Processes

Make claim judgements

How make claim judgements are reshaped as AGI capability advances.

ProcessesMake claim judgements
Make claim judgements — illustrated

The bottom line

About 65% of the work in Make claim judgements is information-shaped and increasingly AI-deliverable, with the rest a hybrid of judgment and hands-on work. The automation frontier runs straight through the middle of this role.

Why: With no child occupations seeded for this composite, the scalar relies on the process name and its industry anchor. The 'Direct Property and Casualty Insurance Carriers' industry carries a hybrid-trending-digital prior (~0.6) reflecting a mix of paper, desk, and field claims work. The specific process of making claim judgments is fundamentally cognitive information processing, pushing it to the upper edge of the hybrid band.

grounded in the economy graph · digital scalar 0.65 · hybrid

Business-as-Code

Read as an executable program — the work decomposed into Code, Generative, Agentic, and Human.

Make claim judgements sits inside a larger value-flow — 1 parent structure it composes into. The hierarchy is grounding, not the story: it tells you which aggregate exposure Make claim judgements inherits.

Where Make claim judgements sits

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Recent capability events

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How the work flows

Trigger: A fully investigated claim file, including loss reports and supporting evidence, is queued for a final determination.

  1. Review the compiled claim file and investigation reports
  2. Verify policy coverage limits, deductibles, and exclusions
  3. Apportion liability and determine the degree of fault
  4. Quantify total damages based on estimates and evidence
  5. Formulate the settlement amount or denial rationale
  6. Communicate the final judgment to the claimant

Outcome: A formal decision is issued detailing the approval, partial approval, or denial of the claim along with the final settlement amount.

Measured by

Adjudication Cycle TimeDecision Accuracy RateClaim Appeal RateCost Per Adjudication