The outcome, in one place
The decision, the amount and the reason for each line, cited to your claims manual and policy terms.
MILAMotor Claims Adjudicator
More motor claims decided, without adding adjusters.
MILA handles collision and comprehensive claims end to end, from the first call to a cited decision, inside the manual you write. Your adjusters get only the calls that are theirs.
First call to decisionon collision and comprehensive claims
Four partieson one shared claim record
Every estimate linechecked against your agreed rates
The workMotor claims
The claim isn’t slow. The waiting is.
A motor claim touches four parties: the policyholder, the appraiser, the garage and the insurer. Each holds part of the file, so even a straightforward collision can take two weeks or more.
Most AI tools hand every claim back. They draft a summary and a score, an adjuster reviews every claim, and the customer waits. Your adjuster becomes the queue.
MILA holds the adjudicator role. It works each claim end to end and returns a decision with the reasoning attached. Accountability for that decision stays with you.
The evidenceOne claim record
What MILA reads
MILA keeps one claim record that the policyholder, the appraiser, the garage and the insurer all share.
| Input | What MILA checks |
|---|---|
| The first call or chat | Whether anyone is hurt, then time, place, impact and whether the car can be driven |
| Policy and vehicle records | Policy in force at the time of loss, and the vehicle matched to the policy |
| Photos and documents | Damage, plate and documents read, with each value linked to its source |
| Police report | Requested when needed and read alongside the policyholder’s account |
| Repair estimate | Every line against your agreed rates, and repair cost against the car’s value |
| Industry claims data | A claims check run before anything moves |
The decisionFirst call to decision
What MILA decides
One AI Coworker owns the claim, from the first call to a cited decision.
| It works the claim step by step: | |
|---|---|
| 1 | Takes the first call. Asks first if anyone is hurt, then captures time, place, impact and whether the car can be driven. |
| 2 | Checks cover before anything moves. Policy in force at the time of loss, the vehicle matched to the policy, and an industry claims check. |
| 3 | Keeps the claim moving. Arranges the tow and the rental, requests the police report, and lines up the appraiser. |
| 4 | Audits the estimate. Every line against your agreed rates, hidden damage flagged early, and repair cost checked against the car’s value. |
| 5 | Decides, and cites every reason. Within its authority. Anything above it goes to the right adjuster, ready in one screen. |
Referrals stay with your team
Claims outside its authority go to the right adjuster with the evidence and a recommendation.
Your teamYou set the autonomy
You decide how far MILA goes
Set an autonomy level for each task, and change it as MILA earns your trust. Your adjusters spend their time on the calls that need judgement.
| Level | What happens |
|---|---|
| A1 | Prepared for you. MILA prepares the file. Your adjuster decides. |
| A2 | Decided, you confirm. MILA decides, with reasons. Your team confirms. |
| A3 | Completed, sampled. MILA completes it. Your audit desk samples. |
| A4 | Completed, silent. Routine work such as filing, fully logged. |
GovernanceThe five brains
Every output passes the same five checks
Configurable oversight
You set the boundary. Autonomy widens on your terms.
Auditable
Every step and every input retained, examiner-ready.
Cited
Every decision cited to your manual, line by line.
Consistent
Same input, same answer, every time.
Hard-grounded
Your data and your manual. Nothing invented in the gap.
Go-liveProve it on your own claims first
How MILA goes live
01
Bring one queue and a month of decided claims.
02
Run MILA in shadow alongside your adjusters, before it decides anything.
03
Compare its decisions with your people’s, decision by decision, against your manual.
04
Widen its authority task by task, as the results earn it. Deployed in your cloud, on your keys.
Also in claimsHealth and life claims
Faster people is not more capacity.
More decisions is.
Bring one queue and a month of decided claims. Run MILA alongside your own adjusters before it decides anything, against your own manual.