Insurance
Settle Claims Faster with Video FNOL & Remote Visual Inspection
See the loss the moment it's reported. VSight lets adjusters guide policyholders through live video and AR — from First Notice of Loss to settlement — capturing verifiable evidence and deciding remotely whether a site visit is needed. No app to download.
Why insurers are going visual — industry benchmarks
Potential reduction in loss adjustment expense from claims digitization
McKinsey
of auto claims now handled virtually (up from <15%)
LexisNexis
Switch/non-renewal risk: poor vs excellent digital claims experience
J.D. Power 2025
Annual U.S. insurance fraud — countered by live, verified evidence
Coalition / III
Independent benchmarks from McKinsey, LexisNexis and J.D. Power (full sources below) — they explain why visual claims handling is becoming standard practice.
The phone-only claim problem
You can't assess what you can't see
When a claim depends on what a policyholder can describe in words, insurers can't triage severity accurately, fast-track simple losses, or decide confidently whether a field adjuster is needed — so the safe default is to dispatch, adding cost and cycle time. Weak first-notice evidence also leaves the door open to fraud. A visual layer at FNOL removes the guesswork.
The visual claims lifecycle
From First Notice of Loss to settlement
Video FNOL — capture the loss live
At first notice, the policyholder opens their phone camera via a link and shows the damage. The adjuster sees it in real time, guides the view with AR annotations, and captures time-stamped, geotagged photos as evidence.
Remote assessment & triage
With the loss visible, the adjuster triages severity, fast-tracks simple claims, and decides remotely whether a physical inspection is actually required — avoiding many in-person visits.
AR-guided inspection
For complex losses, the adjuster directs a detailed inspection live — pointing to specific damage, requesting angles and annotating the frame — so the assessment is accurate the first time.
Documentation & settlement
Every session is recorded with photos, notes and metadata attached to the claim file — a defensible audit trail that speeds settlement and supports fraud review.
How a real claim goes
One claim, from first notice to settlement
What happens when a policyholder reports a loss — five steps, no app to download.
A loss happens
A driver discovers fresh damage and needs to report it — stressed, and unsure how long the claim will take.
Loss reported
The adjuster connects
Instead of a long form, the adjuster opens a live visual session and texts the policyholder a secure link — no app to download.
No site visit yet
The damage is captured live
The policyholder points their phone camera at the damage; the adjuster sees it in real time, straight from the browser.
Captured at FNOL The adjuster assesses with AR
Freeze-frame and AR annotations mark the exact damage; time-stamped, geotagged photos go straight to the claim file.
Assessed remotely
The claim is resolved
Simple losses are triaged and fast-tracked on the spot — fewer in-person visits, a faster decision, a happier policyholder.
Settled fasterBuilt for claims
Everything an adjuster needs, remotely
No app to download
Runs in any modern mobile browser over WebRTC — usable by any policyholder with a smartphone.
Live AR annotation
Point, draw and freeze-frame on the live damage view to guide the capture.
Geotagged evidence capture
Time-stamped, location-tagged photos attached to the claim for documentation and fraud defense.
Async self-service capture
Let policyholders submit guided photos and video when a live session isn't needed.
Recording & audit trail
Full session documentation attached to the claim record for QA, audit and settlement.
Secure & compliant
GDPR- and HIPAA-compliant, ISO 27001 certified, end-to-end encrypted WebRTC sessions.
Fraud deterrence
Live, time-stamped, geotagged evidence beats after-the-fact reconstruction.
Claims & CRM integrated
Launch from, and write outcomes back to, claims systems like Guidewire, Duck Creek, Salesforce and CCC/Symbility via open REST API and SSO.
Fits your stack
Works with your claims and CRM systems
Adjusters launch visual sessions from the console they already use, and evidence, notes and outcomes write back to the claim record via an open REST API and SSO.
Explore custom integrations →What is video FNOL?
Video FNOL adds a live, app-free video layer to the First Notice of Loss, so the insurer sees the loss at first contact, guides the capture with AR annotations, and documents verifiable, time-stamped evidence — enabling faster triage, fewer in-person adjuster visits, and stronger fraud defense. It's the visual layer of digital FNOL — the broader shift to digitize the first notice of loss — and a form of remote visual inspection applied to the claims process.
Learn more in our glossary: What is video FNOL? · What is remote visual inspection?
Frequently Asked Questions
What is video FNOL?
Video FNOL (First Notice of Loss) adds a live, app-free video layer to the first claim report. Instead of describing damage over the phone, the policyholder points their smartphone camera at the loss and the insurer sees it in real time, guides the capture with AR annotations, and documents verifiable, time-stamped, geotagged evidence — enabling faster triage and fewer in-person adjuster visits.
Does the policyholder need to download an app?
No. VSight runs in the policyholder's mobile browser. The adjuster sends a secure link by SMS or email, the policyholder taps it and allows camera access, and the visual session starts — no app store, no account, no install. That makes it usable by virtually any claimant with a smartphone.
How does visual inspection reduce claims cost and cycle time?
Seeing the loss at first notice lets adjusters triage severity instantly, fast-track simple claims, and decide remotely whether a physical inspection is needed — avoiding many in-person visits. Industry research links end-to-end claims digitization to a 25–30% reduction in loss adjustment expense (McKinsey), and the auto industry has shifted from under 15% to roughly 60% of claims handled virtually (LexisNexis Risk Solutions).
How does it help with insurance fraud?
Capturing the loss live — with time-stamped, geotagged photos and a recorded session — produces verifiable evidence at first notice rather than relying on after-the-fact reconstruction. Given that insurance fraud costs the U.S. an estimated $308.6 billion a year and an estimated 10–20% of P&C claims involve fraud (Coalition Against Insurance Fraud; Insurance Information Institute), stronger first-notice evidence is a meaningful deterrent.
Is it secure and compliant for insurers?
Yes. Sessions are end-to-end encrypted over WebRTC, the policyholder explicitly consents to sharing their camera, and VSight is GDPR- and HIPAA-compliant and ISO 27001 certified. VSight is an EU company (VSight UAB, Lithuania) and stores EU-citizen personal data on EU-based servers.
Can it integrate with our claims management system?
Yes. VSight integrates with claims and CRM systems — such as Guidewire, Duck Creek, Salesforce and CCC/Symbility — via an open REST API and SSO, so adjusters launch a visual session from their existing claims console and write photos, notes and outcomes back to the claim record.
Related
Explore related solutions
References
- McKinsey & Company — Claims 2030: Dream or reality? (loss adjustment expense)
- LexisNexis Risk Solutions — auto claims virtual-handling research (2021)
- J.D. Power — 2025 U.S. Claims Digital Experience Study
- Insurance Information Institute — Facts + Statistics: Insurance fraud
Statistics above are independent industry figures from the named sources and describe the insurance market generally. Figures are current as of the cited publications.
See visual claims on your own workflow
Book a demo and we'll show how VSight handles video FNOL and remote visual inspection for your lines of business.