Motor Claim Damage Assessment from Photos

• Head of Motor Claims
• Motor Surveyor and Loss Assessor
• Motor Claims Desk Manager
• Break-in Inspection Team Lead

A motor own-damage claim usually starts with photos taken at the roadside or the garage, followed by a workshop estimate listing parts to replace and labour to charge. Surveyors compare the two, often across many claims a day, and decide what was damaged in this accident, what can be repaired and what was already there.

We build a computer vision service that receives guided photos from your self-inspection app or a WhatsApp link, checks that they are usable and cover the required angles, and then detects vehicle parts and damage types such as dents, scratches, cracks, broken glass and deformation. Each damaged panel gets a severity estimate and a repair-or-replace suggestion. The service reads the workshop estimate and highlights lines with no matching visible damage, compares photos with pre-inspection or earlier-claim images to spot pre-existing damage, and checks image metadata for reuse. Surveyors receive a damage map and evidence pack and make the assessment.

• Guided capture checks for blur, lighting, distance and required angles, with instant retake prompts
• Detects vehicle parts and damage types per panel, with a severity estimate and confidence
• Suggests repair or replace per part, using your surveyor guidelines as the reference
• Reads the workshop estimate and flags parts or labour lines with no matching visible damage
• Compares with pre-inspection and earlier claim photos to highlight pre-existing damage
• Checks image metadata and near-duplicates to catch reused or out-of-period photos

1. 01Capture guided photosThe customer, garage or field inspector follows an on-screen guide in the app or a WhatsApp link.
2. 02Check photo qualityBlur, lighting and angle coverage are checked, and missing or unusable shots are requested again immediately.
3. 03Detect parts and damageModels identify panels and damage types and estimate severity for each.
4. 04Compare with estimate and historyThe workshop estimate, pre-inspection photos and earlier claims are compared with the detected damage.
5. 05Flag mismatchesEstimate lines without visible damage, possible pre-existing damage and reuse signals are flagged.
6. 06Surveyor assessesThe surveyor reviews the damage map and flags, then records the assessment in the motor claims system.

1. Capture
   • Self-inspection app SDK
   • WhatsApp Business capture link
   • On-device photo quality checks
2. Vision models
   • Part segmentation model
   • Damage type and severity model
   • Number plate, VIN and odometer reader
3. Comparison
   • Workshop estimate extractor
   • Pre-inspection and prior claim image matching
   • Metadata and near-duplicate checks
4. Surveyor review
   • Damage map and evidence pack
   • Flag review queue
   • Correction capture for model retraining
5. Integration
   • Motor claims system adapter
   • Parts catalogue and labour rate lookup

Licensed surveyors and loss assessors review every damage map and make the assessment, including what is payable. Both the model's suggestions and the surveyor's final decisions are logged, and corrections are used for retraining.

• Motor claims system (via API)
• Self-inspection mobile app or WhatsApp Business API
• Workshop and garage network portal
• Parts catalogue and labour rate master
• Document extraction for RC and driving licence

• Suggestions only; no claim is settled or rejected by the model
• Per-part confidence shown, with low-confidence parts marked for close review
• Faces and third-party number plates blurred before images are used for training
• Image metadata and duplicate checks run on every submission
• Regular review of model performance by vehicle segment and lighting condition

• The assessment role of licensed surveyors and loss assessors under Indian insurance law is unchanged; the system prepares evidence for them.
• Blurring bystanders and third-party plates before training supports data minimisation under the DPDP Act 2023.

• Automotive & Mobility

  Used Car Inspection and Damage Detection

  Guided photo capture and damage detection for used-car evaluations, with panel-wise damage maps, odometer and chassis checks and draft refurbishment items for evaluators to confirm.

• Insurance

  Tampered and Fraudulent Document Detection

  Score claim documents for signs of editing, fabrication and reuse, explain each signal, and route high-risk files to your investigation team instead of labelling anyone a fraudster.

• Automotive & Mobility

  RC, Insurance and PUC Document Extraction

  Extract and cross-check registration, chassis, owner, hypothecation and validity details from RC, insurance, PUC and fitness documents for used-car, fleet and onboarding teams.

• Insurance

  Claim Status Voice Helpline for Policyholders

  An inbound voice agent that verifies callers, explains live claim status in plain language, sends pending-document lists on WhatsApp and transfers complaints and sensitive cases to people.