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FNOL — Automate First Notification of Loss

FNOL

Automate the critical first step in FNOL insurance claims processing. The Damoov SDK detects crash events in real time using smartphone sensors, instantly generating a First Notification of Loss with precise impact data — speed, G-force, GPS coordinates, and a complete pre-crash driving record. No phone calls. No delays. No reliance on driver self-reporting.

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<60s

Crash-to-FNOL Time

50+

Data Points per Notification

Zero

Manual Reporting Required

24/7

Always-On Detection

How Automated FNOL Works

From crash event to claims notification in under 60 seconds — no driver action required.

Real-Time Crash Detection Triggers FNOL

The Damoov SDK continuously monitors accelerometer, gyroscope, and GPS data during every trip. When sensor readings match crash signatures — sudden deceleration, high G-forces, rotational patterns — the system identifies a potential collision event.

Within seconds of detection, structured crash data is available via API: impact severity, GPS coordinates, timestamp, speed at impact, and direction of force. This data package becomes the automated FNOL — delivered to your claims platform before the driver has even processed what happened.

<60s

Detection to Notification

50+

Data Points per Notification

Rich Data Replaces Manual Reporting

Traditional FNOL relies on policyholders calling in hours or days after an incident, providing incomplete and often inaccurate details from memory. SDK-powered FNOL eliminates this gap entirely.

Every automated notification includes: estimated speed at impact, G-force magnitude and direction, precise GPS coordinates, pre-crash driving behavior (braking, acceleration, phone use), the complete trip trace, and a severity classification. Claims adjusters receive a forensic-quality data package — not a confused phone call.

<60s

Sensor-Verified Fields

<1min

Report Available

FNOL Integration and Claims Workflow

Connect crash detection data directly to your claims management system for end-to-end automation.

Direct Claims Platform Integration

Live tracking data from the SDK provides the driver’s continuous GPS trace throughout the trip. When a crash event is detected, the exact location is captured with high precision — not an approximate cell-tower position, but a GPS coordinate from the smartphone itself.

This precise location data is critical for post-incident response: dispatching roadside assistance to the right spot, documenting the accident scene for claims, or establishing where the collision occurred relative to intersections, speed zones, or restricted areas. Location data is available immediately through the API alongside the crash event payload.
  • Guidewire Compatible
  • REST API & Webhooks

Zero

Crash to Claims Queue

Continuous

Manual Entry Required

Claims Cycle Time Reduction

Manual FNOL typically takes 24-72 hours from incident to first notification. With SDK-powered automation, the gap collapses to under 60 seconds. This acceleration compounds throughout the claims lifecycle:

Faster triage (severity data available immediately), faster assignment (location + circumstances are pre-populated), faster settlement (objective data reduces investigation time), and reduced fraud exposure (sensor-verified events are harder to fabricate or exaggerate). Insurers using automated FNOL report 30-50% reduction in total claims cycle time.
  • 30-50% Faster Claims
  • Reduced Fraud Exposure

24/7

FNOL Time Reduction

Timestamped

Claims Cycle Improvement

Why Insurance Teams Choose Damoov for FNOL

The only telematics SDK purpose-built to bridge crash detection and insurance claims automation.

Instant FNOL Generation

Crash detection triggers automated First Notification of Loss within seconds — pre-populated with impact severity, precise GPS location, speed, G-force data, and the complete pre-crash driving record. No policyholder phone call required. No 24-hour reporting delay. The claim enters your system the moment the incident occurs.

Fraud Detection Built In

Every FNOL includes sensor-verified crash data: actual G-forces recorded, true speed at impact, precise location, and objective driving behavior. Staged accidents, exaggerated claims, and fabricated incidents are immediately flagged when reported details contradict the sensor record. Claims teams get fraud signals at FNOL stage — not months into investigation.

Subrogation Evidence

The pre-crash trip record and impact reconstruction provide the data needed for subrogation decisions: who was at fault, what speeds were involved, what driving behaviors preceded the crash, and whether the insured driver’s actions contributed to or mitigated the incident. Objective sensor data strengthens recovery claims against third parties.

Severity-Based Triage

Not all crashes require the same response. The SDK classifies crash severity based on G-force magnitude, speed differential, and impact characteristics. Low-severity fender benders route to fast-track digital claims. High-severity impacts trigger immediate adjuster assignment and emergency response coordination. Your claims team focuses resources where they matter most.

Policyholder Experience

Automated FNOL transforms the claims experience for policyholders. Instead of navigating a stressful phone call while disoriented after a crash, the notification happens automatically. The insurer can proactively reach out — “We detected an incident, are you OK? Your claim is already open.” This reversal of the traditional claims initiation flow dramatically improves NPS and retention.

Platform-Agnostic Integration

The Damoov SDK runs on iOS and Android with no hardware required — just the policyholder’s smartphone. Crash data is delivered via REST API or webhooks in structured JSON format compatible with any claims management system. See the FNOL API documentation for integration details, or explore the full Telematics SDK platform. No proprietary hardware lock-in, no OBD dongles, no installation appointments. Deploy to your entire book of business through your existing mobile app.

Why Mobile Telematics?

Scale Globally Without Hardware

No devices to ship, no SIM cards to manage, no import logistics to navigate. Mobile telematics turns any smartphone into a powerful sensor — ready to collect high-quality driving data from day one, anywhere in the world.

Up to 70% Lower Cost Than OBD

Eliminate device procurement, installation, cellular plans, and ongoing hardware maintenance. Mobile telematics is a pure software model — no physical inventory, no replacement cycles, and dramatically lower total cost of ownership compared to on-board diagnostics (OBD) or GPS trackers.

Configure and Update in Hours

Forget firmware rollouts and device recalls. With mobile telematics, configuration changes and model updates go live in hours, not months — across your entire user base. And because modern smartphones pack powerful processors and advanced sensor arrays, you can run sophisticated algorithms on-device that no dedicated hardware tracker can match.

Connects to the Systems You Use Now

Stream telematics data into your fleet management, insurance, or mobility platform through well-documented APIs. No middleware, no custom connectors — just clean integration that fits your existing technology stack.

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Solutions Across Mobility Industries

Purpose-built telematics capabilities for fleet, insurance, mobility, and education verticals.

🚛

Fleet Management

Real-time location monitoring, driver safety scoring, and fleet-wide performance analytics.

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📦

Logistics & Delivery

Trip logging, driver behavior monitoring, and real-time speed and location tracking for every delivery.

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🚕

Mobility Platforms

Driver performance metrics, trip-level behavior analysis, and live location tracking for ride and mobility services.

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🛡️

Insurance

Driving behavior data for usage-based insurance, risk scoring, and claims evidence.

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🎓

Driving Schools

Student driving behavior assessment, lesson-by-lesson safety scoring, and progress tracking.

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🚌

School Transport

Real-time vehicle tracking, driver safety monitoring, and trip visibility for parents and administrators.

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🔑

Carsharing & Rentals

Vehicle location tracking, trip logs, and driver behavior monitoring for shared and rental fleets.

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