Tractable AI

Enterprise B2B licensing to insurers and repairers. No public pricing.

Enterprise B2B licensing to insurers. No public pricing.

Vehicle and property damage photo data processed under Tractable's data handling agreements. Insurance claim data handled under applicable insurance regulatory requirements.

Claims and policy data processed under strict insurance data handling requirements. Fraud detection decisions require explainability for regulatory and legal defensibility.

• ✓Photo-based assessment in minutes versus days for adjuster visits — transformative improvement in claims cycle time
• ✓Covéa, Ageas, and Tokio Marine validate across major European and global insurance markets
• ✓Integration with Mitchell and Audatex connects AI assessment to existing repair estimating workflows
• ✓Straight-through processing enables auto-settlement of clear-cut claims without adjuster involvement

• ✓Graph network fraud detection identifies organised fraud rings that individual claim scoring misses
• ✓AXA, Tokio Marine, and Aioi validate across major global insurance markets
• ✓Underwriting fraud detection at application is more cost-effective than detecting at claim payment
• ✓Explainable AI flags help investigators and comply with regulatory requirements for adverse action reasons

• ✕Enterprise B2B only — not accessible as a standalone tool for smaller insurers or body shops
• ✕AI damage assessment accuracy still requires adjuster review for complex or unusual damage patterns
• ✕Regulatory approval for AI-only claims settlement varies by jurisdiction

• ✕Enterprise B2B only — significant investment appropriate only for insurers with fraud loss ratios justifying the spend
• ✕AI fraud scoring requires investigator review for adverse claim decisions — not fully automated
• ✕Regulatory compliance for AI adverse decisions requires explainability maintenance as models update