The Dark Journey
FNOL intake is delayed by human bandwidth.
Navigating multiple systems and data sources means First Notice of Loss is the single highest-effort intake in insurance.
Every decision tree branch represents a loss in customer trust.
A customer standing on the side of the road doesn't want to press 1 or 2. If this is the only call they make this year, it's enough to make them look elsewhere.
Missing data causes repetition.
Incomplete data leads to adjuster callbacks, re-contacts, and claim cycle extensions.
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