AI isn’t replacing insurance company decision makers yet, as new legislation filed in Florida is aimed at requiring mandatory human reviews of claim denials. ...more
In a bold shift toward centralized oversight of artificial intelligence (AI), the White House is reportedly preparing an executive order dramatically reducing the regulatory power of individual states and consolidating AI...more
A necessary and critical component of a lost business income claim is the calculation of the period of restoration. However, despite its recognized importance, the period of restoration appears to be one of the least...more
12/1/2025
/ Business Litigation ,
Business Losses ,
Commercial Insurance Policies ,
Contract Disputes ,
Contract Terms ,
Insurance Claims ,
Insurance Contracts ,
Insurance Industry ,
Insurance Litigation ,
Policy Terms ,
Property Damage ,
Property Insurance
lAs AI use increases in current business operations, insurers are racing to define their risk appetite for this rapidly evolving exposure. Over the past year, several carriers have introduced exclusions and endorsements...more
On September 10, 2025, Sen. Ted Cruz (R-TX) introduced the SANDBOX Act (Strengthening Artificial Intelligence Normalization and Diffusion by Oversight and eXperimentation). The bill would grant AI developers regulatory...more
9/30/2025
/ Artificial Intelligence ,
Consumer Privacy Rights ,
Data Privacy ,
Innovative Technology ,
OSTP ,
Privacy Laws ,
Proposed Legislation ,
Regulatory Oversight ,
Reporting Requirements ,
Risk Management ,
Software Developers ,
Technology Sector
The list of attorneys sanctioned for filing pleadings containing fictitious or materially inaccurate case citations (e.g., hallucinated case law) is growing by the day. ...more
Similar to a lawsuit against Character Technologies filed in Texas (which has been sent to arbitration), the Florida case, Megan Garcia and Sewell Setzer, Jr. v. Character Technologies, Inc., et al, No. 6:24-cv-01903-ACC-DCI,...more
One Big Beautiful Bill Act (“OBBA”) which would impose a 10-year freeze on new state-level artificial intelligence regulations and suspend enforcement of existing ones is being challenged by several state insurance...more
6/18/2025
/ AI Act ,
Artificial Intelligence ,
Federal Budget ,
Insurance Industry ,
Insurance Regulations ,
Machine Learning ,
NAIC ,
Proposed Legislation ,
Regulatory Oversight ,
Regulatory Reform ,
State Legislatures ,
Technology Sector
In a remarkable development revealing the increasing integration of Artificial Intelligence into business operations, insurers at Lloyd’s of London have launched focused coverage for losses caused by artificial intelligence...more
Since between 90%-95% of litigated cases settle before trial, effective negotiation skills can be the bedrock of success for lawyers.
Settlement allows both parties to avoid the uncertainty and costs of protracted...more
5/6/2025
/ Client Services ,
Dispute Resolution ,
Law School ,
Law Students ,
Litigation Strategies ,
Mediation ,
Mental Health ,
Negotiations ,
Professional Development ,
Settlement Negotiations ,
Triggering Event
A New York Appellate Court faced an interesting situation on March 26, 2025, when a pro se litigant, Jerome Dewald, attempted to use an AI avatar as his counsel to argue for a reversal of the lower court’s decision in an...more
There’s a new insurer in town – an artificial intelligence-driven parametric insurer, Mythen.
Founded by insurance technology veteran Sandra DeSilva, Mythen “combines advanced AI, machine learning, and remote sensing to...more
A recent lawsuit filed in the US District Court for the Southern District of New York—Sarria v. Telus International (Cda) Inc. et al., No. 1:25-cv-00889 (S.D.N.Y. Jan 30, 2025)—involves two distinct risks associated with...more
2/20/2025
/ Artificial Intelligence ,
Class Action ,
Corporate Governance ,
Disclosure Requirements ,
Popular ,
Securities Exchange Act ,
Securities Litigation ,
Securities Regulation ,
Securities Violations ,
Technology ,
Transparency
Character Technologies, Inc. faces allegations in a Texas lawsuit that its chatbot, Character.AI, encouraged self-harm, violent behavior, and provided sexually inappropriate sexual content to minors. The civil lawsuit...more
Welcome to the first 2025 edition of the Zelle Lonestar Lowdown! Our theme this year is Collaboration. We recognize that we are not an island in this industry and our clients, and ultimately the property owners, best benefit...more
1/17/2025
/ Appraisal ,
Artificial Intelligence ,
Commercial Property Owners ,
Dispute Resolution ,
Indemnity ,
Insurance Claims ,
Insurance Industry ,
Property Damage ,
Property Insurance ,
Risk Management ,
Severe Weather ,
Texas
As set forth in the prior articles in the AI Update column of the Lonestar Lowdown, the insurance industry has adopted and implemented Artificial Intelligence in numerous ways. As this trend continues, Insurance Newsnet has...more
Welcome to The Zelle Lonestar Lowdown, our monthly newsletter bringing you relevant and up-to-date news concerning Texas first-party property insurance law.
Inside this Issue:
- Todd Tippett’s Top Ten Consultants an...more
12/19/2024
/ Artificial Intelligence ,
Business Interruption ,
Commercial Insurance Policies ,
Denial of Insurance Coverage ,
Insurance Claims ,
Insurance Industry ,
Insurance Litigation ,
Machine Learning ,
Policy Exclusions ,
Policy Terms ,
Property Damage
Severe Convective Storms (“SCS”) are one of the most common and most damaging natural catastrophes in the United States. SCSs are intense atmospheric disturbances that can cause powerful winds, large hail, heavy rainfall, and...more
11/14/2024
/ Catastrophic Events ,
Climate Change ,
Insurance Claims ,
Insurance Industry ,
Insurance Litigation ,
Natural Disasters ,
Popular ,
Property Damage ,
Risk Management ,
Severe Weather ,
Texas
“Your honor, no artificial intelligence was used to generate content in this document. However, we would also like to disclose that there is someone in the courtroom who exhibits highly narcissistic traits and, therefore, is...more
After the COVID-19 pandemic shook the world in early 2020, many industries pivoted to conducting business in ways that reduced or eliminated face-to-face interactions.
Fortunately, with internet capability generally...more
By Jennifer L. GibbsTo read this article in PDF format, please click here. Influential preacher Charles Spurgeon said, "Discernment is not simply a matter of telling the difference between what is right and wrong; rather it...more
In January 2020, I authored a Law360 guest article titled "Setting Boundaries: An Essential Skill for Lawyers," which highlighted the need for firm boundaries as it relates to attorney-client relationships, and recognizing...more
As the number of COVID-19 cases increased in the course of the pandemic, so too did the use of virtual mediation as a means of dispute resolution. The utilization of mediation to resolve disputes has quickly become even more...more
Narcissists in courtroom settings are often incredibly charismatic, charming and convincing. This is because narcissists survive on narcissistic supply.
Narcissistic supply is a form of psychological addiction and...more
Mediation is quickly becoming an even more important form of adjudication as courts have been significantly impacted by the COVID-19 pandemic.
With the second surge in reported cases, courts across the nation have been...more
1/26/2021
/ American Bar Association (ABA) ,
Confidential Information ,
Confidentiality Agreements ,
Dispute Resolution ,
False Statements ,
Legal Ethics ,
Lying ,
Material Misrepresentation ,
Mediation ,
Mediators ,
Misrepresentation ,
Professional Responsibility ,
Puffery ,
Settlement Agreements ,
Settlement Negotiations