OBAI provides a cloud‑based platform that enables policyholders to capture vehicle damage images with a smartphone, uses AI to classify damage and generate standardized, auditable scope sheets, and shares the results with adjusters and repair shops for review and export. The solution offers real‑time media organization, role‑based access, and carrier‑ready reports without requiring on‑premise hardware or custom integration, helping P&C insurers reduce manual effort and claim cycle times.
Funding
Funding not disclosed
Founders
Product
Problem
Insurance claims involving vehicle damage often require multiple manual steps—policyholder photo submission, adjuster review, and repair shop estimation—leading to long cycle times, high operational costs, and misaligned information across parties.
Solution
OBAI offers a cloud‑based platform that streamlines the entire claims workflow. Policyholders capture photos or video with any smartphone, which are uploaded instantly to the system. Proprietary AI models analyze the media, classify damage types, and generate a consistent, auditable scope sheet. Adjusters and repair shops can review the AI‑derived assessment, make quick edits, and export the scope sheet for estimate writing or carrier submission. The platform operates without specialized hardware or extensive IT integration, enabling insurers to handle surge volumes while maintaining accuracy and reducing manual effort.
Target Audience
The primary users are property‑and‑casualty insurers, claims adjusters, independent appraisers, and auto repair shops that need a unified, automated solution for vehicle damage assessment and scope sheet generation.
Features
- Mobile capture interface with guided prompts to ensure usable images from any smartphone or tablet
- AI‑driven damage detection and classification that produces standardized, defensible scope sheets
- Real‑time organization of media and annotations in a single cloud workspace accessible to all claim participants
- Exportable, carrier‑ready reports in common formats (PDF, CSV) with versioned audit trails for compliance
- Role‑based access controls and end‑to‑end encryption to protect claim data across devices
- Out‑of‑the‑box deployment: no on‑premise servers, installations, or custom integrations required
- Scalable architecture that supports handling from a few to thousands of concurrent claims during surge events