In recent years, the process of handling car damage repair has speeded up considerably. Not so long ago, the period between a car crash and the moment the vehicle became available again, could easily take weeks. Currently, this period has been reduced to days because the waiting time is only a fraction of what it used to be.

For the insurance company the following activities are involved: receipt of the damage report, verification of the insurance policy, assessment of damage and repair quotation (no matter what line of business), an expert appraisal yes or no, and approval of the calculation. The expert bureaus play an important role in these activities and today insurance companies outsource the claims handling processes increasingly.

Costs lower, quality raises and claims are manageable

Posthuma Partners has made an important contribution to shorten this process by developing the Claims Management Filter®, CMF®, as a web service. CMF® is a validated software tool that makes it possible to efficiently control the damage repair process without losing grip on the cost level of the repair work. CMF® offers optimal control with savings in costs as well as in time without bringing the quality of the repair work down.

CMF® shortens the repair process and enhances efficiency and effectiveness of the damage repair as follows:

  • no unnecessary deployment of experts
  • assistance to experts: CMF®’s results provide guidelines
  • control of repair costs
  • manageability of damage repair

How does it work?

Posthuma Partners’ CMF® is software that combines two components: the technical part and the statistical part working together through actuarial and econometrical know-how.

The technical part consists of a number of qualifications and rules. This applies to any line of business but in the example hereunder we have chosen the automotive business because here results are optimal. An important factor for reaching such optimal results is that an enormous amount of standardized and computerized data is available in this industry.

In the case of car damages qualifications and rules comprise:

  • characteristics of the damaged object such as age and components to be replaced;
  • qualification and labor costs of (in this example) the repair shop replacements of components, spray-paint work, etc.

In the statistical part the repair cost is modelled with the assistance of econometrical techniques and mathematical models. Here, amongst others, explanatory variables are: cause of the collision and point of impact, brand, type and car’s year of manufacture, region and road number, etc.This makes it a software tool with high predictive power.

A damage repair calculation is compared with these characteristics and the theoretical cost outcome that uses estimated model parameters. To put it simply: do the costs of the repair remain within the test margins? To accomplish this, the client’s data are used to build up a database. This database serves as a basis for the statistical test and has been made self learning, incorporating ongoing results. The longer the statistical model is used, the better it will test taking into account changing circumstances. In this way business profitability increases substantially!


In CMF®, the damage repair calculation is compared with the technical and statistical analysis. Depending on that comparison, together with the decision rules set up at an earlier stage, a decision is made as follows:

A can the damage repair calculation be handled administratively, or

B should the damage repair calculation be completed by tele-expertise, or

C should the extent of the damage be assessed in person by an expert.

Conform these systematics business profitability will increase in the following way:

  • reduce physical expertise
  • optimalization of claims handling
  • better grip on repair shops
  • higher quality expertise
  • 'control buttons’ to professionalize the acceptation process/process of claims handling



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