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With artificial intelligence risk of price increases for the rc car

2023-05-28T10:21:13.537Z

Highlights: Artificial intelligence that is creeping faster and faster into every aspect of daily life, risks destabilizing the insurance market. This is supported by Aiped, the Italian association of damage experts and estimators, which brought the case to the table of Consapnel. An appraisal carried out remotely or through AI, or conducted by unqualified operators, does not allow to ascertain precisely the complexity of a damage from road accident. This means that, in the event of underestimation of the damage, the insured will receive less compensation than he would be entitled to.


The artificial intelligence that is creeping faster and faster in every aspect of daily life, risks destabilizing the insurance market with negative consequences on the RC car rates charged to motorists. (ANSA)


(ANSA) - ROME, MAY 28 - Artificial intelligence that is creeping faster and faster into every aspect of daily life, risks destabilizing the insurance market with negative consequences on the RC car rates charged to motorists.
This is supported by Aiped, the Italian association of damage experts and estimators, which brought the case to the table of Consapnel during a recent confrontation.
"Artificial intelligence is progressively replacing the field activity of insurance adjusters - says Aiped - Today we are witnessing a real distortion of the concept of expertise: the increasingly widespread use of remote systems, appraisals in authority, video appraisals and even the growing use of AI (artificial intelligence) by insurance companies raises serious doubts about the compatibility of these operating methods with the regulatory framework that allows the Estimate of the damage only to the experts enrolled in the register. The dangers of these changes are not only for operators in the sector, but also for citizens and insured - denounces the president Aiped, Luigi Mercurio - An appraisal carried out remotely or through AI, or conducted by unqualified operators, does not allow to ascertain precisely the complexity of a damage from road accident. This means that, in the event of underestimation of the damage, the insured will receive less compensation than he would be entitled to. In case of overestimation, however, the company will suffer a higher cost that will be passed on to end users through an increase in RCAUTO tariffs, which in recent months, as Istat also certifies, have started to grow again". For Mercurio, it is therefore "essential that the appraisal is the result of assessment, analysis and evaluation activities in order to certify the best repair technique, the quality of repairs in a workmanlike manner, safety for the motorist, the right quantification of the damage". (ANSA).


Source: ansa

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