Move the claim forward. Keep payment authority with a person.
An example claims register covers triage, coverage and rental work, then requires a permit for reserve and payment changes. When connected, the demonstration updates one fictional claim record; it does not issue an actual payment or insurance decision.
Auto claim
A first notice of loss arrives at 2 a.m. An agent handles it. The example approver is a claims manager.
An example permit table for this case. When the demonstration is connected, you can run it from the home page.
| Action | Limit | Who must say yes |
|---|---|---|
| Move the claim between stages | this record, counted uses, a window | Within standing scopeNo additional approval within a valid standing permit. |
| Confirm coverage against the policy | this record, counted uses, a window | Within standing scopeNo additional approval within a valid standing permit. |
| Record rental authorization | this record, counted uses, a window | Within standing scopeNo additional approval within a valid standing permit. |
| Set or change the reserve | one use, ten minutes, on a person's say | Needs a permitAn employee must permit it (a claims manager). |
| Issue a payment | one use, ten minutes, on a person's say | Needs a permitAn employee must permit it (a claims manager). |
| Change who is paid | Excluded from this workflow | Never in this workflowThis workflow does not permit this action. |
What the agent proposes
- Move the claim to triageWithin standing scope
Proposed effect: status becomes triage.
- Confirm collision coverage is in forceWithin standing scope
Proposed effect: coverage checked.
- Record rental authorization for this example claimWithin standing scope
Proposed effect: rental authorized.
- Set the reserve at $6,800Needs a permit
Proposed effect: reserve 6800.
- Issue the $6,800 paymentNeeds a permit
Proposed effect: payment 6800.
- Pay the body shop directly insteadExcluded
Proposed effect: payee changed.
- Mark the claim settledWithin standing scope
Proposed effect: status becomes settled.
The questions that come first
- Can limits mirror adjuster authority in dollars?
- Rules can combine payment amounts with who is approving, independent checks and the state of the claim, and other limits still apply. This demonstration limits records, fields, uses and time only, so every payment and reserve change in it needs a permit. It does not authenticate an adjuster’s identity or authority tier.
- Can the policyholder approve an offer?
- ECL-1 defines holding an action until the customer approves, with the approval signed into the record. This demonstration admits or denies only; it doesn’t hold an action for approval.
- Can I show one claim end to end?
- The example follows proposed changes to one fictional claim. After a connected room has run, you can download its returned decision bundles or whole-run package and inspect the signed events it contains. The pilot does not produce a signed record of permit issuance. The signatures use public test keys, so a passing check does not establish who made the record or that an outside event happened.
- What about explaining one decision?
- A returned decision records whether the proposed update was admitted or denied, its reason code and the permit used to decide it. Check those details against the request and policy reference. There is no score to interpret.