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InsuranceMaine, United States2-10 Employees

Structured BI Severity Intelligence — From FNOL Through Resolution

Bodily injury severity is often misunderstood early in the claim lifecycle. Once reserves expand, assignments escalate, or treatment pathways drift, course correction becomes difficult and costly.

Talem AI embeds structured BI severity intelligence directly into modern claims workflows — beginning at FNOL and continuing as the file evolves.

Using crash dynamics, occupant loading, injury modeling, and treatment alignment analysis, Talem transforms submitted claim data into clear severity positioning and outcome expectations. Claims teams gain early clarity on injury risk, trajectory, and handling direction — before uncertainty compounds.

Carriers use Talem to:

• Improve segmentation and assignment alignment at FNOL
• Strengthen early reserve confidence
• Identify low-touch vs escalated handling pathways
• Refine severity as diagnoses and treatment records emerge
• Align medical care with collision dynamics
• Optimize escalation, SIU referral, and third-party evaluation
• Support medical bill review prioritization

Talem is not a workflow replacement. It is a structured severity layer embedded inside existing systems — reducing variability, improving consistency, and producing more predictable BI outcomes.

Earlier clarity changes how claims are handled.

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