Mavera, a Verisk business

We often hear the question—and ask it ourselves: how will claims managers use AI in the future? AI has the potential to improve many aspects of claims management, and its role will only continue to grow. One of the most immediate benefits is providing claims teams with?efficient, accurate tools?to streamline workflows and improve decision-making. But another key advantage, often overlooked, is?access to structured data. AI can help track critical performance metrics, enhance team efficiency, and support business operations. Beyond that, it can play a crucial role in?business and product development, offering insights that drive long-term growth. Watch this film as our colleagues?Sara Wejdenstolpe and Acyif Kassam explore the future of AI in claims management.

AI-supported breast screening detected 29% more cancer cases than traditional screening. That’s the remarkable finding from a recent randomized trial exploring whether AI can improve mammography. What’s noteworthy is that AI wasn’t acting alone: the system flagged suspicious findings, but radiologists made the final call. In other words, AI-supported, not AI-automated. That “human + AI” approach is also how we implement AI in Mavera DSS. Our goal isn’t to replace professionals, but to amplify them—helping claims handlers and medical advisors quickly pinpoint critical details and make more informed decisions. If AI can help detect nearly a third more cancer cases in breast screenings, how much more accurate could your claims settlements become with the right AI support?

We have some great news: in 2025, personal injury claims management will improve like never before. We’re rolling out our AI-powered medical overview in Mavera DSS to more insurers across the Nordics, and we’re seeing a growing number of claims processed using AI. Leading to a stronger, more efficient insurance industry.

Handling personal injury claims isn’t about administration, it’s about making informed decisions quickly and confidently. But when claims handlers spend more time reviewing medical records and internal processes than focusing on the claimant, something needs to be done. That’s where Mavera DSS comes in. Our Decision Support System uses AI to simplify medical assessments and streamline collaboration with specialists if needed. Claims handlers can quickly navigate medical documentation with AI-generated summaries, timelines, and treatment lists. This allows them to confidently handle more claims themselves—saving both time and costs—or assign complex cases to the right specialists with ease. Mavera DSS makes it easier to collaborate with medical advisors through secure case management and medical advisor management, while tracking performance with detailed statistics throughout the process. See how it works in our latest AI-video.

The insurance sector thrives on its ability to manage risk and anticipate the future. That’s why it’s surprising to see the industry lagging behind in adopting AI—a tool that should be a cornerstone of any forward-looking strategy, regardless of industry. According to a KPMG study, 99% of insurers identify employee adoption of AI as a significant challenge, making it one of the biggest obstacles to implementation. This sheds light on why AI adoption in insurance has been slower than expected. While Mavera Decision Support System (DSS) is a user-friendly system we still realize that AI might still seem foreign to some. We understand that successful AI implementation isn’t just about the technology—it’s about how it’s introduced and integrated into the organization. That’s why we prioritize an easy but well-structured onboarding process to ensure long-term success, value recognition, and a smooth transition for users. Here’s how we support our customers: 1. Tailored onboarding plans: We adapt the process to fit the technological maturity of each organization—and sometimes even to individual users—ensuring everyone feels confident and supported. 2. Comprehensive training and integration: From the first introduction to day-to-day use, we guide users through every step, making it easy to incorporate the AI tool you’re your workflows. 3. Ongoing support: AI adoption doesn’t stop after onboarding. We provide continuous guidance, monitor progress, and gather feedback to refine the integration and address potential challenges early. 4. Focus on long-term success: By collaborating closely with our customers, we help optimize efficiency, build trust in the system, and ensure the solution delivers sustained value. Adopting AI may seem daunting, but with the right plan and support, the transition can be seamless—and the rewards significant. At Mavera, we’re here to help insurers unlock the full potential of AI, making the process as smooth and effective as possible.

"Over the coming months, we’re aiming for improvements in efficiency and accuracy, but also better use of our claims handlers’ time. With the help of AI, they can spend less time on repetitive tasks and focus more on communicating with customers and managing areas where the human touch adds real value." This quote is from Marianne Bech, Head of personal injury claims at Landkreditt Forsikring. Landkreditt, a longtime Mavera customer, has now joined the group of early AI adopters in the Norwegian market by introducing the AI functionality in Mavera Decision Support System (DSS) to their personal injury claims management process. Read the full story here: https://hubs.ly/Q0341Zs40

It is indeed a very exciting time to be in claims management. We are taking part in something that is quickly becoming something truly transformative. AI is just starting to touch the insurance industry, and while we can only imagine where it will take us, there’s no doubt it will shape a new future for personal injury claims. We’re stepping into uncharted territory, but here are some glimpses of what lies ahead: 1. Competitiveness redefined - Early adopters of AI will set a new pace in the industry. As claims handling becomes faster and more precise, what was once exceptional will soon become the baseline. Those who move early have the chance to lead this shift and raise the bar for everyone. 2. Combined ratio reimagined - AI has the potential to redefine how we approach costs. By automating routine tasks and supporting smarter, data-driven decisions, insurers could move toward a leaner, more agile structure, potentially reshaping profitability in ways we can only begin to predict. 3. A new level of customer expectations - Imagine a world where claims resolutions are nearly instant and yet, experiences are deeply personalized. AI may set new standards, and as customers experience these advances, their expectations will naturally evolve. Insurers who embrace this change will for sure redefine what “good service” means in our field. 4. Efficiency on a new scale - this is a given: AI can bring speed and accuracy that today seem almost futuristic. Claims processes, from intake to settlement, could flow seamlessly, with resources freed up to focus on high-impact and value-creating work. Manual errors may become relics of the past, replaced by consistent, data-powered decision making. 5. Accuracy redefined - With AI learning from vast data sets, the precision of claims assessments and fraud detection may reach unprecedented levels. This not only helps insurers make informed decisions but opens up the possibility of fairer, faster, and more transparent claims outcomes for customers. We’re on the brink of something revolutionary. AI will expand what we believe is possible, empowering us to reimagine every part of the claims journey. While we can’t predict the full impact, one thing is clear: those who step forward into this new landscape will help shape its possibilities. So, will you stand by, or help define the future of personal injury claims?

Claims handlers are truly the heart of personal injury claims, and this is not something we see changing in 2025. They bring empathy, expertise, and critical decision-making— meaning it is a role that goes far beyond processing paperwork. Or so it should be: we also know that the demands of repetitive tasks and high-pressure situations can often overshadow their core strengths. That’s where AI steps in to empower the claims handlers. We regularly talk to claims managers who worry that technology might dilute the human element in their work. But when used thoughtfully, AI enhances the handler’s role, creating new opportunities to shine. Here’s how we see AI improving life for claims handlers and, ultimately, the customer: 1. More time to spend on customer interaction: AI streamlines administrative tasks, allowing handlers more time for meaningful, human-to-human interactions. The result? A smoother, more personal claims process. 2. Happier customers: With AI accelerating turnaround times and improving claims accuracy, customers enjoy faster resolutions and a more tailored experience—reflecting the care claims handlers provide. 3. Less repetitive work: AI automates tasks like summarizing documents, data entry, and building a timeline of events, so handlers can focus on complex, impactful aspects of each case. 4. Reduced stress: By taking on mundane tasks, AI allows handlers to experience a more balanced workload, leading to less stress and a more fulfilling role. At the end of the day, technology should amplify what claims handlers do best—serving clients with skill and care. AI is transforming the role from task executor to true client partner, making the process more human than ever. One thing is clear: claims handlers who embrace AI will be best positioned to thrive in the future. The time to get onboard is now.

Still working on your New Year's resolutions? If you're in claims management, here are some things that should be on top of everyone's mind in 2025. Happy New Year!

2024 was the year Nordic insurers embraced AI not as a novelty, but as a crucial tool for staying competitive. The time to get onboard is now. And when technical advancements are moving quicker than we have ever seen before, the old conundrum of build or buy should be seen in a new light. Any attempts to build inhouse are more set to fail than ever. For several reasons: 1. There is no such thing as “managing” an AI system: Unlike traditional systems, AI isn’t something you build once and leave to run. It demands ongoing training, updates, and fine-tuning with new data to stay effective. Specialized suppliers are equipped to handle this continuous evolution, ensuring your AI solution remains cutting-edge and aligned with the latest advancements. 2. Specialized expertise is non-negotiable:?Developing and maintaining AI systems requires highly specialized skills that are difficult to recruit and retain in-house. AI evolves rapidly, and keeping pace demands a dedicated focus that many insurers may struggle to provide while managing their core operations. 3. The cost of delay is high:?Building in-house often means long timelines, and in the world of AI, delays can cost you your competitive edge. By the time an internal project is launched, the technology or approach may already be outdated. Meanwhile, specialized SaaS suppliers continuously innovate, ensuring their solutions stay cutting-edge. 4. Leverage industry-wide expertise is key:?Specialized suppliers like us work exclusively with insurance companies, which means we really understand the unique challenges and opportunities they face. Our systems benefit from insights gained across the industry, enabling continuous improvement and refinement tailored specifically to the needs of insurers. This level of focus and expertise is difficult to replicate in-house. 5. Fiercer competition= focus on what you do best:?Insurers are experts in understanding risk, providing exceptional customer service, and designing innovative products. By buying an AI solution from a specialized partner, insurers can focus on their core strengths while leveraging the expertise of AI providers. Choosing to buy instead of build isn’t just about purchasing a product—it’s about partnering with experts who continuously refine their solutions to meet evolving industry demands. With AI now a key ingredient for staying competitive, the question isn’t just?“build or buy?”—it’s rather?“how quickly can we get onboard (and stay onboard)?” So, the time to act is now. Partnering with the right supplier means faster results, better outcomes, and the confidence that your AI strategy is future-ready.?