AI prompt to guide a client through filing a claim
A claim is when clients find out what their insurance is worth, and calm, clear communication helps. AI helps agents write empathetic updates, checklists and explanations; the carrier decides coverage and settlement.
Below is a ready-to-copy prompt to guide a client through filing a claim, a detailed version that asks you clarifying questions first, and 6 specialized AI tools (Liberate, Sonant, Smith.ai, Upfirst, Tidio and Intercom Fin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Write a plain-English 'what to do after a car accident' checklist for clients, with a placeholder for the carrier claims number. Note that the carrier handles claim decisions.
Detailed version (asks clarifying questions first)
Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of claim, where the client is in the process, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team. Task: Write a plain-English 'what to do after a car accident' checklist for clients, with a placeholder for the carrier claims number. Note that the carrier handles claim decisions.
What a good result looks like
A good after-accident checklist puts safety first, then tells the client what information to collect, to take photos, to report to police if required and to call the insurer's claims line. It makes clear the insurer decides the claim.
Common mistakes and watch-outs
Never tell clients what will or won't be covered, or advise them to admit or deny fault. Make sure the claims line placeholder is filled in correctly for each carrier, and that the checklist doesn't conflict with what the carrier asks clients to do. Claims tools like Liberate support the process but don't replace the carrier's decision.
How to adapt the prompt
Make versions for home water damage, theft or storm damage, and a wallet card or phone-friendly version. Ask for a Spanish version if many clients prefer it.
After a car accident 1. Check for injuries. Call 911 if anyone is hurt. 2. Move to safety if you can. 3. Exchange names, phone numbers, insurance and vehicle details with the other driver. 4. Take photos of the vehicles, the scene and any damage. 5. File a police report if required. 6. Call your claims line: [Carrier Claims Line]. 7. Let us know: [Agency Phone]. Your insurance company decides the claim. We're here to help you through it.
How to use it
- Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
- Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
- Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Liberate, Sonant and Smith.ai as described below.
- Review before you use it. Don't say something is or isn't covered without reviewing the policy. Check every fact, name and number yourself.
- Take the next step. Next, see: Answer calls after hours / missed calls.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
Liberate site ↗
Insurance AI agents automating service, claims and sales workflows.
Use Liberate's insurance AI agents to automate claims and service workflows.
Sonant site ↗
AI receptionist for insurance agencies handling inbound calls 24/7 with AMS integrations.
Suggested from the related task Answer calls after hours / missed calls.
Set up Sonant's AI receptionist to answer inbound agency calls 24/7 and route through your AMS integration.
Smith.ai site ↗
AI and live receptionists for call answering, intake and scheduling.
Suggested from the related task Answer calls after hours / missed calls.
Use Smith.ai's AI/live receptionists for call answering, intake and scheduling.
Upfirst site ↗
AI answering service for small businesses so no call goes unanswered.
Suggested from the related task Answer calls after hours / missed calls.
Turn on Upfirst's AI answering service so overflow and after-hours calls get answered.
Tidio site ↗
Website chat with the Lyro AI agent for answering questions and capturing leads.
Suggested from the related task Add a chatbot to the agency website.
Train Tidio's Lyro AI agent on your FAQ page so it answers common questions and captures leads.
Intercom Fin site ↗
AI customer service agent for chat, email and voice support.
Suggested from the related task Add a chatbot to the agency website.
Connect Fin to your help content so it answers service questions over chat and email.
Any AI assistant
ChatGPT Claude Google Gemini Microsoft Copilot
Paste the prompt above (short or detailed) into any of these.
Before you use it
- Don't say something is or isn't covered without reviewing the policy.
- Don't promise coverage or payment; the carrier and adjuster decide.
- Point clients to the carrier's official claims line and process.
- Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
- Review every AI output for accuracy and compliance before you use it.
Related tasks
More: All claims prompts · All AI prompts · Customer Service & AI Receptionists tools