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AI Agent · Claims

Meet your AI Agent for Legal Demand Processing

Every demand letter starts a clock — sometimes a 30-day clock, sometimes a Stowers clock, always an expensive one. Your Legal Demand Processing AI Agent identifies the demand the moment it arrives, captures the deadline, extracts the key facts, and alerts the right adjuster or coverage counsel — before the window closes.

Trusted by leading P&C carriers, brokers, and TPAs
How your AI Workforce works

From inbound document to alerted adjuster, in minutes.

Your work begins in claims inboxes, mailrooms, broker portals, and intake APIs. Your decisions get recorded in your claims system, your litigation tracker, and your compliance log. In between, the AI Agent does the four jobs that used to fall on a person with a stopwatch.

 
WEXLER LAW FIRM
ATTORNEYS AT LAW — PERSONAL INJURY — PA & NJ
CLAIM
NUMBER
CLM-2024-
118827
 
AI CLASSIFICATION · LEGAL — FIRST NOTICE OF DEMAND (0.97)
VIA EMAIL
claims-intake@bevaya-demo.com
Bevaya Insurance Company — Claims Dept
DATED
May 2, 2026
Marcus T. Wexler · (215) 555-0142
RE
Smith v. Stoltz Trucking
DATE OF LOSS
11/14/2024
POLICY
CGL-PA-7711-04
DAMAGES — ITEMIZED SPECIALS
MEDICAL SPECIALS
$112,438.00
Riverside Orthopedic · 11/16/24 – 04/12/26
LOST-WAGE SPECIALS
$48,200.00
12 weeks @ $4,016/wk + reduced-duty
RECOGNIZED — FIRST NOTICE OF DEMAND
Time-limited demand · $385,000 · response due 05/19/2026
Liability supported by PA State Police Crash Report PA-2026-04412
Flagged before it could get buried in the adjuster inbox
Recognizing the demand
 
 
 
 
 
 
 
Critical · Stowers window applied
DEMAND AMOUNT
$385,000.00
0.98
RESPONSE DUE BY
05/19/2026 · 4 days
0.97
CLAIMANT
Daniel R. Smith
0.99
SENDER · FIRM
Marcus T. Wexler · Wexler Law Firm
0.96
DEFENDANT · JURISDICTION
Stoltz Trucking & Logistics LLC · PA
0.95
EMAIL BODY CLASSIFICATION
Demand vs. Correspondence — flagged
0.71
X-Ray traces every field
 
 
Assigned Adjuster
Notified · deadline on calendar
Coverage Counsel
Flagged · reinsurance threshold
Guidewire ClaimCenter
File updated · diary set
Compliance & Audit Log
Full audit trail recorded
Right person knows in minutes
Monitors every channel where demands arrive
Claims inboxes, mailrooms, broker portals, and intake APIs — all watched together
Recognizes first-notice, time-limited, policy-limits, representation letters, and complaints with embedded demands
Surfaces the demand before it can get buried in a busy adjuster inbox
Scores urgency in real time
Critical demands route to a priority queue and trigger alerts immediately
Jurisdiction-specific rules — Stowers, ICRA, state bad-faith windows — applied where configured
Statute clocks and response deadlines tracked from the moment of receipt
Pulls every field that matters
Demand amount, response due, sender, claimant, defendants, jurisdiction — extracted on every demand
Damages breakdown captured line by line, with each field carrying a confidence score
X-Ray Mode traces every value back to its exact source on the page
The right person knows within minutes
Adjuster notified instantly; coverage counsel flagged where reinsurance thresholds apply
Claim file updated, diary set, and the deadline is already on the calendar
Compliance gets the full audit trail — every decision logged, every action timestamped
Outcomes

Tighter compliance. Sharper reserves. More time on the response.

From inbox arrival to adjuster alert
Minutes
Extraction accuracy on key demand fields
95%+
Demand visibility on arrival — no buried demands
100%
Reduction in senior counsel time on intake
90%+
Bevaya — Case Studies Module

Bevaya’s AI agents reduced our claims indexing from 5 days to under an hour. The accuracy was better than our most experienced staff on day one.

Harry Talbert

Harry Talbert SVP of Information Systems · Eastern Alliance

Read the full story

99% straight-through processing and 246% ROI in just 6 months.

F5

Fortune 500 Carrier Property & Casualty

Read the full story

We evaluated six AI vendors. Bevaya was the only one that understood our underwriting workflows from day one — no six-month education period.

CU

Chief Underwriting Officer Specialty Carrier · $2B+ GDP

Read the full story

The confidence scoring changed everything. Our reviewers know exactly which items need attention and which can go straight through. We trust it.

DO

Director of Operations Workers’ Compensation Insurer · 74 NSP

Read the full story

Cut COI turnaround from 24 hours to minutes and saved millions.

T5

Top-5 Broker National

Read the full story
THE ENGINE INSIDE

Built for legal demand analysis, not generic document reading.

Generic AI can read a letter. It can't tell a 30-day Stowers demand from a routine settlement offer, or spot the damages framing that signals policy-limits exposure. Legal Demand Processing runs on a specialized model in the InsurGPT™ mosaic — trained on real legal correspondence by insurance and legal experts, with a verification layer that checks the work before it routes.

Triangulation across sources

InsurGPT™ doesn't summarize a single document and call it done. It reads the full file, cross-references facts between sources, and reconstructs the story no individual document contains.

Cross-Document Verification | Cross-checked

Pulls the same fact from every source in the claim — police reports, medical narratives, demand letters, FNOL — and reconciles inconsistencies before they reach your queue.

Timeline Reconstruction | Sequenced

Builds a unified chronology of the loss event from scattered timestamps across the entire file, so the story reads in order — not in the order documents arrived.

Conflict Detection | Flagged

Flags contradictions between documents — a date of loss in the FNOL that doesn't match the medical narrative — before they become a coverage dispute.

Role-specific intelligence

Same file, different summaries. An adjuster's brief is not a supervisor's brief is not an attorney's brief. The Agent knows which facts matter to which role and surfaces them accordingly.

Adjuster Brief | Tactical

Tactical view: claim status, current exposure, missing documents, and next-best actions. The working summary an adjuster reads between calls.

Supervisor Brief | Portfolio

Portfolio view: reserves vs. severity, escalation risk, SLA exposure, and which files need a second look before they go sideways.

Litigation Brief | Exposure

Risk view: legal demands, damages cited, exposure vs. policy limits, and the timeline a litigator needs before responding to opposing counsel.

Grounded, never invented

X-Ray Mode shows the source document for every fact in the summary. Adjusters verify in one click. Hallucinated claim details have no path to production.

X-Ray Mode | Traceable

Click any fact in the summary and jump straight to the exact page, paragraph, and coordinates where it was sourced — no manual searching through multi-page PDFs.

Field-Level Citations | Cited

Every extracted value carries its origin — page number, line, and X/Y position on the document — so verification takes seconds, not minutes.

Confidence Thresholds | Calibrated

Every fact ships with a calibrated confidence score. Set the bar where you want it: above auto-processes, below routes to a human reviewer.

 
What It Does

Built for the specific work of demand handling.

Identifies legal demands across every inbound channel — email, mailroom, SFTP, broker portal, API.
Classifies the demand type — first-notice, time-limited, policy-limits, settlement offer, representation, embedded complaint, subrogation.
Extracts the demand amount and damages breakdown — medicals, lost wages, pain & suffering, future damages, punitive exposure.
Captures sender and counsel details — firm, attorney of record, bar number, contact channels, prior correspondence history.
Reads the response deadline from the letter or applies jurisdiction-based defaults where the deadline is implied rather than stated.
Flags reserve and reinsurance triggers — surfaces large demands so reserve adjustments and reinsurance reporting don't wait on a manual triage cycle.
Associates to the existing claim file using claim, policy, claimant, and DOL matching — and flags demands that don't tie to an open claim.
Surfaces subrogation signals — third-party fault patterns, joint-and-several language, contribution claims — and hands off to the Subrogation Support Agent.
Validates completeness against your demand-handling playbook and flags missing pieces (no demand amount, missing exhibits).
Routes by urgency — critical demands go to a priority queue with alerts; routine demands queue normally.
Produces a structured summary for the adjuster or coverage counsel — the demand, the deadline, the damages, the parties, the open questions.
Logs every step for compliance, reinsurance reporting, and bad-faith defense — what arrived, when, what was extracted, who reviewed, what they changed.
How it works

An AI layer that sits on top of your existing stack.

Bevaya orchestrates the tools your team already uses. Your stack stays in place. The intelligence layer over it.

01 Sources
Microsoft Outlook
Mailroom / SFTP
Custom API / IPA
02 Bevaya Platform
Bevaya

Bevaya

Intelligence + orchestration layer for insurance workflows

03 Destinations
Systems of record
Guidewire ClaimCenter
Salesforce Industries
Duck Creek Claims
Document management
Alerts
Slack
Microsoft Teams
MORE AI AGENTS FOR CLAIMS

Built to work together.

Underwriting Automation Overview

End-to-end automation across the underwriting lifecycle — from submission intake through quote, bind, and renewal.

Underwriting

Submission Intake

Monitors broker inboxes, classifies submissions, extracts data from ACORDs and supplementals, and populates underwriting systems automatically.

Underwriting

Loss Run Processing

Extracts and normalizes loss data across carriers, identifies trends, and produces structured loss histories ready for underwriting review.

Underwriting

Schedules & SOV Extraction

Reads Statement of Values spreadsheets and property schedules in any format, normalizes the data, and delivers clean structured exposure data.

Underwriting

ACORD Form Extraction

Extracts data from all ACORD forms, validates fields against carrier rules, and pushes clean structured data into underwriting systems.

Underwriting

Policy Renewal Handling

Pulls expiring policy data, refreshes exposures and loss runs, and assembles a complete renewal package for the underwriter.

Underwriting

Policy to Policy Comparison

Compares expiring and renewal policy terms, flags coverage and limit changes, and surfaces material differences for underwriter review.

Underwriting

Claims Automation Overview

End-to-end automation across the claims lifecycle — from FNOL through investigation, settlement, and payment.

Claims

FNOL / FROI Setup

Captures first notice of loss and first report of injury details from email, phone, or portal, structures the data, creates the claim file, and assigns it to the right adjuster.

Claims

Claim to Policy Comparison

Compares loss details against policy terms to surface coverage, exclusions, and obligations before the adjuster makes a call.

Claims

Claim Indexing

Classifies, indexes, and routes claims documents to the right adjuster or team. Handles hundreds of document categories with up to 99% STP.

Claims

Legal Demands Identification & Extraction

Reads demand letters and legal correspondence, extracts allegations, damages, and deadlines, and routes them with full context to the claims team.

Claims

Medical Bill Identification & Extraction

Reads medical bills and provider records, extracts CPT/ICD codes, charges, and dates of service, and links them to the claim for adjuster review.

Claims

Invoice Payment Processing

Processes vendor and provider invoices against claim files, validates against authorized services, and routes for payment approval automatically.

Claims

Claim File Summarization

Reads complex claim files and produces role-specific summaries. Key details, timelines, and action items surfaced for the adjuster.

Claims

Policy Servicing Automation Overview

End-to-end automation across policy servicing — from endorsements and certificates through billing inquiries and audits.

Policy Servicing

Endorsement Processing

Reads endorsement requests, validates against the policy, drafts the change, and routes it for approval and issuance.

Policy Servicing

COI Creation

Generates Certificates of Insurance from policy data, validates additional insured language, and delivers certificates to brokers and insureds automatically.

Policy Servicing

Premium Audit Processing

Classifies audit documents, extracts payroll and classification data, populates systems, and requests missing information from policyholders.

Policy Servicing
Custom AI Agents

Don't see the AI Agent you need?

Bevaya's platform extends to fit your operation. We can build a custom AI Agent for your specific underwriting workflow — trained on Bevaya's insurance-native AI and integrated with your systems.

Resources & insights

Resources for claims and litigation leaders.

Case Study - claims
Research

Page stream segmentation with LLMs

How Bevaya Labs approaches a foundational problem in insurance document AI.

Case Study - claims
Case Study

Workers' comp carrier processes claims 100x faster

How indexing automation delivered 432% ROI in 12 months.

2026.06.02-library-webinar-registration-how-to-establish-clear-ai-ownership-in-your-insurance-organization
Architecture

Inside the Bevaya platform architecture

How specialized models, HITL controls, and integrations come together in production.

FAQ

Frequently asked questions

No. Legal Demand Processing is decision support, not decision authority. It identifies, triages, extracts, and alerts. Every coverage decision, every settlement decision, every response strategy stays with your adjusters and coverage counsel. The AI Agent's job is to make sure those decisions get made on time, with the right information, by the right person.

They're held back from auto-routing and surfaced in the Review Queue with X-Ray Mode evidence — the AI Agent shows exactly where each extracted field was found, what confidence it has in each value, and what it's flagged as missing or ambiguous. A reviewer corrects, approves, or escalates. Average review time is under two minutes.

Demands surface on arrival, not on Monday morning. That means a $2M demand on a $250K reserve doesn't sit invisible over a weekend — the AI Agent flags it as a reserve-setting event, captures the damages cited, and routes to the right adjuster. Reserves move on real data, reinsurance notice goes out inside the window, and loss-pick variance for the quarter isn't being driven by inbox lag.

The AI Agent reads explicit response windows in the letter itself ("respond within 30 days"), recognizes statutory and jurisdiction-specific deadlines where applicable, and applies your configured rules where a deadline is implied rather than stated. Ambiguous deadlines route to a reviewer rather than being silently defaulted.

Not primarily. Legal Demand Processing handles the demand-handling workflow — identify, triage, extract, alert. When the demand surfaces a subrogation signal — a third-party at fault, joint-and-several damages, a contribution claim — it hands the file off to the Subrogation Support AI Agent for opportunity analysis. The two Agents are designed to work together.

Yes. Every step in every run is logged — actor, action, resource, timestamp — and entries are immutable. Every extracted field carries a confidence score and X-Ray Mode showing where it came from in the source document. This is the audit trail your compliance team, your reinsurer, and your defense counsel can rely on.

Weeks, not months. Legal Demand Processing ships as a pre-configured workflow on the Bevaya Canvas, powered by InsurGPT™ models already trained on legal correspondence. Deployment focuses on connecting your channels, mapping your demand-handling playbook, and configuring jurisdiction-specific rules — not building from scratch.

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