New tool aims to help motor insurers to make faster decisions

LexisNexis Risk Solutions has identified a number of data quality and connectivity issues across insurance claims workflows that it aims to address.

Insurers frequently contend with incomplete or inaccurate information at First Notification of Loss (FNOL), leading to delays, rework, misdirected claims and rising operational costs.

Limited early-stage detection capabilities can also make it harder to spot suspicious claims activity before losses escalate.

The company is investing in new solutions to help the industry reduce manual intervention across validation, investigation and damage assessment, while introducing greater automation to streamline claims handling.

Tom Clarke, motor strategy director at LexisNexis Risk Solutions, said: "While pricing and underwriting have become increasingly data-driven, claims handling often still relies on fragmented, reactive processes.

This is a growing problem in motor insurance as claim complexity rises, customer expectations increase and operational pressures intensify. We see a clear market need for richer real-time insight at the point of claim.

Our initial focus areas tackle the biggest priorities for the market right now – third party contact details and validation of windscreen features at FNOL."

Starting with motor insurance claims, LexisNexis Risk Solutions will provide timely, high-quality intelligence throughout the claims journey, from FNOL to settlement.

Through a single API integration, insurers, MGAs and claims ecosystem partners will be able to access a connected suite of data capabilities spanning multiple claims intelligence solutions. The aim is to help organisations move from reactive claims management to proactive decision-making, with more comprehensive insight available at every stage.

At FNOL, richer data will help claims handlers validate information, identify risk indicators and route claims more effectively from the outset. The solutions are also designed to support more consistent decision-making, reduce friction and minimise unnecessary referrals, helping claims progress more smoothly.

Carla McDonald, director of product management at LexisNexis Risk Solutions, said: "The quality of decision-making in the first few minutes of a claim shapes everything: triage, indemnity spend, customer experience and loss ratios. Yet many of those decisions are still made without access to the full picture. By bringing richer, more connected data into the claims journey earlier, we can help insurance providers and their partners make more informed decisions from the outset, reducing the need for rework and helping to get claims right the first time. That means more efficient decisions, fairer outcomes and a more consistent customer experience at the centre of every claim."

The first claims intelligence solutions from LexisNexis Risk Solutions include:

LexisNexis® Claims Datafill – A prefill solution that provides contact details and information on claimants and other involved parties at FNOL, helping insurers pre-populate and validate key third-party information. The result is faster, more accurate claims handling and a smoother customer experience.

LexisNexis® Windscreen Check – Provides VIN-level insight into windscreen features and Advanced Driver Assistance Systems (ADAS), enabling more accurate triage and validation of windscreen claims.

LexisNexis® Vehicle Insights for Claims – Delivers real-time vehicle information at FNOL and triage, including make, model, mileage, MOT status and vehicle valuation data. By reducing manual data capture and providing detailed vehicle insight earlier in the process, the solution helps insurers make fairer, more accurate valuation decisions, speed up triage and reduce downstream errors.

The LexisNexis Risk Solutions claims proposition has been designed not only for insurers and MGAs, but for the wider motor claims ecosystem, including claims management companies, repair networks, credit hire organisations, salvage operators and supply chain partners.

Its single API model allows organisations across the claims network to access the intelligence they need without the complexity and cost of multiple integrations.

For more information, visit LexisNexis Risk Solutions claims intelligence solutions.

LexisNexis® Risk Solutions provides information-based analytics and decision tools that combine public and industry-specific data with advanced technology and algorithms to help organisations evaluate and predict risk, while improving operational efficiency.

Headquartered in metro Atlanta, Georgia, the company serves customers in more than 190 countries and territories and is part of RELX.

Bringing Connected Intelligence to the Claims JourneyFirst Wave of Claims Intelligence SolutionsBuilt for the Wider Claims Ecosystem

About LexisNexis Risk Solutions

LexisNexis® Risk Solutions provides customers with information-based analytics and decision tools that combine public and industry-specific content with advanced technology and algorithms to assist them in evaluating and predicting risk and enhancing operational efficiency.

Headquartered in metro Atlanta, Georgia, the company has offices throughout the world, serves customers in more than 190 countries and territories and is part of RELX.

For more information, please visit LexisNexis Risk Solutions.