OutSystems recently expanded its Agentic Industry Solutions portfolio into the insurance sector with Agentic First Notice of Loss. This ready-to-go solution will help auto insurers streamline claims intake with safe automation. Customer applications, AI agents and claims systems are all integrated, meaning that every Policyholder interaction is transformed. All whilst maintaining full oversight from humans and compliance throughout.
Many insurance carriers are investing in AI; however, they are struggling to get beyond proof of concepts. The OutSystems State of AI Development in Insurance 2026 report shows that 35% of Insurance IT leaders are delaying the launch of their AI solutions due to long timelines. 42% say they’re held back due to legacy systems and data silos, whilst 39% face challenges with integrating systems. Often this results in Policyholders being asked the same questions due to the lack of integration, causing frustration. In 2025, research by InvoiceCloud shows that 83% of U.S. consumers would switch insurers following a bad claims experience.
“Insurers don’t need another AI pilot. Insurers need AI working in daily claims operations,” said Luis Blando, Chief Product and Technology Officer at 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.”
Bringing Governed AI Into the Claims Experience
Essentially, Agentic First Notice of Loss equips insurers with a ready-to-deploy solution for reporting vehicle losses. It operates seamlessly across both legacy core systems and platforms rebuilt on OutSystems. Specifically, the platform unites customer apps, data models, governed agents, and structured workflows to streamline three critical areas:
- Support Loss Reporting: AI agents guide the Policyholder through intake, coordinate Honk roadside dispatch, capture driver statements, and analyze damage photos immediately.
- Deliver Adjuster Insights: AI agents verify policy coverage and open claims directly inside the carrier’s core system with attached evidence.
- Protect Human Judgment: Systems log every AI action under strict access controls, while human adjusters retain all coverage, fault, and payment authority.
Moreover, insurers can customize business rules, user screens, and agents using OutSystems tools or third-party AI coding assistants. Meanwhile, task-level testing lets engineering teams continuously benchmark models for optimal speed, accuracy, and operational cost.
“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, CIO at 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.”
Expanding Claims Capabilities Through Roadside Assistance with Honk
Through a strategic partnership with roadside technology provider Honk, the platform arranges immediate towing during loss reporting. Consequently, a Policyholder can track tow truck status and arrival times directly within the insurer’s mobile app.
“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, CEO, 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.”
Finally, OutSystems also released the Insurance Agent Kit on OutSystems Forge to accelerate carrier adoption. Through this toolkit, insurers access reusable AI agents that verify Policyholder coverage and read claim documents. Ultimately, this unified approach elevates Policyholder trust while keeping critical financial decisions firmly with human experts.
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News Source: Businesswire
