Underwriters and actuaries are less worried about AI taking their jobs. But maybe claims professionals and insurance agents should be more worried.

Those are the takeaways I pulled out of two of the dozen reports that piled up in my inbox over the last few months.

We gave more details of the first report, “2025 State of Pricing” report, published by hyperexponential, the providers of an AI-powered underwriting and pricing platform, in our recent article, Underwriter, Actuary Fears of AI Drop; Work Needed on Collaboration. The second one come from a survey report produced by virtual insurance agent Insurify about car insurance, “Insurify’s AI Report: 86% of Americans Would Trust AI to Help Them Buy Car Insurance.”

The media rep who forwarded the report to me as Carrier Management editor highlighted the headline statistic—and a related one revealing that more the two-thirds (68 percent) of 3,000 U.S. drivers surveyed in October said they would let AI automatically switch them to a cheaper policy if it saved them $1,000 a year.

Given all the talk about affordability issues this year, I wasn’t blown away by that. But these sentences in the report prompted a double take.

“More than half would trust their insurer to use AI to determine their insurance rate (53 percent) or process their claims (55 percent).

A smaller but sizable group would trust their insurer to use AI to approve and deny claims (40 percent) or determine which driver is at fault in an accident (38 percent).”

(Emphasis added)

Really? Four-out-of-10 wouldn’t have a problem with AI determining if they were at fault in an accident or with AI denying their claims?!?

Have these people ever been in car accidents? Have they ever tried to use AI?

My own personal experiences with AI would lead me to respond that AI needs help from humans to make appropriate decisions. And my experiences with auto insurance claims suggest that adjusters could use some help from technology to get the details straight.

Forty percent is not a majority, but it’s a high enough figure to give insurance professionals pause. And it brings to mind one the most-read feature articles Carrier Management published in 2025: “Future of Jobs: Claims Adjuster Among Fastest Declining Professions.”

Just as the Insurify’s statistics about car insurance claims handling captured my attention, that headline brought thousands of readers to our website to read our January 2025 article about the World Economic Forum’s Future of Jobs Report 2025, forecasting that insurance claims adjusters will rank among the fastest-declining roles by 2030, while tech-driven positions surge.

Ranking second on a list of the top 10 feature articles for the year, the “Future of Jobs” article is also the oldest article on our list.

1 AIG: Turning One Human Underwriter Into Five, ‘Turbocharging’ E&S

2 Future of Jobs: Claims Adjuster Among Fastest Declining Professions

3 5-Year Cost of Litigation Funding to Commercial Insurers Could Top $25B

4 War of Words

5 Why Insurers Struggle to Underwrite, Price and Reserve for Commercial Auto Risks

6 Why Progressive’s Customer Scores Lag State Farm, GEICO: J.D. Power

7 Lemonade: 700K Customers on the Car Waitlist

8 California vs. Florida: A Tale of Two Insurance Markets

9 Taking Back Negotiation: Why Claim Professionals Must Lead the Next Chapter

10 Bringing Positive Vibes Back to Personal Lines Insurance

The most recently published article, “5-Year Cost of Litigation Funding to Commercial Insurers Could Top $25B,” ranking as the third most-read feature for the year is already out of date. During the American Property Casualty Insurance Association’s annual meeting in Orlando in October, representatives of the firm that offered the $25 billion estimate of litigation funding costs for commercial insurers (EY), upped the figure to $50 billion, according to our sister publication, Insurance Journal (Related IJ article: “Can a More Unified Front Be Formed Against Legal System Abuse?“)

The world impacting insurance professionals is changing rapidly, and features about AI are garnering more attention from our readers than ever before. Last year, the two 2024 articles about AI that made the top 10 list ranked No. 5 and No. 10 (#5 Lemonade Exec: AI Getting the Right Claims to the Right Adjuster and #10 AI and APIs: Essential Tools for Zurich Insurance Group’s Digital Leap). This year, AI-themed features take the No. 1 and No. 2 spots on a ranking of 10 most-read 2025 features, with our article about AIG’s Investor Day presentation, “AIG: Turning One Human Underwriter Into Five, ‘Turbocharging’ E&S,” leading the list.

As the article reveals, Anthropic CEO Dario Amodei and Palantir CEO Alex Karp joined AIG CEO Peter Zaffino to explain how AIG is embedding AI into its core underwriting and claims processes in an end-to-end transformation aimed at growth, not just cost savings.

Karp said that insurance executives who ask, “Can AI outperform a human in what they do?” are asking the wrong question. The right question is, “Can AI make one human [perform like] five humans?” he said.

Embracing the spirit of change fueled by AI, I sought help in summarizing the CM’s Top 10 features list from several AI assistants. Linked below is an article with a summary that isn’t the output of any of them. Instead, after more than a dozen tries, it’s a combination of the best AI-generated results, with final corrections from a human editor who wasn’t entirely convinced that the AI tools got the details entirely right.

Related article: AI, Litigation Funding and Market Crosscurrents: What CM Readers Cared About in 2025

One tool, in fact, suggested that an article about a battle between litigation funders and insurers was actually about a price war between two Vietnamese airlines. (Insert your favorite astonished emoji.)

Like underwriters, claims professionals, actuaries and others working in the property/casualty insurance industry, we look forward to better results in 2026.