How it worksFrom accident to case closed — Moe does the work.
Five steps from accident to case-closed. You decide. Moe drafts, sends, tracks, and follows up.
Tell Moe what happened.
Two minutes of structured questions and one open prompt: in your own words, what happened. Moe collects the photos, the carrier offer letter, your policy declarations. You verify your identity once.
Drafted by Moe · Moe reads everything you upload and asks for what's missing.
Moe opens your case.
Your case gets its own email address. Your adjuster, body shop, and rental company all email there. Your personal inbox is copied on everything for transparency — but you never have to live in it.
Drafted by Moe · Moe sets up the case email, parses your policy, and identifies which workflows apply to your accident.
Moe drafts. You approve.
Every email, every demand letter, every supplement request — Moe drafts. You see it in the dashboard or over text. One tap to send. No autopilot. You stay the named author on every word that goes out.
Drafted by Moe · Every draft is labeled "Drafted by Moe for your approval." Moe doesn't speak for you legally.
Moe tracks and follows up.
Adjuster silent for seven days? Moe follows up. Rental cap about to expire? Moe files the extension. Appraisal clock running out? Moe invokes it. Carrier offer too low? Moe drafts a comp-backed response.
Drafted by Moe · Moe watches your case 24/7 and only pings you when you need to decide something.
Moe closes it out.
When recovery comes in, Moe verifies the carrier paid the right number. Moe tracks your deductible refund and closes the loop on diminished value, loss-of-use, and any supplement still in motion. Then your case closes. Moe will be here next time.
Drafted by Moe · Moe generates a one-page summary of what was recovered and what you saved.
What Moe does on its own
- Parses adjuster emails and document uploads.
- Drafts emails, demand letters, supplement requests.
- Tracks every deadline (rental cap, appraisal clock, statute of limitations).
- Follows up when your adjuster goes silent.
- Compares offers against live local market data, every time.
What only you can do
- Approve every outbound message before it sends.
- Decide on settlement offers (Moe analyzes; the call is yours).
- Choose which body shop you trust.
- Decide if you want to invoke the appraisal clause.
- Sign anything that requires a signature.
When Moe hands off to a licensed professional
Some cases need a person, not an AI. If your claim value crosses $50,000, if liability is genuinely disputed, if injury surfaces, if your carrier is acting in bad faith — Moe routes you to a vetted attorney or licensed adjuster in your state and hands them everything built so far.
Claimoe earns a referral fee from the professional network. You pay the professional's standard rates if you engage. We disclose this every time we make a recommendation.
Ready to hand it off?
Free to start. Upgrade only when you want Moe to do more.