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About Hugh Terry & The Digital Insurer

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Services of interest

Arthur D. Little

Arthur D. Little has been at the forefront of innovation since 1886. We are an acknowledged thought leader in linking strategy, innovation and transformation in technology-intensive and converging industries. We enable our clients to build innovation capabilities and transform their organizations. ADL is present in the most important business centers around the world. We are proud to serve most of the Fortune 1000 companies, in addition to other leading firms and public sector organizations. For further information, please visit

Snapsheet mobile auto claims solution

In Action Summary

Launched in 2011 and based in Chicago, Snapsheet (formerly BodyShopBids, Inc) is a mobile claims solution tackling the traditional auto claim appraisal process – which is laborious and involves multiple steps that are inconvenient to insurance customers and costly for carriers and repair shops. Snapsheet acts as a white label platform for both motorists/drivers and auto insurance carriers such as USAA, MetLife and Hartford to validate and settle auto claims.

Snapsheet empowers auto insurance carriers to efficiently reduce the claims lifecycle for all parties thereby improving cycle times and customer satisfaction

Snapsheet’s claims platform ultimately enables insurance carriers, consumers and repair shops to re-imagine their claims process by automating much of the manual loss adjusting, claims appraisal and customer service that takes place as well as allowing users to file and publish short vehicle damage reports with photographs. Snapsheet then requests body shops in the near vicinity to provide certified custom estimates with repair costs. Customers can then work through the application with Snapsheet’s customer support team to schedule appointments with bodyshops of their choice.

How it helps?

  1. Insurance Carrier: Provides insurers with a white label platform technology to optimise virtual claims process.
  1. Insurance Customers: A mobile solution which helps in settling claims online. Simplified claims adjusting with reduced cycle time and increased customer satisfaction.
  1. Repair Facilities: Dedicated body shop support team to communicate with shops, adjusters and customers.

Ultimately, the traditional nature of submitting a claim is contributing to the old fashioned perception of insurers in addition to maintaining the cost structure that insurers must bear when processing claims. With Snapsheet (and others including CliamVantage), insurers will increasingly be able to deal with minor property insurance claims through image analysis and submitted descriptions.

To date, Snapsheet has received US$43.2m in funding and its business model is based on a fixed fee for each claims estimate.


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