AUTO CLAIMS MANAGEMENT SOFTWARE
Personal and Commercial Auto Claims, Run on VCA ClaimsCore
VCA ClaimsCore routes each auto claim by rule, holds its reserves and payments on one record, and tracks subrogation and salvage through to the funds received, for carriers, TPAs and adjusting firms.
Auto is one line of many. Every property and casualty line runs on the same platform. Not workers' compensation or health benefits.
An Illustration: One Reserve, on the Record
ONE RESERVE, ON THE RECORD
Who Set It, When It Moved, and How Far
Reserve History
| Date | Movement and Reason | By | Amount |
|---|---|---|---|
| Mar 3 | Indemnity reserve setReason: First inspection | Adjuster A | $25,000 |
| Mar 17 | RevisedReason: Contractor estimate received | Adjuster A | $25,000 to $38,000 |
Pending Approvals
| Type | Requested Value | Review |
|---|---|---|
| Indemnity | $60,000 | Waiting for Approval |
Submitted to Claims Manager B, chosen from the approver list. A note naming who it went to is written to the claim.
THE WORK
Auto claims arrive in volume and close on the details: who got the claim, how the reserve moved, and whether the money owed back was ever pursued. Each of those belongs on the claim, where the next person can read it.
WHAT CLAIMSCORE DOES FOR AUTO
From First Assignment to the Last Recovery
Six parts of the auto claim, and what ClaimsCore records for each. All of it is in the core platform.
- Assignment by RuleClaims route automatically by loss location, adjuster workload or client, to the right handler. A supervisor can still assign by hand or from a queue. Turn on automatic acknowledgment, and assigning a claim also emails the client your acknowledgment letter and logs a file note.
- Reserves Inside AuthorityEach reserve has a type and a full change history. One above the adjuster's limit goes to an approver and is not in place on the claim until it is approved.
- Payments Against the ReserveEvery payment is recorded against the reserve it draws on, with payee, amount, date and status, and each reserve shows what has been paid and what is left.
- Subrogation and SalvageA Subrogation Potential flag marks the claims worth pursuing. Each recovery is tracked from the recovery agent and filing date to the funds received, and posted against the reserve it offsets.
- Claims in LitigationLitigation and defense flags make the claims that need special handling searchable, defense counsel sit on the claim as contacts, and attorney payments are recorded on it.
- Photos and Documents on the ClaimPhotos and documents go onto the claim by drag and drop or bulk upload. Letters fill from the claim, email sent from it goes through your own mail server, and both are logged on the claim beside the photos.
THE POLICYHOLDER'S SIDE
First Notice From the Driver, Straight Onto the Claim
InsuredConnect, an add-on, lets a policyholder report an auto loss from a phone or computer, and keeps them informed from there.
It carries your brand and is configured by line of business or jurisdiction, so the auto intake asks auto questions.
Report the Loss
Loss details, photos and location are captured once and arrive in ClaimsCore structured, with no rekeying.
Follow the Claim
The policyholder sees the claim's status and who is handling it, without calling to ask.
Send What's Asked For
Photos, receipts and forms go onto the right claim, and messages run both ways between the policyholder and the claims team.
WHERE TO GO NEXT
Auto Claims, by Who Runs Them
The same auto claim looks different from a carrier's desk and from an adjusting firm's. Each page below starts from that seat.
Adjusting Firms
Time and expense are tracked against each claim by client, so the invoice draws on what was already entered.
TPAs
Each client's rates, protocols and instructions carry into every claim handled for it.
Carriers
Claims run beside the policy system you already have, with reserve authority and recoveries on the claim.
Everything in VCA ClaimsCore →The Pressures on Auto Claims, an Article →
Questions About Auto Claims
Does VCA handle personal and commercial auto claims?
Yes. VCA ClaimsCore runs personal and commercial auto claims alongside every other property and casualty line, but not workers' compensation or health benefits claims. Each loss type is set up with its own tabs and fields, in your terminology, so an auto claim is never forced into a generic form.
Can VCA issue auto claim payments?
Yes, with ClaimsPay, an add-on that issues claims payments from the claim. With or without it, ClaimsCore records every payment against the reserve it draws on, and those transactions are reachable through VCA's APIs for a custom link to your accounting system.
Does VCA handle Lloyd's market auto business?
Yes. VCA serves the DCA and coverholder side of the Lloyd's market, for subscription and individual-risk business. Set up the Unique Market Reference once and bordereaux populate per claim, and the retail agent, coverholder, Lloyd's broker and managing agent are recorded as claim participants.
How long does it take to go live with VCA for auto claims?
Every implementation starts with discovery. VCA maps how your claims actually move (how claims arrive, who gets each one, how reserves move and where recoveries are pursued) before anything is configured, and ClaimsCore is then configured to that process. Carriers plan on the Carrier License: 12 weeks to 6 months. An Enterprise License deployment runs 8 to 16 weeks, and on a Standard License, configured to your workflows, ClaimsCore goes live in 3 to 4 weeks.
Bring us a claim where the promise was hard to keep
Pick an auto claim with a recovery or a reserve that moved, and we'll walk it through ClaimsCore with you, from the first assignment to the funds received.
Request a DemoHow Implementation Works →How Pricing Works →Security and SOC Reports →