Philipp Hartenfeller
| πΊπΈ | π¨π³ | πͺπΊ |
|---|---|---|
| OpenAI: GPT | Alibaba: Qwen | Mistral |
| Anthropic: Claude | DeepSeek | |
| Google: Gemini | MoonshotAI: Kimi | |
| xAI: Grok | MiniMax | |
| Amazon: Nova |
Models excel at different things — don't lock yourself into one provider.
You send a JSON array of messages, you get a text response back. This is just the messages part β the full request also includes model, and other parameters. Exact structure differs between providers.
=== What is a deductible? ===
A deductible in insurance is the amount of money you must pay
out-of-pocket before your insurance company starts to cover the
costs of a claim. For example, if your policy has a $500
deductible and you file a claim for $2,000, you would pay the
first $500 and the insurer would cover the remaining $1,500.
Deductibles are common in auto, health, and homeowners insurance,
and choosing a higher deductible typically lowers your premium.
Free-form text. Great for chat — but what about our relational world?
=== MODEL REASONING (excerpt) === Claim is $9,800 against a $10,000 limit β that's 98% of coverage. "Max-out" claims correlate strongly with fraud; flagging as a signal. Policy started 18 days ago. Industry baseline for first claim is ~180+ days. Early claims after policy inception are a classic indicator. No witnesses and no police report for a collision claim. Not proof of fraud on its own β could be a minor parking incident β but combined with the above, the pattern strengthens. Customer risk score is 85 vs. typical 40-50 for this segment. Worth weighting but shouldn't dominate the decision alone. None of these is conclusive individually. Together: 3 strong signals + 1 elevated baseline β cannot auto-approve, but evidence is not strong enough for outright denial. Right call is MANUAL_INVESTIGATION_REQUIRED and route to SIU.
=== FRAUD RISK ASSESSMENT === Overall Risk: HIGH Fraud Score: 82/100 Recommendation: MANUAL_INVESTIGATION_REQUIRED Risk Factors Identified: 1. [HIGH] Claim amount near coverage limit $9,800 claimed against $10,000 limit β fits "max-out" pattern. 2. [HIGH] Very early claim after policy start Filed 18 days in vs. industry average of 180+ days. 3. [MEDIUM] Elevated customer risk score (85 vs. typical 40-50) 4. [MEDIUM] No witnesses, no police report Suggested Actions: 1. Assign to special investigations unit (SIU) 2. Request police report and any dashcam/road camera footage 3. Cross-check prior claims across carriers via ISO ClaimSearch 4. Hold payment pending investigation
=== VEHICLE DAMAGE ASSESSMENT === Vehicle Identification: Brand (guess): Renault Model (guess): Megane Scenic Color: Black Damaged Parts: 1. Engine bay / front structural [SEVERE] Est. $5,000 Engine compartment crushed; likely radiator and frame damage 2. Roof front / A-pillar area [SEVERE] Est. $2,500 Buckled from impact, possible structural deformation 3. Front suspension / alignment [SEVERE] Est. $2,200 4. Front fenders [SEVERE] Est. $1,400 5. Hood [SEVERE] Est. $1,200 6. Front bumper [SEVERE] Est. $900 7. Windshield [SEVERE] Est. $700 8. Headlights, grille, doors… Est. $2,750 Total Estimated Repair Cost: $16,650 Overall Severity: TOTAL_LOSS
search_customers not
tool_1
do_everything), not too narrow
(get_user_first_name)
Message flow: β System prompt β User asked question β AI decided to call tool(s): DEMO_GET_CUSTOMER_INFO β System returned tool result for: DEMO_GET_CUSTOMER_INFO β AI provided final answer AI Final Response: Ashley Taylor (CUST-1000037), customer since 2022. Lives in Phoenix, AZ. Risk score: 38 (low). 2 active policies: β’ POL-AUTO-2024-00012 β Auto, $50k coverage β’ POL-HOME-2024-00018 β Home, $400k coverage Recent claims: 1 (status: closed, paid). Tool calls made: 1
DEMO_GET_POLICY_INFO — validate the policy exists and is activeDEMO_FILE_CLAIM — create the claim, return claim numberDEMO_ASSIGN_CLAIM — route to a specialist with appropriate priorityDEMO_SEND_EMAIL — confirm with the customer
Tool Calls Made by Agent: βββββββββββββββββββββββββββββββββββββββ Tool: DEMO_GET_POLICY_INFO Args: { "policy_number": "POL-HOME-2024-00001" } Result: Active. Coverage $400k. Holder: Robert Anderson. Tool: DEMO_FILE_CLAIM Args: { "policy_number": "POL-HOME-2024-00001", "claim_type": "Water Damage", "description": "Basement flood from burst pipe..." } Result: CLM-1000089 filed. Tool: DEMO_ASSIGN_CLAIM Args: { "claim_number": "CLM-1000089", "specialization": "Property", "priority": "HIGH" } Result: Assigned to Maria Lopez (Property). Tool: DEMO_SEND_EMAIL Args: { "to_email": "robert.anderson@email.com", "subject": "Claim CLM-1000089 received - urgent water damage", "body": "Hi Robert, we've filed your claim..." } Result: Email sent.
philipp@united-codes.com
Slides + demos available after the talk