Use case · Liability

Same claim, same call — whoever picks it up.

Two adjusters shouldn’t land two splits. Mysa reads the whole file, applies your rules the same way every time, and hands over a call with the rule, a confidence, and how your book decided the last twelve like it.

See how →
See it on your own closed claims · first look on us
On this claim
1
Read the whole file
Pull the circumstances, statements and photos into Claim Intake.
2
Apply your rule to the facts
Match the convention or comparative rule to what happened.
Research agent — Pull the last twelve like it from your book into Liability.precedent.
3
Hand over the split
Write the apportionment and its basis into Settlement, ready for the adjuster.
Suggested by your decision graph
Re-check the split before you settle.
Source 9 comparable files with this exact manoeuvre settled 50/50.
Why your own barème and your last arbitration win both put it at 0/100 — the standard drifted, quietly.
Adjuster deskLIVE
ReadDecideSourcesReasoning
Automated · agentsYour call

Reading, cross-check and the rule ran on their own. What’s left is your call.

Decision readiness
File read in full
14 of 14 fields · statements reconciled
Rule applied
Comparative · third party ran the light
Liability decided
TP 100 / insured 0 · confidence 0.94
One thing needs you
Statement conflicts with the sketch · review
Next actions queued
Notify TP insurer · set reserve
Insured’s account differs from the police report. Worth a look before you sign.
Your team called it TP 100 in 12 of 12 matched rear-enders.
Decision-ready

No two adjusters agree. That’s the leak.

The same claim gets a different split depending on who holds it. The variance is real money — and invisible until a quarterly audit, long after it’s paid.

AU-8801TP 100 / 0 · handler A—
AU-8802TP 80 / 20 · same facts, handler Bdrifted
AU-8803TP 100 / 0 · handler A—
AU-8804TP 60 / 40 · same facts, handler Cdrifted
AU-8805TP 100 / 0 · handler A—
AU-8806TP 100 / 0 · handler A—
How it works

Every fact in the file, wired to the call it proves.

The split is drawn from the evidence — weighed against how your own book decided the last twelve like it.

The same call, whoever holds it

The same fact pattern gets the same split every time — the variance a mixed bench can’t remove by hand, gone.

Consistent
Rear-end · TP ran the light
Rear-end · TP ran the light
Rear-end · TP ran the light
TP 100 / 0 — every time

A call you can defend

Every split cites the rule and the facts and logs to an audit trail — built for a dispute months later.

Defensible
Rule cited
Facts linked
Audit trail
Defensible on paper

Trust it on your own book

Backtested against the calls your team already made, before it touches a live claim.

Proven
Your call · TP 100 / 0
Mysa · TP 100 / 0
across 500 closed files
96% agreement

Starts with your rules. Sharper every file.

The judgment that’s retiring is the split a senior sets without thinking. Mysa keeps it.

Day one Your rules, encoded
Your conventions and guidelines, applied the same way from the first file.
Every call Their judgment, captured
Every split your team validates is remembered with its reasoning.
Over time Decides like your book
It comes to call it like your best people — and it stays when they leave.
Day oneEvery callOver time
On your terms

Your files. Your call.

Sovereign by design

Your cloud, on-prem, or your VPC. Claims never leave your environment.

Your team keeps the call

Mysa hands over the split; the adjuster decides. A human in the loop, always.

Defensible by construction

Every call cites its rule and facts, logged for a dispute or GDPR Article 22.

Common questions

How does Mysa decide liability?

It reads the whole file, applies your rules and the relevant convention, and produces a split with the rule it rests on, a confidence, and precedent from your own book. Liability decision

Will it be consistent across adjusters?

Yes. Mysa applies the same encoded rules to every file, which removes the adjuster-to-adjuster variance that drives much of liability leakage, while leaving the final call to a human. Claims consistency analytics

Is the decision defensible in a dispute?

Every decision is sourced to the rule and facts it rests on and logged to an audit trail, so you can show why a split was made — built for disputes and GDPR Article 22. Claims audit trail

Does Mysa make the final call?

No. It hands the adjuster a decision-ready case; the adjuster decides. It is a human-in-the-loop system. Human in the loop