More claims closed,zero margin wasted.
KARS Claims is the platform for TPAs managing outsourced claims on behalf of insurers, from notification to reporting.
Your job is settling claims. Not retyping data.
Every client brings their own rules, letter templates, data formats and reporting requirements. You know the systems used to keep up with it all: insurer platforms built for insurers, topped up with generic business tools and spreadsheets on the side. kars Claims gives you the depth of an insurer system, without the overhead: views, terminology and workflows designed for people who handle claims on behalf of others.
Insurer-grade capabilities. Without the limitations.
Working in a TPA means using insurer systems every day: you know what they do well and how long they have stood still. kars Claims matches their functional depth and takes the step those systems were never asked to take: supporting all your work, not just the part the insurer needs to see.
End-to-end coverage
Covers its part: the claim from the insurer’s perspective. Provider instructions, assessments, litigation and correspondence stay outside, scattered across emails and shared folders.
From notification to reporting: claims, service providers, assessments, litigation, letters and reports in the same case file.
All your clients
One system per insurer, one login per system, a different interface every time. Your way of working becomes fragmented.
One workspace with separate data, rules, letters and reports for each client: the isolation of insurer systems, with the convenience of a single product.
Day-to-day usability
Dated screens, fields to retype, repetitive steps. Training costs time and money. So do mistakes.
Modern role-based views, workflows that run themselves and artificial intelligence that reads assessments and documents and fills in the data for you.
Reporting
Data extracts you have to request and wait for, tables rebuilt by hand for every client.
Self-service dashboards and reports on reserves, open claims, turnaround times and costs, with drill-down from the whole portfolio to an individual claim.
Keeping pace with change
Release schedules set elsewhere, long lead times and customisations stuck in a queue.
New client, new line of business, new process: configure it yourself, rather than submitting a development request.
The depth you rely on. The modern experience you expect.
Real benefits, claim after claim
Less time searching and retyping, more time making decisions. Here is what changes for your claims handlers and your clients.
Built for third-party claims handling
Every insurer or portfolio has its own separate environment: distinct data, rules, letters and reports for each client.
Complex claims, as they really happen
Multiple injured and liable parties in the same event, each with their own policy, excess and settlement path.
Turn procedures into software
Map out the rules agreed with your client once, and the system puts them into action: SLAs, deadlines and escalations included.
No retyping
Artificial intelligence reads assessments and documents and extracts structured data: it goes straight into the claim, rather than staying buried in attachments.
Assessments start with photographs
Artificial intelligence uses damage photographs to suggest damage items, parts and repair operations: the assessment arrives pre-filled, ready for the handler to review.
An assistant at every step
In KARS Claims, artificial intelligence is an insurance-trained assistant, embedded in the system and aware of the view you are using: it knows your rules, data and procedures, working as part of your process, not outside it.
Self-service reporting
Reserves, open claims, average turnaround times and handling costs by client, line of business and claims handler. Reports ready when you need them, without waiting for a release.
Scales with your business
New client, new line of business, new team: a configuration change, not a development project.
Every stage, one system
The modules that make KARS a platform for TPAs, already connected.
Claims management
Guided claim setup, multiple party records, a handling diary, digital case files, automatically completed checklists and a full case file in PDF.
Service providers and instructions
Motor, medical, property and casualty, repair and legal instructions. Providers suggested by network, location and SLA performance; fees calculated against the SLA.
Assessments
Editors for motor, medical and property and casualty assessments, ANIA-standard output and automatic data extraction from imported assessment reports.
Litigation
Opened directly from the claim: parties, court, documents and deadlines, financial overview and analytics by court and legal adviser.
Shared email
Team and client inboxes with clear ownership. From email to claim in one click, with automatic filing in the case record.
Letter Designer
Client-specific templates with dynamic claim fields, previews, direct sending, mail merge and version control. Artificial intelligence drafts and refines the text.
Workflow Designer
Visual processes with sub-processes for each injured party, triggers by client and line of business, CARD/SARC deadlines, SLAs and turnaround analysis.
Integration Designer
Inbound and outbound data flows with insurers, assessors and accounting systems, including regulatory and industry exchanges (IVASS eBDS, Score AIA, CARD/SARC). Reuse a validated integration for another client.
Report Designer
Drill-down dashboards and paginated reports for formal client reporting, with artificial intelligence that can also generate reports from plain-language requests.
Beyond claims. A complete ERP for TPAs
KARS Claims supports your whole business: accounting, people and internal communication live in the same system as your claims. No parallel platforms, no duplicate data entry.
Every module is optional: if your TPA has established accounting or HR software that you do not want to replace, or cannot retire yet, Integration Designer enables two-way integrations. You trade real-time updates for protection of your existing investment, with a gradual move towards retiring those systems when the time is right.
Integrated accounting
- Chart of accounts, transaction entry, general journal and trial balance
- Open-item management with receivables and payables schedules
- Sales and purchase invoices, provider fees and costs by client
People management
- Attendance and clocking, annual leave, other leave and sickness
- Organisation chart, skills and workload capacity
- Automated onboarding and offboarding tasks, recruitment
Email, calendars and internal chat
- Integrated email with shared inboxes linked to claims
- Personal and team calendars: inspections, hearings and deadlines
- Internal chat with colleagues, without external tools
From notification to closure, all in one place
Notification
The claim arrives through the client’s data feed or by email and opens with party details already recognised.
Handling
The client’s workflow starts automatically: a separate record for each injured party, each with its own timescales.
Instructions and assessments
Appoint the right provider; the assessment comes back as structured data, not a PDF to read through.
Settlement and reporting
Outcome letters, financial closure and client reporting, all in the same case file.
Separate data
Platform-level isolation for each client
Granular permissions
Each handler sees only their assigned portfolios
Fully traceable
Activity diary, process history and template versions
Each client’s identity
Every insurer’s letterheads, wording and correspondence
One platform, every client
Insurers, brokers and captives entrust their claims to TPAs and expect procedures followed, communications in their own style and timely figures. KARS gives you one workspace where every client’s rules stay distinct, with no crossover.
For your client: a documented, auditable process. For you: greater productivity and fewer errors.
Clients without their own system
Often based overseas, these clients expect insurer-grade software from their TPA and detailed periodic reporting: KARS Claims becomes the system of record.
Insurers with their own software
Large insurers insist on their own system because it is simpler for them, but could receive data through integrations instead: KARS lets the TPA offer that option, without duplicate entry.
UCI and cross-border claims
Claims opened by UCI arrive through an integration and are sent back repeatedly during handling to update the UCI system and eBDS, with Score AIA results relayed through UCI.
Three different scenarios, one system: kars Claims covers them all.
Regulatory data exchanges, built in
When clients also delegate their reporting obligations to industry bodies, kars handles them natively: IVASS eBDS, Score AIA and the SARC office for CARD are just some of the data exchanges that start from the claim, using each client’s rules and credentials.
Built into the system
Regulatory and industry data exchanges are pipelines like any other: mapped formats, schedules, acknowledgements and submission history. No middleware, no separate tools, no re-entered data.
IVASS eBDS, using your client’s credentials
KARS signs, encrypts and transmits on behalf of the client using the credentials they provide; test and production environments stay separate, and submissions start from the claim, not a dedicated computer.
CARD and SARC within the claim
CARD scheme details, counterparty, reason codes, status and references sit in the case file and feed letters and communications; SARC deadlines are workflow nodes, with timings kept under control.
Statutory deadlines in view
The IVASS deadline clock (e.g. under Article 148 CAP) runs alongside the process, updates as claim events occur and routes the workflow down the on-time or overdue branch.
UCI and cross-border claims
UCI opens the claim and passes it to the TPA through an integration; during handling, KARS sends updates back to UCI as often as needed, feeding their system and eBDS. Score AIA results, relayed through UCI, also travel through a dedicated integration.
Another client, another data flow: configure it, rather than build it again.
All in the cloud. Just bring a browser.
KARS Claims is not software installed on a single computer: it is a cloud-based system with high standards of security and data confidentiality, accessible from any device, whatever the operating system.
Fully cloud-based
Nothing to install, no servers to manage or upgrade: the system is always available and up to date, across every office and team.
Security and confidentiality
High standards of data protection and confidentiality, with client-level isolation, granular permissions and every action logged.
From desktop to mobile
Desktop, tablet and smartphone: the same interface adapts to the screen in front of you, with no app to install.
Any operating system
Windows, macOS, Linux, ChromeOS, iPadOS, Android: all you need is an up-to-date browser, just like the one you already use.
In the office, at home, on the move: the same data, the same capabilities.
Every claim, in its own language
Cross-border claims, overseas insurers, teams whose first language is not Italian: when work crosses borders, language should not get in the way. kars is multilingual, from its interface to its correspondence.
Communication in the right language
Cross-border claims, overseas claimants, international clients: correspondence follows the language of the claim. Letter templates are multilingual and version-controlled, so you always know what was sent, to whom and when.
Everyone works in their own language
The interface, online help and documentation are available in multiple languages: colleagues who do not speak Italian use the same screens and consistent terminology, without mentally translating every field.
A new language, not a new project
Onboarding an overseas client or adding a language is a matter of configuration, not rewriting software: the platform scales with your business, across lines of business and borders.
One system, multiple languages: international clients see a TPA that speaks theirs.
Your provider network, under control
Assessors, medico-legal experts, bodyshops and lawyers are more than an address book: they are an asset to manage. With kars, every instruction is tracked, measured and aligned with your client’s rules.
The right provider, suggested by the system
KARS recommends professionals by network, geographical coverage (municipality, province, court jurisdiction) and past SLA performance, with Karin’s assessment of each provider relationship. A consistently managed, measurable network you can justify to your client.
Complete instructions, without rewriting
An instruction wizard that can also be launched from the workflow, with rich-text instructions and a reusable library of standard wording.
Fees calculated against the SLA
Fees linked to SLAs and assignment parameters, with a timeline of statuses and dates. Editable in draft, locked on confirmation: no untracked changes.
Assessments that become data
Editors for motor, medical and property and casualty assessments, with ANIA-standard output. Import a received assessment and artificial intelligence extracts its data straight into the claim; provide damage photographs and it proposes a pre-filled assessment.
Instruction types supported
Motor
Vehicle damage inspection and valuation to industry standards.
Medical
Medico-legal assessments structured around bodily injury.
Property and casualty
Dynamic, version-controlled forms: fire, theft, general liability and property.
Repair
A direct link to the bodyshop, through to checking estimates and invoices.
Legal
Instruct legal advisers with dedicated forms and stage-by-stage management.
Your operations, in clear view
From a business-wide overview to a single claim in just a few clicks: reserves, open claims, average turnaround times, workloads, handling costs, fees and financial transactions, by client, line of business and claims handler.
Analytics cover the TPA’s entire operation, not just the claims portfolio. Artificial intelligence flags delays and workload imbalances before they become missed SLAs. Give your clients evidence, not impressions.
Artificial intelligence with a name:
In kars, artificial intelligence is not an add-on. It has a face: Karin, the orchestrator coordinating all the system’s artificial intelligence services. It reads assessments and documents, drafts assessments from photographs, writes letters, designs processes, builds reports and integrations, and answers handlers in the context of their current view.
Karin supports claims handlers at every step: a capable assistant, trained in insurance, that understands the system’s data, rules and procedures. It highlights priorities and outstanding tasks, suggests next steps and takes you where you need to act. Usage is measured and managed, keeping the cost of innovation under control.
Managers get support too: Karin helps with claims handling and provider instructions, and evaluates each provider relationship against turnaround times, SLA compliance, quality and cost, so network decisions are backed by objective evidence you can share with your clients.
The difference is in the foundations. Many software platforms have had artificial intelligence added later: a loosely integrated extra that does not truly understand the data or processes. Impressive as a demo, but little use in day-to-day work, and sometimes counterproductive. kars was built around artificial intelligence: part of the system from the drawing board, so it can do real work.
You stay in control. Karin works alongside you, at every stage of the claim.
Frequently asked questions
Yes. KARS Claims is a complete ERP: alongside claims management, it includes integrated accounting with open-item management, people management, email, calendars and internal chat. Every module is optional: if your TPA already uses accounting or HR systems that you do not want to replace, or cannot retire yet, Integration Designer enables two-way integrations, protecting your initial investment while supporting a gradual transition.
The more claims you handle, the less you pay per claim
KARS Claims is a pay-as-you-go SaaS platform: costs grow with your workload, never ahead of it.
SaaS, no upfront investment
No licences to buy, no servers to maintain: KARS Claims is a subscription service, always up to date and ready from day one.
Pay as you go
Your costs reflect the claims you actually handle. And the more claims you manage, the less you pay per claim.
Within reach of every TPA
Even smaller TPAs and start-ups get immediate access to an insurer-grade system, at a cost that matches their activity.
Productivity pays
Every additional claim lowers your unit cost: growing your business and working smarter pays off, literally.
See KARS Claims in action
Take an in-depth tour with one of our experts and see how KARS Claims handles the entire claims lifecycle. Choose a day and time that suits you: we will call you.