Research
Reports
Long-form research on how US property and casualty claims are actually handled. Each report is a synthesis of public data: regulator filings, federal statistics and named studies, with every figure carrying its publisher and URL. Hesper AI runs no survey and collects no data of its own.
Industry report · September 2026
The State of Claims Automation in 2026
What a US P&C claim costs to handle, how long it takes, who is left to handle it, and which parts of the lifecycle a regulator has actually measured as automated. Built from NAIC, BLS and state filings, with every derived measure showing its arithmetic.
- $86.0B loss adjustment expense, CY2025
- 40.7 days notice to final payment
- 0 reported claim-denial models
Industry report · April 2026
The State of Insurance Fraud Detection in 2026
Fraud detection, SIU capacity and the shift from scoring claims to investigating them, with a buyer's evaluation framework for carriers, TPAs and MGAs.
- Detection vs resolution
- SIU capacity math
- Buyer's evaluation framework