Is Artificial Intelligence Changing Personal Injury Law?
Published on:November 27, 2017

Artificial Intelligence (AI) is starting to become much more common throughout the Internet. When you do an online chat with a sales representative from a retail company, there is a good chance that you are talking to a piece of AI software. You would not expect something as sensitive as insurance to utilize AI, but you would be surprised at what technology is up to these days.

What Is AI?

Artificial intelligence is software that can adapt its responses to the input and data it receives. A common example that most people are familiar with is a video streaming software recommending movies a person may like based on the feedback that have given other movies and their own movie watching history. Over time, AI comes to learn how to do processes more efficiently and it can help to customize a customer’s online experience.

How Is AI Being Used In The Insurance Industry?

The insurance industry has been using AI to help reduce the amount of time it takes to process a claim, and to answer basic customer questions through chat applications. Industry executives say that using AI has cut the claims process down from hours to seconds, and that is helping to lower the overall costs of doing business. Companies are also able to lower costs by having computers answer basic insurance questions instead of hiring people to answer those inquiries.

The Issue For Personal Injury Attorneys

Personal injury attorneys around the country are starting to learn as much about AI as they can, especially when the human element in processing a claim is being replaced by computer programs. The biggest issue facing attorneys is what to do when it comes time to challenge a claim where the decision was made by a machine? It is a problem that needs to be addressed immediately as some insurance companies are already using AI to make low level claim decisions.

The Laws Are Going To Need To Catch Up

The idea of using AI to make decisions is being used in a variety of ways. New driverless cars are being fitted with AI to adapt to changing road conditions, and even customer service kiosks at stores are starting to be populated only by machines run by AI. Throughout the country, civil laws regarding personal injury lawsuits involving AI are proving to be outdated and in desperate need of a modern overhaul. This new twist of AI being used in the insurance industry is only going to make the legal situation even more confusing.

Personal injury attorneys are starting to realize that they might have to face-off against a computer when they challenge an insurance claim in the future. As technology continues to bring personal injury law deeper and deeper into uncharted territory, lawyers are starting to go back to school to learn as much about these new developments as possible.