What's a Virtual Claims Adjuster? Simple Guide 2025

A virtual claims adjuster is a digital tool that helps insurance companies handle claims without sending a person to investigate in person.

To explain a bit more, a virtual claims adjuster reviews damage claims using technology like video calls, photos, or other digital data. Instead of a traditional adjuster driving out to assess damage, the virtual adjuster can quickly evaluate claims through these digital channels. This speeds up the process and helps customers get their claims settled faster.

It fits into the broader goal of making insurance work more efficient and convenient for both companies and policyholders.

For those who want to understand the details, virtual claims adjusters often use AI and advanced software to analyze the submitted images, videos, and documents. They can automatically estimate repair costs and check for fraud.

These systems can be integrated with tools like Strada, which uses voice AI to manage phone conversations and workflows, automating claim intake and follow-up. Together, they create a smoother experience by reducing manual work and improving accuracy.

Here are some common features of virtual claims adjusters:

• Remote assessment of damages through photos or video

• Automated cost estimation using AI

• Fraud detection algorithms

• Fast claim status updates

They are used in many insurance areas, including:

1. Auto insurance, where drivers send pictures of car damage

2. Home insurance, for damage caused by storms or fire

3. Property insurance, to evaluate losses without physical visits