Cogitate Claims First
Notice of Loss
Cogitate Claims FNOL is a digital claims reporting tool for the convenience of policyholders, agents and insurance companies. With the help of this solution, insurance carriers, MGAs and wholesale brokers can enable their customers to report the first notice of loss through web portals and mobile apps. It simplifies the claims reporting process for customers and delivers an efficient, effective and satisfying customer experience.
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Customer experience that goes beyond the basic
Cogitate Claims FNOL is a digital claims reporting solution that ensures a modern customer experience. It gives policyholders the flexibility to directly file claims through mobile and web interfaces instead of calling the insurance company or its agents. Policyholders can capture and submit photographs and upload police reports and other relevant documents with ease while filing their claims. In addition, they can check the status of their claim on both the website and the mobile app. Cogitate Claims FNOL accelerates claims reporting and helps in reducing processing time, leading to better customer satisfaction and improved customer loyalty. It is equipped to handle multiple lines of business and can be quickly integrated with any existing claims management system and policy administration system.
Ready for Multiple
Lines of Business
The FNOL process, though similar across the insurance industry, has variations specific to lines of business and carriers. Cogitate Claims FNOL solution is designed to incorporate multiple lines of business such as auto, property and more with ease, and can be customized to meet the specific needs of insurance carriers, MGAs and wholesalers.
Integration with
Existing Systems
The architecture of Cogitate Claims FNOL supports quick and easy integration with almost any claims management system and policy administration system. After capturing all claim information, the data is sent to the claims management system to generate a claim number. The claim number is also communicated to the user for further inquiries and status updates.
Multi-channel Compatible
Modern day policyholders seek the flexibility of multiple means to file a claim. Cogitate Claims FNOL solution uses an integrated approach of web (internal and external access) and mobile apps. It supports multi-channel submission and delivery of information for an impeccable user experience. Being integrated with claims management systems, it provides a true omni-channel experience to users, agents and insurance companies.
“Several of our friends in the business use the Cogitate solution. They highly recommended Cogitate for their industry expertise, solution capabilities and their friendly team who work with the customer to solve their issues. Our new claims system engages users throughout the claim lifecycle. It is helping our team to reinvigorate claims processes to improve customer experience, increase efficiency, and reduce operational cost. It is pre-integrated with various third-party data services and also with our other internal systems for real-time exchange of information.
Traders Insurance
“In the rapidly changing insurance industry, insurers are turning to digital business models to stay relevant and competitive. Digitalization of insurance is no longer a differentiator but has become table stakes to fulfil new customer demands. Insurers are looking for modern technologies to build out their digital ecosystem and transform the customer experience - for both channel partners and customers. Critically, these kinds of systems must integrate seamlessly with existing core insurance systems and have pre-integrations with third party data sources and insurance services. Many insurers are looking for a microservices-based architecture to drive flexibility and speed of implementation.”
Celent
“Cogitate Digital Insurance solution has enabled us to extend our channel reach. This powerful platform has helped us become more competitive by improving our speed to market & customer experience. Additionally, we have experienced a significant decrease in our cost structure. I highly recommend Cogitate as we’ve experienced their expertise in insurance and technology.”
Insurance House
“Cogitate Digital Insurance has helped us to digitalize our personal property lines business and build an omni-channel ecosystem for our channel partners to connect with us seamlessly. We currently are writing policies for Homeowners and Mobile Home insurance through this platform. It is integrated with our existing systems including AIM and ImageRight. This allows our agents and underwriters to easily access the required information whenever they need. It is full of brilliant features such as ‘Quote in a Minute’, Customer E-signature verification, Post-sale Services workflow and built-in Property Analytics tools. Personal Property insurance platform has quickly become one of the pillars of our digital business initiatives.”
Insurance House
“Cogitate Demand Management solution has so many features and benefits. We have significantly enhanced control over attorney demand claims exposure with this software. Demand Management solution helps us to ensure that no demand or a subsequent deadline is missed which can lead to bad faith. This is truly ‘sleep insurance’ for me when it comes to attorney demand letters. It’s an incredibly valuable tool for me as the Claims Vice President.”
Southern General Insurance Company
Automated Claim Assignment Process
Insurance companies need a considerably long time to manually identify and assign an adjuster to a claim request. Digitally assigning an adjuster to a claim request helps to significantly reduce both the initial response time and the processing time, to resolve claim requests faster. Cogitate Claims FNOL solution addresses this issue and is equipped with a built-in round-robin mechanism with rules to quickly identify and assign adjusters to reported claims. It automates and streamlines work by ensuring that incoming claims are evenly distributed among adjusters for faster resolution times and a better customer experience.
Claim Listing and Filing
- Lists all claims at different phases of the FNOL process
- Integrated with the insurer's policy administration system for retrieving policy-related information
- Supports multiple claim reports for the same claim
- Integrated with third-party providers to retrieve vehicle information based on VIN
Adjuster Assignment
- Automated claim assignment to adjusters based on information stored in client's claims management system
- Capable of manually assigning an adjuster to override an automated assignment
- Adjusters can be internal or external and even located at multiple locations
Integrated Mobile App
- Easy-to-use mobile application allows the capture and submission of various claims-related documents, including photos, police reports, and more
- Can be integrated with third-party service providers for automated claims settlement of smaller claims, e.g., glass repair shops can assess and settle 'glass only' claims without adjuster involvement
Interested in learning more about our First Notice of Loss?
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