December 2nd. According to Carscops, a recent study published by Insuriffy shows that American consumers are competing for auto insurance options AI Trust is rising significantly。
The survey covered 3002 pilots in the United StatesOF WHICH 42% HAS BEEN USEDAI AssistantIN SEARCH OF A VEHICLE INSURANCE SCHEME, 86% RESPONDENTS EXPRESSED THEIR WILLINGNESS TO LET AI GUIDE THEM THROUGH THE INSURANCE PURCHASE PROCESS。This proportion highlights the speed and widespread acceptance of algorithms in financial decision-making。
IT WAS NOTED THAT AI WAS PARTICULARLY WELL-APPLIED AT THE VALUE CHAIN, AND USERS OF 76% RELIED ON AI TO COMPARE OFFERS FROM DIFFERENT INSURANCE COMPANIES。
INTERGENERATIONAL DIFFERENCES ARE ALSO EVIDENT, WITH ABOUT 60% (PEOPLE BORN BETWEEN THE MID-1990S AND AROUND 2010) USING AI AS A DRIVER FOR RISK SHOPPING, WHILE THE BABY TIDE GENERATION (PEOPLE BORN BETWEEN 1946 AND 1964) HAS ONLY 20% TO SHOW CONFIDENCE IN THE TECHNOLOGY。
THERE ARE ALSO DIFFERENCES BETWEEN STATES, SUCH AS CALIFORNIA, WHERE 55% IS OWNED BY AI, WHILE ILLINOIS IS ONLY 34%。
AT THE POLICY SIGNING STAGE, THE DRIVER OF 39% IS WILLING TO ALLOW AI TO COMPLETE THE FINAL PURCHASE, AND IF IT SAVES $1,000, THE PERCENTAGE RISES TO 68%. IN ADDITION, THE AMERICANS OF 52% BELIEVE THAT AI IS BETTER THAN AN ARTIFICIAL AGENT IN TERMS OF PRICE, AND THE Z GENERATION OF 42% EVEN THINKS THAT AI IS BETTER AT CUSTOMER SERVICE。
HOWEVER, THERE HAS BEEN A SIGNIFICANT DECLINE IN TRUST IN THE LINK BETWEEN THE SETTLEMENT OF CLAIMS AND THE DETERMINATION OF LIABILITY FOR ACCIDENTS. ONLY 40% RESPONDENTS WERE WILLING TO ALLOW AI TO DECIDE ON THE OUTCOME, AND 38% RESPONDENTS WERE WILLING TO ALLOW AI TO DETERMINE LIABILITY FOR THE ACCIDENT。
THE REPORT NOTES THAT THIS INDICATES THAT, DESPITE THE BROAD ACCEPTANCE OF AI IN TERMS OF CONVENIENCE AND COST OPTIMIZATION, CONSUMERS TEND TO RETAIN MANUAL ADJUDICATION AT A POINT OF KEY INTEREST。