Handling bodily injury claims is one of the most challenging jobs in insurance. Juggling between 100 to 150 active cases*, claim handlers are responsible for extracting meaning from complex documentation, staying compliant with legal frameworks, and delivering a personal, empathetic experience to policyholders – all while under tight time pressure.
And yet, despite their expertise, industry research shows that only around 55% of a claim handler’s time is actually billable*. The rest is consumed by repetitive, manual work – reviewing emails, organizing documents, preparing summaries. It’s time-consuming, it’s draining, and it distracts from the decisions that truly need human judgment.
This is where Agentic AI steps in.
What you’ll learn in this blog: The key challenges facing bodily injury claims handlers today What Agentic AI is and how it differs from traditional automation How Agentic AI can increase billable time and reduce time spent per case Real-life examples of where AI can support claims professional The challenges of bodily injury claims In bodily injury cases, efficiency is everything – especially when every file contains a complex blend of medical terminology, legal requirements, and personal context. Handlers must be fast, but they also need to be accurate, empathetic, and legally compliant.
The key problem? A lot of their day is spent on work that doesn’t require a human or is not adding value to core tasks :
Searching inboxes for relevant documents Re-reading lengthy medical reports Creating summaries of case progress Manually tracking the next steps This is exactly where Agentic AI can help. Not to make decisions for handlers, but to free up their time so they can make better and more consistent decisions.
The basics: what is Agentic AI? Agentic AI is a new generation of Artificial Intelligence designed to behave more like a proactive, goal-oriented assistant than a rule-based bot. While traditional automation follows static workflows, Agentic AI systems can:
Understand context Take initiative Make decisions based on predefined goals Interact naturally with humans Adapt to dynamic inputs In simple terms, it’s AI that can “think” with purpose and act with intent – always within your control, but ready to reduce the busywork so professionals can stay focused on what matters .
Increased billable time, reduced time per case By offloading repetitive tasks to an AI assistant that can proactively surface key information, highlight missing data, and generate overviews, claims professionals can:
Spend more time on direct client communication and strategic review Reduce time spent on each claim without sacrificing thoroughness Improve throughput while maintaining accuracy and empathy Gain more control over their time, instead of being reactive Ultimately, depending on the business model, billable time increases , and the time per case goes down – two outcomes that are critical for insurers and TPAs under pressure to do more with less.
What this looks like in practice Forward-thinking insurers are already experimenting with intelligent assistants that specialize in bodily injury workflows. These assistants:
Organize incoming emails and attachments automatically Summarize large case files into digestible, relevant briefs Generate responses to clients to ask for missing information or inform about next steps Surface risks and red flags early in the review process Keep case progress moving, even when human attention is limited When integrated into existing systems, these assistants operate behind the scenes – while keeping humans in the loop every step of the way.
Want to learn more? Agentic AI is already making a real difference in industries where complexity meets urgency – and bodily injury claims are no exception. For claims leaders exploring how to boost efficiency without compromising care, now is the time to consider what Agentic AI could look like in your team’s daily work.
Sometimes, all it takes is a better way to handle the basics – to give people the time and space to do what they do best.
Simplifai has developed intelligent AI assistants tailored for these workflows—built to support, not replace, your claims team. Learn more here .
*Numbers based on internal calculations with customers.
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