Audit the estimate before it drains the reserve. At the intake gate. Not at audit.
An AI audit of the inbound collision estimate the moment it lands. Reads CCC ONE, Audatex, and Mitchell files line by line, cross-references every op against OEM position statements, DEG inquiry resolutions, your DRP rule set, and VIN-decode equipment data. Flags procedural fluff, R&I-vs-R&R misapplications, parts-hierarchy violations, and phantom ADAS calibrations before the desk adjuster ever opens the file.
Built for claims VPs, DRP network managers, and TPAs who refuse to keep paying the supplement tax for shop logic the rules engine can’t see.
Your rules engine catches the rate caps. The procedural padding still gets paid.
Today’s automated rules engines were built to enforce hard-coded numerical violations — labor rate ceilings, aftermarket-availability flags, total-loss thresholds. Modern leakage doesn’t live there. It lives in the procedural seams: R&R where R&I was sufficient, blend logic on non-adjacent panels, ADAS calibrations on VINs that aren’t equipped, redundant high-voltage disable, brake bleed on a closed system. Decision-fatigued desk adjusters can’t catch it manually. The AI does.
7–14% of claims spend lost to leakage every year
Industry assessments place financial leakage between 7% and 14% of total claims spend — padded ops, misapplied parts hierarchy, untracked betterment, phantom calibrations.
2.1 supplements per claim — every round-trip is LAE
Supplements per collision claim climbed from 1.7 in mid-2021 to 2.1 in 2024. Every round-trip reopens the file and inflates loss-adjustment expense.
16.7 days — rental is the silent severity driver
Q1 2025 LOR sat at 16.7 days, 3.5 days higher than pre-pandemic. Rental extensions track directly to supplement-approval bottlenecks.
Dense DRP manuals, decision-fatigued adjusters
Adjusters cannot manually cross-reference every line against 50-page DRP guidelines. Non-conforming OEM-vs-aftermarket selections and labor overrides slip through into payment.
Audit at the intake gate. Pay clean files. Bounce the rest with reasoning.
PacketUpload reads the inbound EMS or BMS file the moment it arrives in your queue. Cross-references every line against OEM position statements, DEG inquiry resolutions, your specific DRP rule set, VIN-decoded equipment data, and SCRS BOT logic. Clean files clear straight-through to your adjuster — or to STP. Flagged files bounce to the shop with a specific, cited reason. Your adjusters review fewer files, and the ones they do see come pre-cleaned.
DRP enforcement at intake, configurable per program
Parts hierarchy (OEM, certified aftermarket, LKQ), photo standards, attestation thresholds, labor-rate floors, pre-/post-scan mandates, allowable operations — encoded per DRP. Non-conforming submissions bounce on receipt with the rule citation, not generic rejections.
Procedural fluff & misapplied logic flagged
Redundant HV battery disable. R&R charged where R&I was sufficient. Brake bleed on a closed system. Blend at non-adjacent panel. The carrier-side wedge: catching shop logic that bypasses legacy rules engines because it isn’t a rate violation, it’s a procedural one.
Phantom-calibration & soft-fraud detection
VIN-decode validates equipment trim before approving the calibration line. ADAS Blind Spot Warning charged on a VIN that wasn’t built with rear BSW radar — flagged. Pre-scan billed without diagnostic footprint — flagged. Surfaces the soft-fraud signals SIU looks for, ranked by exposure.
Adjuster-ready output inside Guidewire / Duck Creek / Majesco
Audit verdict, reason codes, citations, and recommended supplement language returned into the adjuster’s existing queue. No new tool to learn, no second tab. Clean files clear; flagged files surface ranked exceptions with explicit reasoning.
What a flagged estimate reads like before the adjuster ever opens it.
Four flags on a real-shape inbound estimate. These are the kinds of audit verdicts PacketUpload returns inside your claims platform — with reasoning the adjuster can paste straight into a supplement request, or a one-click bounce.
From inbound estimate to adjuster verdict — clean files only.
PacketUpload sits at the intake edge of your claims platform. The shop submits as they always have. The audit runs on receipt. Adjusters only see clean files or ranked exceptions with citations.
Today Audit at Payout
- Estimate arrives in CCC / Audatex / Mitchell. Shop submits an EMS or BMS file. Rules engine catches the labor-rate caps. The procedural fluff (R&R vs R&I, blend logic, redundant disable) sails through into the adjuster queue.
- Desk adjuster opens file 4 of 30 today. Decision fatigue sets in by mid-morning. Cross-referencing every line against the 50-page DRP manual, OEM position statements, and VIN-decode equipment data is operationally impossible at volume.
- Supplements 1, 2, 3 land. Each one reopens the file. LAE compounds. Rental extends. Every supplement is another full review pass against documents that should have been audited at intake.
With PacketUpload Audit at Intake
- Estimate arrives — audit fires in seconds. PacketUpload parses the inbound EMS / BMS the moment it lands in your claims platform. CCC ONE, Audatex, Mitchell — all three native, no shop-side workflow change.
- DRP-conforming files clear straight-through. Clean estimates flow to STP or directly to the adjuster queue with an audit verdict attached. Your team spends time on judgment, not transcription.
- Procedural fluff bounces with citation. Redundant HV disable, R&R-where-R&I-suffices, blend on non-adjacent panel, brake bleed on closed system — flagged with the OEM, DEG, or DRP rule citation. Shop sees the reason; adjuster never wastes the cycle.
Plugs into the claims and estimating systems your carrier already runs.
Not a rip-and-replace. We integrate at the inbound edge of your claims platform, parse estimates from whichever estimating system wrote them, and surface verdicts inside the adjuster’s existing queue.
We integrate with the estimating systems the industry runs (CCC ONE, Audatex/Solera, Mitchell/Enlyte), the claims platforms carriers license (Guidewire, Duck Creek, Majesco, Sapiens), parts-procurement (PartsTrader, OPS Trax, Hollander) for hierarchy enforcement, and diagnostic platforms (asTech, Autel) for pre-/post-scan validation. Output conforms to CIECA data standards and NICB fraud-signal frameworks.
Grounded in the OEM, DEG, and DRP frameworks your adjusters and shops already work under
What claims VPs, DRP managers, and SIU leads ask.
How does this differ from the automated rules engines we already deploy?
Standard rules engines catch hard-coded numerical violations (rate caps, total-loss thresholds, parts-availability flags). PacketUpload understands deep procedural logic — redundant overlapping labor, R&I vs R&R misapplications, blend logic on non-adjacent panels, phantom calibrations on VINs without the equipment. The audit catches what the rules engine wasn’t built to see.
Can the AI enforce our specific, proprietary DRP guidelines?
Yes. The system is configurable per DRP program. We encode your parts hierarchy (OEM / certified aftermarket / LKQ), photo standards, attestation thresholds, allowable operations, labor floors, and pre-/post-scan mandates. Non-conformance bounces with the specific rule cited.
How does this impact our LAE and LOR?
By rejecting logically flawed estimates at the intake gate, your desk adjusters review only clean or pre-cited files. Supplement frequency drops, file reopens drop, rental extensions drop. The 16.7-day LOR is primarily driven by approval bottlenecks — the audit removes the bottleneck.
Does the platform identify soft fraud?
Yes. VIN-decode validates the equipment trim before approving any ADAS calibration line. Pre-scan and post-scan billings are validated against the diagnostic vendor footprint. Reused photo hashes are flagged across the claim portfolio. SIU receives ranked exceptions with reasoning, not raw alerts.
Does it slow down FNOL routing or Straight-Through Processing?
No. The audit completes in seconds on receipt. DRP-conforming files clear straight-through to STP; flagged files route to an adjuster with explicit citations. Net effect: more files cleared to STP, fewer files looped between adjuster and shop.
Does this replace our claims platform?
No. PacketUpload integrates into Guidewire ClaimCenter, Duck Creek Claims, Majesco, Sapiens, and custom claims platforms. Audit verdicts, reason codes, and recommended supplement language surface inside the adjuster’s existing queue.
What does PacketUpload decide, and what stays with our adjuster?
PacketUpload audits, cites, and flags — it does not approve, deny, or pay. Your adjuster makes the final call on every line item, with citations and linked evidence on the same screen. Soft-fraud signals surface as ranked SIU exceptions, not auto-referrals. The carrier’s authority structure is unchanged.
Audit at the gate. Stop paying for procedural padding.
Send us a sample of inbound estimates — we’ll come back with the leakage we would have stopped, the supplements we would have pre-empted, and a pilot scope within two business days.
Tell us your annual auto-physical-damage volume, claims platform (Guidewire / Duck Creek / Majesco / custom), estimating mix (CCC / Audatex / Mitchell), DRP posture, and the supplement frequency that’s hurting most. Prioritizing carriers and TPAs with high supplement-dispute rates.
Request a pilotOr email us directly at join@packetupload.com