How AGA Pays You
We Don't Process Your Claim.
We Own It.
We’re not a TPA, and we’re not a factoring company. AGA operates on an Assignment of Claims model which changes everything about how you get paid. We don’t chase the insurer on your behalf. We’re the party they answer to.
AGA Owns the Claim.
You Mitigate the
Risk.
Once you submit, the insurer’s dispute is with AGA, not with you.
The Core Distinction
AGA Owns
the Claim.
Most companies in this space act as intermediaries. They process claims on your behalf, help you follow up with insurers, or advance money against what they hope the insurer will pay. In every one of those models, you’re still the claimant. The insurer still sees you as the party they owe. The fight is still ultimately yours.
AGA works differently. When your customer signs an Assignment of claim, they transfer their post-loss claim rights directly to AGA. AGA steps in as the legal claimant on that job. We pursue the insurer as the rightful owner of the claim, not as your representative.
That means the insurer’s dispute is with AGA, not with you. Their short pay is AGA’s risk, not yours to absorb, not yours. Their timeline is AGA’s problem to manage, not yours. You are paid the full invoice amount in 3-5 days and entirely out of the conversation.
Traditional TPA
Acts on your behalf
You remain the claimant. The TPA assists you, but disputes, short pays, and delays are still your exposure.
AGA AOC Model
Becomes the claimant
AGA owns the claim outright. Your exposure ends when you get paid. AGA takes on all insurer risk from that point.
Factoring Company
Advances against receivables
You take a percentage advance. If the insurer does not pay in full, you often bear the recourse risk.
AGA AOC Model
Becomes the claimant
AGA owns the claim outright. Your exposure ends when you get paid. AGA takes on all insurer risk from that point.
What Transfers and What Stays
The Customer Signs
One Form.
The assignment of claim form is the mechanism. The customer transfers their post-loss claim rights to AGA. Here is exactly what that means for you, the customer, and the insurer.
What transfers to AGA
What stays with the customer
What it means for you
The post-loss insurance claim on that specific job
Their insurance policy, coverage, and ongoing relationship with their insurer
You are paid in 3-5 days instead of 45-60
The right to collect reimbursement from the insurer
Their vehicle, their repair, their relationship with you
Short pays and disputes are AGA’s problem not yours
The right to negotiate, dispute, and litigate the claim
Their deductible obligation (paid directly to you as normal)
Full invoice amount paid regardless of what insurer pays AGA
All insurer-facing communication on that claim
Their choice of shop and any future repair decisions
You are done with the process once you submit
Important Distinction
AGA is not an insurance company, a public adjuster, or a third-party administrator. We don’t sell coverage, represent you to your insurer, or process claims on your behalf. AGA is a claims-funding and recovery company: when your customer assigns their claim to us, we become its legal owner and pursue the insurer in our own right. This distinction is what lets us pay you directly and take the insurer dispute off your hands, and it’s why your involvement ends the moment you submit.
The Full Claim Flow
Every Step.
Who Owns It.
The AOC model draws a hard line at step three. Before that step, you and the customer are involved. After it, only AGA and the insurer remain.
1
Customer
Assignment Of Claim signed
Before the work begins, your customer signs the Assignment of Claim form, transferring their post-loss claim rights for this specific job to AGA. Their policy, coverage, and insurer relationship are unchanged.
2
Shop
Job completed
You complete the full replacement on an eligible insurance claim. NAGS-standard pricing. Your standard process, exactly as you run it today.
3
Shop
Invoice submitted through AGA portal
The shop submits the invoice and job details. Eligibility is confirmed same day. This is the last action you take on this claim.
your involvement ends here
4
AGA
Eligibility confirmed and claim accepted
AGA verifies coverage type, job classification, pricing alignment, and state eligibility, then accepts the assignment and takes legal ownership of the claim. From here, the claim is ours.
5
AGA
You are paid in full
Your full invoice amount is paid within 3-5 business days. No deductions from the payment, no partial advances. Your full invoice amount, period.
Full invoice. No recourse.
6
AGA
Insurer billed as the rightful claimant
AGA submits the claim to the insurer as the legal claimant. All correspondence, negotiation, and dispute resolution happens between AGA and the insurer. You are not involved.
7
Insurer
Insurer pays, disputes, or short-pays AGA
If they short-pay, that’s AGA’s risk, not yours. If they dispute, AGA pursues resolution. Your payment is already settled and unaffected (for valid claims).
How AGA Compares
AGA vs. Every
Other Option.
Networks make you trade your rates and independence for speed. Factoring gives you speed but only part of your money. AGA is the only option that gives you full payment, fast, with the risk off your books.
Category
Preferred Network
Factoring
AGA (AOC)
Payment speed
45-60 days
Fast, but only partial advance
3-5 days. Full amount.
Amount paid
Network-adjusted rate
80-90% of invoice
100% of invoice
Short pay risk
Shop bears it
Often falls back on shop recourse
AGA absorbs the risk
Dispute handling
Shop fights it
Varies by agreement
AGA owns it entirely
Contract required
Yes, ongoing
Yes, with terms
None. Claim by claim.
Shop’s pricing control
Network sets rates
Shop sets rates
Shop keeps its rates
Ready to Try One Claim?
No contract. No network. One eligible job to see exactly how the AOC model works in practice.