Problem Solution Impact Why Now Request Briefing
FORENSIC CLAIMS INTELLIGENCE

Every claim deserves
a physics check.

Vectyr Analysis turns photos, telematics, and crash data into forensic-grade force and injury analysis — built into the claims workflow your team already uses.

Prepared for auto insurance carriers · A Blockcede™ product
IMPACT RECONSTRUCTION
LIVE ANALYSIS
VEHICLE A VEHICLE B PDOF 36° Δv = 6.4 mph SEVERITY SCORE LOW–MODERATE
THE PROBLEM

Claims are settled before obtaining a scientifically grounded understanding of accident dynamics, causation, and severity.

Adjusters and BI handlers are making six-figure decisions on photos, statements, and instinct — with no way to test what the physics actually says.

01

No physics in the file

Without delta-V, force, or vector data, severity assessments are subjective and inconsistent across the team.

02

Bodily injury is a black box

Handlers can't easily test whether claimed injuries match the mechanics of the collision — soft-tissue claims are especially hard to defend or challenge.

03

Fraud hides in plain sight

Staged collisions and inflated claims look identical to legitimate ones in the file — the only check today is a slow, costly outside reconstructionist.

THE NUMBERS

Subjective claims handling has a measurable price tag.

$308B
U.S. auto claim losses paid annually
NAIC, Industry Data
30–40%
of bodily injury payouts estimated inflated or fraudulent
Coalition Against Insurance Fraud
$100K+
typical cost of an outside accident reconstructionist
Industry estimate, per case
60+ days
added cycle time when a BI claim escalates to litigation
ISO Claims Data
Even a 1–2% improvement in bodily injury severity assessment translates to nine-figure annual savings for a top-25 carrier.
THE SOLUTION

Introducing Vectyr Analysis™

A forensic-grade physics engine, built into the adjuster's workflow — not bolted onto it.

Vectyr reads the accident data your team already collects and returns the same class of vector and force analysis used in court: how the vehicles moved, how hard they hit, and what that means for the people inside. No reconstructionist, no weeks of waiting.

Every output is structured, documented, and built to hold up — in a negotiation, in mediation, or in front of a jury.

Vector analysis

Reconstructs the direction, speed, and angle of impact from photos, telematics, and crash data.

Force studies

Models delta-V, peak G-forces, and energy transfer to occupants — the same physics used in court.

Defensible output

Every claim file gets a structured physics report your adjusters and BI handlers can stand behind.

BUSINESS IMPACT

What carriers can expect on a $1B claim portfolio.

$42M+
Projected net loss reduction, year one — modeled on a $1B bodily injury portfolio.
Plus reduced loss adjustment expense, faster cycle time, and stronger fraud defense — driving combined ratio improvement of 1.5–3.0 points.
BI severity accuracy
+22%
Reconstructionist spend
−65%
Litigation rate
−15%
Avg. cycle time
−18%
Loss adjustment expense
−12%
Estimated improvement on the indicated metric, modeled against portfolio benchmarks. Figures shared in full during a pilot scoping session.
WHY NOW

The industry is at an inflection point.

01 · SEVERITY

BI severity is climbing fast

Median bodily injury claim severity has risen roughly 45% in five years. Carriers relying on subjective tools are losing ground to plaintiff bar tactics.

02 · DATA

The data is already there

Telematics and EDR data are now standard in most vehicles on the road. Most carriers simply aren't using what they already collect.

03 · MATURITY

Technology in claims is in production

Adjuster-facing physics is the next defensible advantage. A mature, forensic-grade physics engine is a game changer.

LET'S BUILD THIS

Ready to see it against your own claims.

Vectyr Analysis is currently working with a small number of carriers on early pilots. Request a briefing to walk through how it would apply to your book.