OutSystems launches AI claims tool for auto insurers

OutSystems has launched Agentic First Notice of Loss for auto insurers, extending its Agentic Industry Solutions portfolio into insurance.

The prebuilt system is designed to manage the early stages of a claim after an accident by linking customer-facing applications, AI agents and existing claims systems. It is intended to help insurers modernise claims reporting and intake without shifting decisions on coverage, liability or payments away from human adjusters.

The product works with both existing claims platforms and systems rebuilt on OutSystems technology. It can help policyholders report a loss, gather statements and third-party details, analyse submitted damage photos, check policy coverage and open a claim in the carrier's claims platform through an integration layer.

OutSystems is targeting a part of the insurance process where legacy systems and disconnected data often slow customer response. It cited its State of AI Development in Insurance 2026 report, which found that 35% of insurance IT leaders said AI projects had not started because they took too long, while 42% pointed to legacy systems or scattered data as the main barrier and 39% cited integration with existing systems.

Claims handling has become a pressure point for insurers because information is often spread across policy administration, claims management, billing and third-party platforms. As a result, customers may have to repeat information across several interactions and wait longer for support after an accident.

OutSystems also cited research from InvoiceCloud showing that 83% of US consumers said they would switch insurance carriers after a poor claims experience. It is positioning the product as a way for insurers to respond more quickly at the first point of contact while keeping formal claims decisions with staff.

"Insurers don't need another AI pilot. Insurers need AI working in daily claims operations," said Luis Blando, Chief Product and Technology Officer, OutSystems.

"When someone is in an accident, they need help right away, and the insurer needs accurate details while they're still fresh. OutSystems Agentic First Notice of Loss delivers both. Through a conversational experience connected to roadside help and claims systems, insurers can become the first line of support, taking the complete report, arranging a tow and guiding the customer on what to do next. All while coverage, liability and payment decisions stay firmly in the hands of adjusters," said Blando.

Governed workflows

According to OutSystems, the system records AI agent actions and applies controls over access to data and connected systems. Adjusters remain responsible for decisions on fault, coverage and settlement, while insurers can alter business rules, user interface screens and agents to fit their own operations.

Teams can also use task-level testing to compare models on accuracy, speed and cost. OutSystems is offering the product on what it describes as a production-ready foundation, with support for both its own tools and third-party AI coding products.

Analysts and suppliers across insurance technology have increasingly focused on "agentic" systems that can carry out multistep tasks across several software environments. For insurers, the appeal lies in reducing manual handoffs in customer service and claims intake while preserving audit trails and human oversight for regulated decisions.

PRISM Chief Information Officer Tom Pelster said the approach showed how insurers could build new processes on top of existing core systems rather than replacing them outright.

"OutSystems Agentic FNOL shows where the industry is headed. Governed AI agents tap into existing core systems in real time to orchestrate incident intake and sort the evidence," said Tom Pelster, Chief Information Officer, PRISM.

"It proves that modernization doesn't mean you throw out your platforms and systems of record. You build smarter workflows on top of them, and the critical liability and coverage decisions stay firmly with human adjusters," said Pelster.

Roadside link

As part of the launch, OutSystems has partnered with roadside assistance provider Honk. Through that connection, the system can arrange a tow while a policyholder is still reporting an incident, then let the customer track status and estimated arrival time through the insurer's app.

The integration also allows the AI agent to present nearby in-network repair shops as part of the process. That adds a service layer to claims intake by combining incident reporting with practical roadside assistance.

"The moments after an accident are when a driver finds out whether their insurer is there for them. With OutSystems Agentic First Notice of Loss, the driver reports what happened in a chat with an AI agent, and that agent coordinates in real time to dispatch a tow from Honk's nationwide network of towing and roadside assistance providers on the carrier's behalf," said Adam DeWitt, Chief Executive Officer, Honk.

"The agent first offers the carrier's closest in-network repair shops to give the driver a clear next step. That's where this technology matters: making a stressful moment easier for the person who needs help," said DeWitt.

Alongside the product, OutSystems is also making available an Insurance Agent Kit with reusable AI agents for checking policy coverage and reading claim photos and documents.

Agentic First Notice of Loss is generally available.