ElevateNow transforms FNOL processing across Workers Compensation, Auto, and Property by encoding institutional knowledge into governed, audit-ready intelligence. Your adjusters get sub-file routing, multi-party liability analysis, and subrogation screening in minutes, not hours.
Your adjusters spend 60–90 minutes per FNOL manually extracting data, researching jurisdiction rules, assessing compensability or liability, detecting fraud indicators, identifying subrogation potential, calculating reserves, and determining authority routing. That's 60–90 minutes of institutional knowledge application that happens inconsistently, leaves no audit trail, and can't be defended under scrutiny.
The core issue isn't speed, it's consistency and governance. When compensability assessments, liability determinations, and authority routing depend on individual adjuster judgment with no documented reasoning, you can't scale quality. You can't defend decisions. You can't improve systematically.
Workers Compensation, Auto, and Property aren't just different data schemas, they're fundamentally different analytical frameworks. Compensability vs. liability. Single claim vs. sub-file architecture. Employer defenses vs. comparative negligence. ElevateNow encodes these domain-specific frameworks, not generic AI extraction.
AOE/COE analysis across 50 states, employer defense screening (intoxication, horseplay, willful misconduct), benefit calculation (TTD/PTD/PPD rates by jurisdiction), OSHA trigger detection, and third-party equipment/premises liability identification.
Single FNOL spawns multiple sub-files: first-party collision/PIP, third-party bodily injury (per claimant), adverse exposure tracking, property damage claims. Liability analysis with comparative/contributory fault allocation. No-fault vs. tort state rules. Municipal/product liability screening.
Weather event correlation, coverage applicability by peril (wind, hail, flood, fire), valuation methodology (ACV vs. RCV), additional living expense calculations, ordinance and law endorsements, and concurrent causation doctrine application.
Most claims automation uses generic AI to extract data and hopes for the best. ElevateNow encodes your institutional knowledge, 50-state jurisdiction rules, fraud indicator patterns, subrogation theories, authority thresholds, and applies them consistently to every claim with complete audit trails. Every decision is deterministic and referenceable.
ElevateNow processes every FNOL through nine analytical stages, each applying specific institutional knowledge and business rules. Results are deterministic and referenceable, the same inputs always produce the same analysis with complete documentation of reasoning.
Extracts structured information from FNOL documents (PDFs, emails, transcripts). For Auto claims, determines required sub-files (collision, bodily injury per party, PIP, rental).
Applies state-specific rules: Workers Comp benefit rates and filing deadlines, Auto fault systems (comparative vs. contributory negligence), no-fault PIP requirements.
Identifies relevant institutional knowledge based on claim characteristics, jurisdiction-specific case law, coverage interpretations, benefit calculation rules.
Workers Comp: Compensability assessment with confidence score. Auto: Liability determination with fault allocation. Both produce documented reasoning for their conclusions.
Screens for sensitive indicators: fraud patterns, attorney involvement timing, delayed reporting, inconsistent statements, phantom passengers (auto), staged collisions.
Evaluates recovery potential against five liability theories. Identifies responsible third parties, estimates recovery amount, documents evidence preservation requirements.
Workers Comp: Benefit calculation based on average weekly wage and jurisdiction rates. Auto: Damage estimates plus bodily injury exposure per claimant. Produces tiered scenarios.
Evaluates confidence scores, fraud indicators, reserve amounts, and subrogation potential against explicit thresholds. Routes to auto-accept, senior review, or investigation with documented logic.
Assembles all upstream analysis into a structured briefing: executive summary, recommended actions, compliance deadlines, complete decision trail with knowledge references.
The platform delivers time savings and capacity improvement, but the real value is quality improvement: consistent application of institutional knowledge, early identification of subrogation potential, systematic fraud detection, and defensible decision trails that hold under regulatory audit.
FNOL intake, jurisdiction resolution, analytical assessment, indicator screening, reserve calculation, subrogation identification, and authority routing, all completed in minutes. Adjusters investigate claims, not data entry forms.
Every compensability/liability assessment, indicator detection, reserve calculation, and authority decision documented with explicit reasoning, knowledge citations, and confidence scores. The complete trail exists when litigation or audit arrives.
50-state jurisdiction rules, fraud taxonomies, subrogation theories, authority thresholds, applied consistently to every claim. No variation by adjuster experience or risk tolerance. Best practices become automated practice.
12 sensitive indicators detected with standardized taxonomy across WC and Auto. Attorney pre-retention, delayed reporting, phantom passengers, staged collisions, witness conflicts, pattern recognition happens systematically.
Five liability theories (negligence, product, premises, motor vehicle, municipal) applied to every claim. Third parties and responsible parties identified at intake, not months later after evidence spoliation. Municipal liability (traffic signals, sidewalks) systematically screened.
Single Auto FNOL spawns multiple sub-files automatically: first-party collision/PIP, third-party BI (per injured party), adverse exposure tracking, property damage, rental. Each routed correctly based on coverage and liability analysis.
The platform has been validated against reference claims representing the full spectrum: WC chemical exposure with third-party equipment liability, Auto multi-vehicle collision with municipal signal malfunction, and cross-LOB subrogation scenarios where Auto collision spawns WC claims for commercial drivers.
Scenario: TCE vapor release, 3 affected employees, one hospitalized. Equipment seal failure on degreasing unit serviced 32 days prior by manufacturer.
Analysis: Catastrophic indicator (hospitalization) + OSHA trigger + third-party equipment liability identified → manufacturer PVS added to subrogation screen. Evidence preservation checklist auto-generated: gasket, service records, maintenance contract, 311 reports.
Scenario: 3-vehicle intersection T-bone. Traffic signal malfunctioned for 24+ hours. City had 311 complaints but dispatched no repair crew. 2 hospitalized, attorney retained within 24 hours.
Analysis: 7 sub-files spawned (PD-COLL, PIP, BI × 2 attorney-rep'd, RENTAL, SUBRO-CITY, SUBRO-conventional). Municipal liability flagged via FL Statute §316.0745. Comparative fault allocated: at-fault driver 60–70%, City 30–40%, our insured 0–15%.
Scenario: Delivery driver in company vehicle rear-ended at red light. Driver sustains cervical strain requiring 6 weeks off work. Auto claim filed under commercial policy. WC claim filed for lost wages.
Analysis: Platform detects both Auto and WC exposure from single incident. Auto liability analyzer determines clear third-party fault. WC compensability analyzer confirms AOE/COE. Subrogation screener identifies at-fault driver's carrier for recovery against WC indemnity payments. Cross-LOB coordination flagged.
See how ElevateNow's Multi-Line Claims Intelligence Platform delivers governed, audit-ready analysis across Workers Compensation, Auto, and Property while reducing FNOL processing time by 85%+.