and money thanks to standardized processes.

The integration of services such as tele-reports or damage appraisals – provided by our experienced experts in conjunction with the use of new technologies – ensures optimal and rapid handling at all stages of claims processing, even in complex cases.

In addition, an online tele-check prior to the return of a vehicle at the end of the lease facilitates the early planning of any repairs.

At a glance

Direct damage registration and immediate assessment of the claim value
Immediate recommendations for action to accelerate claims management
Integration of tele-reports and damage appraisals to ensure comprehensive claims processing
Tele-checks prior to the return of a vehicle at the end of the lease to facilitate early planning

In the context of car rental operations, digital claims management simplifies aspects such as the check-in/check-out process by recording any damage that occurs during the rental period and adding them to the vehicle dossier. The combination of automatically recorded telematics data, customer questionnaires, and photos provides you with a detailed overview of a vehicle’s condition. As a result, immediate recommendations for action can be provided. In complex cases, DEKRA experts or other services can be integrated into the process.

Alongside damage registration, digital claims management also makes it possible to record any unusual driver behavior and check whether the vehicle has been refueled in accordance with the return policy. Various data sources can be used independently of each other, enabling the system and services to be tailored flexibly to your company’s individual needs.

In addition, historical telematics data can be assessed to obtain a DEKRA telematics used car seal, which makes it easier for you to market your vehicles and obtain higher prices.

At a glance

Combined telematics data, descriptions, and photos for a detailed vehicle condition report
Identifies damage and unusual driver behavior and checks fuel levels in line with the return policy
Seamless integration of further DEKRA services in the event of a claim
Flexibly tailored to companies’ individual needs
Telematics used car seal to facilitate marketing of used vehicles

With the aid of online damage registration and on-site photos, digital claims management facilitates the rapid initial assessment of the claim value. The data recorded enables DEKRA Claims Management to produce a cost estimate for you without having to send an expert to inspect the damage in person. As a result, you can quickly and efficiently take decisions on how you want to proceed in accident damage cases, saving valuable time when your workshop is already operating to capacity.

At a glance

Rapid initial assessment of the claim value at the car dealer
Faster decision-making in the case of accident damage, saving time
Easier preparation of cost estimates thanks to system support

As an OEM (original equipment manufacturer), you can use digital claims management to take a direct role in managing accident damage. By recording collision damage to vehicles of your own marques, you can proactively contact the affected customers and initiate the claims management process, enabling you to steer customers to a repair workshop in your own network. This approach ensures repair quality, increases sales of original spare parts, and improves utilization of your own workshop capacities.

At a glance

Direct registration and management of accident damage to vehicles of OEM own marques
Proactive contact with affected customers to manage claims
Steering repair decisions in favor of OEM workshops
Increased sales of original spare parts and improved capacity utilization
Stronger customer loyalty and increased brand awareness

Why you should choose DEKRA’s digital claims processing

Neutrality

We are an internationally recognized, independent testing organization with a strong portfolio of services tailored to your needs. We respect the privacy of claimants and protect your data.

Innovation

Our investment in research and modern technologies enables us to offer you solutions, processes, and services that address both present and future challenges. We strengthen your team with our technologies, experience, and expertise, creating competitive advantages for your business.

Transparency

We ensure the transparency of your processes and integrate our knowledge and systems seamlessly into your existing platforms. This enables you to take the right decisions at all times and process claims efficiently and to the satisfaction of your customers.

Efficiency

We support you with our expertise and high-quality solutions, enabling you to design your processes as efficiently and effectively as possible. We provide you with just the services you need, continuously monitoring and improving our performance in order to ensure your satisfaction.

Digital claims processing: A holistic approach

Our holistic digital service supports you throughout the entire claims handling process. Using our practical, dynamic digital questionnaire, you can quickly and accurately compile a detailed and standardized damage report. If telematics data are already available to you, the AI solution can use the parameters provided for an automated and proactive damage report and to generate an accurate initial estimate of the claim value.

Regardless of whether claims are reported manually using the dynamic questionnaire or based on telematics data, the combination of AI and big data provides you with an initial estimate of the expected loss level and a recommended course of action for optimal claims settlement. Once the damage has been reported, our experts are available either online or offline to assist you – depending on the extent of the damage. You can benefit from our expertise and experience by using our five service modules to process your claims.

The solution consists of five modules

The highly automated software solution produces a structured and standardized damage report, either using our practical dynamic questionnaire or based on telematics data. The damage report module includes a guided image upload process. As the software is easily configurable, it can support a wide range of business requirements – from call center solutions to self-service portals for end customers. The software solution can be provided in DEKRA branding or as a white-label product.

The combination of AI and big data enables qualified classification of the claim value based on a structured and standardized damage report. Settlement recommendation includes:

Repair cost corridor
Replacement value
Residual value forecast
Total loss indicator
Recommended course of action for optimal claims settlement

This module can be combined with the damage report module.

Our experts assess the damage based on the results of the damage report and settlement recommendation modules together with the photos provided, without carrying out an on-site vehicle inspection.

The scope of services includes a statement of the expected total costs of repairing the damage, detailing labor, painting, spare parts, and ancillary costs. In addition, a statement can be issued regarding any possible reduction in value.

The written result of the tele-check, bearing our renowned DEKRA logo, can be used as the basis for a notional settlement.

In addition to the services included in the tele-check module, our DEKRA experts prepare a detailed calculation of the repair costs.

In an on-site inspection of the vehicle, our expert records and documents all damage with the aid of photos. You then receive a comprehensive damage appraisal with detailed information about all items relating to the damage and settlement.

Why DEKRA

We offer you the support of our experts’ many years of extensive expertise in claims settlement – from registration and triaging, through analysis and assessment, to appraisal.
You benefit from our holistic damage assessment service based on innovative state-of-the-art technologies, facilitating efficient claims management.
Our tailored digital services enable you to process claims quickly, efficiently, inexpensively, and to the satisfaction of your customers.
You can place your trust in our innovative strength and our partner, Swiss start-up Spearhead AG.

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Product Sheet Digital Claims Management

Do you have questions about our DEKRA Digital Service? Contact a DEKRA expert today!