In my last post, I shared six ways insurance companies are already using artificial intelligence (A.I.) to raise your premiums, delay or deny your claims, or give you far less money than you’re owed. I also explained how you can fight back.
Today, I want to talk about where this is all headed — how insurance companies might use A.I. in the future to take even more advantage of folks like you. And let me tell you, it’s not looking good for consumers.
A.I. (short for Artificial Intelligence) is still new, but it’s growing fast. And while some of it is exciting, a lot of it should worry anyone who’s ever had to file a claim after a car wreck, truck accident, workplace injury, or a slip and fall.
Big insurance companies are already jumping on the A.I. bandwagon, and they’re looking for every way they can to use it to make more money — often at your expense. Unless lawmakers step in and set some rules, it could get a lot harder for regular folks to get the fair compensation they deserve.
Here are six ways insurance companies might use A.I. in the future — and what it could mean for you:
1. They Might Use Your Personal Info Against You
What it means: A.I. could look at your health tracker, online activity, and even your social media to decide if you’re “too risky” to insure — or to charge you more for less coverage.
Example: If your Fitbit or Apple Watch shows you don’t sleep well or have a high heart rate, the insurance company might decide you’re at risk for heart problems and either raise your life insurance rates or deny coverage altogether.
2. They’ll Try to Predict How You’ll Act
What it means: A.I. could guess how you’ll behave during a claim — whether you’ll push back, hire a lawyer, or just accept a low offer.
Example: If A.I. thinks you’re likely to complain or fight a low payout, it may give you a lower offer just to test you. They might be betting you’ll still settle — especially if you’re in a tight spot financially.
3. You May Get Denied — and They Won’t Say Why
What it means: A.I. can make complicated decisions that even humans don’t understand. That means your claim could get denied, and no one can explain why.
Example: Let’s say you file a car accident claim. It gets denied, and all they tell you is “Your risk score was too high.” You ask why, but no one — not even the adjuster — knows exactly what the A.I. saw in your data.
4. They’ll Use A.I. to Negotiate Against You
What it means: Some insurance companies are already using A.I. bots to talk to people. These bots can “read between the lines” of what you say — and use it against you in negotiations.
Example: If the A.I. thinks you’re in financial trouble (maybe you mentioned hospital bills or needing money fast), it might offer you a smaller settlement quickly, hoping you’ll take it out of desperation.
5. They’ll Find Weird Loopholes to Deny Claims
What it means: A.I. could be trained to spot small mistakes or hidden rules in policies that most people (or even human adjusters) wouldn’t notice.
Example: You turn in your paperwork a day late, or one of your documents has the wrong date. The A.I. finds a little-known rule in your policy and uses it to deny your claim completely.
6. They’ll Raise Rates Before You Even File a Claim
What it means: A.I. might raise your insurance rates just because of what it “thinks” could happen — even if nothing bad has happened yet.
Example: Let’s say the A.I. sees that you live in a zip code with more drunk driving incidents. Even if you’ve never had a drink in your life, it might raise your car insurance because of where you live and who you know online.
So, What Can You Do About It?
This is serious stuff. A.I. could give insurance companies more power than ever to say no — without giving you a fair shot. If nothing changes, it could become much harder to fight back when you’re treated unfairly.
Imagine this: A family gets hit by a truck with bad brakes. They’re badly hurt and can’t work. The trucking company’s insurance knows they’re struggling financially, so they delay and delay, hoping the family will give up or take less than what they deserve.
That’s not fair — and it’s not right.
Here’s How You Can Protect Yourself:
- Keep good records. Write down everything — names, dates, bills, what happened, and when. Don’t throw anything away.
- Don’t sign anything without a lawyer. Some offers might seem “okay,” but once you sign, you could lose your right to more money later.
- Talk to a lawyer early. If you’ve been hurt in an accident, it’s smart to get legal advice before dealing with the insurance company. A good lawyer can spot the tricks and help you fight back.
If you or someone you love has been hurt and you feel like the insurance company is dragging its feet or playing games, don’t wait. Reach out. Even just talking with a lawyer could make a big difference in your case — and your future.
