Insurers increasingly use artificial intelligence and predictive models to price policies, handle claims, and flag fraud, according to the National Association of Insurance Commissioners. Telematics programs, apps, and plug-in devices that track how you drive add another layer by scoring some drivers and feeding the result into their rate.
For drivers, this can impact the policy price you are quoted, and how a claim gets handled after you file. The rules of how insurers use AI are still being developed, and how much protection you have when those systems get it wrong depends on your state.
Predictive models
Your driving record, your vehicle…
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