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Auto Claims AI

Total loss AI estimate — insured disputes AI appraisal

—NYDFS AI guidance + Local Law 144 enforcement

Regulatory exposure — commonly overlooked:
Carrier owns bad faith — AI vendor owns API SLA · Local Law 144 requires annual bias audit — Velaru receipts are continuous audit, not annual snapshot.

TAM / Exposure

$300B auto claims

Insurance lines

E&O · Cyber · Sector liability

Exhibit authority

New York AI Governance Pack — Auto Claims AI External Validation Pack

Global leaders

State Farm · Tractable · NAIC · NYDFS · NYC DCWP · Goldman Sachs · MetLife

Bad faith

AI lowball total loss — receipt of comparable analysis required.

Photo estimate

Tractable/Lemonade AI — visual hash in receipt

[New York] Financial capital

NYDFS regulates insurers AND banks — same receipt primitive for both books.

[New York] Hiring audit law

NYC AEDT law is template for other cities — receipt architecture scales municipally.

[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