Capture first notice of loss instantly. NIVA guides claimants through structured claim details and routes a complete FNOL to your claims system.
Claimants report losses by phone with variable detail, slowing claims handling and frustrating customers at a stressful moment.
An insurance claims persona guides claimants through the Flow Engine, capturing structured loss details, dates and evidence references via Smart Forms, branches by claim type, and fires a webhook to the claims system with a complete FNOL.
Real differences your team will feel from day one — not theoretical benchmarks.
| Area | Before NIVA | With NIVA |
|---|---|---|
| FNOL completeness | Variable | Structured |
| Reporting speed | Phone queues | 24/7 self-service |
| Claimant experience | Stressful | Guided |
| Handling time | Slow | Faster start |
This works in two directions. As a public-facing agent it engages prospects and customers directly on your website or app; as an internal tool it answers staff questions and runs intake against internal systems. The same engines power both, and which direction you deploy depends only on which knowledge sources and systems you connect. Many insurance operators start public-facing for the traffic and conversion upside, then reuse the same build internally.
In practical terms, the shift looks like this: on fnol completeness, you move from variable to structured; on reporting speed, you move from phone queues to 24/7 self-service; on claimant experience, you move from stressful to guided; on handling time, you move from slow to faster start. Each of these is a direct consequence of moving the interaction from a manual, human-gated channel to an always-available conversational one that still escalates to a person when the situation genuinely needs it.
Implementation reality: the conversational layer, routing, data capture, and system handoff are all within NIVA's documented no-code capabilities. Where this use case reads or writes live data, it assumes the relevant API or webhook endpoint exists on your side; that integration is the one piece worth scoping before launch. Start with the knowledge base and flow, then layer in live API calls once the core experience is proven.
No developers. No long setup. NIVA gives you every engine shown on this page — persona routing, flow automation, smart forms, and webhooks — as a ready-to-configure platform.