Roamly.LABS / AI Research Incubator / Est. 2024
Where autonomy meets intelligence.
Roamly.LABS is an AI research incubator building the operating layer for autonomous mobility — agentic AI systems, FSD-aware underwriting, and insurance products designed for vehicles that increasingly drive themselves.
Focus Areas / Four Research Threads
Developing the operational layer to empower Professional Fleet Operators in the Autonomous Era.
Providing Fleet Management Software, Embedded Insurance, Telemetry, and AI Tools for Pros in the Ride Hailing, Ride Sharing, Taxi Operator Services and Rental Markets. Roamly.LABS innovates tools for the era of the Autonomous Entrepreneur.
Infrastructure for mixed-autonomy fleets.
Fleet-scale systems for ingesting FSD telemetry, orchestrating dispatch, and modeling utilization across vehicles ranging from fully human-driven to fully autonomous.
- TelemetryFSD ingestion
- Dispatchmixed-autonomy
- Modelingutilization & uptime
- PartnersOEM & operator
Multi-agent architectures that run the business.
Autonomous agents for incident triage, risk monitoring, customer support, and partner workflows. Agents that coordinate with each other — and with the humans who still sign things.
- Triageincident & response
- Monitoringanomaly & risk
- Protocolagent-to-agent
- Escalationhuman-in-the-loop
Insurance that negotiates itself.
Underwriting and pricing for FSD usage and claims handled by autonomous agents in real time. Coverage that re-prices based on FSD as risk changes. Claims that settle in hours, not weeks.
- Pricingdynamic · telematic
- Claimsagent-settled
- Riskreal-time rebalance
- Liabilityagent-to-agent
The coverage legacy carriers won't write.
Purpose-built insurance for vehicles running full-self-driving software. Human miles versus FSD miles, version-aware underwriting, and liability models for the L3–L5 transition.
- Decompositionhuman vs FSD miles
- Underwritingversion-aware
- TransitionL3 — L5 liability
- Productsrobotaxi & owner
Thesis / Why this lab, here
An AI lab needs a substrate. We already have one.
Most AI labs start with ambition and go looking for data. We started with over 400,000 vehicles and active policies, and a live NOC that reports Telematics around the world — and built a lab on top of it.
Roamly sits inside Outdoorsy, the world's largest RV and mobility rental marketplace. That gives us something research teams rarely get: a continuous stream of real vehicles, real drivers, real claims, and real regulatory surface area — the exact ground truth AI systems for mobility need.
Roamly.LABS is the team turning that substrate into products. Not demos. Not white papers. Products that underwrite policies, settle claims, and monitor fleets — autonomously, every day.
On the Bench / Research Threads
What we're actually building.
A snapshot of active projects across the lab. Some are in production, some are in partner pilots, some are in research. All are grounded in real data.
Claims Agent
First-party claim agent that triages, investigates, and settles eligible claims end-to-end. Median resolution under 6 hours on covered types. Human escalation for anything ambiguous.
NOC Incident Orchestrator
Agents that watch thousands of vehicles in real time, correlates weather, telemetry, and claims streams, and routes incidents to the right operator with full context pre-assembled.
FSD Mile Decomposer
Separates human-driven miles from FSD-engaged miles using telemetry features — foundational for pricing autonomy-era policies without relying on unreliable self-report.
Dynamic Policy Engine
Policies that re-price in near-real-time based on live risk features — geography, weather, vehicle state, driver behavior. Insurance as continuous negotiation, not annual contract.
Agent-to-Agent Liability
How insurer agents for different parties (OEM, operator, driver) can negotiate liability in autonomous-vehicle incidents without human intermediation. Protocol-level work.
Fleet Utilization Optimizer
Multi-agent system for dispatching mixed-autonomy fleets — balancing human-driver utilization against robotaxi availability and insurance-cost gradients across routes.
F.04 / FSD Coverage · Robotaxi
Insurance for cars that drive themselves.
As vehicles transition from L0 to L5 autonomy, the traditional carrier model breaks down. Roamly.LABS is purpose-built for this shift — underwriting and claims that distinguish human miles from FSD miles, version-aware pricing, and liability models designed for the machines actually driving the fleet.
F.01 / Claims Agent · Live
Agentic AI that Learns and Integrates into Operations.
The Claims Agent detects an impact from live telemetry, assembles context from the vehicle, scene, and policy, and transmits a complete FNOL package to the carrier — often before the driver has stepped out of the car.
Detect. Assemble. Transmit.
A multi-agent pipeline reads impact, airbag, and telematics signals, cross-references policy and FSD state, and pushes a fully-formed FNOL directly into the carrier's ingestion — with the driver in the loop, not chasing paperwork.
Live / Roamly.NOC
Every vehicle. Every second. Across the country.
Roamly.NOC is the live operating layer beneath everything the lab builds. Every model we ship, every agent we deploy, every pricing experiment we run — it all connects to the same telemetry, claims, and fleet streams the ops team relies on every day.
Which means research doesn't stay in notebooks. It becomes infrastructure.
- Live Mapfull covered fleet
- FSD Monitormiles per vehicle
- Claims Monitoragent vs human routing
- Incidentsweather · telemetry · driver
- Platform APIsresearch & partner access
By the Numbers / 90-day rolling
// Updated continuouslyPartner With Us / Lab & Platform
Building something adjacent? Let's compare notes.
We partner with OEMs, robotaxi operators, reinsurers, and AI teams working on adjacent problems. If you're building for autonomy-era mobility or insurance, we probably have data, infrastructure, or questions worth trading.
OEMs & Robotaxi
Fleet data, telemetry access, and policy pilots for autonomous vehicle programs.
Reinsurers & Carriers
Co-design agentic-insurance products. Share the risk, share the upside, share the data.
AI Labs
Shared research threads on multi-agent protocols, FSD-aware underwriting, and liability transfer.