False Precision, Real Impact: How AI Drafted Claims Complicate Early Coverage Decisions

By: Karli Moore

September 24, 2026

The rise of AI is reshaping claims handling in unexpected ways.

In an article for Professional Liability Underwriting Society, Karli Moore explores how AI-generated pleadings, demand letters, and coverage arguments are creating new challenges for insurers. The article examines how "false precision" can complicate early coverage decisions, increase handling costs, and make it more difficult to distinguish genuine exposure from manufactured complexity.

Read the full article here.

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Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; or OBI National Insurance Company, a Pennsylvania insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.