35115AI Claims HandlerClosedCollaborative R&DInnovate UKInsurance claim-processing is reliant on the manual review of each and every claim, at high operational costs to insurers. As a result significant friction exists in the claims processing pathway, and it is extremely difficult to expedite claims payment. Although industry protocols (including The Claims Portal) aim to reduce this friction, insurance claims will often also need adjustment to reach a settlement and determining liability can often result in the need for litigation. This process comes to a head when considering claims registered on The Claims Portal where the insurer must assess all the nuances of a claim within 15 days else the claim falls out of the system (at high cost to the insurer, and often results in substantial (300+days) processing delays). This claims process is poorly communicated to consumers industry-wide. Resultant high operating costs and likelihood of the need for litigation drive up premium prices.We have built a unique consortium comprised legal experts (Kennedys), leading insurers (AXA UK) and data scientists (UMAN and Leap Beyond) to create a solution to automate the claims liability decision point and augment the processing workflow end-to-end. Our collaborative approach capitalises on our commercial assets to address the primary developmental barriers which have hindered the development of automation to date. With the developed tool we will reduce the overhead cost of claims processing, reduce the litigation spend for claims settlement, and reduce inadvertent settlement of fraudulent claims. Ultimately, this will lower the cost of insurance premiums for the consumer. This project will additionally enable better customer experience through increased transparency and explainability of the claim process, and expedited claim settlement.