Ratio AI Sign in

South African short-term motor

Fault, agreed in writing. One net payment at month end.

Ratio AI is the workspace. AVA is the assessor inside it. Each party’s account is taken on its own, weighed against the road duties and the file, then settled between insurers.

Open the workspace See the four stages
Example only. Not a live file.

InsuredThird party

Apportionment of Damages Act 34 of 1956. The percentage comes from the facts on the file, not from a default.

How a file moves

No opinion until the account is complete enough to test. People still sign.

  1. 01

    Information gathering

    Each party answers on their own file. Documents are chased until identification, narrative, evidence, and quantum are on record. AVA drafts the statement. She does not hint at fault.

  2. 02

    Credibility

    Conflicting versions are read the way a court reads them: credibility, reliability, probabilities. That read can tilt the next stage. It is not a fraud finding.

  3. 03

    Apportionment

    AVA writes the opinion: a percentage split, the rand position for each insurer, the duties and cases it rests on. Insurers accept, counter, or send it to arbitration.

  4. 04

    Monthly netting

    Agreed files between the same two insurers collapse into one net amount. One payment. Every line still traces back to an accident.

Inside the workspace

AVA assesses. Ratio AI holds the file.

AVA is the assessor you talk to in the workspace. She runs the stage work once the gate on that stage has passed. Staff still open the file, correct a fact, and send the opinion.