Auto / Bodily Injury
Auto Bodily Injury Claims AI — Medical Record Review
Motor vehicle files are multi-provider by nature — ER, imaging, physio, chiro, specialists, and prior history all in one PDF. OctopusLM turns it into a dated, page-cited chronology in minutes.
$0.10/page · $250/month unlimited · Custom team plans · HIPAA & PIPEDA compliant · Web-based, nothing to install
Why MVA and BI files break manual chronologies
A motor vehicle accident file is the hardest routine file to summarize by hand. The claimant sees the ER, a family doctor, a physiotherapist, a chiropractor, a massage therapist, an orthopaedic surgeon, a pain clinic, and a psychologist — each producing records in its own format, arriving in whatever order the custodian scanned them, with the pre-accident history mixed in. Building a reliable timeline from that takes hours; getting it wrong changes the value of the claim. See why multi-provider MVA files break chronologies.
What OctopusLM produces for a BI claim
Upload the file as received. OctopusLM returns:
- A dated chronology of every encounter across every provider, with diagnoses, imaging, treatment plans, and functional statements in order and a page citation on every line.
- A narrative summary of mechanism, injuries, treatment course, current status, and documented pre-accident history.
- Pre-accident and post-accident records side by side, dated — the raw material for a causation analysis. See Bradford Hill criteria explained.
- Word and Excel export for the claim file, the IME referral, the mediation brief, or the subrogation demand.
Ontario auto insurance: SABS, HCAI, OCF forms, LAT
OctopusLM is built by a Canadian company and handles Ontario Statutory Accident Benefits files natively:
- SABS medical records requirements — what has to be in the file and how it is organized. See our Ontario SABS guide.
- OCF-18 treatment plans and OCF-23 pre-approved framework — read alongside the clinical notes so approved treatment and actual treatment can be compared. See what adjudicators look for in OCF-18 and OCF-23.
- Licence Appeal Tribunal hearings — a cited chronology as the backbone of the medical evidence. See preparing medical evidence for LAT hearings.
US bodily injury files are processed under HIPAA-compliant infrastructure with the same workflow.
Subrogation and recovery
Subrogation demands live or die on the medical timeline: what was caused by the loss, what was pre-existing, and what was treated when. A cited chronology built from the full file gives the recovery team a defensible basis for the demand and a fast answer to the other carrier's pushback.
Who uses it on auto and BI files
| Role | Use |
|---|---|
| BI adjusters | Full treatment picture and pre-accident history before reserving and the first call |
| Accident benefits adjusters (Ontario) | SABS files, OCF forms, and IE referrals in one dated timeline |
| IME / IE physicians | Read the whole file in minutes; see the IME page |
| Defence and plaintiff counsel | A chronology that survives a challenge because every line cites a page — see when opposing counsel challenges your chronology |
| Subrogation / recovery | Cited causation timeline for the demand package |
Pricing
Run one real file at $0.10 per page. Individual professionals use $250 per month unlimited. BI units and accident benefits teams are priced as a custom Insurance & Legal plan with multi-user accounts, case sharing, and Bradford Hill causation analysis — book a 15-minute demo.
Frequently asked questions
How does OctopusLM handle records from many different providers?
Every page is read and every encounter is placed on one timeline by date, regardless of provider or the order the records were scanned. Duplicates — a consult that appears in both the family doctor's file and the specialist's — are identified by content, not header text.
Does it work with Ontario SABS and OCF forms?
Yes. OCF-18, OCF-23, and other HCAI forms are read alongside the clinical records, and their contents appear as dated entries in the chronology. The blog has detailed guides on SABS requirements, OCF forms, and LAT hearings.
Can it separate pre-accident and post-accident history?
The chronology is dated, so pre-accident records naturally sit before the date of loss and post-accident records after. The summary also calls out documented pre-existing conditions explicitly, with citations.
Is the output usable for a mediation brief or a LAT hearing?
Yes. Export to Word or Excel and the page citations carry through, so anyone reading the brief can check the source page for every asserted fact.
Is it a desktop tool?
No. OctopusLM is a web application — nothing to install. Records are encrypted in transit and at rest, processed in HIPAA- and PIPEDA-compliant infrastructure, and never used to train models.
Related reading from the OctopusLM blog
Article
Reviewing MVA Records: Why Multi-Provider Files Break Chronologies
Article
Ontario SABS Files: Medical Records Requirements
Article
HCAI OCF-18 and OCF-23: What Adjudicators Look For
Article
Preparing Medical Evidence for Ontario LAT Hearings
Article
Bradford Hill Causation Criteria Explained for Legal Nurse Consultants
Article
What Happens When Opposing Counsel Challenges Your Chronology
OctopusLM for other teams
Run one real file.
That's the fastest way to know if this is useful to you. Takes about five minutes, $0.10 a page.