How Artificial Intelligence Can Hinder Your Efforts to Recover Damages after an Accident
AI is everywhere these days, including the use of AI in auto accident claims. Many insurers are using chatbots and virtual assistants to do the initial intake with a claimant. AI is also being used for damage assessment, accident reconstruction and automated processing of claims. In some instances, it can expedite a claim, with an insured receiving a payout without actual human intervention. But there’s also significant potential for wrongfully reduced payouts or even denials of claims.
The Widespread Use of AI by Insurance Companies
According to the National Association of Insurance Commissioners (NAIC), more than 80% of insurers polled said they currently use AI or machine learning in the claims process.
The Potential Dangers of AI for Auto Accident Victims
Though the research is somewhat limited, there is evidence of the following concerns regarding the use of AI in the initial claims process:
- The algorithms used by AI may have bias toward specific demographics based on historical data. That may lead to initial denials based less on the facts than on the claimant’s demographic makeup
- AI is not well-equipped to assess a value for intangible losses, such as loss of enjoyment of life, loss of consortium or companionship, or pain and suffering
- AI can often miss crucial details because it’s not designed to ask the right questions
- AI can be manipulated by insurance companies to minimize payouts and maximize profits
Can You Challenge the Determination Made by AI in Your Auto Accident Claim?
Yes. You can always ask for an independent evaluation of your claim by a live person. You’ll want to have as much documentation as possible. If your insurer refuses to comply, you should contact an experienced attorne
Let Attorney Michael De La Paz Help Protect Your Rights after a Texas Car Crash
At the Law Office of Michael R. De La Paz, we have more than 26 years of experience protecting the rights of personal injury victims in Harlingen, McAllen, Brownsville and Houston, across Texas and nationwide, including men, women and children who have suffered needless injury in Texas motor vehicle accident. We will use our considerable experience, skill, knowledge and resources to help you get the outcome you want. Free call, text or chat, 24 hours a day, seven days a week–https://delapazlaw.com/.
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