Rote is an AI-native insurance department for auto body shops that handles claim negotiations between shops and insurance companies. The company uses AI agents to file and defend shop claims by referencing technical repair data, helping shops recover denied revenue from undervalued repair cost estimates. Rote is part of Y Combinator's Winter 2027 batch and is based in San Francisco.
Rote
ActiveAI-native insurance department for auto body shops
Total raised
$500K
1 round
Stage
Seed
Jan 2027
Team
1-10
since 2027
Pricing
—
Founded
2027
San Francisco, United States
Agent-ready
—
AI-native insurance department for auto body shops
AI agents that file insurance claims on behalf of shops
Agents that defend and negotiate claims with insurers
Uses technical repair data to support claim arguments
Targets recovery of denied or undervalued repair revenue
Automates back-and-forth communication with insurance companies
References repair cost estimates to challenge undervaluations
Focused on the collision repair industry workflow
12/100
Early
MCP server
Public API
Webhooks
OAuth 2.0
SDKs
No public agent surfaces detected yet.
Jan 2027 Seed $500K ● Y Combinator
Capital network
$500K raised ·1 backer·10 network links
- Backers1
- Shared portfoliocompanies these backers also fund
- Extended networkfunds that co-invest alongside them
Federato
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Liberate
Reasoning AI agents that automate insurance sales, service and claims
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Gradient AI
AI risk analytics for underwriting and claims in insurance
AI AnalyticsAI Insurance
Qantev
AI claims management for health and life insurers
AI Fraud DetectionAI Insurance
Harper
AI-native commercial insurance brokerage for SMBs
AI AgentsAI Insurance
- What does Rote do for auto body shops?
- It acts as an AI-native insurance department, using AI agents to file and defend claims with insurers and recover revenue from denied or undervalued repair estimates.
- How does Rote argue claims?
- Its agents reference technical repair data to defend the shop's claims and challenge insurer undervaluations.
- Who is Rote for?
- Auto body and collision repair shops that negotiate with insurance companies and want to recover denied revenue.
- What stage is Rote at?
- Rote is an early-stage startup based in San Francisco and part of Y Combinator's Winter 2027 batch.
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