The bill mandates that insurance claim denials be made by human professionals, prohibiting AI as the sole basis. The Office of Insurance Regulation can conduct examinations under certain circumstances.
If you operate in the insurance sector, you must ensure claim denials are reviewed by qualified professionals by [date] or face regulatory penalties.
What do these statuses mean? ▼
Affected Industries
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What This Means
Florida's new legislation requires that all insurance claim denials be made by human professionals, ensuring that automated systems like AI and algorithms cannot solely dictate these decisions. The Office of Insurance Regulation is authorized to conduct market conduct examinations and investigations under certain circumstances.
Key Provisions
- Decisions to deny claims must be made by human professionals.
- Prohibits using AI or algorithms as the sole basis for claim denials.
- The Office of Insurance Regulation can conduct compliance examinations under certain circumstances.
Latest Legislative Action
Died in Banking and Insurance
Compliance Checklist
Who: Insurance companies
Deadline: By July 1, 2026
Penalty: Regulatory scrutiny and potential penalties
Who: Insurance companies
Deadline: Ongoing
Penalty: Regulatory scrutiny and potential penalties
Who: Insurance companies
Deadline: By July 1, 2026
Penalty: Regulatory scrutiny and potential penalties
Related & Companion Bills
Full Legal Analysis
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