P&C carrier · hospital GC · plaintiff counsel
Lokken doctrine: broad discovery into AI denials (Mar 2026) · class cert Sept 2026. Fastest pain wedge after broker — ties P&C and health payer fights to the same human-attestation rail.
AI photo estimate underpayment — human physical inspect receipt before AI total-loss. Ryan suit pattern; veteran auto claims.
350 “clinically invalid” overrides — physician attestation preserved before algo denial; $2M withheld.
Algorithm cut rehab while doctors said continue; ~90% appeals reversed. Pre-dispute bundle before Sept 2026 class cert.
Paid-flag sync + human review before contact — FDCPA wave, not better NLU.
Algo blocks parole — named board member / clinician signed override when score used. Registry-first; plaintiff org outbound.
insurance · healthcare · judicial · 350 mandate catalog