# Lemonade's annual report states that as of 31 December 2023, 98% of the time its claims bot takes the first notice of loss and pays or declines the claim without human intervention

Page: https://flyvolo.ai/en/changes/ev-20231231-insurance-claims-handler-1
Date: 2023-12-31 · Stage: Deployment
Can this record move a task judgement? yes
Occupation: https://flyvolo.ai/en/careers/insurance-claims-handler

## Scope

One US direct-to-consumer insurer writing simple personal lines on systems it built itself. The filing's very next sentence limits the claim: claims the bot is not authorised to settle, or where it identifies concerns, are triaged and assigned to human claims experts. So this establishes automation of the intake step at this company, not that claims work no longer needs people, and it says nothing about traditional insurers running older policy systems — which hold most premium in most markets.

## Source

- Lemonade, Inc. (Form 10-K for FY2023, SEC EDGAR) — https://www.sec.gov/Archives/edgar/data/1691421/000169142124000026/lmnd-20231231.htm (primary source)

## What this means

The intake step — take the account, match it to a policy, settle or decline — is the part a company will automate first, because the questions are known in advance and a wrong answer surfaces immediately.

## What it does not show yet

It does not establish that claims work no longer needs people: the same filing routes claims the bot cannot settle to human experts. Nor does it say anything about insurers on older systems, where the same change means replacing infrastructure rather than configuring it.

## How to verify it yourself

Ask your own insurer what share of claims reach a person at all, and what happens to the ones that do not. The second answer is the one that tells you how the department is actually staffed.


More: https://flyvolo.ai/llms.txt