AI Agents for Property & Casualty Qualification and First Notice of Loss

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"At Kin, we focus on how we can leverage each technology to its fullest potential to enhance the customer experience. Regal stood out because we found that it shared the same commitment."

Austin Ewell
Senior Analyst

Trusted by Insurance Leaders

Why regal for Property & Casualty Insurance?

GET EVERY LEAD TO A BOUND POLICY

Regal orchestrates calls, texts, and emails across the quote-to-bind journey, so leads get reached before they go cold instead of waiting for an available agent.

AI agents qualify and quote against live rate data, then warm transfer to a licensed agent, so your team closes deals instead of chasing leads.

HANDLE EVERY CLAIM WITH PRECISION

Take a claim from first notice of loss to field adjuster dispatch without leaving Regal. Routing and conversation guardrails keep coverage and premium details accurate.

Dashboards, QA scorecards, A/B tests, and volume caps keep quality visible as volume grows.

P&C INTEGRATIONS, BUILT-IN COMPLIANCE

Regal connects directly to your policy administration and claims management systems, like BriteCore, so data syncs without manual exports.

Every integration runs on PCI- and HIPAA-compliant infrastructure, so claims and servicing teams can dial and report securely from one platform.

In Numbers

With Regal, Kin Insurance handles policyholder qualification, with high customer satisfaction.

95%
Customer Satisfaction
0 SEC
Response Times
3X
Shorter Handle Time Per Call

USE CASES

From the first lead to a past-due payment, Regal's AI agents handle the full range of borrower conversations. Below are four real use cases, the scripts they run, and the exact journey logic behind each one.

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QUALIFY NEW Policyholder leads

Follow up with new leads, gather the details needed to qualify and price the policy, and route to a specialist when it's ready to close.
Example: A prospect submits a quote request through the website, and the agent calls to qualify the property before handing off for a final quote.

Trigger Quote Requested New lead from website form Do not call Route to email only Conditional match DNC Check Action Warm Transfer To licensed agent, with context YES YES NO NO Send SMS Send Confirmation Text Recaps call + agent intro Conditional match Interest in Proceeding? Send SMS Thank you Text Provide number and survey Call Task AI Agent: Qualifies Property type, year built, sq footage Captured context Single Family; Built in 2005, 2,200 Square Feet
Do not call Route to email only YES NO Conditional match DNC Check Call Task AI Agent: Qualifies Property type, year built, sq footage Trigger Quote Requested New lead from website form
Action Warm Transfer To licensed agent, with context Conditional match Interest in Proceeding? YES NO Send SMS Send Confirmation Text Recaps call + agent intro Send SMS Thank you Text Provide number and survey Captured context Single Family; Built in 2005, 2,200 Square Feet

Policy Update Outreach

When a CRM trigger flags a life change, like a new vehicle purchase, proactively reach out to update the policyholder's coverage and process the change without waiting for them to call in.
Example: A policyholder recently financed a new car, and the agent calls to confirm coverage details and add the vehicle to their existing auto policy.

Captured context New vehicle: 2026 Honda CR-V Trigger Contact Attribute Changed New vehicle financed Auto policy Filter: Vertical: Do not call Route to email only Conditional match DNC Check Action Webhook: Update Policy PATCH to Duck Creek: add vehicle NO YES YES NO Conditional match Wants Coverage Added? Call Task AI Agent: Coverage Update Confirms vehicle, offers to add it Send SMS Confirmation Text Confirms update + new premium No action taken
Trigger Contact Attribute Changed New vehicle financed Auto policy Filter: Vertical: Conditional match DNC Check Call Task AI Agent: Coverage Update Confirms vehicle, offers to add it NO YES Do not call Route to email only Captured context New vehicle: 2026 Honda CR-V
NO YES No action taken Conditional match Wants Coverage Added? Action Webhook: Update Policy PATCH to Duck Creek: add vehicle Send SMS Confirmation Text Confirms update + new premium

Renewal & Billing Outreach

Proactively reach out ahead of a policy renewal to flag a premium change, confirm payment details, and offer to connect the policyholder with a specialist if they want to adjust coverage.
Example: A policyholder's bundled home and auto policy is renewing with a rate increase, and the agent calls ahead of the renewal date to explain the change and confirm payment details.

Send SMS Renewal Notice Bundled policy has a premium 
 change, renewal in one month. Captured context New premium: $2,150 Reason: Rebuilding costs NO YES Action Warm Transfer To specialist, with context Action Webhook: Renew Policy Sync to Applied Epic: renew policy Send SMS Follow-Up Confirmation Confirms renewal + next steps Trigger Dynamic Segment Renewal ≤ 30 days Bundled home + auto Filter: Vertical: Call Task AI Agent: Renewal Review Reviews premium change, offers options AI Decision Interest in Renewing? Wants to discuss options? Send SMS Send Close-Out Text Thanks contact, confirms renewal as-is
NO YES Trigger Dynamic Segment Renewal ≤ 30 days Bundled home + auto Filter: Vertical: Send SMS Renewal Notice Bundled policy has a premium change, renewal in one month. AI Decision Interest in Renewing? Wants to discuss options? Send SMS Send Close-Out Text Thanks contact, confirms renewal as-is Call Task AI Agent: Renewal Review Reviews premium change, offers options Captured context New premium: $2,150 Reason: Rebuilding costs
Action Warm Transfer To specialist, with context Send SMS Follow-Up Confirmation Confirms renewal + next steps Action Webhook: Renew Policy Sync to Applied Epic: renew policy

End-to-End FNOL Follow-Up

Follow up when a claim is started online but left incomplete, gather the missing liability and incident details, and finish filing it without a human agent.
Example: A customer starts a claim through the mobile app after a collision but doesn't finish the form, and the agent calls to complete the first notice of loss.

Captured context Location: I-35 collision Injuries: none reported Trigger Dynamic Segment Claim incomplete > 2hrs Auto & property claims Filter: Vertical: Do not call Route to email only Conditional match DNC Check Action Update Contact Logs claim, flags liability Webhook Assign Claim Number POST to BriteCore NO NO YES YES Conditional match Interest in Renewing? Call Task AI Agent: First Notice of Loss Completion Verifies identity, gathers incident and liability details Action Warm Transfer Immediate human escalation Send SMS Confirmation Text Claim number + adjuster contact info
Trigger Dynamic Segment Claim incomplete > 2hrs Auto & property claims Filter: Vertical: Conditional match DNC Check NO YES Do not call Route to email only Captured context I-35 collision none reported Location: Injuries: Call Task AI Agent: First Notice of Loss Completion Verifies identity, gathers incident and liability details
NO YES Action Warm Transfer Immediate human escalation Conditional match Interest in Renewing? Webhook Assign Claim Number POST to BriteCore Action Update Contact Logs claim, flags liability Send SMS Confirmation Text Claim number + adjuster contact info

Platform Capabilities

Convert intent into action

Remove friction in conversations that matter most. AI agents handle complexity, navigating FNOL and policy workflows, responding naturally, and guiding policyholders toward resolution.

Personalize Conversations

Design AI agents that represent your brand, with control over tone, persona, and interruption handling. Customer data drives dynamic responses before, during, and after every call.

Multi-Channel Orchestration

Rooted in years of voice-first innovation, Regal’s AI Agents speak 30+ languages. Build once and deploy across calls, SMS, and chat with unlimited capacity, availability, and scalability.

Native CCaaS Platform

Orchestrate AI and human calls in a centralized interface with built-in IVR and routing, then optimize with A/B testing, Branded Caller ID, and suggested improvements.

Conversation Memory

With a Unified Customer Profile, every caller interaction picks up where the last left off: prior hardships, promises to pay, escalation history.

Integrations & compliance

Connects to your policy systems of record, including BriteCore, and runs on PCI- and HIPAA-compliant infrastructure, with real-time regulatory audit against 100% of interactions.

we work with your tech stack

See some of our 40+ integrations with CCaaS, CRMs and more, as well as intuitive APIs and webhooks to connect to any solution you need.
View Our Integrations
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Enterprise-Grade Security

Regal meets enterprise data and privacy standards you can trust.

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Our agreements with LLM partners prevent them from training on your data or storing your data.

Treat your customers like royalty

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