Case #2024-08745 motor TPL has the surveyor report completed. Can you prepare the settlement proposal?
AGENT · LIQUIDATION COORDINATOR
The settlement proposal reaches the adjuster with the full picture ready.
Liquidation Coordinator is the fourth agent of the Claims insurance squad. It prepares the claim settlement proposal: reads the surveyor's report, checks the technical reserve for the case, aligns with underwriting for out-of-standard claims, sends the adjuster a structured summary ready for the payment decision.
Liquidation Coordinator at work.
Proposal ready. Surveyor: damage €4,500. Technical reserve allocated: €5,200 (variance €700, within standard range). Motor TPL schedule: proposed amount €4,350 (contractual excess €150). No underwriting alignment required. No liability disputes. Next action: customer notification within 30 days (IVASS procedure). Do you confirm payment?
Confirmed. Proceed with the customer notification.
Notification sent to customer. Case updated in the management system. The event is in the audit registry.
Why it exists.
Preparing the settlement proposal requires the adjuster to manually consolidate technical surveyor data, the technical reserve allocated at triage, any liability disputes, the carrier's internal rules for the specific line. For high-volume cases, this consolidation is one of the claims team's operational bottlenecks.
How it works each day.
Liquidation Coordinator activates at the completion of the technical survey. It reads the surveyor report, retrieves the allocated technical reserve, compares against the carrier's internal schedules, identifies significant variances. For claims above the value threshold aligned with the reinsurance contract, it triggers the underwriting check for validation.
The payment decision stays with the adjuster.
The adjuster receives the structured proposal on the work channel with the proposed amount, the surveyor detail, the reserve consistency, and any need for underwriting alignment. The payment decision stays with the adjuster under the carrier's procedures.
Adjuster, claims manager, and risk team.
Claims adjuster
The adjuster reclaims the time spent on manual consolidation of the proposal. The collection and comparison work across surveyor report, reserve, and schedules happens before the case lands on their desk. The payment decision is made with the full picture ready.
Auto liability · #2024-0847
Current reserve € 4,200
Proposed reserve € 3,850
Underwriting aligned ✓
Proposal ready · awaiting adjuster
Claims manager
The claims manager sees the settlement pipeline in a structured way. Cases with significant variances or pending underwriting alignment are identified before the decision, not after.
Claim type Auto liability
Severity Medium
Adjuster Dr. Ferrari · Northeast
Initial reserve € 4,200
Routed ✓
Actuarial and risk lead
The actuarial and risk monitoring lead has structured visibility on technical reserves and systematic variances. Useful information for periodic schedule calibration.
WhatsApp «I had an accident, this is Rossi»
Type Auto liability · medium
Policyholder Rossi Marco
Policy #IT-2024-04471
Case opened · CRM updated
Survey complete, proposal ready in minutes.
Liquidation Coordinator activates when the surveyor report is uploaded.
For a multi-line carrier with an average of 150 cases in settlement per day, Liquidation Coordinator activates automatically when the surveyor report is uploaded to the management system. A motor TPL case with surveyor damage of €4,500 enters settlement.
Surveyor, reserve, schedule: three sources in a single summary.
The agent reads the surveyor report, retrieves the allocated technical reserve (€5,200), applies the carrier's motor TPL schedule (proposed amount €4,350 after contractual excess of €150). The surveyor-to-reserve variance is €700, within the configured standard range. No liability dispute signals. Publishes the proposal in the adjuster's Slack channel with a direct link to the case in the management system.
The adjuster confirms. The agent notifies the customer within IVASS deadlines.
The adjuster reviews and confirms payment. The agent updates the case in the claims management system, activates customer notification within IVASS deadlines. The full event stays in the runtime audit registry for Reg. IVASS 41/2018 audit.
Declarative rules, versioned schedules.
The Liquidation Coordinator rules are declarative. The claims team and the risk lead define in a readable format the internal schedules by line (motor TPL, property, health, life), the underwriting alignment rules (value threshold for activation, liability dispute criteria), the surveyor-to-reserve variance thresholds. The rules live in the carrier's repository, versioned, validated at agent startup.
Integration with the claims management system and the technical reserve system is delivered via a dedicated adapter during the project by the Exelab team.
- Language
- TypeScript (Node.js)
- LLM model
- customer's choice: Anthropic, OpenAI, Mistral, open source models hosted internally, AWS Bedrock for a private model
- Built-in controls used
- pii-detector, credential-detector, tool-param-validator
- Native delivery channels
- Slack, Telegram, OpenAI-compatible HTTP
- Claims management system + technical reserve system + underwriting system integration
- dedicated adapter delivered during the project
- Memory
- persistent per instance, pgvector + PostgreSQL FTS on case context
- Registry
- append-only, queryable with a standard SQL client (Reg. IVASS 41/2018 audit inspectable)
Frequently asked questions about the agent.
No. The agent prepares the structured settlement proposal. The payment decision stays with the adjuster under the carrier's procedures.
The declarative rules configured by the carrier include the dispute patterns that trigger a different path: the agent flags the case as 'requires legal assessment' and routes it to the legal team before the standard adjuster. The dispute handling path is defined by the carrier during configuration.
For claims above the value threshold aligned with the reinsurance contract, the agent triggers the pass to the underwriter for validation before producing the final proposal. The threshold is configured by the carrier's risk lead.
The typical pattern for Liquidation Coordinator is 16-22 weeks. Discovery 3 weeks, schedule and rule configuration with the claims and risk team 5-6 weeks, claims management system and reserve system integration 6-8 weeks, hand-off to the adjuster team 2-3 weeks.
From a 30-minute conversation to the squad in production.
A 30-45 minute conversation to understand how Liquidation Coordinator would configure to the carrier's case. Which claims management system, which internal schedules, which threshold for underwriting alignment.