Motor
Documents validated on arrival, and small accidents settled on rules instead of a queue.
Police accident reports + Approved garage and repairer quotes
Where it breaks today
A claim needs a police report, a garage quote and photographs.
A claim needs a police report, a garage quote and photographs. Each arrives separately, on a different day, from a different party.
A minor fender-bender takes the same review path as a total loss. The small claim waits behind the large one.
Inflated quotes and staged accidents are hard to spot when the only evidence is a PDF someone emailed in.
Disputes run long because nobody can show what was decided, on what evidence, and when.
What AXK does
Documents are validated as they arrive. A quote missing a line item or a report missing a reference number is rejected at the door, not three weeks later.
A rules engine handles small accidents end to end: cover in force, damage inside the threshold, documents complete, approve.
Repair quotes are scored against the vehicle, the damage described and the garage history. Outliers are flagged for a human.
Partial payouts release against the part of the claim that is already proven, so the undisputed amount does not wait for the disputed one.
What it reads from
- Police accident reports
- Approved garage and repairer quotes
- Insurer policy and cover registers
- Mobile money and bank settlement rails
How it settles
The policyholder or the garage is paid directly over mobile money or bank transfer.
The policyholder or the garage is paid directly over mobile money or bank transfer. Partial settlement is a first-class state, not an exception someone processes by hand.
The other lines
One engine, every line of insurance.
Building on motor claims?
Tell us what the claim looks like today and what evidence you already have. We'll tell you honestly whether AXK's rules engine is a fit.