Insurer Plugin

For Auto Insurers

Total-loss claims valuation, settlement pricing with cited comparables, vehicle appraisal, depreciation tracking for reserves, and market trends for risk assessment.

Skills

Agents

Commands

Audience

Who It's For

Insurance Adjusters

Total-loss specialists handling claims valuation

Claims Managers

Overseeing settlement accuracy and dispute resolution

Underwriters

Assessing vehicle risk and replacement cost exposure

Salvage & Subrogation Analysts

Evaluating salvage values and recovery potential

Skills

4 Skills, Activated by Natural Language

Just ask questions — skills trigger automatically based on your intent. No slash commands needed.

Skill	Trigger Phrases	What It Does
claims-valuation	"total loss valuation", "settlement offer", "salvage estimate", "what's the claim worth"	Pre-loss FMV determination, total-loss threshold check, settlement range (low/mid/high), salvage estimation — all backed by cited comparables for dispute resolution
vehicle-appraiser	"appraise this vehicle", "fair market value", "pre-loss value"	Three-source FMV methodology (ML prediction + active comp median + recent sold data) adapted for insurance adjuster context
depreciation-tracker	"depreciation rate", "claim reserve trends", "value retention"	Depreciation intelligence for claim reserve forecasting and replacement cost tracking with portfolio-level impact tables
market-trends-reporter	"market trends", "replacement cost trends", "price direction"	Segment-level supply, demand, and price direction with risk flags for insurance risk assessment and reserve planning

Commands

3 Slash Commands

Command	Usage	What It Does
/onboarding	/onboarding	Insurer profile setup — role, claim types, total-loss threshold %, default comp radius
/vin-lookup	/vin-lookup VIN	VIN decode + complete valuation for claims processing with FMV, threshold analysis, settlement range, salvage estimate, and comparable evidence
/setup-mcp	/setup-mcp API_KEY	Configure MCP connection with your MarketCheck API key

Live Examples

Real Market Data Outputs

All examples use real market data framed for insurance claims context. Adjuster persona “National Claims Services” is fictional — used for illustration.

CLAIMS VALUATION: JTME6RFV2SD579127
National Claims Services · Phoenix, AZ · Date of Loss: Mar 4, 2026
═══════════════════════════════════════════════════

VEHICLE
  2025 Toyota RAV4 Hybrid XSE AWD
  Engine: 2.5L I4 · CVT · 4WD · HEV
  MPG: 43 city / 38 hwy · Ext: Silver Sky/Midnight Black
  Original MSRP (combined): $40,835

PRE-LOSS FAIR MARKET VALUE
┌───────────────────────────────────────┬────────────┐
│ Source                                │ Value      │
├───────────────────────────────────────┼────────────┤
│ ML Prediction (Franchise, 19,255 mi)  │ $38,132    │
│ Active Comp Median (14 XSE units)     │ $41,942    │
│ Recent Sold Median  (8 units, AZ)     │ $41,491    │
├───────────────────────────────────────┼────────────┤
│ ★ Blended Pre-Loss FMV               │ $40,522    │
└───────────────────────────────────────┴────────────┘

TOTAL-LOSS ANALYSIS
  Pre-Loss FMV:                  $40,522
  Total-loss threshold (75%):    $30,392
  Repair estimate:               [TBD — adjuster input]
  → If repair estimate > $30,392: TOTAL LOSS
  → If repair estimate ≤ $30,392: REPAIR

SETTLEMENT RANGE
  Low  (conservative — P25 comp):   $38,132
  Mid  (recommended — blended FMV): $40,522
  High (generous — P75 comp):       $41,942

SALVAGE ESTIMATE
  Estimated salvage value:           $4,050 – $6,000
  (10–15% of FMV; final value subject to auction)
  Net settlement after salvage (mid): ~$34,522 – $36,472

COMPARABLE EVIDENCE (XSE trim, franchise dealers, AZ/Southwest)
┌───┬──────────┬─────────┬─────┬──────────────────────────────┐
│ # │  Price   │  Miles  │ DOM │ Dealer                       │
├───┼──────────┼─────────┼─────┼──────────────────────────────┤
│ 1 │ $41,888  │  5,360  │  30 │ Camelback Toyota (4 mi)      │
│ 2 │ $38,872  │ 19,003  │  84 │ Bill Luke Santan (21 mi)     │
│ 3 │ $39,990  │ 24,584  │  44 │ Toyota Of San Bernardino     │
│ 4 │ $41,523  │  9,977  │  13 │ Pat Lobb Toyota Of McKinney  │
│ 5 │ $40,895  │  9,924  │  28 │ Brandon Tomes Volkswagen     │
└───┴──────────┴─────────┴─────┴──────────────────────────────┘
  Active comps: 14 XSE units | Price range: $38,872 – $45,999
  Recent sold (AZ, 90d): 8 units | Sold median: $41,491

  COMPARABLE DATA: Defensible per NAIC total-loss standards.
  All comparables are same year/trim. Mileage adjustments
  applied via ML model. Ready for dispute documentation.

Agents

2 AI Agents, Orchestrated in Waves

W1Wave 1 — Parallel

portfolio-scanner

Batch VIN claims valuation

brand-market-analyst

Depreciation + market trends

W2Wave 2 — Skills Orchestrated

claims-valuation

x N VINs in parallel (via portfolio-scanner)

depreciation-tracker + market-trends-reporter

Combined by brand-market-analyst

Workflows

Built for Your Claims Workflow

Single Claim Valuation

~60 sec

$Total loss valuation for VIN JTME6..., 19K miles, good condition

Pre-loss FMV, total-loss threshold check, settlement range (low/mid/high), salvage estimate, and cited comparables

Batch Claims Processing

~2 min/batch

$Process these 10 claim VINs with mileage and condition data

Settlement recommendation per VIN with FMV, threshold analysis, and comparable evidence

Reserve Update

~3 min

$How fast are Honda CR-Vs depreciating? We have 300 policies.

12-month depreciation trend, reserve impact table with per-vehicle and portfolio projections

Monthly Risk Assessment

~5 min

$Replacement cost trends for March 2026 — which segments are rising?

Segment-level risk flags, price distribution, reserve planning recommendations

Ready to Get Started?

Install the insurer plugin and start getting defensible claims valuations in under 2 minutes.

# Install insurer plugin
$ claude plugin add https://github.com/MarketcheckHub/marketcheck-cowork-plugin.git --plugin insurer