How to Write an Auto FNOL Narrative from Facts Only
FNOL narratives fail when they write the claim. The model invents an injury, a speed, a police report number, and a "other driver admitted fault" line. You submit. The recorded statement disagrees. The job is a first notice of loss narrative from the facts you typed, with unknowns left unknown, and a not-claims-advice banner.
The matching generator is the Auto FNOL Narrative from Facts Only prompt. Browse related cards in the PromptDig library (Browse more prompts). When a filled narrative survives a facts check, share the version you actually use (Share a prompt).
Facts only. Sequence, not a theory of fault.
Document type is an FNOL narrative for intake, not a recorded statement and not a demand. Notes: date and time if known, location if known, vehicles as described, what the reporter saw, weather if stated, injuries only if stated, photos if listed. Setting: state or carrier process only if you named it. De-identify rules: extra passengers' full names if you want them out, phone numbers, license numbers unless the intake requires them and they are in Notes. Banner: not claims advice, not a liability determination. Audience: carrier intake, agency, or internal note.
The narrative should read in time order: before, during, after, only from Notes. If speed is missing, do not write "approximately 35." If the light color is missing, do not write green. If injury is not in Notes, write none reported in Inputs, not "no injuries" as a medical fact, unless Notes say no injuries.
Fault language: avoid. "The other driver ran the light" is allowed only as a quote of what the reporter said, labeled as reporter statement, and only if that sentence is in Notes. Do not upgrade it to a finding.
No invented injuries, report numbers, or witnesses
Injuries, airbag deployment, tow, and treatment may appear only from Notes. Do not add "neck pain later." Do not add an ER visit. Do not add a diagnosis.
Police report number, badge, and precinct: only if in Notes. Do not mint a report number. Do not say police were called if Notes are silent.
Witnesses: only names or descriptions in Notes. Do not add "several witnesses." Do not add a dashcam if Notes do not mention one.
Policy numbers, claim numbers, and VIN: only as pasted. Do not complete a VIN. Do not invent a coverage type (comprehensive vs collision) unless it is in Notes.
If photos are listed, mention that photos exist. Do not describe damage the photos "would show." Describe damage only as written in Notes.
Banner, open questions, and an intake you can stand behind
Not-advice banner at the top. This is an organization of the reporter's facts, not an opinion on coverage or liability.
Open questions: missing time, missing lane, missing whether anyone was transported, missing other vehicle plate, missing whether the vehicle was drivable. Print those so intake can ask. Do not answer them with likely.
Gaps: missing jurisdiction, missing whether a police report was filed, missing passenger count, missing weather. Print those.
De-identify extra. If Notes dumped a medical record number or a social, scrub list it. If the narrative is for a minor passenger, keep extra care: no extra identity, not-advice.
Banned words: guaranteed, at fault (as a finding), total loss (unless in Notes), invented percents of disability.
A worked pass: thin notes, Friday deadline
Say Notes have a date, a location description, two vehicles by color, a Friday deadline to call the carrier, and budget not approved for a rental yet. No injury line. No quotes from the other driver. The narrative can sequence the date and colors and the plan to call. It cannot add an injury. It cannot add an admission. It cannot add a rental authorization.
If later the reporter adds "airbags did not deploy" as a fact they stated, paste it and rerun. Do not keep a prior invented injury sentence.
Watch verb mood. Prefer reporter states, unknown, and not in notes. Avoid clearly, obviously, and must have. Those smuggle a theory.
Secondary structure: a one-paragraph narrative and a field checklist of missing items. The checklist is questions, not filled guesses.
Fill the card, then run
Paste only what the reporter said. Require the banner. Leave speeds blank if they were not given.
Document type: [Type]
Facts / notes paste: [Notes]
Jurisdiction or setting if any: [Setting]
De-identify rules: [DeID]
Not-advice banner required: [Banner]
Audience: [Audience]
An FNOL is a first notice, not a closing argument. When a run keeps injuries off the page because Notes never named them, share that filled card.