AI claims intake cuts time to liability determination 28%.
Production AI for claims intake, built and run at Clearcover Insurance Company. Reps open every call with the facts already captured so they can cover 65% more investigative topics per call and decrease time to resolution.
Clearcover Insurance Company runs DiSCoBot, which stands for Digital Statement Collection, a conversational AI agent that captures a complete first notice of loss (FNOL) from claimants before a human rep ever picks up the phone. It plugs into existing workflows without a complete system overhaul or maintaining a parallel system. Across a 6-month study covering 3,302 claims, DiSCoBot cut median time to liability determination by 28%, median days to first payment by 25%, and median days to claim close by 11%. Reps now walk into a call with a topic-tagged summary already in hand, which lets them spend the call on coverage, liability, and next steps instead of intake. Dearborn Labs builds the same platform and primitives behind DiSCoBot into custom FNOL copilots for carrier partners.
// Results · Clearcover Insurance Company · 6-Month Study · 3,302 Claims
// Source: Clearcover Insurance Company internal analytics, 6-month study (3,302 claims).
When reps used DiSCoBot as intended, all four resolution metrics moved. Used right, it's confirm and advance rather than re-ask. The call becomes a consultation, not a second intake.
// The Challenge
Auto carriers lose days at the front of every claim to manual phone intake. The actual conversation is the short part. Reps schedule callbacks, leave voicemails, and reschedule statements across days before the call ever happens. When it does, the rep is still re-gathering foundational facts, like who was in the car, whether anyone was hurt, and whether police filed a report, before any investigative work can begin.
Slower liability decisions and delayed payments follow. And rep capacity gets burned on transcription and scheduling, exactly when judgment matters most.
// The Build
The team that now runs Dearborn Labs built DiSCoBot for Clearcover Insurance Company's claims operation. DiSCoBot captures structured loss-related information from the claimant and presents a topic-tagged summaryto the licensed adjuster who handles the claim. DiSCoBot uses claim-intake content prepared in consultation with Clearcover's claims organization to gather loss-related information from the claimant. The licensed adjuster retains all coverage, liability, and settlement decision authority.
By the time the adjuster speaks with the claimant, foundational information is already captured, so the call can focus on the questions only the adjuster can answer.
“We assumed customers would want to talk to a person. The data said the opposite. When given time to think through what happened—on their own timeline, not on the spot with an adjuster—they provided substantially more complete statements. They recalled details they'd have missed in real-time conversation, clarified their own thinking, and gave us the full picture of the incident. Better information meant faster and more accurate claim resolution.”
// What the Data Proved
A separate analysis of nearly 800 DiSCoBot sessions looked at what reps actually did with the information once they had it. Reps who confirmed the captured facts and moved forward covered 2.8 distinct decision areas per call such as coverage verification, liability evaluation, payment, subrogation. Reps who re-asked questions DiSCoBot had already answered covered 1.7. That gap of 65% more investigative ground per call showed up directly in time to close.
Re-collecting facts already on file costs time and burns customer goodwill; claimants notice when they're telling the same story twice. The difference wasn't the tool. It was whether the rep treated the call as a consultation or a second intake.
// Why It Matters
Liability speed is the lever. Determine liability faster and everything downstream moves — cycle time drops, and loss-adjustment expense follows it. Earlier first payment and faster close show up where a CFO looks: reserves and indemnity, not just satisfaction surveys.
There's a second effect that's easy to miss. A claimant who finishes the interview on their own time gives a more complete statement than one caught on a rushed phone call. Injury specifics get recorded. Third parties get named. Those details sharpen the liability call and help control loss costs over the life of the claim.
“We didn't build this to take the rep out of the call. We built it so the rep walks in already knowing what happened, and uses the call to do the work only the rep can do.”
Clearcover Insurance Company is the insurance carrier referenced in this material. Dearborn Labs is an affiliate within the Clearcover Insurance Holdings family. Dearborn Labs is not an insurance company and is not licensed to adjust insurance claims. All coverage, liability, and settlement determinations referenced in this material were made by Clearcover Insurance Company's licensed adjusters.
Results reflect Clearcover Insurance Company's deployment. Outcomes for other carriers will vary based on claims volume, mix, system integrations, and deployment scope. Prospective customers should evaluate results in light of their own operations, jurisdictional requirements, and applicable regulatory environment.
Dearborn Labs does not issue, underwrite, or sell insurance, and nothing in this material is an offer of insurance or a representation of coverage.
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