FNOL parser + coverage analyst + reserve recommender + payment-authority gating + SIU fraud lane + UCSPA-compliant statutory letters. ISO ClaimSearch + NICB Forewarn wired in. Every decision logged with cited exclusions — the audit trail your state DOI exam wants.
Broker email, voice transcript, portal form, mobile photo. FNOL parser extracts claimant, loss date, cause, location, contact with per-field confidence. Coverage analyst joins against the bound policy in seconds.
6 deterministic rules (rapid-post-bind, round-loss, prior-similar, no-police-report, high-value-low-doc, inception mismatch) + LLM narrative agent + ISO ClaimSearch + NICB Forewarn. Aggregate 0–100 score. Auto-route to SIU at ≥60.
California Cal. Code Reg. § 2695, Florida Stat. § 626.9541, NY 11 NYCRR 216.4, Texas Ins. Code Ch. 542 — cited inline. Denial letters carry appeal rights. RoR letters carry the non-waiver clause.
20-minute demo. We'll walk through FNOL → coverage → reserve → payment authority → statutory letter, with the audit pack at the end.
Book a demo →