50-State Department of Insurance (DOI) Directory & AI Oversight Tracker

Focuses on catastrophic storm claims handling, monitoring third-party aerial roof imagery in property underwriting, and enforcing timely claim dispute resolution.

Enforces Artificial Intelligence Systems governance programs under Bulletin B 24-01 while maintaining oversight of claim adjustment delays across remote territories.

Mandates licensed physician director review for automated health claims denials under HB 2175 and enforces prompt investigation standards under unfair claims rules.

Requires written insurer AI programs under Bulletin 13-2024 to prevent algorithmic bias while actively monitoring prompt settlement of storm-related property claims.

Enforces Bulletin 2022-5 and Cal. Ins. Code § 14021 against touchless auto adjusting, biometric claim surveillance, and unlicensed algorithmic claims processing.

Pioneered nation-leading algorithmic fairness mandates under SB 21-169 and Regulation 10-1-1, requiring carriers to conduct statistical testing to prevent algorithmic bias.

Requires annual AI compliance certifications under Bulletin MC-25 to ensure carriers proactively test and audit third-party algorithms for unfair discrimination.

Enforces Bulletin No. 148 holding carriers accountable for AI systems and ensuring algorithmic claim assessment tools do not evade unfair claims settlement standards.

Strictly enforces shortened post-catastrophe claims deadlines and scrutinizes automated desk-adjusting tools to curb unjustified property loss reductions.

Monitors insurer compliance with statutory claims response times and investigates consumer complaints regarding automated vehicle total-loss calculations.

Oversees catastrophe claim settlements following wildfire disasters while requiring verifiable audit trails for automated claim handling systems.

Protects consumer transparency in personal lines adjustments and examines insurer reliance on automated estimating software during market conduct reviews.

Audits algorithmic claims and underwriting models under Bulletin 2024-08 to eliminate systemic disparate impact and ensure strict prompt payment adherence.

Regulates insurer use of aerial imagery in property evaluations and enforces statutory clean-claim payment timeframes.

Enforces Bulletin 24-01 requiring documented insurer governance over predictive modeling and validation of third-party algorithmic claims adjusting tools.

Protects policyholders against arbitrary automated claim depreciations and upholds statutory prompt payment standards in property and casualty losses.

Implements Bulletin 2024-02 ensuring artificial intelligence systems comply with Kentucky's Unfair Claims Settlement Practices Act and avoid discriminatory outcomes.

Imposes strict statutory penalties for bad-faith delays in catastrophe claims and regulates insurer use of aerial imaging and algorithmic roof inspections.

Issued Bulletin 483 governing external consumer data and aerial imagery to ensure transparent notice and consumer challenge procedures in underwriting and claims.

Requires comprehensive AI governance and third-party vendor oversight under Bulletin 24-11 to prevent algorithmic proxy discrimination across claims operations.

Applies Bulletin 2024-09 to scrutinize predictive algorithms for demographic bias while strictly enforcing consumer protections under Chapter 176D.

Mandates written AI risk management protocols under Bulletin 2024-20-INS to prevent unfair discrimination in auto no-fault and property damage claims.

Monitors algorithmic decision systems during market conduct examinations and rigorously enforces statutory prompt settlement deadlines.

Scrutinizes automated adjusting tools during catastrophic storm recovery and enforces statutory prompt pay guidelines to prevent delayed claim payouts.

Actively participates in NAIC AI working groups while auditing carrier automated claims systems for compliance with Missouri prompt pay and vexatious refusal laws.

Enforces statutory unfair trade practices and bad-faith claim settlement rules while evaluating carrier algorithmic tools and consumer data privacy.

Enforces Unfair Claims Settlement standards and requires insurers to maintain written Artificial Intelligence Systems governance programs under Notice CB-142.

Protects consumers against deceptive claims practices and requires insurers deploying AI to implement comprehensive governance per Bulletin 24-001.

Enforces prompt claims investigation mandates and holds carriers strictly accountable for algorithmic decisions under Docket INS 24-009-AB.

Mandates prompt claim settlement compliance and requires formal AI risk management and anti-bias controls under Bulletin 25-01.

Investigates unfair claims settlement practices and monitors automated claims triage tools to ensure fair and timely adjudication.

Enforces nation's strictest AI claims and underwriting governance under Circular Letter No. 7 (2024), requiring empirical bias testing and external consumer data audits.

Applies unfair trade practices enforcement and Bulletin 24-B-12 to ensure transparency and accountability in insurer artificial intelligence systems.

Enforces statutory claim payment deadlines while developing tailored regulatory guidance based on the NAIC AI Model Bulletin.

Monitors unfair property and casualty claims settlement practices while assessing AI guardrails to protect policyholders from algorithmic errors.

Enforces the Unfair Claims Settlement Practices Act and Bulletin LH/PC 2024-02 to prevent automated claims settlement bias and improper denials.

Targets unfair claims settlement practices and issues regulatory guidance on artificial intelligence and consumer data protection.

Enforces Unfair Insurance Practices standards and Notice 2024-04 requiring insurers to maintain documented AI governance and testing frameworks.

Regulates unfair claim settlement practices and enforces Insurance Bulletin 2024-02 to oversee insurer AI systems and third-party vendor models.

Investigates improper claim settlement practices while actively formulating administrative guidance on insurer AI adoption and licensee accountability.

Enforces unfair claim settlement prohibitions and prompt pay deadlines while reviewing insurer utilization of automated claims processing.

Enforces statutory claims payment timeliness and monitors the integration of machine learning algorithms in claims handling.

Aggressively enforces Chapter 542 18% statutory penalty interest and Bulletin B-0003-26 requiring human-in-the-loop oversight and licensed adjuster accountability.

Enforces unfair claims settlement rules under R590-190 while monitoring insurer adoption of AI underwriting and claims automation systems.

Enforces fair claim settlement standards and requires insurers to implement comprehensive AIS governance programs under Bulletin 226.

Enforces market conduct standards and Administrative Letter 2024-04 requiring insurers to manage AI bias, governance, and vendor oversight.

Enforces unfair claims settlement rules under WAC 284-30-330 and requires insurers to maintain AI governance frameworks per TAA 2024-01.

Enforces unfair trade practices prohibitions and Bulletin 24-06 requiring comprehensive AI system risk governance programs.

Strictly enforces Section 628.46 30-day prompt pay requirements while applying NAIC AI guidance to carrier claims handling systems.

Enforces unfair claims settlement prohibitions under Section 26-13-124 while evaluating AI model governance and consumer fairness standards.

Enforces fair claim settlement practices and Bulletin 24-IB-02-05/21 mandating algorithmic transparency and bias mitigation in insurer AI systems.

Enforces unfair claim adjustment practices under Section 2716a and Rule 73 while tracking NAIC model guidance for AI implementation.