Safer Roads

Made on Duck Creek.

There’s a new standard in personal auto-one where consumers demand a more personalized and streamlined experience, and more adequate and affordable coverage. With the Duck Creek Suite, we provide all the insurance-specific SaaS applications, auto specific integrations and content, and low-code tools you need to rapidly seize opportunity and reinvent yourself in a market of constant change.

Benefits

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Bring Products to Market Fast

Create innovative private passenger vehicle products and get them to market quickly by streamlining product development and transactional tasks. Doing business with policyholders and agents in a fast and easy manner enables the pricing and coverages that attract customers and the experiences that convert and grow relationships.

Automate the Experience

From underwriting new business to renewals to claims to distribution, easily configure straight-through processing workflows that can support servicing a high volume of drivers and vehicles across wherever you write personal auto.

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Excel at Customer Service

Deliver compelling omni-channel experiences to meet customers across web, mobile, email, and text. Whether quickly responding to a policyholder’s claim in their time of need, applying discounts and suggesting coverages while adding a vehicle or driver, or accepting a payment, you’ll have the tools to deliver the personalized experiences that delight customers.

Customer satisfaction continues to be a key driver of our business, and Duck Creek’s industry expertise and advanced technology will help us deliver the exceptional service our customers expect. Every company knows that the future will continue to present more technology risks. Through this recent modernization, we’re better prepared to take advantage of the latest innovations and digital disrupters.

Steve Smith
VP of IT | GEICO VP of IT

Moving to a cloud-based, regularly updated, highly-secure system is the first step in our journey to an operating platform that will ensure we remain meaningful and competitive in our marketplace. We’re already seeing faster performance improvements and look forward to continued progress toward our goals. This is the first step in our plan for successful migration to an integrated, full-suite Duck Creek Platform that will provide us long-term viability in an ever-changing world.

Adam Solomon
Mutual Benefit Group CIO

GAINSCO’s commitment to digital transformation ultimately led us to Duck Creek for our Policy/Rating/Billing platform in order to meet the growing demands and needs of an increasingly savvy customer base.

Phil West
GAINSCO SVP & CIO

End-to-End Personal Auto Lifecycle

Deliver tailored auto insurance that gives drivers the right protection.

Capabilities Enabled

  • Utilize our Personal Auto Line of Business kits and low-code tools to quickly develop coverages, rules, rates, and forms to better protect motorists
  • Leverage reusable components from a base auto product to rapidly develop products for new regions or non-standard risks
  • Incorporate historical rating variables, usage- and behavioral-based data, and algorithms within products to personalize rating and discounting
  • Set rules for how frequently to pull telematics data and re-rate premiums based on actual driving behavior

Benefits

  • Implement new products in weeks, not years
  • Reduce product development resources

Enable “touchless” underwriting of new and renewal business.

Capabilities Enabled

  • Automate the entire policy lifecycle from quote to underwrite and renewal with the ability to include skilled employees as needed
  • Deliver rating results within seconds to comparative shopping websites or agency management systems and tailor quotes with discounts like good student or safe driver
  • Process out of sequence endorsements and easily assign new drivers to vehicles
  • Integrate driver data, motor vehicle records, telematics, and predictive fraud analytics to ensure proper segmentation, risk selection, and price adequacy

Benefits

  • Increase underwriting efficiency
  • Increase customer satisfaction

Develop the flexible car insurance payment options your customers expect.

Capabilities Enabled

  • Define payment plans, discounts, and installments that meet the unique needs of customer journeys
  • Support modern payment options like eCheck or auto-pay from bank accounts and credit cards
  • Reach out to motorists with reminders and notices or implement penalties for late payments to ensure payments are received on time
  • Leverage APIs to provide drivers seamless omni-channel payment options across web, mobile, email, and text

Benefits

  • Increase customer retention
  • Maximize receivables collection
  • Reduce expense ratios

From cracked windshields and broken mirrors to vehicles being totaled, automate the entire claims lifecycle.

Capabilities Enabled

  • Automate from first notice of loss to investigation, evaluation, adjudication, and payment with the ability to include skilled claims handlers as needed
  • Engage with motorists and deliver transparency throughout the claims lifecycle when necessary to reassure and update them on the status of their claims
  • Embed data and predictive analytics at every decision point to ensure proper claims triaging, accurate loss evaluations, and fraud detection
  • Integrate and orchestrate third-party telematics, chatbots, photo submission tools, and claims payments providers to quickly indemnify claimants after an accident

Benefits

  • Decrease claims processing times
  • Reduce claims leakage
  • Increase customer satisfaction

Expand your reach and enable your producers to bring in more premiums.

Capabilities Enabled

  • Ensure that drivers find the right coverage by extending your distribution networks through integrations with leading comparative raters
  • Seamlessly connect customers or agents to quoting portals by eliminating redundant data entry after they initiate quotes on agent management systems or comparative raters
  • Leverage single point of change to maintain multiple user portals under a common set of product definitions

Benefits

  • Increase new business to consumer or agent portals
  • Increase agent retention
  • Optimize quote to bind ratios

Gain a 360-degree view of drivers, their households, and related risks.

Capabilities Enabled

  • Create a single source of truth that consolidates data across Duck Creek solutions, internal systems, and external data feeds like telematics
  • Unify historical driver information, motor vehicle reports, accident history, and behavioral-based telematics data all in one place
  • Maintain timely views of the customer, regulatory, and economic landscape with tools that ease data mapping, business rules management, and metrics development
  • Develop persona-based reports and dashboards that answer common operational or management questions and provide analytic insights to executives, underwriters, and claims handlers

Benefits

  • Improve reserving accuracy
  • Reduce expenses and optimize claims cycle times
  • Improve reporting accuracy

Featured Integrations

Our comprehensive partner ecosystem features a number of integrations to technology providers who support personal auto: