The agent supports emergency claim intake across all major peril types: auto accidents, property damage from fire or weather events, bodily injury and medical emergencies, theft and burglary, liability incidents, and natural catastrophe events like hurricanes and flooding. It dynamically adjusts its intake flow based on the type of emergency the policyholder reports, collecting the specific data fields relevant to that peril type rather than running through a generic form.

The agent scales to handle thousands of simultaneous claim submissions without degradation in response time or data quality. During CAT events when call centers experience hold times of 45 minutes or more, the AI agent provides immediate intake capacity. It processes each claim with the same structured rigor regardless of volume, ensuring your CAT response team receives clean, actionable FNOL files rather than hastily transcribed phone notes.

Yes. Tars connects to Guidewire, Duck Creek, and other claims platforms through Zapier and webhook integrations, alongside native connections to HubSpot, Salesforce, and Zendesk. Claim data captured by the agent maps directly to your claims system's FNOL intake fields, so adjusters see a structured, complete file without manual re-entry or reformatting.

Tars is SOC 2 Type 2 certified, ISO certified, and GDPR compliant. All policyholder data — including personal information, medical details, and incident descriptions — is encrypted in transit and at rest. Role-based access controls ensure only authorized claims personnel can view submitted information. Full audit trails are maintained for regulatory compliance and errors-and-omissions defense.

Yes. The agent prompts policyholders to upload photos of damage, medical records, police reports, witness statements, and any other supporting documentation directly within the conversation. It can request specific types of evidence based on the emergency type — for example, asking for multiple damage angles for property claims or medical treatment summaries for injury claims. All uploads attach to the claim record and route to your claims system alongside the structured data.

The agent's injury severity triage evaluates each claim for escalation triggers: hospitalization, serious bodily injury, fatality involvement, suspected fraud indicators, or total loss scenarios. When these triggers are detected, the agent completes the essential data capture and immediately routes the claim to a designated adjuster or claims supervisor with a priority flag. The policyholder is informed that a human representative will contact them within a specific timeframe.

For standard FNOL intake and data collection, the agent handles 80-90% of emergency claim submissions autonomously. Industry data confirms that 80% of inbound insurance queries are routine enough for automated resolution. Complex scenarios — disputed liability, multi-party incidents with conflicting accounts, or claims requiring immediate field inspection — are captured thoroughly by the agent and escalated with all collected data, so the adjuster starts with a complete file rather than a blank screen.

Policyholders filing emergency claims are in distress and expect immediate responsiveness. An AI agent eliminates hold times, provides instant acknowledgment, and is available at the moment the emergency occurs — not the next business day. Industry data shows 83% customer satisfaction with chatbot interactions in insurance. For emergency claims specifically, the combination of 24/7 availability, instant confirmation, and clear next-step communication addresses the anxiety that otherwise drives repeated calls to your claims center during the days following an incident.