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Auto Claims AI

Total loss AI estimate — insured disputes AI appraisal

—AIDA (pending) + OSFI E-23 model risk

Regulatory exposure — commonly overlooked:
Carrier owns bad faith — AI vendor owns API SLA · Quebec Law 25 already strict on automated decisions — ROC catching up with AIDA.

TAM / Exposure

$300B auto claims

Insurance lines

E&O · Cyber · Sector liability

Exhibit authority

Canada OSFI E-23 Pack — Auto Claims AI External Validation Pack

Global leaders

State Farm · Tractable · NAIC · OSFI · RBC · OPC · AMF Quebec

Bad faith

AI lowball total loss — receipt of comparable analysis required.

Photo estimate

Tractable/Lemonade AI — visual hash in receipt

[Canada] OSFI banks

Canadian bank AI — E-23 model risk parallels SR 11-7.

[Canada] Bill C-27

AIDA when passed — early receipt infrastructure = compliance head start.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run insurance_claims_auto demo Regulatory calendar Download exhibit pack Verify independently