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Auto · PIP & no-fault

Your adjusters decide the claim.
They shouldn’t be assembling the requirement set.

No-fault runs on prescribed timeframes.
Before judgement begins, someone must establish which requirements this claim engages in this state — and check whether the file answers each one.

Outcomer prepares the claim for them.
Your adjuster opens a Case Orientation Report, not a raw file.

What your adjuster opens

A Case Orientation Report instead of a raw claim file.

Every requirement the claim engages — the state no-fault regulation, the verification and denial timeframes, the fee schedule provisions, and your own handling standards — identified for consideration, with the evidence on the file set against each one. It states the position on each requirement. It never reaches the determination.

One requirement, as it appears in the reportIllustrative
A verification request was issued within the prescribed period, and states what is required and from whom.
State no-fault regulation · verification provisions · version in force at date of loss
Evidenced — inferred
A verification request is on the file, dated inside the period. The date of receipt is taken from the claim notes rather than stated on the request itself, so the position rests on inference.
Requirements are prepared this way across eligibility, verification, decision timeframes, fee schedule application and your own handling standards. Each one shows the requirement, its source, and what on the file answers it — or that nothing does.

Two rails, clearly separated. The statutory requirements for the jurisdictions you write in, and your own handling standards alongside them. Your adjuster can see at a glance which findings carry statutory exposure and which are your house rules.

It reports the file, not the adjuster. It states what the record shows and what it does not — never what anyone did or decided.

It can be run at the beginning, and again whenever the claim is updated, to orientate the adjuster. Requirements that did not exist at intake appear with their own deadlines, and evidence that was absent becomes present.


What it returns to the desk

Less manual preparation. More time for the decision.

No-fault statutes set prescribed periods — for acknowledging the claim, for requesting verification, and for deciding once the information is in. Every one of those periods has to be identified before the clock can be managed. Outcomer removes the manual work your adjuster does before judgement can begin — establishing which requirements the claim engages in this state, and checking the file against each one. That time returns to the decision you employ them to make. Judgement minutes are unchanged; every minute saved is preparation.

An estimated 41% less time on each claim —
around 70% more capacity from the same team.

Estimated from a task-level decomposition of a contested or verification-heavy no-fault claim, taking the conservative end of each range and including the time to run and read the report. Judgement minutes are unchanged — the saving is all preparation. These are our figures, not measurements on your claims; we go through the working against your own case timings in the demo.


Configured to your work

Configured to your rule book, and signed off before anything runs.

The statutory requirements for the states you write in, and your own handling standards, loaded alongside them under NDA. Your standards sit in your own configuration only. Nothing derived from them enters the shared regulatory corpus, and no other client’s configuration can draw on them.

The statutory matrix

Every requirement engaged by a no-fault claim in the states you write — the instrument that issued it, the version in force, and the point at which it applies. You review the whole set and sign it off.

Your internal matrix

Your contact standards, authority limits, referral criteria and documentation standards, decomposed into requirements and set alongside the regulation rather than merged with it. You confirm the rendering represents your manual.

Maintenance is agreed at the same time — how the matrix stays current, how you tell us when your own standards change, and how each update is recorded. Requirements are date-gated, so a claim from 2021 is examined against the rules as they stood in 2021.


What changes for the desk

Six things your claims manager sees.

  1. Fewer findings at your next market conduct examination.Nothing applicable is left out, and the record shows it.
  2. More closings per adjuster without adding desks.The capacity comes out of preparation, not out of the time spent deciding.
  3. A new hire works to the same standard as your most experienced adjuster.The same requirements, in the same order, on every claim.
  4. Fewer missed timeframes.Every prescribed period the claim engages is identified before the clock runs, not after.
  5. Fewer reopens, and fewer files back on a supervisor’s desk.The preparation is complete and recorded the first time.
  6. When the auditor asks what was considered, it is already in the file.A dated record on every claim, not the sample they happen to pull.

How it runs

In your estate, against the requirements in force at the time.

An orientation layer that sits alongside your claims administration system. Outcomer does not replace or write to it. It reads the file and states the position; your adjusters decide and update the record. No migration, no change to how claims are administered.

Outcomer deploys as a container inside your own environment. The software and the model run in your estate, and nothing about the claim leaves your tenancy.

Built to fit your claims workflow. Outcomer can operate as a standalone workflow during evaluation, or integrate with your existing claims-management environment so the Case Orientation Report becomes another part of the adjuster’s existing workflow.

Schedule a 20-minute demo and see how it matches your desk’s work.

We will show you a Case Orientation Report produced against a published decision, walk through how the matrix is configured and signed off, and go through the capacity estimate against your own case timings.