SINGAPORE, Nov. 12, 2026 — OutSystems has introduced Agentic First Notice of Loss, a pre-built solution that helps auto insurers manage accident reporting and the first steps of a claim. Announced on November 12, 2026, the solution connects AI agents, customer applications, existing claims systems, and roadside assistance services while leaving coverage, liability, and payment decisions with human adjusters.
The launch expands OutSystems’ Agentic Industry Solutions portfolio into insurance. The solution became generally available on the announcement date and works with existing claims systems or those rebuilt on OutSystems.
AI Agents Help Collect and Organize Claim Information
Agentic First Notice of Loss uses a conversational experience to guide policyholders through reporting an accident. Its AI agents coordinate the intake process, capture driver statements, gather third-party details, and analyze submitted damage photos in real time.
The agents can check policy coverage and open a claim in the insurer’s claims system through an integration layer. They attach the loss details, statements, and photos so adjusters have the information needed to review the case. These automated checks support the process but do not replace the adjuster’s coverage decision.
Luis Blando, Chief Product and Technology Officer at OutSystems, said the aim is to bring AI into daily claims operations rather than leave it at the pilot stage. He described a process in which insurers can collect a complete report, arrange a tow, and explain the next steps while details of the incident are still fresh.
Honk Partnership Connects Reporting With Roadside Help
Through a strategic partnership with roadside assistance technology provider Honk, the solution can arrange a tow while the policyholder reports the loss. Customers can then track its status and estimated arrival time in the insurer’s app.
According to Honk CEO Adam DeWitt, the AI agent coordinates dispatch through Honk’s nationwide network on the insurer’s behalf. It first offers the insurer’s closest in-network repair shops, giving the driver a clear next step after an accident.
Adjusters Retain Control of Critical Decisions
The solution records AI agent actions and includes controls governing access to data and systems. Human adjusters remain responsible for all coverage, fault, and payment decisions.
Insurers can tailor business rules, user-interface screens, and agents using OutSystems capabilities or third-party AI coding tools. Task-level testing allows teams to compare models continuously and assess the balance between accuracy, speed, and cost.
Tom Pelster, CIO at PRISM, said the approach shows how insurers can build smarter workflows on top of existing core systems rather than replace their platforms and systems of record.
Fragmented Systems Remain a Barrier to Insurance AI
The launch addresses challenges highlighted in the OutSystems State of AI Development in Insurance 2026 report. Among insurance IT leaders surveyed:
- 35% said AI projects had not started because they take too long—the highest rate among the industries surveyed.
- 42% identified legacy systems or scattered data as their top barrier.
- 39% cited integration with existing systems.
These issues affect claims processing because information is spread across policy administration, claims management, billing, and third-party systems. For policyholders, that can mean repeated questions, disconnected interactions, and delays in receiving help.
The announcement also cited 2025 InvoiceCloud research in which 83% of U.S. consumers said they would switch insurance carriers after a poor claims experience.
Reusable Insurance AI Agents Also Available
OutSystems also offers an Insurance Agent Kit through OutSystems Forge. The kit provides insurance customers with reusable AI agents for checking policy coverage and reading claim photos and documents.
About OutSystems
Founded in 2001, OutSystems provides a platform that helps regulated enterprises modernize legacy technology and develop and govern AI-driven applications. Its approach applies AI at the architecture level rather than generating raw code, with the aim of reducing the cost, risk, and complexity of modernization.
The company’s ecosystem includes more than 90 million end users, over 600 partners, and thousands of active customers across more than 75 countries and over 20 industries.
