Summarizing their research article in “Law Innovation and Technology,” Ph.D. candidate Marvin van Bekkum, ICT and Law Professor Frederik Zuiderveen Borgesius and Radbound University Data Science Professor Tom Heskes describe how insurers apply AI to data-intensive underwriting and behavior-based insurance. However, the authors said both data-intensive underwriting and behavior-based insurance enhanced by AI can pose discrimination and “unfair differentiation” risks.
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