Total-Loss Insurance Claims
Flyn
Total loss
ACV dispute
Carrier
GAP filing
Settlement
ACV uplift
vs. first offer
Faster settlement
vs. manual
Zero missed deadlines
statutory
When a financed vehicle is totaled, the lender is owed a settlement — and those settlements are routinely undervalued. Flyn manages the entire total-loss claim and recovers more money per claim.
What it does
When a financed vehicle is declared a total loss, the lender holds a claim against the insurance carrier. These settlements are frequently lowballed, and most lenders lack the bandwidth to dispute every one. Flyn owns the full total-loss claims workflow: it pursues the carrier, disputes undervalued settlements, coordinates titling and lien release, and files GAP claims where eligible — recovering materially more value per claim than a manual process. Flyn can begin as a light-touch pilot that requires no upfront data integrations to get started.
Key capabilities
End-to-end total-loss claims orchestration
Actual cash value (ACV) dispute and uplift
GAP claim filing on eligible claims
Titling and lien-release coordination
Carrier, adjuster, appraiser, GAP provider, and DMV coordination
Document understanding
Reads and reasons over settlement letters, appraisal reports, and GAP denials
Counterparty-specific follow-up cadences with carrier-level overrides
A deadline engine that tracks appraisal-clause windows, proof-of-loss deadlines, and state-specific statutes
A carrier adapter layer that handles carrier-specific quirks across national and regional insurers
Built-in, per-claim compliance review and audit logging
How it works
Flyn is built as a single autonomous agent with a rich tool set and a durable working directory for each claim that serves as its memory.
The agent reads the current state of a claim, reasons about the highest-leverage next action, executes it, observes the result, and repeats. Its full trajectory doubles as a complete, per-claim audit log. Consequential actions pass through human-in-the-loop gates that the agent itself raises — so a human reviews the prepared work rather than doing it.
Outcomes
More dollars recovered per claim (ACV uplift)
Faster time to settlement, from total-loss declaration to lien release
Higher GAP attachment rate on eligible claims
Fewer missed statutory and contractual deadlines
Reduction in manual touchpoints per claim
Ready to see it in production?
Most deployments go from signed SOW to production in 60–90 days.
