Abstract: A request is received from an insured member to process a claim for an incident. One or more specific insurance policies for the insured member are retrieved from a database and claim rules for each policy are retrieved from the database, producing one or more claim rules for the insured member. One or more claim questions are generated specifically for the insured member based on the one or more claim rules. One or more claim questions are sent to the insured member regarding an incident. One or more responses are received from the insured member in response to the one or more claim questions. One or more claim forms of the one or more specific insurance policies are selected based on the one or more responses and the one or more claim rules. The one or more claim forms are filled out based on the one or more responses.