An unreported claim is a deductible you are giving away.
Friday night's fender-bender is reported on Tuesday, photos arrive through three channels, the recourse expires silently. Backlane gets the driver to report in 2 minutes and holds the file end to end, through to rebilling.
Late reporting
Every day between the incident and the report damages the recourse and stretches the downtime.
The deductible never rebilled
The contract provides for it, reality forgets it: the deductible stays with the lessor half the time.
The scattered file
Photos on a phone, the form in an email, the estimate in a binder: when it is time to negotiate, nothing is together.
The Claims agent holds the file; you approve recourses. Every claim enriches the risk map.
See the agent →The driver declares at the roadside. You decide at the desk.
A claim declared three days later costs more than one declared straight away: the photos no longer exist, the other party has changed their story, the insurer applies a haircut. So the declaration starts on the driver's phone.
- Scans the QR code stuck inside the vehicle.
- Gets a six-digit code: no account to create, no password.
- Photographs the accident report and the damage.
- Says what happened out loud, ninety seconds maximum.
- Follows their case without calling the office.
- Attaches the declaration to the right vehicle and the right contract.
- Transcribes the voice note and drafts the declaration from it.
- Checks the files really come from this vehicle's driver, not from elsewhere.
- Drops a pre-filled card into your Feed.
- Never opens a claim on its own: the decision stays yours.
If speech recognition fails, the audio stays attached to the case and entry is done by hand. A brick falling over never loses the declaration.
Will my drivers really report in 2 minutes?
Yes, because it is the channel they already have: WhatsApp or the portal on their phone, photos and a voice message. Reporting friction is the first cost of a claim.
Does Backlane replace my insurer?
No: Backlane administers the files and measures the risk. Nothing changes with your current insurer, except the quality of the file you send them.
And breakdowns, outside claims?
Same channel: the driver reports, the file opens, the downtime is counted. A vehicle at the garage is a measured cost, not a month-end surprise.
No commitment. Nothing changes with your current tools or insurer.