10 AI Tools That Tell You What Nobody Else Will
Insurance companies have mountains of risk data they've kept to themselves. We're building tools that flip the script.
Insurance companies have mountains of data about what goes wrong in life—and they've kept it to themselves for decades. We're building tools that flip the script, giving regular people access to risk intelligence before they sign, buy, or commit.
Here's what's cooking in the Opensure lab.
1. The Lemon-Policy VIN Scanner
You found a cheap luxury car on Craigslist and you're feeling smart—until you call your insurance company and discover the premium is double the car payment. This Chrome extension overlays on AutoTrader, Carvana, and Craigslist to analyze any vehicle's VIN against actuarial theft and repair data, warning you before you fall in love with something that'll cost you $150 extra per month to insure because it's on every car thief's shopping list.
2. Climate-Risk Real Estate Scout
Zillow will show you the kitchen counters and the mortgage payment, but it won't mention that insurers are fleeing the zip code or that FEMA is about to reclassify your future backyard as a flood zone. This tool ingests geological data, historical claim patterns, and carrier exit announcements to generate a risk heatmap for any address—because finding out your dream home is uninsurable after closing is a nightmare nobody deserves.
3. The Claim Fighter
Insurance denials are written in a language designed to make you give up, full of reason codes and vague medical terminology that leaves thousands of dollars on the table every year. Upload your denial PDF and this tool reads the specific reason code, cross-references it against your policy, and generates a perfectly formatted appeal letter citing the exact regulations and contract clauses that prove they owe you—TurboTax for fighting back.
4. Gig-Shield Contract Auditor
That moment between turning on the Uber app and picking up your first passenger? Your personal auto insurance doesn't cover it and neither does Uber—you're driving naked through a coverage gap that could bankrupt you. This PDF analyzer compares your personal policy against your platform contract, finds the exclusion clauses buried in the fine print, and tells you exactly which $12/month endorsement will keep you from losing everything in a fender bender.
5. Creator Liability Content Scanner
You can't afford a lawyer to review every video before you post, but you also can't afford a defamation lawsuit because you accidentally showed someone's license plate or made a claim about a brand that their legal team didn't appreciate. This AI watches your draft before it goes live, flagging privacy risks, potential defamation, and copyright matches at exact timestamps so you can edit first and lawyer up never.
6. The Med-Bill Ninja
Eighty percent of hospital bills contain errors and nobody tells you because the billing department gets paid when you don't notice. Snap a photo of your bill and this tool OCRs every CPT code, compares each line against Medicare reimbursement rates and fair health data, then generates a specific fight script—not generic advice, but the exact words to say when you call to dispute line 4 because they billed a Level 4 visit for what was clearly a 10-minute checkup.
7. The Lease-Hawk
That apartment has great photos and a reasonable rent—but the landlord has sued 40% of previous tenants for security deposits and there are 12 open 311 complaints for lack of heat in the building. This tool mines city complaint databases, building violations, and civil court eviction filings to generate a risk score before you sign anything, because the best time to learn your landlord is a nightmare is before you're legally bound to them for twelve months.
8. The Warranty Resurrector
Your dishwasher dies and you're already pricing replacements—except you bought it on a credit card that extends manufacturer warranties by a year and you completely forgot. Forward your email receipts to this digital file cabinet, and when something breaks, it scans the purchase date, the card you used, and the manufacturer's terms to tell you whether you're covered and exactly how to file the claim instead of spending $800 you didn't need to spend.
9. The Puppy-Lemon Detector
That adorable French Bulldog has an 80% chance of developing spinal issues that will cost you $12,000 over five years, and the pet insurance you're planning to buy after adoption specifically excludes hereditary conditions discovered after enrollment. This breed analyzer mines veterinary actuarial research to show you the real lifetime cost of any dog before you fall in love, plus which policies you need to buy immediately to avoid the pre-existing condition trap.
10. The Hidden-Benefit Wallet Scanner
The rental car agent is pushing the $30/day collision waiver and you're panicking because you can't remember what your credit cards cover—but your Chase Sapphire already handles theft and damage up to $50k if you'd just decline and walk away. This tool ingests the Guide to Benefits PDF from every major credit card, builds a searchable index of perks, and tells you exactly which card to use for any situation so you stop paying for coverage you already have.
Why These Tools Work
Fear of buying a lemon, fear of a denied claim, fear of the fine print you didn't read—these emotions drive action faster than any productivity feature ever could. We're not building efficiency tools; we're building peace-of-mind tools that surface information insurance companies have been hoarding for decades.
Low API costs. High emotional urgency. Viral shareability. And a genuine mission to stop people from getting blindsided by risks they never knew existed.
More coming soon.
Want early access? Join the waitlist or explore our developer platform.