Artificial Intelligence: a Grayish Area for Insurance Coverage

• Jurisdiction: United States,Federal
• Publication year: 2019
• Citation: Vol. 2 No. 1

Ashley E. Cowgill^*

Developments in the last 10 to 15 years have delivered artificial intelligence ("AI") technology to private corporations and even to homes. With widespread AI adoption, the risks are evolving just as fast as the technology itself, and insurers have been hard-pressed to keep up. This article discusses insurance coverage and liability issues arising from AI use.

Artificial intelligence ("AI") is a hot topic in industries from manufacturing to the medical profession. Developments in the last 10 to 15 years have delivered AI technology, once a fiction reserved for the movies, to private corporations and even to everyday homes. Examples include:

- 2004: Defense Advanced Research Projects Agency sponsors a driverless car grand challenge. Technology developed by the participants eventually allows Google to develop a driverless automobile and modify existing transportation laws.

- 2005: Honda's ASIMO humanoid robot can walk as fast as a human, delivering trays to customers in a restaurant setting. The same technology is now used in military robots.

- 2011: IBM's Watson wins Jeopardy against top human champions. It is training to provide medical advice to doctors. It can master any domain of knowledge.

- 2012: Google releases its Knowledge Graph, a semantic search knowledge base, likely to be the first step toward true AI.

- 2013: BRAIN initiative aimed at reverse engineering the human brain

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