ClaimChain

The Insight

India's motor insurance claims process is broken — not by technology, but by adversarial trust. Four parties (policyholder, workshop, surveyor, insurer) each maintain separate records with conflicting incentives. Workshops inflate bills by 20-40%. Surveyors face pressure from insurers. Policyholders feel cheated by everyone. The result: ₹37,000 average out-of-pocket gap per claim in a ₹1.13 lakh crore market.

My Approach

• ▸Mapped the full claim journey from accident to settlement, identifying where value gets destroyed at each handoff
• ▸Framed the core problem as "Four Parties. Four Truths. Zero Shared Record." — a trust infrastructure problem, not a feature problem
• ▸Made the deliberate technology choice of blockchain over a centralized database because no single party can be the trusted owner — the neutrality of the evidence layer IS the product
• ▸Designed a workshop-first GTM strategy leveraging the insight that workshops are single-person decision makers (low barrier) who pull surveyors, who involve policyholders, who pressure insurers (network flywheel)

What Was Built

• ▸Live MVP deployed at claimchain-mvp.vercel.app
• ▸Tamper-proof documentation: every damage photo hashed with timestamp, GPS, and device ID, anchored to blockchain
• ▸AI damage assessment: independent "third opinion" that's biased neither by workshop inflation nor surveyor filtering
• ▸Multi-party dashboard: each party views claim status through their own lens, backed by single verified truth

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The Outcome

• ✓Fully functional MVP with AI damage assessment and blockchain verification
• ✓TAM: ₹12,500 Cr (total value destroyed by disputes) · SAM: ₹1,320 Cr (urban, surveyor-mandatory) · SOM: ₹75-120 Cr (3-year target)
• ✓Live demo available for recruiters and investors to try

Reflection