AI and the Future of Personal Injury Claims

Brandon Granda

Jan 07 2026 21:00

Imagine recovering from a car accident, hopeful for the compensation you deserve, only to be blindsided by a sudden denial of your personal injury claim. What's more shocking is learning that this decision may not have been made by a human but by an artificial intelligence model.

The rapid growth of AI in the insurance industry is significant and is reshaping how personal injury claims are assessed. This trend is not only transforming the industry but also impacting individuals on a personal level.

Highlighting Real-World Examples

The use of AI in insurance is not without controversy. Models like UnitedHealth’s nH Predict and Cigna’s automated systems have made headlines for allegedly overriding physician advice and denying claims in mere seconds.

Demanding Transparency

The importance of transparency in AI decision-making processes cannot be understated. Understanding how these systems work and demanding clarity from insurers is crucial for policyholders.

Challenging Unjust Denials

When faced with an AI-denied claim, a robust legal review process is key. Legal teams specialize in reviewing and appealing these decisions, aggressively fighting for the compensation that clients rightfully deserve.

Staying Informed

By following industry trends, lawsuits, and advancements in technology, legal teams can better serve clients and hold insurance companies accountable for their decisions.

Facing a denied claim, especially one potentially rejected by a machine, is undoubtedly disheartening. However, policyholders are not powerless. It's vital to seek a thorough review if you suspect your claim was unfairly assessed.