state_legiscan_drain · NJ
Prohibits certain use of artificial intelligence in denying homeowner, automobile, and flood insurance claims.
September 14, 2026
Summary
If enacted, this bill would prohibit insurers from using artificial intelligence to deny homeowner, automobile, and flood insurance claims under specified circumstances, effectively requiring human oversight or review before an AI-generated denial is final. Insurers would need to revise claims-adjudication workflows to ensure AI is not the sole basis for denial, and consumers would gain protection against automated claim denials.
AI-generated summary · Sep 20, 2026. Verify with your compliance counsel before acting.
How this was generated
We record the exact prompt, model, and output for every AI response so it can be audited for accuracy.
Source: https://www.njleg.state.nj.us/bill-search/2026/A5494
Common questions
- What does "Prohibits certain use of artificial intelligence in denying homeowner, automobile, and flood insurance claims." cover?
- If enacted, this bill would prohibit insurers from using artificial intelligence to deny homeowner, automobile, and flood insurance claims under specified…
- When was it published?
- It was published on September 14, 2026.