Mark Casto | December 11, 2025 | Car Accident Lawyer Near Columbus, Georgia
Artificial intelligence is now baked into almost every step of an auto insurance claim. In Columbus, GA, that can mean your car accident claim is scored by an algorithm in minutes—and sometimes denied just as fast. If an “insurance bot” flagged your case as “low value,” “late,” or “likely disputed,” you may feel like you never had a fair shot.
Here’s how AI is changing claims—and what you can do right now to protect your rights and push back when software says “no.”
How Insurers Use AI (and Why Good Claims Get Denied)
Insurers deploy AI to triage, detect fraud, and predict settlement values. These tools scan police reports, medical codes, repair estimates, social media, and even telematics to make snap risk calls.
Problems can arise when:
- Garbage in, garbage out: If the system ingests incomplete or inaccurate data (wrong ICD codes, missing photos, outdated estimates), your claim may be underpaid or denied.
- One-size-fits-none: Algorithms generalize. They can miss human details—pain levels, job demands, family care duties—that drive actual damages amounts.
- Speed over fairness: Quick resolutions are prized. That can pressure adjusters to follow the bot’s low number rather than investigate fault.
Bottom line: an AI-assisted denial isn’t the final word—it’s a starting point.
First Steps After an AI-Driven Denial in Columbus, GA
The initial shock of a denial can be paralyzing, but remember that the insurance company’s initial decision is just the first move in a negotiation.
Here are the immediate steps you can take to protect yourself:
- Request the “why.” Ask the adjuster, in writing, for the specific reasons for denial or reduction and what data the decision relied on.
- Correct the record. Review medical bills, CPT/ICD codes, missed-work letters, and repair estimates.
- Build human context. Create a short impact statement: days of work missed, jobs you couldn’t accept, childcare you needed, sleep loss, and activity limits. Attach photos and a symptoms log.
- Get a second opinion on damages. Independent body shop estimates and treating-physician narratives may carry weight.
- Appeal formally. Send a written appeal with your corrected documents, impact statement, and any new evidence.
To effectively push back against an AI-driven denial or lowball offer, you need to collect documentation that captures the full impact of the accident. Any evidence that links injuries to the crash, explains why treatment was necessary, and addresses prognosis can be helpful here. A Columbus personal injury lawyer can help you gather the necessary documentation to overturn the algorithmic ruling and inject the missing human elements into your case.
When to Bring in a Columbus Car Accident Lawyer
If you’re facing a lowball offer, a denial based on “lack of objective findings,” or a liability dispute the bot won’t budge on, it’s time to get help.
A local Columbus personal injury attorney can:
- Subpoena the data the carrier relied on and spot coding or documentation errors.
- Retain experts (accident reconstruction, life-care planners) to counter algorithmic shortcuts.
- Prepare the case for trial, which often prompts carriers to override the bot and reevaluate value.
Importantly, in Georgia, most personal injury claims are subject to a two-year statute of limitations, meaning there is a strict deadline for filing a lawsuit. Failure to file before the deadline could cause your case to be dismissed from court.
That is why prompt action is crucial. Consult with an attorney as soon as you recognize the offer is inadequate or the negotiations have stalled.
If the Insurer Says You’re at Fault
AI can misread police narrative text, diagram ambiguities, or vehicle angles, and tag you as primarily responsible.
An attorney could push back with:
- Scene measurements & angles from your photos/video.
- ECU/telematics or dashcam data when available.
- Witness statements clarifying turn signals, speeds, or sudden lane changes.
Even if you’re partially at fault for your injuries, that would not end most claims in Georgia. This is because Georgia uses a modified comparative negligence standard, meaning you can recover compensation as long as you are not found to be 50% or more at fault. If you are found to be less than 50% at fault, your recovery can be reduced based on your fault.
Contact the Columbus Car Accident Attorney at Mark Casto Personal Injury Law Firm for a Free Consultation Today
Mark Casto Personal Injury Law Firm is a single-attorney practice located in Columbus, GA. Attorney Mark Casto has 26 years of legal experience and has recovered tens of millions of dollars for accident victims.
For more information, contact our experienced Columbus car accident lawyer to schedule a free consultation today.
If you were injured in an accident in Columbus, GA, and need legal help, contact our Columbus car accident lawyers at Mark Casto Personal Injury Law Firm to schedule a free case review today.
Mark Casto Personal Injury Law Firm
233 12th St #808, Columbus, GA 31901
(706) 940-4030