https://blog.monsterzero.org/categories/insurance/Recent content in Insurance on Monster ZeroHugoen-usMon, 20 Jul 2026 18:00:00 -0500https://blog.monsterzero.org/posts/insurance-algorithms/Mon, 20 Jul 2026 18:00:00 -0500https://blog.monsterzero.org/posts/insurance-algorithms/<p>Insurance used to work in two simple steps. You paid a premium based on broad categories, your age, your driving record, your zip code. Then if something happened, a person reviewed your claim and decided what the company owed you. Both of those steps now run through algorithms that most policyholders never see, never consented to in any meaningful way, and can&rsquo;t meaningfully appeal. One decides what you pay. The other decides what you get back when you need it. Texas is already in the middle of the biggest legal fight over the first one.</p>