VSK introduced artificial intelligence in the process of online settlement of insurance cases under CASCO

2021: Introduction of AI

On December 1, 2021, the FRC announced the introduction of artificial intelligence for the automatic recognition of damage in the process of online settlement of insurance cases by helmet. The technology is already working, gradually it will become available to all insurers who have updated the VSK insurance mobile application. The service allows you to reduce the speed of receiving a direction for repair from 7 days to two hours after fixing an insurance event online. The first direction for repair as part of the registration of accidents with the help of AI was issued on November 16.

At the first stage, the AI recognizes parts of the car from the photo, compares them with the reference outline of the car without damage, and using a special algorithm identifies deformed sections of the car, and also determines the place and type of damage - scratch, chipping, dent, and so on. Further, the technology for each damaged part quickly selects the repair format: repair or replacement of the part.

At the last stage, the system issues a conclusion to the insured with a list of damages, and after processing the application, the insured automatically receives the formed direction for repair

In the future, the use of artificial intelligence technology together with other digital services of the company will allow the policyholder to go to a selected technical center at any convenient time, even immediately from the scene of an accident. In addition, artificial intelligence will be able to predict work on hidden damage, which practically eliminates the error in determining the size of the loss.

The introduction of AI technology in the settlement process is a landmark event for both the company and the industry as a whole. If artificial intelligence technologies themselves are already being introduced everywhere, then the main task that the management of companies faces is to restructure the processes taking into account the new technology. It is no longer possible to work in the old way. And this is a serious work not only within the company, but also with all players in the car market: Maintenance stations, experts, car dealers. - Olga Sorokina, member of the Board of Directors, Deputy General Director for Business Development of the Insurance House of VSK noted. - The fact that such an opportunity is given directly to our client in the mobile application is a continuation of the strategy of development of remote services. More than 60% of our customers choose remote settlement.

This digital solution allows us to rethink the settlement process itself, to implement the service without human participation. The process of issuing an insurance case plays a decisive role in the formation of customer loyalty, therefore our goal is to increase the quality, speed of the service provided when settling losses, as well as make it as simple and convenient as possible, "added Artem Korol, Deputy General Director for Loss Management of the Insurance House. - AI technologies open up additional possibilities for FRS in other directions. We began a pilot project for customers with casco policies, in the future we see huge potential in the OSAGO segment. The use of artificial intelligence will speed up, simplify OSAGO processes and improve customer experience in this most current segment of auto insurance.