LM is an insurance company who offer auto insurance package to vehicle owner around the country. They have hundreds of claim agents who travel around their responsible region to record the claim from the incident site
When the incident happens, the customer calls contact center, contact agent looks for the claim agent closest to the site and then assign to the incident to record and take pictures of damages, which are later sent together with the claim request form by fax to the headquarter office for the claim process. The request is first reviewed by reviewer team to check customer, vehicle information and incident record, if there is information missing the claim request is sent back to claim agent in order to obtain missing information from the customer. If information is complete, the request is sent further to the reimbursement officer to make an approval. The approval result is sent to contact center to inform the customer about the claim approval, if the request is approved, the customer is required to inform the car service in agreement that he/she could take the vehicle to repair the damage, after that the contact agent send the claim and reimbursement details to the car service the customer select.
This claim approval process has been done manually by forwarding the claim request and related document along the process as mention above. The company require an application system that help to support the process since the customer give a call to contact center , find closest claim agent to the incident site and carry on claim process until the reimbursement detail is sent to the car service. Currently the company find closest claim agent through GPS service which they pay expensive service fee per month and looking forward to replace it with a cheaper solution.