Digital damage assessment and vehicle appraisal
Efficient AI vehicle assessment
Structured workflows for insurers, leasing companies, banks, and fleet operators. Digital vehicle appraisals based on digital damage assessments and AI-supported damage evaluations enable automated processing of vehicle damage, condition assessments and return processes. The solution enables efficient and seamless processing – from damage assessment to integration into existing systems. If necessary, an expert can be called in at any time for a live inspection to provide an assessment and support the process.
Digital Capture via Web App: User-Friendly, AI-Enabled Workflow
Policyholders, lessees, and vehicle users can document damage directly on site using their smartphones via a guided, browser-based application (no download required). The system provides guidance for capturing images or videos from optimal angles and ensures that all relevant vehicle areas are documented.
Uploaded content is analyzed automatically to identify:
- Vehicle components (e.g., bumper, door, windshield)
- Damage types (e.g., dents, scratches, and cracks)
- Image quality and plausibility
The AI generates preliminary estimates of vehicle value and damage extent and determines if further processing is needed, such as an internal review, workshop repair, or an on-site expert digital appraisal. Rule-based workflows automatically trigger follow-up actions and integration with your back-end systems. For example, a branded workshop recommendation can be sent after damage is detected.
Expert-Led Digital Appraisal via Live Video Inspection
A digital appraisal can be efficiently prepared without a physical inspection. In complex cases, a trained appraiser can join the session via live video to assess the property remotely and complete the report.
This method is a fast, legally robust alternative to on-site appraisals, especially for liability claims, lease returns, and condition assessments during collateral recovery.
Rule‑Based, Tailored Workflows & Automation
Our platform applies rule‑based logic adapted to case type and company criteria, automatically routing outcomes such as:
- To specialized workshops
- To claims handlers or service partners
- Escalation to internal expert teams
- Triggers for plausibility checks in case of data inconsistencies
These workflows accelerate processing, reduce manual effort, and notably cut costs for low-complexity cases.
Faster, Higher‑Quality Damage Processing for Insurers
Digital capture allows insurers to handle vehicle claims in a structured and efficient way—from first notification through settlement or workshop assignment. The intuitive web app empowers customers to self-document damage via smartphone, guided visually with AI quality checks. That ensures image suitability for automated processing.
Typical process flow:
- Customer self-service through a guided link
- Automated image and damage analysis by AI
- Preliminary damage calculation and rule-based routing
- API integration with insurer’s systems (CRM, DMS, ERP, claims portal)
- Live‑video Digital Appraisal, when needed
This boosts processing speed, reduces manual touchpoints, and enhances data quality for downstream processes.
Leasing & Fleet: Lifecycle Condition Tracking
From handover to return, vehicle condition is digitally recorded at regular intervals (e.g., quarterly), creating a transparent condition history. Changes or damage are automatically detected, and the return is finalized with a Digital Appraisal, optionally including a live expert inspection.
Typical process:
- Initial Assessment: Vehicle condition is recorded at handover via guided smartphone app.
- Regular Updates: Users are prompted every 3 months to document the condition.
- Change Detection: AI compares new images to identify damage or deviations.
- Final Return Report: A full digital return appraisal is conducted, with optional expert live video support.
- Optional Telemetry: ex:tracked enables location and usage analysis to detect misuse or contract violations.
Financiers: Accelerated Asset Recovery via Collateral Appraisal
In the event of loan defaults, EXCON can locate vehicles via ex:tracked, repossess them with our field teams, and immediately produce a Digital Appraisal post-repossession. This captures vehicle condition, supports marketing/remarketing, reduces idle time, and accelerates capital recovery.
Typical workflow:
- Optional ex:tracked vehicle localization
- On-site vehicle repossession and recovery
- Self-Service damage capture by trained agents
- Optional live-video appraisal
- Digital Appraisal creation
- Release for remarketing or auction, enabling faster repayment
Learn more about vehicle repossession
Underlying Technology for Vehicle Assessment
Digital Appraisal combines:
- AI image analysis (vehicle parts, damage type, image consistency)
- Rule-based automation (company-specific logic)
- Live video appraiser module
- REST API integration into existing platforms (CRM, ERP, claims systems)
- GDPR-compliant hosting in German-certified data centers with full audit logs
Typical use cases: accident claims, leased vehicle returns, fleet damage tracking, appraisals of repossessed vehicles, and digital condition inspections prior to remarketing.
Key Benefits at a Glance
- Standardized and scalable workflows
- Less manual handling, faster processing
- Objective assessments via AI and/or expert appraiser
- Dispute prevention through documented vehicle history
- Seamless system integration via open interfaces
Request Your Tailored Online Demo
Discover how Digital Appraisal can streamline your operations. In a personalized demo, we showcase use cases, integration options, and answer both technical and business questions.
Our partners for technology & efficient workflows
Find out more about our partners in the EXCON ecosystem.
MotionsCall – Digital services for claims management
Operational claims processes are implemented in collaboration with MotionsCall, an experienced provider of digitally supported service processes in the insurance and fleet industry. MotionsCall handles key tasks in end-to-end claims management – from initial contact to final processing – for both vehicle and property damage claims.
MotionsCloud – AI-powered damage assessment and inspection solutions
We work closely with MotionsCloud, a tech company with an international background that specializes in automated damage processes. MotionsCloud develops systems that use artificial intelligence and augmented reality (AR) to enable digital assessment of vehicles and real estate – directly by the end user.
