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Meet BAIL, the AI-driven motor accident liability assessment tool

Meet BAIL, the AI-driven motor accident liability assessment tool | Insurance Business

Meet BAIL, the AI-driven motor accident liability assessment tool

The three-way partnership between insurance law firm DAC Beachcroft, insurtech Automated Insurance Solutions, and motor repair and claims flow solutions specialist Audatex has brought to life BAIL – an online tool, powered by artificial intelligence (AI), designed to assess motor accident liability with speed, accuracy, and consistency.

Accessed through a secure web portal, the BAIL platform can be used by either a claims handler or the policyholder themselves via the self-service feature. The liability outcome is produced immediately using captured information as well as links to Google Maps and historical meteorological data.

“We wanted to support a machine learning-based solution for the essential and sometimes complicated process of establishing liability – helping claims professionals focus on the cases that require their attention and straight-through processing for those that don’t,” said Audatex product management director Elliot Roberts.

BAIL was developed in conjunction with DAC Beachcroft’s claims research and development hub Innovations Lab.

Commenting on the collaboration, Automated Insurance Solutions chief executive Ben Taylor stated: “Partnering with DAC Beachcroft has offered a fantastic insight to assist our subject matter experts.

“The firm’s unique position within the motor claims sector, wide expertise, and access to data has helped inform our technical team as they ‘teach’ the AI tool the minutiae of the expansive world of UK road traffic liability.”

For DAC Beachcroft partner and Innovations Lab head Peter Allchorne, a key attraction of the liability assessment tool is its simplicity.

“It’s easy and intuitive to use, and the question set is entirely dynamic, only asking what’s relevant to return a quick, accurate, and consistent decision on liability,” he said.