BUILDING A MODERN MOTOR CLAIMS SYSTEM FROM THE GROUND UP FOR A POLISH INSURER
Download case studyAbout the Client
A Polish insurance company, part of an international financial services group, was expanding into motor insurance. With no existing claims infrastructure in place, the company needed a comprehensive claims management system built from the ground up.
The challenge
The client sought a technology partner to develop an end-to-end digital claims management system, compliant with local insurance regulations and operational requirements.
As a greenfield project, it faced several key challenges:
- Complete design and implementation of claim processes and IT systems.
- Compliance with Polish insurance regulations, including UFG integration and mandatory reporting requirements.
- Integration with existing policy systems and external assessment platforms.
- High degree of process automation to ensure operational efficiency.
The solution
Adacta implemented AdInsure Claims as the insurer's central platform for motor claims management, delivering a complete, automated, and compliant end-to-end claims process.
The solution includes:
- End-to-End Claims Handling. Complete claims lifecycle management from first notice of loss through accounting, reserves management, recoveries, and legal procedures.
- Claims Financials. Decision document-based calculation approval, reserves management, automated payment order generation and packaging, cash flow management, VAT deduction handling, and postal payment processing, configured for Polish tax and accounting regulations.
- FNOL Processing. Registration of the First Notice of Loss with automated data validation across policy and client management systems, as well as integration with external vehicle data sources.
- Regulatory Compliance. UFG integration for claim reporting and collection of police notes and claims history, mandatory client notifications, and fraud scoring. Management of recoveries and legal proceedings ensures compliance in claims settlement.
- System Integrations. Integration with existing policy and client data systems, Audatex/Autotex and Eurotax for automated assessments and vehicle valuations, and UFG for regulatory reporting and claims history.
- Automation. Automated payment order generation and packaging for near-STP processing, automatic decision document generation and encrypted delivery, FNOL routing with track selection and claims file management, real-time UFG reporting with fraud detection, and automated motor assessment status updates with document transfers from external assessors.
Project results
By aligning AdInsure’s flexible core with market-specific features, Adacta delivered a robust and fully compliant claims management system supporting both MTPL and Auto Casco product lines.
The project delivered a fully operational claims system that enabled:
- Market Entry: The insurer launched its motor insurance business and successfully entered the Polish market.
- Compliance: All regulatory, communication, and reporting obligations are handled automatically and in compliance with local regulations.
- Efficiency: Digitalized workflows and automated payment processing have significantly reduced manual effort and accelerated claims processing times.
- Scalability: The platform architecture supports future product expansion and process improvements.
