Commercial Auto
Catch the claim
before it becomes a lawsuit.
On a commercial auto book, the expensive claims are the ones that find an attorney. Hypermodel watches the moments that decide the path — first contact, demand deadlines, subrogation — automates the follow-through your team approves, and measures what changes. On the system you already run.
01Litigation economics
One claim, two futures.
Insurers rarely win suits — they avoid them. A small share of bodily-injury claims carries most of the cost, and attorney involvement multiplies severity. The fork happens early: contact made, expectations set, deadlines met — or a letter of representation. Hypermodel watches the fork and keeps your team ahead of it.
Early, documented contact
Three-point contact on bodily-injury files, made and logged inside the standard — the single cheapest litigation-avoidance lever.
Demand deadlines that don't slip
Time-limit demands extracted, clocked, and answered on time — with the response drafted in full claim context, for your adjuster to sign.
Subrogation, actually detected
Recovery potential flagged from the file — police reports, liability indicators, third-party carriers — before it closes unrecovered.
02Auto-native standards
The flags an auto desk answers for.
- Bodily-injury contact and follow-up duties, tracked with retries
- Letter of representation → defense referral, on time
- Time-limit demand extraction and statutory response clocks
- Reserve adequacy on BI severity — stale reserves surfaced early
- Subrogation and recovery potential before closure
- No file left idle — claims with no activity surfaced from the diary
03The claim's journey
Watched at every stage.
From FNOL to closure, Hypermodel runs alongside the claim — intake completeness, contact windows, demand handling, settlement discipline — so the file never depends on one person's diary.
04Getting started
Ready to lower your claims cost?
Start with a free audit of your auto book. A closed-claims export is enough — the litigated files make the sharpest findings. The report is yours either way.