Case Study · Dart Warranty Group

AI Claim Analysis Co-Pilot

Turning thousands of scattered warranty claim records into clear, conversational insight — so adjusters spend less time digging and more time deciding.

A
Show me all claims over $2,000 flagged for review this month, grouped by dealership.
AI
Found 43 claims across 12 dealerships. Westside Auto has the highest concentration (9 claims, avg. $2,640). Want a breakdown by failure type?
A
Yes, and flag anything trending upward vs. last quarter.
AI
Transmission-related claims are up 18% quarter-over-quarter. Summary and full record list ready below.

Client

DART Warranty Group

Built By

Augmantis

Industry

Auto Warranty / TPA

Solution Type

AI Claim Adjudication Agent
Executive Summary

Enterprise Claims Analysis
Redefined by Conversational AI

Insurance and warranty companies process hundreds of claims spanning both structured datasets and unstructured documents — repair invoices, warranty contracts, inspection reports, and damage photographs. Adjusters routinely wrestle with fragmented data asking questions like "Is the alternator covered?", "What's the claim balance?", "Any prior claims on this vehicle?"

To solve this, Augmantis built the AI Claim Analysis Co-Pilot powered by Amazon Bedrock Foundation Models, Agentic AI Workflows, and a Hybrid RAG architecture. The result: adjusters can ask questions conversationally, receive verified answers from both structured and unstructured sources, trigger backend business logic autonomously, and get fact-grounded insights — without touching a single report or database query.

🤖

Agentic AI Workflows

Autonomously executes backend Python functions based on adjuster intent — validating coverage, calculating reimbursements, and retrieving claim history.

🔍

Hybrid-RAG Architecture

Simultaneously queries structured enterprise databases and unstructured document stores to generate complete, context-rich responses.

🛡️

Fact-First AI Architecture

Every answer is grounded in verified enterprise data. The AI never assumes or fabricates — if information isn't in the data, it says so.

☁️

Serverless AWS Infrastructure

Built on AWS Lambda, Amazon EventBridge, and Amazon S3 Vectors — scales automatically while eliminating 90%+ of infrastructure costs vs. managed vector databases.

The Problem

Building an Enterprise-Grade AI
Claims Assistant

Four complex technical problems had to be solved before this could work at enterprise scale.

Challenge 01

Parsing Highly Complex, Unstructured Industry Documents

The Obstacle

Automobile warranty agreements and auto repair bills contain nested tables, inconsistent grids, handwritten remarks, checkboxes, signatures, and damage photographs. Conventional OCR extracts text but can't comprehend document layout — mismatching information, missing checkbox values, and ignoring handwritten notes.

The Innovation

Augmantis deployed Multimodal Foundation Models on Amazon Bedrock with Native Foundation Model Parsing and Hierarchical Chunking. The model interprets complex grids, handwriting, checkmarks, and damage photographs while maintaining document structure through spatial-aware prompting — achieving near 100% extraction accuracy.

Challenge 02

Eliminating "Helpful Hallucinations" in Financial Decisions

The Obstacle

LLMs are designed to be helpful — even when information is missing. In warranty claims, an AI might conclude that "Alternator" in a warranty document is covered based on general automotive knowledge, not the actual contract. This can lead to incorrect eligibility, reimbursement amounts, and repair approvals.

The Innovation

Augmantis implemented a Fact-First AI Architecture where every response is grounded in authenticated enterprise data before any AI reasoning occurs — coverage limits, authorized components, MSRP limits, claim balances, and repair receipts. If the data isn't there, the AI responds: "I cannot determine that from the contract."

Challenge 03

Runaway Cloud Costs and Vector Database Inefficiencies

The Obstacle

Early architectures used managed vector databases like Amazon OpenSearch Serverless for RAG. Effective — but at ~$700/month even when idle. This made the solution economically unfeasible for PoC environments and variable enterprise workloads.

The Innovation

Augmantis adopted Hybrid-RAG using Amazon Bedrock Knowledge Bases and Amazon S3 Vectors. Semantic embeddings in Amazon S3 enable serverless document retrieval with zero dedicated vector infrastructure. Folder-based vector filtering via x-amz-bedrock-kb-source-uri provides claim-level isolation — reducing AI infrastructure costs by over 90%.

Challenge 04

Multi-Tenant Data Security for the Dealer Portal

The Obstacle

The Co-Pilot serves multiple dealerships on a shared enterprise platform. Dealer A must never access Dealer B's claims. Relying on LLMs to enforce data access is a security risk — LLMs cannot provide deterministic, auditable security guarantees for enterprise data.

The Innovation

A Deterministic Security Wrapper under Zero-Trust architecture intercepts every authenticated request and auto-injects the dealer's unique ID into every database query — before data ever reaches the Foundation Model. AWS IAM, Bedrock Guardrails (prompt injection protection), and immutable audit trails complete the security layer.

The Solution

Engineering an Enterprise-Grade
AI Claim Analysis Co-Pilot

A cloud-native platform powered by Agentic AI, Hybrid-RAG, Multimodal Document Intelligence, and a fully serverless AWS architecture — built for accuracy, security, and scale.

Layer
01
AI & Agentic Workflows

Conversational Intelligence & Autonomous Tool Calling

Amazon Bedrock Multimodal Foundation Models power natural language understanding, document reasoning, vision, and conversational AI. The Bedrock Converse API enables Agentic Tool Calling — the AI autonomously invokes backend Python functions based on adjuster intent: retrieving claim records, validating warranty coverage, calculating reimbursement limits, and searching claim history before generating any response.

Amazon Bedrock Converse API Agentic Tool Calling Multimodal LLM
Layer
02
Retrieval Architecture

Hybrid RAG — Structured + Unstructured Retrieval

Claims intelligence exists across both structured databases and unstructured documents. The platform implements Hybrid-RAG that simultaneously queries: structured enterprise data (customer claim records, warranty registrations, coverage limits, claim balances, financial transactions, historical decisions) and unstructured enterprise documents (warranty contracts, mechanic repair invoices, inspection reports, damage photographs). By combining both sources into a single reasoning workflow, the AI generates responses supported by complete claim context.

Hybrid-RAG Amazon Bedrock Knowledge Bases Amazon S3 Vectors MongoDB Atlas
Layer
03
Document Intelligence

Multimodal Document Parsing & Vision

Warranty contracts and repair invoices contain complex grids, nested tables, multi-column layouts, checkboxes, handwritten notes, signatures, and damage photographs. Augmantis implemented Native Foundation Model Parsing with Hierarchical Chunking — processing documents by visual hierarchy, not raw text. Spatial-aware prompts enable the model to interpret table structures as key-value pairs, detect checkmarks and crosses, understand handwritten annotations, and correlate damage photographs with textual claim evidence.

Native FM Parsing Hierarchical Chunking OCR + Vision Spatial-Aware Prompting
Layer
04
Data & Storage

Financial-Precision Data Layer

MongoDB Atlas provides a high-throughput NoSQL data layer for customer profiles, warranty registrations, claim history, repair records, financial limits, and historical decisions. Amazon S3 Vectors with Bedrock Knowledge Bases provides serverless semantic retrieval — zero dedicated vector infrastructure. BSON Decimal128 is used throughout the financial pipeline to eliminate floating-point rounding errors in reimbursement calculations, MSRP limits, deductible values, and subclaim totals. Dynamic folder-level semantic filtering ensures every retrieval is scoped to the active claim only.

MongoDB Atlas Amazon S3 Vectors BSON Decimal128 Dynamic Data Isolation
Layer
05
Compute & Architecture

Fully Serverless, Event-Driven Compute

Backend services run as isolated AWS Lambda microservices — document retrieval, contract validation, claim analysis, coverage verification, financial calculations, and AI orchestration each in their own function. Amazon EventBridge decouples long-running AI reasoning from the frontend, enabling asynchronous processing without blocking the user interface. Direct AWS Lambda Function URLs bypass API Gateway timeout limits for deep AI reasoning tasks — large document analysis, complex claim investigations, and extended AI processing.

AWS Lambda Amazon EventBridge Lambda Function URLs Serverless
Security & Governance

Zero-Trust AI Architecture
Built for Enterprise

Enterprise AI requires deterministic security, not probabilistic protection. Governance is embedded into every architectural layer.

🔒 Multi-Tenant Data Segregation

Instead of relying on the LLM to determine access permissions, Augmantis implemented hardcoded agent-level database query filtering. Every authenticated request automatically injects the authorized Dealer ID into backend queries before any information reaches the AI.

  • Adjusters can only access claims explicitly assigned to their dealership
  • Cross-tenant data exposure is architecturally impossible
  • Unauthorized data never reaches the Foundation Model

🛡️ AI Guardrails & Firewalls

AWS Bedrock Guardrails protect the Foundation Model before prompts reach the reasoning engine — automatically blocking threats and keeping conversations within approved business boundaries.

  • Prompt injection attack detection & blocking
  • Prevention of out-of-scope, non-automotive interactions
  • Enterprise knowledge protection

📋 Immutable Audit Trails

Every AI interaction is automatically appended to immutable enterprise activity logs — providing complete transparency for governance, compliance, and regulatory reporting.

  • AI recommendations & reasoning captured
  • Backend tool execution logs
  • Human approvals & adjuster interactions
  • Full decision history per claim

⚙️ Zero-Trust IAM

AWS IAM enforces the Principle of Least Privilege across every AI micro-agent. Each microservice receives only the permissions necessary for its specific responsibility — combined with deterministic database filtering and serverless isolation for a complete Zero-Trust posture.

  • Granular IAM roles per microservice
  • Principle of Least Privilege enforcement
  • Serverless isolation between services
Business Impact

What Changed for the Team

An instantaneous, conversational, and highly structured insights engine replaces fragmented data seeking.

85%+

Reduction in Research Time

The Hybrid-RAG architecture provides precise coverage answers in a matter of seconds by rapidly synthesizing 30-page unstructured contract PDFs with structured database records (financials, history).

99.99%

Grounded & Auditable Answers

A Fact-First prompt architecture and "smart intent routing" guarantee that the AI never experiences coverage hallucinations. It only uses uploaded S3 legal papers and confirmed MongoDB data.

0

Context Switching Required

The Copilot eliminates the need to open numerous tabs by directly embedding line-item breakdowns and flawlessly structured coverage summaries into the adjuster's dashboard through the generation of clean, dynamic Markdown.

Adjusters now access enterprise databases and unstructured claim documents in natural language — getting verified policy details, warranty information, repair history, and coverage limits in seconds.

Fact-First AI Architecture prevents hallucinations by anchoring every response to validated enterprise data — eliminating AI-generated assumptions from financial decisions.

Serverless computing and event-driven orchestration eliminated the need for dedicated servers, reducing operational burden and enabling automatic workload scaling.

Zero-Trust multi-tenant security architecture guarantees complete dealer data isolation — cross-tenant exposure is architecturally prevented, not just policy-controlled.

BSON Decimal128 financial precision throughout the pipeline ensures lossless reimbursement calculations, MSRP capping, and deductible processing — every cent accounted for.

Immutable audit trails on every AI interaction provide complete regulatory transparency, governance documentation, and compliance reporting out of the box.

Technology Stack

Built On Production-Grade AWS

Every component chosen for enterprise reliability, security, and cost efficiency.

Amazon Bedrock
Bedrock Knowledge Bases
Amazon S3 Vectors
Bedrock Converse API
Bedrock Guardrails
AWS Lambda
Amazon EventBridge
Lambda Function URLs
AWS IAM
MongoDB Atlas
BSON Decimal128
Hybrid-RAG
Multimodal Foundation Models
Agentic Tool Calling
Native FM Parsing
Hierarchical Chunking
Ready to See Working AI?

From AI Strategy to AI That Actually Runs

No sales process. No deck. No long-term contracts. Just a direct conversation about what we'd build for your claims operation — and a working AI system in 4 weeks.

Innovate
Innovate
New Ideas
Develop
Develop
Quality Solutions
Deliver
Deliver
On Time, Every Time
Drive Success
Drive Success
Business Growth