CLM-2026-11940 — motor collision
Reported 3 minutes ago · policy POL-AU-2026-88213 · portal
FNOL→Coverage→Assess→Reserve→Settle→Recover
Notification to triaged
3m 04s
Severity band
Moderate
est. $9k–$16k
Path
Assessor
not straight-through
What was captured, and how
| Item | Value | Captured by |
|---|---|---|
| Loss date/time | 12 Feb 2026, 07:42 | reporter |
| Location | Hume Hwy, Liverpool NSW | geocoded from description |
| Vehicle | MER-114 · rigid 8t | matched to policy schedule |
| Third party | 1 vehicle, no injury reported | reporter |
| Photos | 6 · damage front nearside | portal upload |
| Police event | not provided | chased |
Why straight-through was refused here
- •Third-party involvement — liability is not the platform's to assume.
- •No police event number on a highway collision.
- •Estimated severity above the $5,000 straight-through ceiling.
Why it matters
The severity band is a range, not a point estimate. A single predicted number invites everyone downstream to treat it as the answer; a band with a ceiling is what the reserve and the authority both key off.
Stated limit
Severity is predicted from this carrier's own history of similar claims. It is an operational estimate for routing and reserving — it is not an assessment, and it never becomes the settlement.