An algorithmic decision is now part of the claim file.

Tokto records every prompt your claims, pricing, and adjuster teams run, ready for the claims lead, the GC, the state DOI, and the reinsurer.

What you get with Tokto

• Every algorithmic decision tied to a policyholder, an adjuster, a state filing, and a model version.
• A single record that the claims lead, the GC, and the DOI can read against the same evidence.
• Policy at the model: no adjustment outside the rate filing, no telematics data without consent, no policyholder PII past the boundary.
• AI used at the speed of the claim with the record the carrier needs.

How it works

Tokto sits inside every AI conversation at the carrier. The pricing model, the claim-triage co-pilot, the adjuster assistant — all become records at the moment of use. The record carries the policyholder, the adjuster, the state filing, the model, and the policy that applied. Practitioners get the speed; the carrier gets the trail.

When the claims lead asks who used what, when the GC asks about the rate filing, when the DOI asks for the model file, the answer is one query. The team uses AI; the carrier stays inside the filing and the consent.

What goes wrong without it

• A new tool gets used across two states before anyone notices. The DOI finds out in an exam.
• An adjuster assistant applies an adjustment outside the rate filing. The class action finds it first.
• Telematics data feeds a model with no consent capture. A state AG opens an enforcement.
• A claims unit's AI cost runs over by 10x in a quarter. Nobody can say where it went.