Cartec

The Challenge

German insurance agencies faced significant operational challenges in their claims processing workflows:

• Slow and error-prone accident documentation processes
• Disjointed communication between agents, administrators, and legal partners
• Lack of real-time access to claim information
• Cumbersome paper-based workflows
• Difficulty tracking claim status and history
• Limited ability to gather comprehensive accident evidence

Our Solution

We developed Cartec, an integrated insurance claims management platform with both web and mobile applications to streamline the entire claims lifecycle.

Mobile Application for Field Agents

The mobile app empowers agents to document accidents directly at the scene:

• Photo and video documentation of accident scenes
• Digital forms for gathering policyholder and witness information
• Voice-to-text transcription for recording statements
• GPS location tagging and mapping
• Offline functionality with automatic synchronization
• Digital signature capture
• Push notifications for case updates

Web Portal for Administrators and Partners

The comprehensive web portal facilitates claim management and collaboration:

• Role-based access control for different stakeholders (administrators, attorneys, etc.)
• Case assignment and workflow management
• Document management system with version control
• Integrated messaging and notification system
• Policy verification and coverage assessment tools
• Reporting and analytics dashboard
• Integration with payment processing systems

Key Features

• Unified Case Management: Complete view of each claim from initial report to resolution
• Real-time Collaboration: Secure sharing of information between all stakeholders
• Automated Workflows: Business rules engine to route cases based on claim type and complexity
• Comprehensive Documentation: Structured storage of all claim-related documents and media
• Compliance Management: Ensuring adherence to German insurance regulations
• Analytics: Insights into claim patterns, processing efficiency, and outcome metrics
• Security: End-to-end encryption and GDPR compliance

Implementation Process

We employed a phased implementation approach to ensure smooth adoption and minimize disruption:

1. Discovery and Requirements: In-depth analysis of existing workflows and stakeholder needs
2. UX/UI Design: Creating intuitive interfaces tailored to different user roles
3. Core Development: Building the central system architecture and database
4. Mobile App Development: Creating native iOS and Android applications
5. Portal Development: Building the web-based management interface
6. Integration: Connecting with existing systems and third-party services
7. User Testing: Extensive field testing with actual insurance agents
8. Training: Comprehensive training program for all user types
9. Phased Rollout: Gradual deployment across different regions
10. Ongoing Support: Continuous improvement and technical assistance