United Auto Insurance reduces claims cycle time with AI-powered Qapter Intelligent Estimating

United Auto needed to modernize its claims workflow as customers increasingly demanded self-service digital options. Manual appraisal processes were slow, limiting appraiser throughput and extending wait times for policyholders after accidents.

United Auto implemented Solera's Qapter Intelligent Estimating with Visual Intelligence, an AI-powered solution that uses guided image capture, machine learning, and Solera's proprietary Repair Science™ algorithm to generate preliminary damage estimates from policyholder-submitted photos. The system uses a database of over 100 million vehicle repair images and an Automated Appraisal Engine (A2E) to produce estimates within three minutes.

Appraisers significantly improved their daily production volume and customers experienced reduced wait times throughout the claims journey. The partnership was extended with an API integration to United Auto's self-service FNOL portal, further reducing cycle time and improving customer experience.

• AI-powered image analysis can generate preliminary damage estimates in under three minutes, dramatically accelerating the appraisal workflow.
• Guided image capture tools empower policyholders to self-serve, reducing dependency on in-person appraisers for standard claims.
• Insurers that adopt digital-first claims tools can free adjusters to focus on complex cases while improving overall throughput.