inca manages the entire claims process – from initial claim reporting (FNOL) through coverage and liability review, communication, case management, loss cost assessment, subrogation review, and AI-based fraud detection, all the way to the final AI-driven claims settlement, including payment instructions.

Every step of the process is guaranteed to be completed within 24 hours. For standard cases, the final settlement is already finalized within this timeframe – from the initial claim report to the payment order.

Typically, the insurer opens the claim and forwards it to inca. inca handles the case end-to-end and returns a complete settlement proposal – including coverage review, cost assessment, and communication drafts. Depending on the individually agreed power-of-attorney model, inca makes the settlement decision independently up to a defined claim amount; beyond that, the final payment remains with the insurer, which maintains full decision-making authority at all times.

The “MARS” platform is explicitly designed to ensure claims-handling quality – not for automated processing – and uses over 250 AI agents to review each case from a holistic perspective, not just on a random sample basis

Policyholders are increasingly using AI to submit manipulated damage photos, fabricated accounts of events, or forged documents. inca employs 42 specialized AI agents for automated fraud detection that identify deepfakes, document manipulation, and content inconsistencies – automatically in every case, not just when fraud is suspected. Detected cases of fraud are fully documented and prepared for enforcement – complete with a chain of reasoning, evidence, and legal basis.

Thanks to the use of AI, inca’s claims processing is highly automated – the degree of automation can be individually controlled and specifically ramped up as needed. This makes inca automatically scalable: whether for cumulative events such as hail damage or for clearing processing backlogs – without manual capacity planning and without delays.

“MARS” maps the insurer’s specific regulatory logic – including company-specific General Terms and Conditions, goodwill policies, and communication standards. The configuration is set up once during onboarding and is continuously refined by inca’s claims experts.