USA Law and Practice Contributed by: Christina Culver, Rhonda Thompson and L. Michael Brooks, Thompson, Coe, Cousins & Irons, LLP
for multi-claimant situations; competing bills would partly roll back those changes and revive fee entitle- ments for insureds. Proposed Florida legislation would also bar AI from being the sole basis for a claim denial and require independent human review. At national level, the NAIC is advancing a registry for third-party AI model and dataset vendors and updat- ing its consumer privacy model law. For insurers, the practical effect is heightened documentation, govern- ance, and human-oversight expectations in claims handling, alongside continued adjustment of policy wordings to address AI, cyber, and litigation-funding exposures.
305 I NSURANCE L I T IGATI O N 2026
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