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AI adoption is reshaping complex P&C claims handling
Risk & Insurance says AI can cut medical-record review that once took hours or days to minutes, while helping flag inconsistencies that drive indemnity and expense leakage.
The property and casualty insurance claims industry is moving from planned AI pilots to active use in high complexity claim areas, with adoption accelerating in bodily injury evaluation, workers compensation claim management, and claims litigation, according to Risk & Insurance. In injury and workers compensation files, claims professionals often face thousands of pages of medical records, multiple provider narratives, prior injuries, evolving treatment plans, and attorney demands across different systems and formats. Risk & Insurance reports that AI is now organizing and analyzing this unstructured information to surface inconsistencies, identify potential severity indicators, and accelerate demand evaluation. The outlet says AI can compress what used to take hours or days of manual review into minutes, helping claims teams direct more time toward judgment, negotiation, exposure analysis, and resolution strategy. It also notes that AI can flag indemnity and expense leakage drivers earlier in the claim lifecycle, including duplicate billing, incomplete investigations, missed details, inconsistent evaluations, and excessive treatment durations. Risk & Insurance frames the shift as measurable AI value realization, as improving investigative precision and claims consistency can help organizations target ordinary leakage more effectively. The piece highlights that AI adoption is beginning to alter how claims are evaluated in some organizations as the technology becomes embedded in claims operations.