How AI in Insurance Could Hurt Your Claim

One of the common questions we get is how is AI changing insurance claims? Is that affecting my value? Is that making it go up or making it go down? Well, the first thing you need to know is long before AI existed, insurance companies have been using technology to reduce how much you get. One of the first systems that came into play was something called Colossus. So, Colossus took the ICD codes, which is the code that the doctor uses in your medical bills and your medical records, which determines what type of injury you have. And Colossus would take all of that information from your records. It gets fed into the system, and then the system created a low, medium, and high number. Simple. Nothing else. It didn’t really look at your pain and suffering. It didn’t look at how it affected your life. It just said based on these codes, this is the value we’re going to give you and that’s the max. And of course, the adjuster always wants to give you the low number, but based on the attorney you hire, you’re fighting for the higher number. But for attorneys who really fight for their clients to get out of that system, you put it into litigation and that kills it, right? Because that’s what the insurance company and the adjuster are doing. When you put the case in litigation, it changes the game. And you can’t put it in litigation without an attorney. AI has taken it to the next level. So, it’s scanning all your medical records. It’s feeding all the information in, and it’s still doing the same thing that it’s always done. It’s trying to cheat you because again, remember, the insurance company is the enemy. They’re a for-profit corporation. Their goal is to pay you as little as possible so they profit as much as they can. Treat them as such. Hire a lawyer and fight back.