OutSystems, the Agentic Systems Platform helping regulated enterprises safely modernize legacy tech and run agentic systems, today announced the expansion of its Agentic Industry Solutions portfolio into insurance with Agentic First Notice of Loss. The pre-built solution enables auto insurers to modernize claims reporting and intake while safely deploying agentic workflows.
By combining customer-facing applications, AI agents, and governed workflows, the solution connects user experiences across existing policy and claims systems and external partners, while maintaining the oversight and control required in a highly regulated industry. While insurers are investing heavily in AI, many are struggling to move beyond experimentation and deliver meaningful improvements to the policyholder experience. According to the OutSystems State of AI Development in Insurance 2026 report, 35% of insurance IT leaders say AI projects have not started because they take too long, the highest rate of any industry surveyed. Legacy systems or scattered data are the top barrier for 42%, while 39% cite integration with existing systems.
These barriers are particularly relevant in claims processing, where critical information is distributed across policy administration, claims management, billing, and third-party systems. For policyholders, this fragmentation often means repetitive questions, disconnected interactions, and delays in getting help when they need it most. The business impact is significant, with 83% of U.S. consumers claiming they would switch insurance carriers following a poor claims experience, according to 2025 research from InvoiceCloud.
“Insurers don’t need another AI pilot. Insurers need AI working in daily claims operations,” said Luis Blando, Chief Product and Technology Officer at OutSystems. “When someone is in an accident, they need help right away, and the insurer needs accurate details while they’re still fresh. OutSystems Agentic First Notice of Loss delivers both. Through a conversational experience, connected to roadside help and claims systems, insurers can become the first line of support: taking the complete report, arranging a tow, and guiding the customer on what to do next. All while coverage, liability, and payment decisions stay firmly in the hands of adjusters.”
Bringing Governed AI Into the Claims Experience
Agentic First Notice of Loss provides insurers with a pre-built agentic solution for a critical moment in the policyholder journey: reporting a loss. It works across both existing claims systems or those rebuilt on OutSystems.
The solution combines customer-facing applications, data models, governed agents, and structured workflows to support key activities during the initial claims process:
- Help policyholders report a loss: AI agents orchestrate the entire intake workflow, coordinating roadside dispatch through best-in-class providers like Honk, capturing driver statements, gathering third-party details, and analyzing submitted damage photos in real time.
- Give adjusters the facts they need: AI agents check coverage against the policy and open the claim in the carrier’s claims system through the solution’s integration layer, attaching the loss details, statements and photos.
- Keep critical decisions with adjusters: AI agent actions are recorded, with controls governing access to data and systems. Adjusters retain responsibility for all coverage, fault, and payment decisions, ensuring AI supports rather than replaces human judgment.
Built on a production-ready foundation, the solution allows insurers to tailor business rules, UI screens, and agents using OutSystems capabilities or third-party AI coding tools. Task-level testing enables teams to benchmark models continuously, optimizing for the ideal mix of accuracy, speed, and cost.
“OutSystems Agentic FNOL shows where the industry is headed. Governed AI agents tap into existing core systems in real time to orchestrate incident intake and sort the evidence,” said Tom Pelster, CIO at PRISM. “It proves that modernization doesn’t mean you throw out your platforms and systems of record. You build smarter workflows on top of them, and the critical liability and coverage decisions stay firmly with human adjusters.”
Expanding Claims Capabilities Through Roadside Assistance with Honk
Through a strategic partnership with the advanced roadside assistance technology provider Honk, OutSystems Agentic First Notice of Loss can arrange a tow while the policyholder reports the loss. The policyholder can then follow its status and ETA in the insurer’s app.
“The moments after an accident are when a driver finds out whether their insurer is there for them. With OutSystems Agentic First Notice of Loss, the driver reports what happened in a chat with an AI agent, and that agent coordinates in real time to dispatch a tow from Honk’s nationwide network of towing and roadside assistance providers on the carrier’s behalf,” said Adam DeWitt, CEO, Honk. “The agent first offers the carrier’s closest in-network repair shops to give the driver a clear next step. That’s where this technology matters: making a stressful moment easier for the person who needs help.”