Tokio Marine to use Tractable’s AI to help Japan’s drivers recover from car accidents

Tokio Marine on phone - using
  • It’s the first time that a major Japanese insurer has deployed an AI auto damage assessment solution to accelerate how quickly cars are returned to policyholders
  • Tractable’s AI understands and analyses every available repair decision, including recommended repair, paint, and blend operations, and labour hours
  • The deployment will result in faster, more accurate auto repairs, aided by AI

Tokio Marine, one of the world’s largest property and casualty insurers*, is to use an AI solution to process auto damage across its insurance operations in Japan, to help drivers recover more quickly from car accidents. 

The AI solution, created by Tractable, uses computer vision technology to look at photos of car damage, making sense of it as a human would, in near-real time. Tokio Marine will use the AI to understand the full range of repair decisions available to it, including recommended repair, paint, and blend operations, as well as the labour hours required. 

Using AI in this way accelerates how quickly insurers can remotely understand both what has happened to a car after an accident, and what needs to happen next – helping insurers and repairs to agree on repairs more quickly, and getting customers back on the road faster. It’s the first time that a major Japanese insurer has deployed an AI auto damage assessment solution in this way. 

Tokio Marine, Japan’s largest insurer**, has worked with Tractable since 2018, with the ambition of improving appraisal operations that require complex visual assessments with a solution based on computer vision. After successful trials of the AI, Tokio Marine will now use Tractable’s technology at one of its claim service centres from April 2020, with the potential to deploy it across the country. 

Tokio Marine Group Deputy General Manager Hidenori Kobayashi said: “In Japan, after an accident it can take 2-3 weeks to determine the amount that should be paid. By using Tractable’s world-leading AI to assess car damage, we expect to shorten that time considerably, cementing our position as a company proud to pioneer new technology that transforms the claims journey for our customers.” 


Read More: How Tractable is revolutionising insurance with AI


As well as Japan, Tokio Marine operates across Asia, the Americas and Europe.

Alex Dalyac, co-founder and CEO, Tractable, said: “We are honoured to be selected as the AI partner by one of the world’s largest insurers. We see this as testament to the quality of our technology, the maturity of our solution and trust in our people. Computer vision is accelerating accident recovery; the technology is here, it’s on the ground and it’s making a difference.” 

The announcement indicates the recent global growth of Tractable, which is headquartered in London, UK. Since being founded in 2014, Tractable now works with major global insurers in 11 countries across three continents, and recently opened a 10-person office in Tokyo to meet Japanese demand for its AI solutions. The company also has an office in New York, and now employs 100 people worldwide. 

Tractable’s AI uses deep learning for computer vision, along with machine learning techniques. The AI is trained on many millions of photos of car damage as well as human appraiser decisions, and the algorithms learn from experience by analysing a large variety of different examples. 

Tractable’s AI is used by the world’s largest insurers to help their clients recover from accidents and disasters, including Ageas, one of the largest auto insurers in the UK, Covéa, the largest auto insurer in the French market, and Talanx-Warta, the second-largest auto insurer in Poland. 


Bekki Barnes

With 5 years’ experience in marketing, Bekki has knowledge in both B2B and B2C marketing. Bekki has worked with a wide range of brands, including local and national organisations.

The Future of Smart Buildings: Trends in Occupancy Monitoring

Khai Zin Thein • 12th June 2024

Occupancy monitoring technology is revolutionising building management with advancements in AI and IoT. AI algorithms analyse data from IoT sensors, enabling automated adjustments in lighting, HVAC, and security systems based on occupancy levels. Modern systems leverage big data and AI to optimise space usage and resource management, reducing energy consumption and promoting sustainability. Enhanced encryption...

The need to weave agility throughout the business

John Craig Swartz SVP at POWWR • 11th June 2024

With geopolitical tensions, more extreme weather events and the legacy of a global pandemic, it is more difficult for energy suppliers to preserve their margins and remain competitive than ever before. To thrive in the current climate, it is imperative that a supplier makes marginal gains wherever they can. Profitability within the sector today hinges...

Artificial general intelligence is closer than expected

AI expert Stuart Fenton • 10th June 2024

Whilst most of the attention around artificial intelligence (AI) thus far has been on ChatGPT, it is just the tip of the iceberg. In many ways, ChatGPT shouldn’t be thought of as true AI as it is – at its heart – just generative, learned behaviour. The future of AI, in contrast, is a system...

The State of Data Streaming

Confluent • 06th June 2024

Confluent survey: 90% of respondents say data streaming platforms can lead to more product and service innovation in AI and ML development 86% of respondents cite data streaming as a strategic or important priority for IT investments in 2024 For 91% of respondents, data streaming platforms are critical or important for achieving data-related goals

The State of Data Streaming

Confluent • 06th June 2024

Confluent survey: 90% of respondents say data streaming platforms can lead to more product and service innovation in AI and ML development 86% of respondents cite data streaming as a strategic or important priority for IT investments in 2024 For 91% of respondents, data streaming platforms are critical or important for achieving data-related goals

Grant Funding Awarded to Advance Cancer Therapeutics Discovery

Dr Alan Roth • 04th June 2024

The CRUK (Cancer Research UK) Scotland Institute and Oxford Drug Design, a biotechnology company with core expertise in AI drug discovery, have announced that their joint application for the MRC (UK Medical Research Council) National Mouse Genetics Network (NMGN) Business Engagement Fund has been awarded.