VerifyAI vs Tractable

Tractable does not publish pricing. All prospective customers must request a demo through their sales team and negotiate enterprise contracts. Given their focus on large insurance carriers like GEICO and Tokio Marine, pricing is likely structured as per-claim or per-assessment fees at enterprise scale with annual commitments. The 3-6 month integration timeline (cited by partner Mitchell) means significant upfront investment before seeing any value.

VerifyAI charges $0.008 per verification with no platform fees, no monthly minimums, and no annual commitment. Volume pricing drops to $0.005 at 100K/month and $0.003 at 1M+/month. You can sign up, get API keys, and start integrating immediately without speaking to a sales team.

For fleet operators and smaller companies that need damage detection, Tractable's enterprise-only approach creates a significant barrier to entry. VerifyAI's self-service model means you can start verifying damage today and only pay for what you use.

Tractable's AI has been trained on hundreds of millions of vehicle damage images to produce detailed repair estimates. Their computer vision can identify damage across 80+ vehicle panels and parts, provide certainty scores for each assessment, and generate full repair cost estimates integrated with Mitchell's collision repair database. The system processes photos uploaded via a web app link sent to claimants, with all analysis happening in the cloud.

VerifyAI processes photos directly on-device using lightweight AI models, delivering 99.2% verification accuracy without requiring cloud uploads. This means faster response times, offline capability, and enhanced data privacy since photos never need to leave the device. VerifyAI focuses on damage detection (is there damage? where? how severe?) rather than generating detailed repair cost estimates.

The key difference is scope vs. speed: Tractable produces comprehensive repair estimates suitable for insurance claim settlement, while VerifyAI provides fast damage detection optimized for fleet check-in/check-out, rental returns, and operational workflows where you need to know immediately if damage exists.

Tractable integrates deeply with insurance industry platforms including Mitchell (estimating), Verisk (property), and Duck Creek (claims management). This makes it powerful for carriers already using these systems, but integration timelines are typically 3-6 months. Tractable's solution is delivered as a web app link that insurers send to claimants to upload photos — there is no native SDK for embedding in your own mobile app.

VerifyAI provides native SDKs for iOS, Android, React Native, and Flutter that can be integrated in hours with as few as 3 lines of code. The SDK runs on-device, so there's no dependency on cloud infrastructure or network connectivity. This makes it ideal for field workers, drivers, and operations teams who need to capture and verify damage in real time from within your existing app.

If you're building a custom fleet management app or logistics platform and want embedded damage detection, VerifyAI's native SDK approach is significantly faster to integrate. If you're an insurance carrier looking to add AI estimating to your existing claims workflow through Mitchell or Verisk, Tractable's deep integration with those platforms is more appropriate.

Tractable serves three main verticals: insurance claims (auto and property), automotive (dealerships and fleet remarketing), and salvage/recycling (partnering with LKQ to assess 10,000 salvage vehicles daily). Their AI produces detailed repair estimates, determines total loss, and processes property damage from natural disasters. The platform is purpose-built for insurance claim settlement workflows.

VerifyAI covers parking verification, vehicle damage detection, and proof of delivery across fleet operations, logistics, and property management. Rather than producing repair cost estimates, VerifyAI focuses on real-time verification — confirming whether a vehicle is damaged, properly parked, or a delivery is complete. A single SDK integration handles all verification types.

There is overlap in vehicle damage detection, but the products solve different problems. Tractable answers 'how much will it cost to repair this vehicle?' while VerifyAI answers 'is this vehicle damaged, and can we document it instantly from the field?' Choose based on whether you need claim settlement estimates or operational verification.

Tractable is one of the most well-funded and established AI companies in the insurance space. Founded in 2014, they achieved unicorn status in 2021 and have processed claims for 20+ of the world's leading insurers. Notable results include: Admiral Seguros processing 12,000 touchless claims with 90% requiring no human appraiser; GEICO using AI Review to auto-process 70% of estimates without human intervention; and LKQ recycling 300,000+ cars using Tractable's AI. The company has offices across 5 continents.

Tractable's deep partnerships with Mitchell and Verisk give them unmatched distribution in the insurance industry. Their technology has been validated at scale by some of the largest insurers in the world, and they continue to expand into property damage and automotive remarketing.

VerifyAI is a newer entrant focused on the fleet and logistics market rather than insurance claims. While it lacks Tractable's track record with insurance carriers, VerifyAI's self-service model, transparent pricing, and native SDK approach make it accessible to companies that don't have the budget or timeline for an enterprise insurance technology integration.