Florida bill seeks to bar AI-only insurance claim denials, mandate human review

Florida Senate Bill 202: Human Oversight in Insurance Claims

Florida's Senate Bill 202 is making headlines as it aims to change how insurance claim denials are handled. This new legislation is geared toward ensuring that final decisions on claim denials involve human oversight, rather than relying solely on artificial intelligence.

The Key Provisions

Under the proposed bill, insurance companies would be required to have a human review any claim that is denied. The bill mandates that these final decision-makers provide written affirmation of the denial, helping to add a layer of accountability and transparency to the process.

Additionally, the bill suggests that regulators will oversee this process. Such oversight is intended to ensure that companies adhere to the new requirements and to provide consumers with a clearer understanding of their claim status.

Who Will Be Affected?

This legislation could have a significant impact on policyholders seeking to understand the rationale behind their claim decisions. In a world where AI technology is increasingly common in many industries, this bill emphasizes the importance of human judgment in potentially high-stakes financial decisions.

Insurers operating in Florida will need to adjust their claims processes to accommodate this change. This may lead to longer wait times for claim finalizations, as human reviews will need to be factored into current practices.

Why This Matters

While the bill might seem targeted at enhancing consumer protection, it also raises questions about the balance between efficiency and thorough oversight. As artificial intelligence becomes more prevalent, legislative measures like this one may reflect growing concerns about the role of technology in our daily lives.

Overall, Senate Bill 202 highlights a shift towards incorporating more human decision-making in insurance processes, a move that could encourage more transparency in claim handling.

Original Source: https://beinsure.com/news/florida-bill-seeks-to-bar-ai-only-insurance-claim/