# Lemonade says about 55% of its claims are fully automated, and its system routes the claims it is not authorised to settle or has concerns about to human claims experts

Page: https://flyvolo.ai/en/changes/ev-20251231-insurance-claims-handler-6
Date: 2025-12-31 · Stage: Deployment
Can this record move a task judgement? yes
Occupation: https://flyvolo.ai/en/careers/insurance-claims-handler

## Scope

United States and Europe, one insurer. The company's annual report says that as of 31 December 2025 roughly 55% of its claims were automated from start to finish, and that its claims bot triages and assigns claims it is not authorised to settle, or where it identifies concerns, to human claims experts, matched by specialty, qualifications, workload and schedule. The company's own account; it does not give the size of the exception queue or the number of people working it.

## Source

- Lemonade, Inc. — Annual Report on Form 10-K for the fiscal year ended 31 December 2025 (SEC EDGAR) — https://www.sec.gov/Archives/edgar/data/1691421/000169142126000016/lmnd-20251231.htm (primary source)

## What this means

At one heavily automated insurer, the routine claim is the machine's and the odd one is routed to a person by design.

## What it does not show yet

One insurer's own figures; nothing on how many claims go to people or how long they take.

## How to verify it yourself

Open Lemonade's 10-K for 2025 and find "assigns claims he is not authorized to settle, or ones where he identifies concerns, to human claims experts".


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