Claims triage is the insurer's first durable AI win

Today: first-notice-of-loss and claims routing are labor-heavy and slow, frustrating customers at their worst moment.

The next five years: triage, fraud screening, and straight-through processing of simple claims become standard. Customers expect instant decisions on routine claims; adjusters focus on the complex and contested.

The AI relation: the volume and rule-density make claims a near-ideal automation target — the clearest ROI in the insurance stack, which is why it's where budgets land first.

Signal: the first profitable insurance AI is almost always claims. Watch straight-through processing rates as the real adoption metric.