---
title: "List tool-use duties against the claims or underwriting file"
url: "https://ailawframework.com/practice/insurance-law/list-ai-use-risk-points-in-the-client-s-claims-or-underwriting-process/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R11-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# List tool-use duties against the claims or underwriting file

> One row per duty in Formal Opinion 512 and Model Rule 1.6. Columns are the duty and whether the claims or underwriting file shows a written practice. Write no sentence of a policy.

Canonical page: https://ailawframework.com/practice/insurance-law/list-ai-use-risk-points-in-the-client-s-claims-or-underwriting-process/united-states  
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 | One row per duty in Formal Opinion 512 and Model Rule 1.6. Columns are the duty and whether the claims or underwriting file shows a written practice. Write no sentence of a policy. |
| What the lawyer must review | Formal Opinion 512 requires review of analysis and citations before a court submission and treats confidentiality as covering all information relating to the representation. Model Rule 1.6 is that duty. 15 U.S.C. § 1012 leaves the insurer's conduct rules to state law unless a federal act specifically relates to the business of insurance. You decide which gap matters. |
| Written for | United States |
| Applies to | [List AI-use risk points in the client's claims or underwriting process](https://ailawframework.com/practice/insurance-law/list-ai-use-risk-points-in-the-client-s-claims-or-underwriting-process.md) |

## Checking plan

- What the AI does: One row per duty in Formal Opinion 512 and Model Rule 1.6. Columns are the duty and whether the claims or underwriting file shows a written practice. Write no sentence of a policy.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not write the client's policy from this list.
- No insurance artificial-intelligence bulletin was opened.
- Do not put a claim file into a public tool.

## Sources

- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)
- [ABA Model Rule 1.6, Confidentiality of Information](https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_1_6_confidentiality_of_information/) (checked 2026-10-22)
- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)

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