Zero site visits: settling motor claims 8× faster with GaraLens Remote Capture
Client: Mid-size motor insurer (anonymized)
Field adjusters were driving 180–240 km per claim to photograph vehicle damage. Average first-inspection time was 5.4 days from FNOL, fuel and per-diem costs pushed loss-adjustment expense to 11.2% of claim value, and rural claims in winter routinely slipped to 10+ days. Fraudulent staged-damage claims accounted for an estimated 4% of paid losses.
Deployed GaraLens's Guided Remote Capture: once the policyholder confirms the claim link, an on-call appraiser opens a live WebRTC session, guides the customer's phone camera step by step, and every frame is hashed (SHA-256) on-device with GPS + device attestation. Evidence lands in the Court-Ready vault with tamper-evident chain-of-custody — no site visit, no USB drives, no re-shoots.
- First inspection: 5.4 days → 41 minutes from FNOL (8× faster)
- Loss-adjustment expense: 11.2% → 3.8% of claim value
- Field-visit CO₂ per claim: 42 kg → 0 kg (published in ESG report)
- Suspected staged-damage detections: +260% (device attestation + live guidance)
- Customer NPS on the claim journey: 34 → 71
“The appraiser sees exactly what the customer sees, and every photo is signed the moment it's taken. We closed the winter backlog in three weeks without hiring a single new adjuster.”
— Head of Motor Claims, Mid-size motor insurer, DACH region
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