Why ClaimBuddy exists.

Personal injury claims now drive almost half of auto loss ratios. After a decade of rising medical costs, attorney involvement, and litigation inflation, the economics of bodily injury are no longer something a carrier can absorb quietly. It is the single most consequential line on the loss triangle.

The plaintiff bar has rapidly adopted AI. Demand letters are longer, more frequent, and more sophisticated. Software now drafts the narrative, attaches the records, and times the follow-ups. A single firm can issue thousands of packets a month, each one engineered to maximize settlement leverage.

The defense side has lagged. Most claims platforms are workflow tools — case jackets, diaries, payment ledgers — not reasoning tools. Examiners are still asked to read every page of every packet, hold the entire record in their head, and produce a defensible evaluation under time pressure. The asymmetry is real, and it is widening.

Julius and Justin saw the asymmetry from both sides. Julius had spent the prior two years building AI agents for personal injury law firms. He watched firsthand what plaintiff-side automation can do. Justin had built AI agents for insurance brokerages and understood the operational reality of carrier workflows — the integrations, the audit trails, the security reviews.

They started ClaimBuddy in 2025 to give carriers the same caliber of tooling. Not a workflow rewrite. Not a settlement-prediction black box. A focused reasoning layer that sits next to the examiner, ingests the same documents, and produces a sourced second opinion before the case goes out the door.

The product is co-designed with senior BI examiners at multiple top-tier US auto carriers. Every feature traces back to a real workflow: a flag a seasoned examiner would have caught, a fact buried on page 4,217 that changes the valuation, a billing pattern the firm has used on three prior cases. The goal is to make the strongest examiner on your team the baseline for every examiner on your team.

The company is based in Cambridge, MA. The team is hiring across engineering, applied AI, and customer-facing roles. If you have spent your career on the carrier side of personal injury and want to put what you know into a product, we would like to hear from you.