Insurance

Summary

Instavalo addresses one of the largest cost drivers in auto insurance: claim costs. Through AI-based damage analysis and the involvement of certified automotive experts, claim processes are digitized, costs are structurally reduced, and the combined ratio is sustainably improved.

Economic Impact:

Instavalo thereby creates a direct lever for improving the Combined Ratio.
The solution is already established and proven in the market and is backed by the Hüsges Group,Germany's largest owner-managed expert organization.

The Challenge

The combined ratio in the auto insurance business has been under pressure for years. Rising repair costs as well as inefficient and inconsistent claim processes lead to continuously higher claim expenses.

A significant portion of these costs arises from:

External expert costs

Inflated workshop cost estimates

Lack of standardization in damage assessment

Multi-stage review and coordination processes

These factors lead to structural additional costs per claim.

The Solution

The proposed solution uses AI-based scanner technology for automated damage analysis.

The technology enables:

Digital damage documentation

Standardized damage assessment

Automated creation of repair orders

The claim process is thereby transformed from a manual expert process to digitally controlled claims management.

An expert remains in the process as "human in the loop" for quality assurance and special cases.

Economic Impact

Through more precise damage analysis and digital processes, several direct effects emerge:

• ✔ More repairs instead of parts replacement
• ✔ Elimination of external experts
• ✔ Lower process and review costs
• ✔ Elimination of ControlExpert and similar services
• ✔ More objective damage assessment

This leads to an average savings potential of approximately
€500 - €1000
per claim.

Strategic Relevance

The claims area is the largest cost block in auto insurance. Technologies that create structural efficiency here have a direct impact on:

Profitability

Combined ratio

Operational efficiency

Customer satisfaction

The solution thereby addresses a central lever in the insurance industry: the digital control of claim costs and is already being used by several insurers today.