AI Voice Agents for Auto Insurance

Driver just got into a fender bender and needs help.

"AI provides calm guidance: "I'm here to help. First, let's make sure everyone is safe. Is anyone injured? If so, please call 911 immediately. If everyone is okay, here's what to do: Step 1 - Safety first: Turn on your hazard lights and move to a safe location if possible. Step 2 - Exchange info: Get the other driver's name, phone, insurance company, and policy number. Take photos of their license and insurance card. Step 3 - Document the scene: I'll walk you through taking photos - get the overall scene, damage to both vehicles, license plates, and any road conditions or signs. Step 4 - File a police report: For accidents with any injury or significant damage, call the police. The report number will help your claim. I've already started your claim with the information you've provided. Your claim number is AU-2024-98765. Would you like me to find the nearest approved body shop, or would you prefer a tow to your regular mechanic?""

Policyholder wants to know if they're covered for a rental car while traveling.

"AI checks policy details: "Great question! Let me check your auto policy for rental car coverage. Looking at your policy ending in 4521... Yes, you have rental reimbursement coverage! Here's what it covers: Your policy pays up to $40 per day for a rental car while your insured vehicle is being repaired due to a covered claim. Maximum coverage period is 30 days. Important notes for your trip: This coverage kicks in AFTER a covered claim - it's not general travel rental coverage. If you're renting a car for vacation, your liability and collision coverage DO extend to rental cars in the US and Canada. That means you can decline the rental company's insurance. However, I'd recommend considering: Rental companies sometimes charge high deductibles. Your policy deductible ($500) would apply to any rental car damage. For extra peace of mind, you could add our rental car damage waiver for $5/day. Would you like me to add temporary rental coverage for your trip dates, or do you have other questions about traveling with your coverage?""

Policyholder bought a new car and needs to add it to their policy.

"AI handles the change: "Congratulations on your new car! Let's get it added to your policy right away. What's the year, make, and model? 2024 Toyota Camry - excellent choice! I'll need the VIN to add it - you can find it on your purchase paperwork or on the driver's side dashboard. VIN received: 4T1B11HK5RU123456. I've verified this is a 2024 Camry LE. Here's your updated coverage: Your new Camry will have the same coverage as your other vehicle: $100K/$300K liability, $50K property damage, collision with $500 deductible, and comprehensive with $500 deductible. Premium impact: Adding this vehicle increases your monthly payment from $125 to $198 ($73 increase). However, I found some savings: Multi-car discount now applies: -$15/month. New car safety features discount: -$12/month. Net increase: $46/month. Your new monthly total: $171. Want me to finalize this change effective today? I can also send you temporary insurance cards for the new vehicle immediately.""