The future of vehicle claims — faster, fairer, & automated.

Opticar is developing an AI-driven platform that transforms the claims-to-repair journey.

Vision

Opticar is developing an AI-driven platform that transforms the claims-to-repair journey. By combining 3D scan data, automated damage analysis, integrated repair plans, & streamlined workflows, we will eliminate delays, reduce costs, and deliver better outcomes for everyone.

The future of vehicle claims — faster, fairer, & automated.

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How opticar works

Opticar is an AI platform that detects vehicle damage by fusing advanced imaging & hardware data. We deliver results by creating an accurate 3D model using proprietary scanners then compare the captured data to OEM specifications. This process uncovers both cosmetic & structural damage —delivering faster, more accurate, & fairer vehicle claims.

How Opticar works

01

Vehicle Scanning

The vehicle is scanned using high-resolution cameras, structured-light or laser technology, & sensors. If the car is undriveable, a track-mounted or handheld scanner captures it in place. 

‍

Key Benefit

Fast, consistent data capture without dismantling panels, reducing delays and labour costs.

02

Digital Twin Creation

Opticar generates a full 3D model of the vehicle, including the exterior, undercarriage, and alignment.
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Key Benefit

Creates a complete, objective record of the vehicle’s condition that can be referred back to at any stage in the claims or repair process.

03

Damage Identification & Analysis

AI automatically detects dents, scratches, panel misalignments, and potential structural deviations. It compares the scan against OEM specifications & historical data to determine severity & consistency with the reported incident.


Key Benefit

Identifies both visible and hidden structural damage, reduces missed issues, & validates claims for accuracy and fairness.

04

Repair Methodology & Costing

The system recommends repair or replacement, generates a parts list (including unseen but likely damaged parts), and integrates with supplier networks for live pricing & availability. It also performs a Pre-Accident Valuation (PAV) to assess repair vs. non-repair viability.


Key Benefit

Delivers accurate, automated costings and repair plans instantly, reducing negotiation time and avoiding inflated or inconsistent repair bills.

05

Decision & Settlement

If repairable, Opticar sends a detailed repair plan and cost estimate to both the insurer and repairer. If not economic to repair, it generates a total-loss report with PAV for immediate settlement.


Key Benefit

Clear, immediate decisions shorten cycle times, improve client satisfaction, & reduce operational costs for insurers.

06

Data Sharing & Automation

Reports are shared in real time with insurers, repairers, and potentially clients. The system can automate repair approvals and parts ordering, embedding directly into insurer and repairer workflows.


Key Benefit

Transparency for all parties, reduced disputes, and a streamlined end-to-
end process that accelerates claim resolution.
Projected Impact

Opticar is designed to cut delays, reduce costs & improve accuracy — delivering better results for insurers, for repairers, and for drivers.

Opticar claims & repairs; transformation in numbers.

90%

More accurate AI-powered assessments deliver significantly higher accuracy than manual inspections, reducing errors & ensuring hidden structural damage is identified.

60%

Faster Claims cycle time is reduced from weeks to just hours, dramatically improving customer satisfaction and enabling insurers to process more claims in less time.

80%

Lower Claim Resource Costs Opticar provides New Zealand insurers with an estimated $90million (80%) reduction in claim assessment wage costs alone, this does not take into account greater claim cost accuracy, fraud detection and other benefits that will provide significant savings.

35–45%

Less fraud Consistency checks powered by AI flag and reduce fraudulent or exaggerated claims, protecting insurers from unnecessary payouts. The NZ Insurance Council (ICNZ) and Insurance Fraud Bureau NZ (IFB) estimate 10% of those claims are fraudulent (whether soft or hard fraud) resulting in $140million in claims leakage annually due to fraud. Opticar represents an estimated $63million reduction in Fraud.

50%

Higher repairer efficiency Automated approvals and instant parts ordering streamline repair workflows, shortening downtime for customers and getting vehicles back on the road faster. Claims cycle time is reduced from weeks to just hours, dramatically improving customer satisfaction and enabling insurers to process more claims in less time.
Interested in learning more about Opticar?

Opticar is redefining vehicle claims by delivering instant, accurate, and fair damage assessments through AI-driven 3D analysis.

The inefficiencies in the current claims process represent a significant market opportunity. By developing this automated scanning & analysis solution, we’ll be able to drastically reduce claims assessment times from days to just minutes. Our technology provides the data needed 
for automated decision-making, repair 
plans, and even parts ordering, which can 
be fed directly into an insurer's system for immediate settlement.

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