REPORT
The 2026 Claims Decisioning Pulse
Signals from US claims leaders on how AI is actually deployed in claims operations today
Maciej Wir-Konas, Head of AI Product Solutions, Decerto Inc.
Why is it worth reading?
If you're a VP of Claims or CCO at a US P&C carrier, this is the first-party research you wish you'd had before your last vendor conversation. We surveyed 20 US claims leaders between May 8 and May 29, 2026, on how claims decisions actually get made today, where AI is in production, and what's blocking deployment.
The findings diverge from the dominant industry narrative. Only 3 of 20 use AI-assisted decisioning. Data quality - not technology - is the #1 blocker. And the regulatory framework that most vendors don't mention is reshaping what "fully autonomous claims" can mean in the US market.
Read the report before your next Claims AI conversation. Use the framework to evaluate vendors, sequence capabilities, and structure your ROI model for 2026.
What’s more?
A 17-page research brief built for VPs of Claims and CCOs at US P&C carriers.
15-Page Research Brief
Five operational and regulatory signals, eight data tables, verbatim quotes from claims leaders, and a deployment sequencing playbook. Free, no paywall, just a short form gate.
20 US Claims Leaders Surveyed
Chief Claims Officers, VPs of Claims, Heads of Claims, COOs, and Claims Technology Leads at US insurance carriers from under $250M to over $20B in direct written premium. P&C personal lines, commercial, specialty, and multi-line.
NAIC Regulatory Framework
The Model Bulletin requirement that's reshaping Claims AI in 24 states - and what it means for STP, audit trail, and adverse decisions. The framework most vendors aren't discussing with their carriers.
Deployment Sequencing Playbook
A four-phase Claims AI deployment framework based on what carriers in our sample are actually running in production. Where to start in 2026, where to wait, and which audit-trail capability to build from day one.
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