Trigger FNOL automatically from telematics crash detection

Steps

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.