OutSystems Launches Agentic First Notice of Loss to Transform Auto Insurance Claims

OutSystems has expanded its Agentic Industry Solutions portfolio into the insurance sector with the launch of Agentic First Notice of Loss (FNOL). The pre-built solution allows auto insurers to integrate AI agents into claims reporting, bridging the gap between legacy core systems and modern customer experiences to reduce friction during the initial reporting phase.

What was announced

The Agentic First Notice of Loss solution is designed to help auto insurers move beyond AI experimentation into operational claims management. It functions by combining customer-facing applications with AI agents that orchestrate the intake workflow. This includes coordinating roadside dispatch through a partnership with Honk, capturing driver statements, gathering third-party details, and analyzing damage photos in real time.

The solution addresses significant industry hurdles identified in the OutSystems State of AI Development in Insurance 2026 report, which found that 42% of insurance IT leaders cite legacy systems or scattered data as the primary barrier to AI adoption. Furthermore, 35% of respondents noted that AI projects often fail to start because they take too long to implement, the highest rate of any industry surveyed.

By using a production-ready foundation, carriers can integrate the tool with existing policy administration and claims management systems. The AI agents check coverage against policies and record all actions for auditability, while ensuring that final decisions regarding liability and payments remain with human adjusters. The OutSystems Insurance Agent Kit has also been released on OutSystems Forge, offering reusable agents for document reading and photo analysis. This allows insurers to tailor business rules and UI screens using OutSystems capabilities or third-party AI coding tools.

The companies involved

OutSystems is a global platform provider focused on helping regulated enterprises modernize legacy technology through its Agentic Systems Platform. The company provides tools for building and deploying high-performance applications that integrate with complex corporate environments. In May 2024, the company strengthened its leadership team by appointing Luis Blando as Chief Product and Technology Officer, who oversees the firm's product strategy and technological roadmap.

Honk is an advanced roadside assistance technology provider. The company operates a nationwide network of towing and roadside assistance providers, focusing on real-time coordination between drivers and service professionals. Through its partnership with OutSystems, Honk’s dispatch capabilities are integrated directly into the FNOL workflow, allowing insurers to provide immediate physical assistance to policyholders at the scene of an accident. This integration aims to improve retention, as research from InvoiceCloud indicates that 83% of U.S. consumers would consider switching carriers following a poor claims experience.

PRISM is an industry participant represented by CIO Tom Pelster, who noted that the solution demonstrates how modernization can occur by building smarter workflows on top of existing platforms rather than replacing systems of record.

What FF News has reported before

FF News has closely followed OutSystems' expansion into vertical-specific agentic solutions. In September 2026, the company made a similar move in the banking sector, as detailed in OutSystems Launches Governed Agentic Loan Applications to Modernize Banking and OutSystems Launches Governed Agentic Systems for Consumer Lending. These launches established the framework for "governed" AI agents that operate within strict regulatory boundaries. Additionally, the platform's technical capabilities were recognized when OutSystems Named Best Product for App Development by 2024 SaaS Awards. The company’s current product direction follows the leadership transition reported in OutSystems Appoints Luis Blando as Chief Product and Technology Officer.

What this means from an insurtech perspective

This announcement targets the most critical "moment of truth" in the insurance lifecycle: the claim. For carriers, the pressure to modernize FNOL is immense, as legacy core systems often act as a bottleneck for real-time customer engagement. By positioning this as a "governed" solution, OutSystems is attempting to lower the perceived risk for compliance-heavy insurers who are wary of "black box" AI. The inclusion of third-party services like Honk suggests a shift toward ecosystem-based claims handling, where the insurer acts as an orchestrator rather than just a payer. This puts pressure on incumbent legacy vendors to provide better API connectivity or risk being bypassed by orchestration layers that sit on top of their systems.