AI prompt to collect first notice of loss (FNOL) details

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 collect first notice of loss (FNOL) details, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Liberate and Sonant) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Create a first-notice-of-loss intake checklist for an agency (date, location, description, photos, police report, injuries) and a script to calm the client. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final 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: Create a first-notice-of-loss intake checklist for an agency (date, location, description, photos, police report, injuries) and a script to calm the client. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.

What a good result looks like

A good FNOL checklist captures the essentials in order (date, time, location, what happened, injuries, police report, photos, other parties) and includes a calm script to reassure the client while you gather information.

Common mistakes and watch-outs

Don't tell the client whether something is covered or promise a timeline. Report the claim to the insurer promptly and record exactly what the client said. AI intake tools (Liberate, Sonant) should hand off to a person for injuries or emergencies.

How to adapt the prompt

Make versions for auto, property and liability claims, and ask for a one-page form for the front desk.

EXAMPLE output (placeholder data, not a real client)

FNOL intake checklist

[ ] Date and time of loss
[ ] Location
[ ] What happened (client's own words)
[ ] Injuries? If yes, emergency services called?
[ ] Police or fire report number
[ ] Photos available?
[ ] Other parties and their insurance
[ ] Best contact number for the adjuster

Calming script:
"I'm sorry this happened, [First Name]. You're doing the right thing by calling. I'll take a few details and report this to the insurance company, and an adjuster will contact you."

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.
Fill in the placeholders. Replace [First Name] and [Policy Type] with your own details. Use placeholders or de-identified details; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Liberate and Sonant as described below.
Review before you use it. Don't promise coverage or payment; the carrier and adjuster decide. Check every fact, name and number yourself.
Take the next step. Next, see: Guide a client through filing a claim.

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.

How to use it

Use Liberate's insurance AI agents to automate claims intake workflows.

Sonant site ↗

AI receptionist for insurance agencies handling inbound calls 24/7 with AMS integrations.

How to use it

Let Sonant's AI receptionist capture claim calls after hours.

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 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.

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