AI in insurance, checked dailyMonday 28 September 2026
The Renewal Report
News and findings on AI in insurance. Every item with its source, its evidence and what it means for a book of business.For agencies, MGAs and carriers
NewsRegulator expectation

More than half of states have adopted AI claims guidance

For
Carrier
Source
Risk & Insurance, 2026-09-15
Stage
adopted — how far along the thing is
Evidence
Regulator expectation — what this label means
Published
2026-09-19 · The Renewal Report desk

What happened

Texas's TDI Bulletin B-0003-26 clarified that AI-enabled insurance activities remain subject to existing law, Risk & Insurance reports.

A trade report says more than half of U.S. states have adopted AI guidance influenced by the NAIC Model AI Bulletin. It cites Texas's TDI Bulletin B-0003-26, which clarified that AI-enabled insurance activities are subject to existing laws, and frames AI governance as a growing operational issue for claims organizations.

What is verified

The source's own statement, as linked above. Nothing beyond it has been independently checked by us.

What remains unclear

This is not a count of which states adopted binding statute versus non-binding bulletin language, and the report does not name which states beyond Texas.

What it means for your book

Claims organizations using AI-enabled tools in more than one state should confirm which of those states' bulletins apply existing unfair claims practices law to AI-assisted decisions.

  • Pull the TDI bulletin text and compare it against current claims AI workflow in Texas
  • Check whether other licensed states have issued comparable bulletins

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