---
title: "Extract policy clauses that mention a model or an automated decision"
url: "https://ailawframework.com/practice/insurance-law/review-policy-wording-for-ai-related-exclusions/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-B7-4-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Extract policy clauses that mention a model or an automated decision

> Copy each clause that uses those words or names an algorithm, a scoring model, or an automated decline. Columns are policy, clause heading, and the clause's words. Do not say the clause defeats a claim.

Canonical page: https://ailawframework.com/practice/insurance-law/review-policy-wording-for-ai-related-exclusions/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 | Copy each clause that uses those words or names an algorithm, a scoring model, or an automated decline. Columns are policy, clause heading, and the clause's words. Do not say the clause defeats a claim. |
| What the lawyer must review | Whether the clause applies is a question under the policy and under state law. 15 U.S.C. § 1012 is the federal allocation of insurance regulation to the states. Formal Opinion 512 requires a lawyer who uses a tool on the wording to review the output. You decide the effect of the clause. |
| Written for | United States |
| Applies to | [Review policy wording for AI-related exclusions](https://ailawframework.com/practice/insurance-law/review-policy-wording-for-ai-related-exclusions.md) |

## Checking plan

- What the AI does: Copy each clause that uses those words or names an algorithm, a scoring model, or an automated decline. Columns are policy, clause heading, and the clause's words. Do not say the clause defeats a claim.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- A clause is included because of the words it uses. Inclusion is not a coverage opinion.
- No artificial-intelligence insurance bulletin was opened. The model act used elsewhere in this set is the claims-settlement model, and it is not cited as a wording rule.

## Sources

- [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)
- [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)

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