DingGo launches AI motor claims platform for insurers

DingGo has launched MotorClaimPro, an artificial intelligence platform for motor claims management aimed at insurers and claims administrators handling third-party motor claims.

The Australian company says the system focuses on outbound recoveries and inbound demands, two areas of motor insurance that often sit alongside broader claims platforms rather than within specialist motor workflows.

MotorClaimPro is designed to work with existing claims systems, including Guidewire, Wilbur and Five Sigma, rather than replace them. Claims can be routed into the platform for liability, third-party and settlement management, with the final outcome, including payments and an audit trail, returned to the main claims system.

The software is intended to address claims leakage, which DingGo estimates at 5% to 10% of total claims value. Leakage can arise from missed follow-ups, inconsistent data entry, unrecovered costs and settlements that are not fully pursued.

Workflow focus

The platform uses AI to classify documents, produce liability summaries based on local road rules and generate photo-based repair estimates for comparison with submitted quotes and images. It also includes step-by-step playbooks for recoveries and demand management, task management tied to service requirements, and separate workbenches for inbound demands and outbound recoveries.

Automated communications by email, SMS and letter can follow a claim through its lifecycle. Scheduled communications are cancelled automatically if a customer enters financial hardship.

Josh Sandford, Co-founder and Chief Product Officer at DingGo, said third-party motor claims remain difficult to administer even as insurers digitise much of the broader claims process.

“Insurers have invested enormously in digitising claims, but third-party motor claims remain incredibly complex to administer,” Sandford said.

“You have liability decisions, recoveries, demands, negotiations, repair costs, rental costs, tax treatments, multiple parties, financial hardship cases and potentially litigation all moving through the same claim.

“Generic claims platforms do an excellent job as systems of record, but they were designed to manage general insurance, not specialise in motor workflows. We built MotorClaimPro in response to customer demand so it could sit alongside those systems and do that specialist job extremely well.

“The idea is very simple: don't replace the technology an insurer already relies on. Plug in a specialist motor claims layer that can automate repetitive work, guide claims teams through complex decisions and make sure every dollar and every action is accounted for.”

Leakage issue

DingGo says the platform treats each claim as both a financial and an operational workflow. It records individual cost types, legal and service fees, rental-related fees and payment plans, and supports tax treatments across multiple markets, as well as total-loss write-offs and multi-party incidents.

The system can also extract totals from financial documents and populate cost fields automatically. It supports multiple currencies and accounting export formats for use with software such as Xero and MYOB.

Sandford said the goal was to make specialist motor claims knowledge more consistent in day-to-day operations.

“A big challenge in claims is that the quality and consistency of an outcome can depend on the experience of the individual managing it.

“We want the expertise to live in the system while remaining customisable to each client. That means an operator can manage a high volume of claims consistently and efficiently because MotorClaimPro guides them through what needs to happen next, what information they need and when something needs to be escalated.

“For insurers and TPAs, that creates an opportunity to increase claims capacity without simply adding more people.”

DingGo is positioning the software for insurers, underwriting agencies, third-party claims administrators, corporate and government fleets, rental fleets and brokers with large or complex motor portfolios. Its API-based architecture is intended to limit disruption for organisations that want to add specialist tools without replacing core systems.

The launch reflects a broader pattern in insurance technology, with specialist providers seeking to fill gaps in claims handling rather than compete directly with incumbent record-keeping systems. In motor claims, those pressure points often include liability assessment, negotiation with third parties, scrutiny of repair and rental costs, and the handling of disputes involving multiple participants.

Sandford said many losses in claims handling stem from small decisions rather than a single major error.

“Claims leakage isn't necessarily one enormous mistake. It's often hundreds or thousands of small decisions, missed follow-ups, data entry inconsistencies, unchallenged costs or recoveries that weren't pursued as effectively as they could have been. If you can structure those processes, automate the routine work and make every financial decision visible, you have an opportunity to materially change the economics of a motor claims portfolio,” he said.