根据职场评论平台 Glassdoor 的最新调查，保险理赔理算师成为全美最痛恨人工智慧的职业群体，提及 AI 的评论中高达 98% 抱持负面态度。理算师普遍抱怨主管强推充满错误的 AI 系统，不仅导致理赔案件错误分类、出现 AI 幻觉，还迫使人类员工承担客户怒火并花费更多时间收拾残局。

技术自动化的普及对该行业就业市场造成了剧烈冲击，美国劳工统计局与相关数据显示理赔人员职缺与入门级职位均大幅下滑。尽管以 Lemonade 为代表的保险科技公司积极以机器人和自动化取代传统流程，并主张这能让员工聚焦于复杂案件，但许多从业人员仍强烈担忧自己正在协助训练未来的替代品。

虽然 AI 在处理例行行政事务上确实具备辅助价值，但理算师对其准确性仍缺乏信任，任何判读疏漏都可能导致理赔金额计算错误。业界人士强调，保险理赔在面临重大灾难时需要真正的同理心与人性关怀，若完全以 AI 取代人类的沟通与判断将是一项极具风险且危险的策略。

According to research from workplace review platform Glassdoor, insurance claims adjusters have emerged as the biggest AI critics in the American workforce, with a staggering 98 percent of their AI-related reviews being negative. Adjusters largely complain about leadership forcing error-prone AI systems on them, which create misclassified claims and hallucinations that adjusters must clean up amid customer backlash.

The rapid rollout of automation has severely impacted employment in the sector, with Bureau of Labor Statistics and industry data showing steep drops in overall adjuster headcount and entry-level job postings. While insurtech companies like Lemonade aggressively push bots and automation to handle majority claims—arguing it frees staff for complex cases—many employees feel their livelihoods are directly threatened.

Although AI can assist with routine administrative tasks, adjusters remain deeply skeptical of its reliability, as minor scanning glitches or hallucinations can lead to incorrect payout calculations. Industry professionals emphasize that handling claims requires genuine empathy and human reassurance during catastrophes, warning that using AI as a complete substitute for human connection is a dangerous strategy.