Subscribe to the telematics platform's crash-detection webhook (provider-specific; consult your telematics vendor's developer portal for the event schema); receive a crash event payload containing device ID, timestamp, GPS coordinates, delta-V, and confidence score.
Validate the confidence score against your carrier's auto-FNOL threshold (consult your carrier guidelines; a common starting point is a high-confidence crash event, but the exact threshold is carrier-specific) before proceeding.
Look up the policyholder's active policy using the device ID or VIN mapped in your policy admin system; confirm coverage is in force at the crash timestamp.
POST the FNOL payload to your claims management system's intake endpoint, mapping crash event fields to claim fields: loss date/time, loss location (from GPS), loss type (collision), reported date (now), and claimant contact info.
Trigger an automated outreach to the policyholder (SMS or push notification) to confirm the crash, collect additional details, and obtain consent for automated FNOL if not pre-authorized.
Route the new claim to the appropriate adjuster queue based on line of business and loss severity estimated from delta-V, and attach the raw telematics event data as a claim document.
Known gotchas
False-positive crash detections (e.g., from pothole impacts or aggressive braking) create unwanted FNOLs and erode policyholder trust; tune the delta-V and confidence thresholds carefully and always confirm with the policyholder before opening a claim.
GPS coordinates at the time of crash may fall in a state different from the policy's garaging state, triggering incorrect jurisdiction logic; always use crash-location state for loss handling rules.
Automated FNOL must comply with state prompt-payment and acknowledgment deadlines that begin from the date of FNOL receipt — ensure the intake timestamp is recorded precisely for regulatory compliance.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp