Overview

Wolmora Motors wanted to offer and manage car insurance directly through its own platform instead of sending customers to third-party insurers. The challenge was making one system work across the complete policy lifecycle, from generating a quote at the dealership to handling claims and renewals later. Customers expected quick quotes and easy access to their policy information, while the claims team needed better-structured accident reports. Wolmora needed one web app that could bring quoting, policy management, claims, payments, and renewals together without relying on disconnected tools.

Technologies Used

Reactjs
django
python
PostgreSQL
AWS
stripe

Project Highlights

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Instant State-Based Quote Generation And Automatic Policy Issuance Processes

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Centralized Dashboard For Complete Policy And Payment Data Management Tools

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Guided Claims Filing With Structured Real-Time Status And Claim Tracking UI

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Automated Renewal Reminders And Compliant Policy Cancellation Workflows Now

The Challenges

1

Wolmora sells vehicles across multiple states, where coverage requirements, eligibility rules, and pricing can vary. The quoting process had to identify the customer's state and apply the right rules before calculating a premium. Even a small pricing or coverage error could affect the customer experience and create policy issues. Wolmora needed quotes to be calculated accurately as soon as buyers entered their driver and vehicle details.

2

After a customer purchased a policy, key information was spread across billing, dealership, and underwriting systems. Payment records, vehicle details, and coverage limits were stored separately, making it difficult to provide one complete policy view. Wolmora needed the application to connect these records and present the information clearly without requiring customers or internal teams to switch between different systems across teams.

3

Accident reports often arrive with missing details, duplicate information, or photos sent through different channels. This meant the claims team had to spend time organizing submissions before an adjuster could review them. Wolmora wanted customers to follow a guided process that collected the right information, photos, location, and incident details in a consistent format before the claim reached the claims team before adjuster review.

4

Renewals and cancellations depend on important dates, policy status, and required actions. Missing a renewal reminder can leave a customer without active coverage, while an incorrectly handled cancellation can create compliance issues. Wolmora needed the platform to monitor every policy automatically, trigger reminders and warnings at the right time, and complete required cancellation steps without depending on manual spreadsheet checks.

Solutions by Bacancy

1

We built a state-aware quoting engine that checks coverage requirements and pricing rules when a buyer enters driver and vehicle details. It verifies eligibility, applies the applicable state requirements, and returns a quote within seconds. Once the buyer approves the quote, the platform can issue the policy and generate the required documents. As an insurance app development company, Bacancy designed the flow to reduce manual steps between quote approval and policy issuance for every state and customer.

2

We created a structured claims workflow that changes the information requested based on the incident type, including collision, theft, or weather damage. Customers can submit photos, location details, and incident information through guided steps. The application organizes the submission before it reaches an adjuster, reducing the need to sort through separate emails and attachments. Policyholders can also view claim progress directly from the same dashboard. It reduces review time for adjusters.

3

We built a centralized policy dashboard that brings coverage details, payment history, vehicle records, and endorsements into one view, even when the information comes from different backend systems. Our React developers built a responsive interface that keeps important policy details easy to find. The dashboard also highlights upcoming payments and coverage expiry dates, giving customers a clearer view of what needs attention without having to check separate portals. It also keeps the policy record in one place.

4

The platform monitors every policy for renewal dates and current status, then triggers reminders, payment attempts, and lapse warnings according to the policy timeline. This removes the need for teams to track dates manually. When a customer requests cancellation, the application runs the required checks before completing the process and records the confirmation. This helps Wolmora handle time-sensitive policy actions consistently across the platform. It also helps teams keep important actions on schedule.

Core Features

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State-Aware Instant Quote Generation And Issuance Tool

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Unified Policy And Payment Management Dashboard System

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Structured Claims Intake And Real-Time Tracking System

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Automated Renewal And Lapse Prevention Workflow System

No. of Resource

03

No. of Resource

Time Frame

April 2025 - Ongoing

Time Frame

Project Snapshot

Outcomes

3x faster policy lookup with all customer data in one dashboard across user account data.

100% of standard quotes issued instantly with no manual underwriting required at any stage.

50% faster claim intake through new structured submissions before adjuster review begins.

0 missed renewals since automated policy tracking went live across active policies today.

4x faster policy issuance compared to the previous manual process for customers at scale.

3 disconnected legacy tools replaced by a single unified quoting and servicing platform today.

Technical Stack

Frontend React
Backend PythonDjango
Database PostgreSQL
Cloud Infrastructure AWS
Architecture Microservices & Containers
API Communication REST APIs
Project & Issue Tracking Jira

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