佛罗里达州保险公司在处理休里卡内·米尔顿事件后的索赔时使用AI,引起人们对高拒绝率和缺乏透明度的担忧。 Florida insurers use AI in claims processing post-Hurricane Milton, sparking concerns over high denial rates and lack of transparency.

佛罗里达州保险公司越来越多地使用AI处理索赔,特别是在飓风Milton造成47亿多美元的损失和92 000次否认之后。 Florida insurers are increasingly using AI to process claims, especially after Hurricane Milton caused over $4.7 billion in losses and 92,000 denials. 虽然公司说AI提高了效率,但佛罗里达州2024年46.7%的报销要求被拒绝率远远高于全国平均水平,引起了对公平性的担忧。 While companies say AI improves efficiency, Florida’s 46.7% claim denial rate in 2024—far above the national average—has raised concerns about fairness. 许多政策持有者, 如George Bustillo(George Bustillo), 报告认为自己被抛弃了, 并怀疑AI会助长不公平或不明确的否认, Many policyholders, like George Bustillo, report feeling abandoned and suspect AI contributes to unfair or unclear denials, though they’re often unaware if AI was involved. 立法者们以透明度和问责制问题为由,大力推行规定,要求在否认之前进行人性审查。 Lawmakers are pushing for regulations requiring human review before denials, citing transparency and accountability issues. 尽管自2019年以来只有三起与AI相关的投诉, 批评者认为, 随着AI在改变生命的保险决策中的作用扩大, Despite only three AI-related complaints since 2019, critics argue the true impact may be underreported as AI’s role expands in life-altering insurance decisions.