Industry · Insurance
After-hours claims captured. Quotes routed in seconds.
An insurance answering service for independent agents — every FNOL captured the moment it's reported, every quote request qualified and routed to you, without ever offering coverage advice or making claim decisions.
Information capture only — no coverage advice, no claim decisions, ever. · 30-min demo · no credit card · pricing is a fraction of one receptionist's salary.
After-hours claim · Auto FNOL
- Insured Sarah K.
- Policy # captured
- Incident Rear-end · no injuries
- Routing ADJUSTER PAGED
Claim ticket created · Adjuster called back in 12 min
Discipline
The first agent to respond usually wins the policy. Every after-hours claim that goes to voicemail is a client wondering if they're covered. The Front-Desk Leak — for insurance, that uncertainty is the leak.
How it answers
FNOL capture and quote intake — never coverage advice.
Insureds call about accidents, lost cards, and quote requests. We capture every FNOL with the right fields, qualify every quote request, and route to the right person — without ever interpreting coverage or making claim decisions.
Insurance intake · routing
- Insured name + policy # captured
- Incident details captured
- Photos requested captured
- Urgency routing captured
- Coverage interpretation never
- Claim decisions never
- Quote pricing never
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24/7 FNOL capture
After-hours claims captured the moment they're reported — never sent to voicemail.
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Quote-request qualification
New-business inquiries qualified (auto/home/life), routed to the right agent.
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Adjuster-paged routing
Urgent claims (injuries, total losses) paged to your adjuster immediately.
Tuned for your line
An auto FNOL is not a life-insurance lead.
The intake script changes by insurance line — required FNOL fields, qualifying questions, routing rules — all configured per agency before any live call.
Auto
Home / property
Life / health
Commercial
more likely to reach a lead answered in 5 minutes vs 30 — speed-to-lead applies to insurance prospects exactly like every other sales call.
Source: MIT / Lead Response Management study (Oldroyd, via InsideSales.com)
From ring to handoff
Call to claim ticket, in one flow.
Greet the insured. Verify policy. Capture FNOL fields or qualify quote. Route to adjuster or agent. Create claim ticket. Route a structured summary — typically before the adjuster has called back.
What it does
Built for the calls that decide retention.
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After-hours FNOL
Auto, home, and commercial claims captured 24/7 with the fields your carriers require.
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Quote-lead qualification
New-business inquiries qualified by line, routed to the right agent for follow-up.
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Renewal & service routing
Existing-client policy questions routed to the assigned agent or service queue.
How it sounds
Calm at the side of the road. Patient on a quote.
Insureds call after accidents, in panic. The intake stays calm, captures what the adjuster needs, and routes the call — without speculating on coverage or fault.
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Safety-first protocol
Always asks about injuries first; directs to 911 if anyone is hurt.
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Speaks any language
Native-quality voice in any language combination your callers use. Pick the pair, we configure it.
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Carrier-form aware
FNOL fields configured to match what your carriers require — no missing info on the ticket.
What it never does
No coverage advice. No claim decisions. No exceptions.
The AI captures and routes — it never interprets coverage, makes claim decisions, or quotes policy pricing. Those judgments stay with your adjusters and underwriters. State insurance regulations vary; we configure to your state's requirements.
Capture, never adjudicate
No coverage opinions, no claim decisions, no pricing — ever.
Confidential routing
Insured data routed only to your agency. No third-party sharing.
Configured per jurisdiction
Insurance regulations vary by state; scripts configured to your jurisdiction.
Get started
Two ways to begin.
On the web
Pick a time. Demo on a call.
A 30-minute call to walk through your FNOL script and quote-qualification rules, hear the AI handle a sample after-hours auto claim, and lock pricing for your call volume.
Talk to sales
Multi-agent agency? Multi-line? Multi-state?
For multi-agent agencies, multi-line carriers, or multi-state operations, email directly and we'll line up the right conversation.
Common questions about insurance intake
Can an answering service capture and qualify after-hours insurance quote requests?
Yes. Carolinas Dev answers every call 24/7, discloses it is an automated assistant, and captures the prospect's name and contact details plus the basics you need to follow up fast — the line of business, what they are insuring, and their timeline. It routes a structured quote-request summary to you in minutes and forwards hot leads to your line per your rules, so you respond before the next agency on the comparison page does.
Can it take a first-notice-of-loss (FNOL) after hours?
Yes. When a policyholder calls to report a loss, the AI takes a calm, structured first-notice-of-loss 24/7 — capturing the policyholder's name, contact details, what happened, when and where, and the basic facts of the loss — then routes the intake to you and forwards urgent claims to your line in real time per your rules. It guides a stressed caller through the questions without ever assessing fault or coverage.
Does the AI give coverage advice or quote prices?
No. The AI captures information only — it never interprets a policy, advises on coverage, confirms whether a loss is covered, or quotes a premium. Those judgments stay with you, the licensed agent. It qualifies the inquiry, captures the facts, and routes a structured summary to you, keeping a clean line between intake and licensed insurance advice.
How are urgent claims and hot leads routed to me?
You set the rules. You decide which calls are urgent — a major loss, an active claim, a high-value prospect ready to bind — and which line each one forwards to. When a caller matches, the AI captures the details and forwards the call to your own line in real time, while still sending you a structured summary, so the most important calls reach you in seconds rather than waiting in a voicemail box.
Is the insurance answering service handled by a real person?
No. Carolinas Dev is a fully automated assistant that discloses itself as such at the start of every call. It answers 24/7, captures and qualifies quote requests, takes structured first-notice-of-loss intake, and forwards urgent claims and hot leads to your own line — with no human-answered or live-agent component, and no coverage advice given. We are a real US company based in Concord, NC.