---
title: "Draft claims-handling advice from the policy and the claim file"
url: "https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file"
type: "task"
site: "AI Law Framework"
id: "A22-T1-R2"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
last_reviewed: "2026-10-22"
---

# Draft claims-handling advice from the policy and the claim file

> From the claim correspondence and the policy, draft an advice outline (notification, prejudice, reservation of rights, next steps) with document cites.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the claim correspondence and the policy, draft an advice outline (notification, prejudice, reservation of rights, next steps) with document cites. |
| What the lawyer must review | Decide whether to decline, reserve or indemnify (with the insurer client) Check claims-handling standards in the applicable jurisdiction |
| Written for / versions | 1 jurisdiction versions below |

## Checking plan

**Lawyer review required**

The responsible lawyer reviews the work against the instructions, sources and intended use.

- What the AI does: Potential support includes preparing preliminary structure or wording and summarising source material. Confirm the tool’s capability and permitted scope.
- What the lawyer does: Set the scope, verify the evidence, resolve exceptions and approve the final output for its intended use.
- Who reviews: Responsible lawyer with competence in the matter
- Basis: Suggested checking approach based on the task guidance. Complete the assessment for the actual tool, information and jurisdiction.
- Why: The plan reflects the described work and review requirements. Policy colours are not used to determine permission or checking.

## Checks the lawyer makes

1. Trace every relied-on figure to its source, confirm dates and assumptions, and independently recalculate totals or derived amounts.
2. Calculate operative dates independently from the current rule and actual triggering event. Check exceptions and record the verified deadline.
3. Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
4. Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.

## Notes

- Confirm the required checking with the responsible lawyer before work starts. The checking approach does not establish permission to use AI.

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [General Insurance Code claim timeframe register](https://ailawframework.com/precedents/insurance-law/code-claim-timeframe-register.md) | Checklist | Yellow | Register of the claim timeframes in Part 8 of the General Insurance Code of Practice, from the October 2023 text of the Code. |
| [Response to a reservation of rights or disclaimer](https://ailawframework.com/precedents/insurance-law/us-reservation-of-rights-response.md) | Letter | Yellow | The insured's response to an insurer's reservation of rights or denial. It asks the insurer to identify the provisions it relies on.… |

Signed-in accounts can read the full text of each one.

## Jurisdiction versions

| Jurisdiction | Level |
| --- | --- |
| [United States](https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file/united-states.md) | Yellow |

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*