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A typical auto claim process starts with a phone call from a policyholder who has just been in a car accident. The carrier representative collects details about the accident, and the claims processing system passes information to a claims adjuster’s queue. The claims adjuster then starts the investigation and may order incremental data that he or she thinks is most appropriate for each case. However, this process is labor-intensive. It may take 45 days or more to close the claim.


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