AI Compliance Risk in Insurance: Why Explainability Is Now a Regulatory Requirement
State regulators are accelerating enforcement on AI use in insurance, exposing carriers to fines and legal risk when decision models lack transparency.
March 23
Insurance Industry
Legislation & Regulation
Risk Management
Technology
California
Colorado
Florida
Georgia
Illinois
Illinois Assigned Risk Pool Posts 191% Combined Ratio Amid Trucking Fraud Concerns
Underwriting deficits and alleged fleet misreporting are straining Illinois’ commercial auto assigned risk market, with combined ratios nearing 200%.
March 2
Auto
Fraud
Insurance Industry
Legislation & Regulation
Litigation
Illinois
More Winter Storms Target Midwest, Northeast After $38B Blizzard Losses
New snow, ice, Arctic air, and potential flooding could generate fresh property and auto claims just days after a multibillion-dollar blizzard.
February 25
Auto
Catastrophe
Property
Risk Management
Underwriting
Illinois
Indiana
Iowa
Massachusetts
Michigan
Federal Judge Dismisses ‘Boneless Wings’ Consumer Fraud Lawsuit Against Buffalo Wild Wings
An Illinois federal judge ruled that reasonable consumers are not misled by the term ‘boneless wings,’ tossing a proposed class action but allowing the plaintiff time to amend the complaint.
February 19
Insurance Industry
Liability
Litigation
Illinois
Why Bloomberg Says Premium Caps Could Worsen the Homeowners Insurance Crisis
A Bloomberg editorial urges policymakers to focus on resilience, legal reform, and mitigation rather than capping rates or penalizing insurers as premiums climb nationwide.
February 6
Catastrophe
Insurance Industry
Legislation & Regulation
Litigation
Property
California
Florida
Illinois
Frozen Pipes Drive $628 Million in State Farm Water Damage Losses
New claims data shows freeze-related water losses remain a major severity driver, with average payments exceeding $30,000 and repairs stretching for months.
January 27
Catastrophe
Insurance Industry
Property
Risk Management
Illinois
Oregon
Tennessee
Texas
Washington
Excess Carrier Owes $13.8M Despite Contractor Settlement, Court Rules
The Seventh Circuit says partial causation by a contractor is enough to trigger excess coverage, even after a full settlement and release.
January 26
Insurance Industry
Liability
Litigation
Property
Risk Management
Georgia
Illinois
Indiana
Wisconsin
Federal Arson Charge Filed After Fire at Alton Insurance Office
Prosecutors allege the fire followed a dispute over a life insurance policy cashout, raising fraud and safety concerns for insurers and claims staff.
January 26
Fraud
Insurance Industry
Litigation
Property
Risk Management
Illinois
Ice Storm Strains US Power Grids as Blackout Risks Rise From Texas to New England
Grid operators warn of record winter demand and prolonged outages as ice damage, extreme cold, and emergency measures collide across multiple regions.
January 26
Auto
Catastrophe
Insurance Industry
Legislation & Regulation
Property
Connecticut
District Of Columbia
Illinois
Louisiana
Maine
Why Casualty Claims Are Harder to Settle in 2026 Despite Market Stabilization
Rates may be leveling off, but jury behavior, litigation funding, and documentation demands continue to drive claim severity and settlement complexity heading into 2026.
January 12
Auto
Insurance Industry
Liability
Litigation
Property
California
Illinois
New York
Texas
Human-in-the-Loop AI Becomes Essential in Claims Management Workflows
Claims teams can no longer rely solely on autonomous AI; embedding expert oversight improves accuracy, compliance and defensibility.
November 13, 2025
Insurance Industry
Legislation & Regulation
Litigation
Technology
California
Colorado
Connecticut
Illinois
Rhode Island
Cyber Insurers Confront Rising CIPA Litigation Over Web Tracking Tools
A California privacy law from 1967 is at the heart of a new wave of cyber lawsuits targeting businesses nationwide over common web tracking tools.
October 20, 2025
Legislation & Regulation
Litigation
California
Illinois
ACE American Targets Tech Firms in $500K Cyber Insurance Subrogation Case
A cyber insurance dispute is unfolding in federal court as ACE American Insurance Co., a Chubb subsidiary, seeks to recoup $500,000 paid in ransomware damages from two IT vendors it claims are at fault.
October 7, 2025
Insurance Industry
Litigation
Subrogation
Technology
Illinois
Massachusetts
New Jersey
Live Nation and Ticketmaster Sued for Enabling Ticket Brokers and Overcharging Fans
The FTC and seven states allege Live Nation and Ticketmaster enabled brokers to bypass ticket limits, reaping billions in fees while fans paid inflated resale prices.
September 22, 2025
Legislation & Regulation
Litigation
Risk Management
Technology
California
Colorado
Florida
Illinois
Nebraska
Wyndham Hotel Owner Accused of Orchestrating Vandalism Amid Insurance Dispute
The Wyndham Hotel owner is facing accusations of staging vandalism to claim $12.2 million in insurance damages, prompting a federal fraud countersuit by the insurer.
August 29, 2025
Fraud
Insurance Industry
Litigation
Property
Illinois
