Filing a car insurance claim usually starts on the worst day of someone's month. You're shaken up, your car is damaged, and most insurance apps open with a form asking for your policy number. Harborly is a concept auto insurer I designed to flip that order: safety first, then a clear answer to the question everyone actually has. What is this going to cost me?
Concept project. I designed the end-to-end mobile flow, the Harborly brand and all ten screens. The insurer, people and dollar amounts are fictional.
Report the accident. The flow opens with a safety check, not a form. After that, each screen asks for one thing: what happened, four guided photos, and the other driver's details, which you can scan straight off their insurance card. A progress bar shows how far along you are, and anything you don't have can wait.
Coverage, repair and payment. Before you submit anything, Harborly shows what you're covered for and the most you'll pay. Partner shops bill Harborly directly, so you never front the repair cost. After you file, a live tracker shows where your car is, who your claims guide is, and when you'll get it back.
Where the money goes. Most claim apps hide the math. These two screens put it front and center: first the deductible as a simple bar, then the final breakdown, where a $3,240 estimate minus your $500 means Harborly pays the shop $2,740. The app also explains, in plain words, how Harborly will try to get your deductible back from the other driver's insurer.
Design decisions. Plain words over insurance jargon: "the most you'll pay" instead of a policy term. One question per screen, 44 px touch targets and text that meets 4.5:1 contrast. Color that always means something: teal for progress, amber for what you pay, green only for good news. And the partner shop is Wonder Collision Center, the brand from my other case study, so the two projects show both sides of the same claim.