Accelerating Auto Claims with Confidence

February 18, 2026 / 3 min read

In the world of auto insurance, speed is often treated as the gold standard. Customers expect fast responses. Carriers aim for quick resolutions. Technology promises real-time results. The pressure to move quickly, especially at first notice of loss (FNOL), has never been greater.

But this comes with a quiet cost: the obsession with speed can make it harder to let the actual coverage guide the claim.

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A counterproductive cycle

When claims are processed before coverage is fully confirmed, the risk grows. A rushed decision, made without a complete understanding of often obscure policy details, can easily lead to overpayments, customer disputes, and operational inefficiencies. Claims leakage becomes a real threat. And the damage to customer trust can be difficult to repair once it begins.

In short, efforts to save time and money can produce the opposite result: needlessly prolonged claim cycles at higher cost. Adjusters may need to backtrack days or weeks later to fix errors.

But accelerated claim workflows roll on, and too often, they pressure adjusters to make judgment calls and assumptions based on incomplete or outdated information about today’s complex coverages. In the name of efficiency, claims may be paid or denied without knowing whether there’s actually coverage, allowing uncovered losses to slip through while legitimate settlements are held up. Neither outcome serves the customer or the business.

These challenges demand a wider perspective

This is where technology must widen its scope from speed for its own sake to speed with accuracy. A comprehensive source of truth can bring full coverage clarity to the claims process from the very beginning—not just retrieving policy data but interpreting it in the context of the specific loss. Claims Coverage Identifier from Verisk can be that source of truth.

Using Claims Coverage Identifier can be the key to understanding the actual coverage that applies to the reported event. Instead of showing all policy information and forcing the adjuster to sort through it, Claims Coverage Identifier focuses on specific endorsements, exclusions, and any recent changes that may affect the claim. By surfacing this information at first notice of loss (FNOL) and continuing to gain clarity through the claim cycle, especially into subrogation, adjusters can make defensible decisions, not guesses, and act with confidence, not hesitation. Claims can still move quickly, but correctly and consistently, building trust with policyholders.

It gives claims professionals instant access to the policy details that matter for the loss being reported, analyzes the specific claim context, and surfaces only what is relevant. It connects the dots between the loss, the vehicle or party involved, and the exact version of the policy that applies at that time.

This kind of intelligence can transform the adjuster’s role. Rather than relying on assumptions or waiting on other departments to verify coverage, adjusters are equipped with the real-time information they need. That reduces back-and-forth communication, avoidable errors, and uncomfortable calls to customers when things go wrong.

It’s time to redefine what efficiency really means in claims—not just quick results but lasting ones built on accuracy. Because moving fast is good—but only when you’re heading in the right direction.

Learn more about how carriers are finding their balance with Claims Coverage Identifier.

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Accelerate Auto Claims and Avoid the Pitfalls of Guesswork

A counterproductive cycle

These challenges demand a wider perspective