Photo-based damage assessment
Insurance Claims Adjuster · Auto / Health Claims
“Photo-based damage assessment” (Insurance Claims Adjuster) was largely replaced by AI in 2026, after AI entered in 2018.
What this task is
In auto claims, the adjuster examines photos of a damaged vehicle to identify which parts are affected and how badly, decides between repair and replacement, and estimates parts and labor costs.
How AI replaces it
Around 2018, computer-vision damage assessment tools came into wide use: drivers upload photos and a model identifies damaged parts and prices them against a parts database. As accuracy improved, routine cosmetic damage was largely assessed by AI by 2026.
What stays human
Appraisers review high-value, structural or suspicious cases, settle pricing disputes with repair shops, and supply judgment on hard examples that the models still get wrong.