MCP For Claude Marketplace
Deductible Claim Decision Engine

Deductible Claim Decision Engine MCP Connector for Claude

A+

Evaluates whether to file an insurance claim or pay for repairs out-of-pocket.

4 tools Official Updated Oct 1, 2026 Official Vinkius Partner
More Details Connect to Claude

This MCP server provides decision-support tools to help users navigate insurance repairs. By using calculate_claim_feasibility, users can determine if a repair is covered. The evaluate_financial_impact tool compares the costs of self-paying versus filing a claim, including potential premium increases. Finally, generate_decision_worksheet provides a clear recommendation based on whether the user wants to minimize immediate expenses or long-term costs. It also includes check_claim_history_constraints to ensure policy compliance.

insuranceclaimsdeductiblefinancial-planningrepair-estimates

4 tools expose this connector's capabilities to your AI agent.

calculate_claim_feasibility

Determines if a specific repair is eligible for coverage based on the provided policy terms and estimate

check_claim_history_constraints

Validates if the user has sufficient "claim headroom" or if a new claim would violate policy terms regarding frequency

evaluate_financial_impact

Compares the financial outcomes of filing a claim versus paying out-of-pocket

generate_decision_worksheet

Produces a finalized recommendation and a list of next actions for the user

See how to talk to your AI agent using Deductible Claim Decision Engine.

I have a repair estimate of $1200, a $500 deductible, and a $2000 policy limit. Is this covered?

Yes, the repair is covered. The potential payout from your insurer would be $700.

Should I pay $800 out-of-pocket or file a claim with a $300 deductible and a $100 premium increase?

Filing a claim is the better option. The total cost of the claim is $400, which is $400 less than paying $800 out-of-pocket.

I've filed 2 claims this year and my limit is 3. Can I file another one?

Yes, you are eligible to file one more claim before reaching your policy limit.

The engine uses `evaluate_financial_impact` to compare the total cost of paying out-of-pocket against the net cost of a claim, which includes the deductible and projected premium increases.

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