Insurance Companies Already Deploying AI Systems to Deny Claims Faster Than Ever Before

US personal-lines insurers are increasingly deploying AI to automate claims and prior authorization processes.

A NAIC survey found 84% of health insurers use AI for tasks like prior authorization, and 88% of auto insurers were using or planning AI by 2023.

AI systems can deny claims automatically due to clerical, form, or system errors, and six states are testing AI Medicare screening.

Twenty-two states have not adopted regulations for AI use in underwriting, leaving regulatory gaps.