# A claim reported at 2am is already filed.

You automate first notice of loss by putting a conversational agent in front of the intake conversation. It asks what happened, when, and whether anyone needs help right now, one question at a time, types the answers into a structured claim file, and posts that file to your AMS before anyone calls back.

## The process this page is about

Not "AI for insurance". One process, the one that decides whether a worried policyholder reaches your agency or a call center recording: first notice of loss, the moment someone says what happened before an adjuster is ever assigned.

- **Who starts it**: Someone whose car was hit, whose pipe burst, or whose roof lost shingles in a storm, usually within hours of it happening and often outside office hours.
- **What it costs today**: An FNOL call that averages six to seven minutes when someone actually picks up, or a voicemail that goes unanswered until Monday while the loss sits unreported.
- **What it has to produce**: A claim file: who, what happened, when, whether anyone else was involved, and whether it needs a person right now rather than a form.
- **of manually completed FNOL forms contain an error that has to be chased before the claim can move**: 60% (source: EasySend)

## What it asks, and what it never asks

You name the fields your claim file already has. It asks for them in whatever order the story comes out, and it never lets a coverage question get in front of a safety one.

| Field | Type | Required | Why |
|---|---|---|---|
| policyholder_full_name | text | yes | Whose file this is |
| phone | phone | yes | How the agency calls back |
| policy_number | text | no | Speeds up the file, never required to start it |
| date_of_loss | date | yes | When it happened, for the file and for any deadline |
| loss_type | text | yes | Routes it to the right desk |
| loss_description | text | yes | What happened, in their own words |
| other_parties_involved | text | no | Other drivers, tenants or witnesses |
| police_report_filed | boolean | no | Whether a report already exists to pull |
| injuries_reported | boolean | no | The one field that can stop everything else |
| preferred_contact_time | text | no | When the desk should call back |

### And what it will not do

- It never confirms or denies whether this loss is covered. That is an adjuster’s decision, made after the file is reviewed.
- It never quotes a premium, a rate, or an excess, for this claim or a new policy.
- It never says a claim will be paid, or estimates what it is worth.
- The moment anyone describes an emergency in progress, it stops asking questions and says to call 911 now.
- It never invents a field. If they did not say it, the record says "Not captured" instead of a guess.

## Try the run yourself

Six situations an agency actually handles, each running its own agent with its own fields. Pick one and answer it the way a real policyholder would, out of order and mid-worry, and watch it ask the follow-up instead of accepting the blank.

- [I need to report a claim](https://joina.chat/l/tw-fnol): Conversation page. First notice of loss, taken properly, day or night.
- [Something’s happening right now](https://joina.chat/l/tw-urgent): Conversation page. Describe an active emergency and watch it stop and say call 911.
- [Do you even cover this](https://joina.chat/l/tw-eligibility): Chat widget. Coverage type and risk qualified before anyone books time.
- [It’s been a while](https://joina.chat/l/tw-reinstate): Conversation page. No guilt, just a check on where things stand.
- [I want to cancel](https://joina.chat/l/tw-cancel): Conversation page. No refund promised, just the reason recorded honestly.
- [I need something changed](https://joina.chat/l/tw-endorsement): Conversation page. A certificate, an address change, or a new driver, on an existing policy.

## Frequently asked questions

**What does Gnosari do for an insurance agency?**

Gnosari takes the first notice of loss an agency would otherwise receive as a 2am voicemail: the policyholder, the policy if they know it, what happened in their own words, when and where, photos if they have them, and how to reach them. It asks one question at a time on your site or through a link, then posts a typed claim file to your agency management system before the office opens.

**How do I take a claim report at 2am without an answering service?**

Create a free Gnosari account and tell it which fields your claim file already has: policyholder, policy number, date and place of loss, description, photos, contact. Put the link where a missed call would otherwise go: your website and your voicemail greeting. Gnosari runs the conversation at any hour, follows up when a detail is missing, and posts the file to Applied Epic or EZLynx through a webhook, Zapier or Make. An agent opens a complete file in the morning.

**Will Gnosari confirm coverage, quote a premium or say what a claim is worth?**

No. Gnosari is instructed never to confirm or deny coverage, never to quote a premium, a rate or an excess, and never to say what a claim is worth or whether it will be paid. Those stay underwriting and adjusting decisions, made by a licensed person after the file is reviewed. Gnosari records the question verbatim so the agent knows what the policyholder is worried about.

**What does Gnosari do if someone describes an emergency, or asks for a certificate or an address change?**

In an emergency, Gnosari stops collecting fields immediately, tells the person to call 911 or the local emergency number now, and says the agency follows up once things are safe. No policy question is asked before that instruction. Certificates of insurance and address or vehicle changes run as their own Gnosari agent: it records the request, the specifics and the deadline, and a licensed agent processes it. It never says a change has been made or a certificate issued.

**Does Gnosari work with Applied Epic or EZLynx?**

Yes, through a webhook. The moment a file is complete, Gnosari posts a signed JSON payload to the address you give it, and Zapier or Make routes it into Applied Epic, EZLynx or the agency management system you already run. There is no Gnosari app to install on either side, and the file is already in your Gnosari inbox before delivery starts, so a down endpoint never loses a claim.

## One missed call from now, a claim could already be filed.

Build the agent, put it where a missed call would otherwise go, and watch the first claim file arrive. Free to start, no card.

Full page: https://gnosari.com/for/insurance