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Devin Bostick
CEO and Founder at LuckyTruck
Devin Bostick is the CEO and Founder of LuckyTruck, a platform revolutionizing the trucking industry's insurance management process. With a background in Business Administration and Finance, Devin has honed his expertise through academic pursuits at institutions like Saint Joseph's University and the London School of Economics and Political Science.
Prior to spearheading LuckyTruck, Devin gained valuable experience in sales and business development roles at reputable companies like CoverWallet and Innit. His analytical skills were further honed during his tenure as an Analyst at Snowbridge Advisors and through an internship at CincyTech USA.
Devin invites innovative approaches to collaboration and partnership with LuckyTruck, emphasizing the importance of clear metrics and well-structured hypotheses. Contact [email protected] for any trucking insurance-related needs or opportunities to provide services that align with LuckyTruck's mission.
Highlights
I recently chatted with the CEO of a TPA to see if they wanted to partner and his reaction was that we're competitors.
Here's why Claimbrite is not a TPA:
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We aren't "hired" by the insurance company or company as a third party adjuster.
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We work with both claimants and insurance companies/companies as a mediator
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We use machine learning across 30,000 claims in order to provide impartial pricing analysis as well as guidance to both sides
Why does this work and provide an important layer to insurance claims?
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TPAs are incentivized to "low ball" claims which often "high balls" them by pissing off the claimant and getting them to hire a lawyer
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Lawyers charge 33-40% + other settlement fees, that immediately puts a multiple on every new dollar. Some hedge funds are buying these claims and acting as quasi lawyer firms now, seeking 3-4x per claims dollar. A % of that gets redistributed to the consumer - analogy wise, it's a PE multiple model through and through
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We charge a fixed rate regardless of outcome as a mediator. We don't go to trail/court, 95% of claims don't go to trial/court
The idea is that over say 1,000 claims, Claimbrite cuts out the need for personal injury attorneys on non-complex claims. PI attorneys provide an important service for complex claims. They often get involved on non-complex claims between:
a) there is money to be made
b) 90%+ of claims are not complex, so they have to do something, which becomes paper pushing
Why work with us? We're working with some of the most experienced adjusters out there who are experts at mediation. We also have state of the art claims evaluation models with over 8 years of crafting backing our process.
Like any space, changes happen. Claimbrite is simply a part of the evolution in how personal injury claims are processed. So you'll probably see less billboards by 2030 as we continue to scale. ;) again, nothing against PI lawyers, just certain practices and also the quantity/applications.
Like imagine getting injured and having an easy, fair, and amicable process, where you don't get lowballed or have to hire a lawyer, you simply get made whole, clearly understand the process, and get to move on with your life, not harbor this identity of claimant for 18-24 months, with depositions etc. yuck (again not talking about complex claims).
Unpopular topic to talk about, but an observation on employee vs. employer relationships over the last few years:
RIFs are a natural part of the business cycle. Companies over-hire due several factors such as systemic environment, non-systemic optimism, not understanding unknown unknowns etc. Essentially people and resources need to move in lock step to a degree depending on economic model.
Take cashflow for instance: 3 sources 1) operations 2) equity 3) debt - the river of cash ebs and flows changing the ability to support an org chart, circular in that requires org charts ability to support as well.
People also operate episodically where one period of time could be to support a family, focus on earning vs. learning, focus on work vs. lifestyle, on and on. Life style changes dependent upon beliefs, which are often shaped by the people and resources within an environment. Also in a high growth startup, people may like a certain type of org chart (size/layout) and certain types of tasks that are specific to a stage (like pre-rev or post rev) and phase in and out of sweet spot. Like if you're a growth investor vs. distressed investor -- different modality (metaphorically) or sales vs. account management, on and on...
I think that labor dislocation occurs between the input of an org chart and the jobs to be done at the product/service level as an output due to factors such as these.
Why I find this fascinating is that I think companies that don't have a healthy culture i.e. not clear I/O relationship where you start to see politics etc. Politics being from lack of separation between tasks to support jobs to be done and interpersonal relationships -- fascinating in that people in these environments imo have a tendency to hide that they aren't producing customer centric output, often because its unclear, lacking transparency.
Many reasons for politics but lack of clarity between tasks (roles/responsibilities) and overall company output goals create them.
So if RIFs are a natural part of the current human condition in supporting a business, there seems to be demand for more transparency in corporate org charts and more efficient channels to help employees find work whether to start a business, join another company etc.
i.e. if you end up with labor dislocation, how do you ethically and efficiently correct in a way that doesn't give up employee leverage to negotiate?
I think this is a really interesting problem - I haven't see a good solution to solve, but maybe I just haven't seen. Posting as unemployment, labor efficiency, GDP, etc. all tie into this. i.e.. if x % are dislocated for y%, how does that affect overall econ output? (not that work is everything but essential to support modern lifestyles).
I think there needs to be more trust between employer and employees on average - I've heard many cases of lack of trust. Perhaps it is Hanlon's law in that it is less ill intent and more lack of ability? Maybe a hybrid, idk.
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Mesh offers many advantages over other personal CRMs. Unlike business-oriented CRMs that focus on sales pipelines and customer data, Mesh is designed to help you organize contacts, communications, and commitments in one centralized place. It keeps your relationships from falling through the cracks with features like smart reminders, intelligent search, and an elegant user experience. Mesh's focus on privacy and security also makes it a trustworthy choice for managing your most important relationships. Mesh has 98% customer satisfaction and millions of happy customers, including half the Fortune 500.
Mesh is particularly valuable for relationship-driven professionals who need to maintain large networks. The app is popular among many industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. Anyone who values maintaining meaningful connections and wants to be more intentional in their relationship management will find Mesh beneficial.
Mesh offers competitive pricing in the personal CRM market. Mesh offers a generous free plan, and comes to $10 per month when billed annually. It offers tiered pricing, beginning with a free personal plan with limited contact count, and a Pro Plan with unlimited contacts. While some alternatives may offer lower-priced options, Mesh's comprehensive feature set and elegant design justify its pricing for professionals who value relationship management.
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