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Can insurance companies use AI to assess claims?

The emergence of artificial intelligence will enable insurance companies to automatically assess the costs of a damaged car without the need for human intervention.

We frequently discuss artificial intelligence in our articles, particularly in the context of cars, autonomous driving, and future technologies that will be integrated into our future models.

In certain models, such as DS or Volkswagen, AI is already evident, especially with the integration of ChatGPT. However, compared to the upcoming technologies, what we currently have is just a glimpse of what’s to come.

A Game-Changer for Insurance?

Looking beyond the automobile as a product, artificial intelligence will also significantly impact related areas, particularly insurance and the assessment of damages in car accidents. This has prompted a reader of Auto Plus magazine issue no. 1849, on newsstands this week, to ask: “Can insurers utilize artificial intelligence to assess auto claims?” To this, our expert Antoine Jacquot was unequivocal, stating: “Undoubtedly. Today, there are powerful digital tools that can automatically evaluate the cost of repairing a damaged car from simple photos, without the need for human intervention. Insurers could easily do this, especially with the implementation of e-report, which allows them to obtain images of the damaged vehicle in almost real time.”

The Legislature Lurking

Nevertheless, insurers are not at that stage yet and still rely on automobile experts. Changing legislation in this direction will require substantial work. “This is, however, strictly prohibited to them due to article L.326-4 of the highway code, which stipulates that only an automobile expert registered on the national list established by the Ministry of the Interior has the right to write a damage assessment expert report. This ensures the insured receives an estimate established by a neutral and independent third party,” highlighted the expert.

It’s clear that the use of AI to assess car claims isn’t a near-future prospect, and even if it were to happen eventually, there would likely be several stages of progress before complete automation without human intervention.

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