Digital Claims in Insurance: What You Need to Know 2025

Digital claims are insurance claims that are submitted and processed through online or electronic systems instead of paper forms or in-person visits.

In more detail, digital claims allow policyholders to report incidents like car accidents, home damage, or health issues using websites, apps, or other digital tools. This makes the process faster and more convenient for everyone involved.

Instead of mailing documents or waiting on phone calls, people can upload photos, fill out forms, and check claim status instantly. Insurance companies use this technology to handle claims more efficiently and reduce errors.

For example, after a car accident, a person can snap pictures of the damage on their phone and submit a digital claim right away. The insurer receives the information immediately, speeding up the assessment and payout. Common benefits of digital claims include:

• Faster claim processing

• 24/7 access to claim services

• Reduced paperwork and physical visits

On a deeper level, digital claims rely on software systems that integrate data collection, communication, and decision-making. Technologies like AI can analyze photos, verify claim details automatically, and flag potential fraud. One practical advancement is the use of voice AI in digital claims management.

Strada, for instance, employs AI-driven phone agents and workflows to automate and accelerate the process. These AI agents can interact with claimants over the phone, gather necessary information, and guide them through each step without delay.

This reduces wait times and human errors while freeing up resources for complex cases.

To sum up a few key elements of digital claims systems:

1. User-friendly interfaces for submitting claims online

2. Automated workflows to process details and approvals

3. AI enhancements like Strada for voice-based claim support

Understanding digital claims helps customers and insurers navigate insurance more simply, with faster solutions and smarter tools improving the entire experience.