For over a century, the insurance claims workflow followed a slow, paper-heavy sequence: accident occurrence, formal call to a call center, scheduling a human claims adjuster 7 to 10 days later, waiting for shop body quotes, and slow check issuance. Today, InsurTech startups and legacy carriers have compressed this entire lifecycle into minutes via computer vision, automated claims triage, and direct debit settlement rails.
When a driver experiences a fender bender, they upload 4 to 6 photos through the carrier's mobile app. Deep learning convolutional neural networks, trained on millions of historical repair claims, immediately identify vehicle parts, determine sheet metal deformation depth, cross-reference local OEM parts availability databases, and calculate labor hours.