Aspasia prices, checks, investigates, and prepares the findings a regulated adjuster needs to review.
Policy wording, submitted evidence, and jurisdictional context retrieved before a finding is prepared.
9 documents across 4 jurisdictions
Motor Insurers' Bureau — Uninsured Drivers Agreement
Governs MIB obligations to compensate victims of uninsured and untraced drivers under Section 151 RTA 1988.
2015
Consumer Insurance Contracts Act 2019
Defines insurer duties on claims handling, proportionate remedies for non-disclosure, and settlement obligations.
2019
Total Loss Assessment — IE/UK Rulebook
Defines salvage thresholds, pre-accident market value methodology, and CAT marker obligations for total losses.
Jan 2026
Fraud Indicators Playbook v3.2
Staged collision patterns, organised fraud rings, injury exaggeration signals, and referral triggers for SIU.
Mar 2026
Whiplash Reform Programme 2021
OIC portal process, fixed tariff compensation for soft tissue injuries, and medical evidence requirements under CICA.
2021
FNOL Communication Protocol — Motor
Channel-specific response SLAs, required acknowledgement language, empathy tone standards, and escalation triggers.
Feb 2026
Claimant Communication Tone Guide
How to phrase coverage questions, manage expectations on timelines, and handle disputes without escalating to complaints.
Apr 2026
Third Party Liability Investigation SOP
Evidence gathering sequence, witness statement priorities, police report retrieval, and contributory negligence thresholds.
Jan 2026
Reserve Setting Guidelines Q1 2026
Initial reserve bands by claim type, uplift triggers, IBNR methodology, and sign-off authority thresholds.
Jan 2026
Retrieved for CLM-00412
Repair scope, labour, parts, settlement range, and negotiation history prepared from the claim evidence.
CLM-00412 · Front collision · Toyota Corolla 2022
Repair estimate
| Item | Qty | Unit | Total |
|---|---|---|---|
| Front bumper assembly | 1 | £280 | £280 |
| Radiator support panel | 1 | £195 | £195 |
| Headlamp unit (LH) | 1 | £340 | £340 |
| Bonnet panel | 1 | £520 | £520 |
| Labour — panel repair | 6 | £58 | £348 |
| Labour — paint & finish | 4 | £58 | £232 |
Garage quotes
Premier Repairs Ltd
+£275 vs AI
AutoFix Manchester
-£45 vs AI
AI Recommended
Negotiation
Aspasia
We reference our approved repairer schedule: £58/hr labour, OEM-equivalent parts. Proposed settlement: £1,915.
Premier Repairs
We can reduce to £2,050. Labour rate reflects specialist alignment equipment.
Aspasia
£1,980 accepted. Alignment surcharge of £65 approved per carrier schedule clause 4.2. Settlement confirmed.
The output is not a model answer. It is a decision file with evidence, authority, supplier inputs, confidence, and exceptions.
Explore the next offering
Aspasia coordinates specialist agents, external work, and human handoffs across each claim type.
Proceed to Orchestration