Soft-tissue claims aren't soft
Auto BI is the highest-volume litigated line in P&C, where treatment patterns, attorney timing and provider networks decide outcomes more than the impact. Owl reads the police report, the dashcam, the demand and every record on intake, and matches it to PIP-mill patterns and venue verdicts.
28 mph
Impact speed
3.2s
Insured stopped before impact
$182K
Demand 81% over venue cohort
Powerful AI agents on an Auto BI loss.
One loss: a stopped vehicle, a $182K demand, a venue with a verdict pattern.
Anonymized composite: rear-impact at city intersection, single claimant with represented PIP-mill treatment pattern, demand received 11 weeks post-DOL.
External data only. None of this lives in your CMS. Owl gathered it from public records, professional networks, registries and the open web, then resolved it to this claimant.
ISO ClaimSearch returns 3 prior BI claims on the same claimant: 2019 ($14K, NJ, soft-tissue), 2021 ($22K, AZ, cervical strain), 2024 ($31K, AZ, lumbar strain). All three involved soft-tissue cervical/lumbar treatment with the same provider network. None disclosed in current FNOL or recorded statement.
HL7 records exchange (with claimant authorization at PIP intake) returns prior MRI 2023-11 showing C5-C6 disc degeneration with chronic radiculopathy diagnosis. Treating physician for current claim documents same C5-C6 finding as “acute trauma-induced.” Apportionment opportunity: 60-70% pre-existing.
Treating chiropractor and pain-management provider share billing entity, common ownership and a referral pattern observed in 142 prior litigated BI claims in this venue. Average billing pattern: 14-18 PT visits + epidural injection at week 8. This file follows the pattern within 1 visit and 3 days.
Counsel has 47 BI matters in Maricopa County in last 36 months. Median settlement-to-demand ratio: 0.18. 38 of 47 resolved sub-$30K despite avg demand of $148K. Three taken to verdict: two defense verdicts, one $42K plaintiff verdict on a 0-comparative left-turn fact pattern.
Claimed wage loss $14,200 over 9 weeks. IRS 4506-T (with claimant authorization) returns W-2 income $31,400 prior year and 1099 income $8,200 same year. Claimed weekly rate of $1,578 is inconsistent with documented earning history of $760/wk. Wage-specials reduce by ~52% on documented basis.
Materially below demand. Liability is clean (insured stationary 3.2s pre-impact, dashcam + CCTV synced), so the comparative argument is closed. Damages exposure is the question. ISO ClaimSearch returns three prior BI claims with the same provider-network pattern; HL7 records show C5-C6 degeneration MRI 18 months pre-DOL with chronic radiculopathy diagnosis, contradicting the treating physician’s “acute trauma” attribution. Combined with the PIP-mill billing fingerprint and plaintiff counsel’s 0.18 settlement-to-demand ratio in this venue, recommended initial reserve $28,500 against $182,400 demand. Floor $14K (specials only), ceiling $52K (full PT + ER + apportioned MRI). Authority to settle by mediation.
Apportion 65% pre-existing. Pharmacy fill history shows gabapentin scripts active 18 months pre-DOL: chronic neuropathic pain treatment inconsistent with “asymptomatic prior to accident.” Prior MRI 2023-11 shows C5-C6 disc bulge 4mm with mild foraminal narrowing. Post-DOL MRI 2025-09 shows C5-C6 disc bulge 4.5mm, a 0.5mm progression within imaging-protocol margin of error. Treating physician’s “acute trauma-induced” finding is contradicted by the prior imaging. Apportionment: 65% pre-existing, 35% acute aggravation. Net specials reduce from $84K to ~$29K on apportioned basis under venue case law.
What the world says about your Auto BI claimants, none of which lives in your CMS.
Internal claim data is half the picture: it tells you what the claimant told you. OwlSignal continuously gathers external data (public records, professional and corporate registries, court dockets, social and open web) and matches it back to the claimant. These are the families that move the needle on Auto BI.
Cross-carrier claim history via ISO ClaimSearch and NICB ForeWARN. Returns prior BI, PIP and UM claims on the same claimant across all participating carriers: the data your CMS will never have.
External EHR pulls and HL7 exchanges that surface diagnoses, treatments, prior imaging and pharmacy fill history the demand letter does not disclose. Reframes apportionment from a debate to a documented fact pattern.
NPPES provider registry, CMS billing graphs, common-ownership analysis and PIP-mill pattern detection. Identifies the referral fingerprints that distinguish legitimate care from billing schemes.
Plaintiff-bar matter history, settlement-to-demand ratios, jurisdictional verdict-history graphs and demand-letter fingerprinting. The data on the other side that decides reserve and authority.
IRS 4506-T income reconstruction, state UI wage records, 1099 reconciliation, employer payroll filings. Closes the gap between claimed wage-loss and substantiated earning capacity.
Vehicle telematics, EDR/CDR (event data recorder) pulls, traffic CCTV, dashcam time-sync. Reconstructs the loss to the second so liability and impact severity stop being opinions.
Numbers from P&C carriers running Owl on Auto BI in production.
Built for the regulatory shape of Auto BI.
Lives where your Auto BI files live.
Claim systems
Guidewire ClaimCenter, Duck Creek, Origami, Snapsheet, in-house
Estimating
CCC ONE, Mitchell, Audatex, Xactimate (subro)
Records exchanges
Datavant, MRO, Verisma, Ciox, HL7 partners
Industry data
ISO ClaimSearch, NICB ForeWARN, LexisNexis, TransUnion TLOxp
Document intake
Box, OnBase, Documentum, ImageRight, Kofax
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM provisioning
Bring us a closed Auto BI file. We’ll show you the ISO match, the prior MRI and the venue verdict pattern you missed.
Two-week pilot. Your records, your tenant, your ISO carrier-of-record. We measure cycle time, reserve accuracy, ISO + apportionment catch-rate and indemnity leakage against your own ground truth.