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There will always be a need for a human in the loop with UW and claims.
I see it as both. We were told we have a hiring freeze right now because of the roll out of AI handling claims. AI should make it easier and more efficient however I see most people can't handle a photo estimate and doubt they will be able to handle AI claims. They believe adjusters will be able to handle a higher claim load once implemented but I think it will probably be the same. The hardest part is clearing coverage which AI can collect some of the stuff but the time consuming part will be evaluating that and you will still have to review what AI did to make sure it's correct.