PLANETUN ORÇAMENTO
The third party photographs the car on a phone, AI estimates the repair, an adjuster validates and the offer follows the insurer's rules: repair at a partner body shop or a cash settlement. Luna talks and negotiates with the third party, and the adjuster steps in when the case calls for it.
Every day without a settlement with the third party means cost, rework and litigation risk. With Planetun Orçamento, they get a simple way to show the damage and receive a clear, explained offer on their phone, with no queue and no phone calls.
FNOL
The third party gets a link and photographs the car with guidance, with nothing to install. Severe cases follow the path the insurer already uses.
AI estimate, validated
The VIA agents flag each damaged area and build the estimate: parts, replacement, repair or paint, plus labor. An adjuster validates and approves it before the offer goes out.
Offer
Two options, always under the insurer's rules: repair at a partner body shop or a cash settlement.
Third-party portal
They see the estimate item by item and the body shops closest to them, and choose.
Evidence-based negotiation
If they disagree, the third party shows why: another body shop's estimate or a photo of damage that wasn't included. Luna runs the negotiation within the insurer's authority limit and an adjuster validates when needed.
Settlement
Acceptance and release signed on the phone. Then comes the payment order or the repair at the shop.
Insurer
The rules and limits are yours. A dashboard shows every case from FNOL to settlement, and every decision comes with the reason.
Third party
Resolves it on their phone, understands the offer and chooses between repairing the car and receiving a cash settlement.
Partner body shop
Receives the car with the estimate ready, through a link, with no login and nothing to install.
When the policyholder's car has a Planetun pre-insurance inspection, its history helps separate accident damage from what was already there.
Every case becomes a single record, with each version of the estimate, each dispute and the signed acceptance. The insurer tracks everything on one screen, and the result goes back to its system.
Request a demo and we'll show you the complete journey with your operation's rules.
