New Jersey bill would bar AI from final claim-denial decisions

New Jersey bill would fine insurers $5,000 for AI claim denials.

New Jersey bill would bar AI from final claim-denial decisions

A5494 would let insurers use AI for triage, fraud scoring and approvals, but not the final decision to deny a homeowners, auto or flood claim.

Carriers writing New Jersey personal lines should confirm a human sits in the denial step before this reaches a floor vote. Agencies fielding personal-lines claims should expect policyholder questions about who, or what, denied them.

Full item, with sources: https://therenewalreport.com/news/2026-09-14-new-jersey-bill-would-bar-ai-from-final-claim-denial/