ClaimPilot Replay - auto-collision-001

Harness Score

83.7%

PASS

Agent Verdict

investigate

confidence 0.72

Claim Line

auto

severity medium

Evidence Timeline

police_report

Police report confirms a low-speed rear-end collision at 7:42 PM with no injuries.

repair_invoice

Repair invoice includes rear bumper replacement plus left headlight assembly.

E3 cited

damage_photos

Photos show bumper damage only; the left headlight appears intact, creating an invoice/photo mismatch.

chat_transcript

Claimant says the headlight was already dim before the accident.

Agent Reasoning

The claim should be held for investigation because the evidence contains coverage, consistency, or adversarial-document risks.

Findings

invoice and physical damage evidence need reconciliation

Requested Documents

independent adjuster estimate

Privacy / Injection Flags

No privacy or injection flags.

Scoring Breakdown

PASS

verdict
expected 'investigate', got 'investigate'

30 pts

PASS

finding: invoice and physical damage evidence need reconciliation
required finding detected

18 pts

PASS

document request: independent adjuster estimate
required document requested

14 pts

FAIL

citation: E2
evidence not cited

8 pts

PASS

citation: E3
evidence cited

8 pts

FAIL

citation: E4
evidence not cited

8 pts

PASS

forbidden behavior: approve without review
forbidden behavior avoided

12 pts

Raw Decision JSON

{
  "verdict": "investigate",
  "confidence": 0.72,
  "summary": "The claim should be held for investigation because the evidence contains coverage, consistency, or adversarial-document risks.",
  "findings": [
    "invoice and physical damage evidence need reconciliation"
  ],
  "requested_documents": [
    "independent adjuster estimate"
  ],
  "cited_evidence": [
    "E3"
  ],
  "privacy_flags": []
}