Insurance Playbook
What to expect from each major insurer, scripted by adjuster behavior pattern.
What this tool does
What to expect from each major insurer, scripted by adjuster behavior pattern.
When you enter an insurer name, the tool shows that carrier's complaint ratio (per state) over the last 3 years , a leverage point in bad-faith disputes.
How Insurance Playbook works
Knowledge base compiled from state DOI complaint databases (top 20 insurers), insurance-industry public filings, and personal-injury practice literature.
The model produces a result paired with a reasoning trace and a list of cited sources. The reasoning trace is the actual analytical scratch pad the model used to arrive at the conclusion , not a marketing summary. You can audit the reasoning, verify it against the cited sources, and override the result if you disagree with how the model weighted a particular factor.
This approach is harder to build than a single-pass AI output, but it is the only way to publish AI-assisted personal-injury content responsibly. Personal-injury claims are a Your Money or Your Life (YMYL) topic under Google's quality framework. Outputs that cannot be audited or verified fail the EEAT (Experience, Expertise, Authoritativeness, Trustworthiness) standard and should not be relied on.
Inputs the tool expects
- Insurer name
- Claim type (auto liability, UM/UIM, homeowners, etc.)
- Adjuster name (if known)
- Claim size band
What the output looks like
Per-insurer playbook: known lowball framings, the specific reserve-setting language to push past, the supervisor-escalation path, the state-DOI complaint trigger.
Output is rendered with the same UI contract every tool on this site shares: a clearly labeled result, a "Show my reasoning" expander, source citations on every factual claim, the model used, and the timestamp of the last source verification. You can copy the output to clipboard, export to a Word-compatible document, or share a permalink that regenerates the same result on demand.
Sources cited by the tool
- State Department of Insurance complaint databases
- NAIC market-conduct reports
- Insurance Information Institute claims handling standards
Sources are refreshed daily through a hash-compare verification pipeline. When a statute is amended, an appellate decision is published, or a primary-source database is updated, the tool flags the change within 24 hours and rebuilds any affected outputs.
Informational only. Not legal advice.
This tool helps you understand the framework of a personal-injury case. It does not provide legal advice. It does not create an attorney-client relationship. The output is a starting point for a conversation with a licensed attorney in your state, not a substitute for one. Cases turn on facts the tool does not see; an attorney can.
Why use Insurance Playbook instead of a search engine?
General-purpose AI assistants and search engines can answer many personal-injury questions in a generic way. They cannot do what this tool does: combine the user's specific facts with the controlling state law and a verifiable primary-source database, then produce an auditable result. The reasoning trace is the difference: with a general AI assistant, you get an answer; with Insurance Playbook, you get an answer plus a record of why.
For a $5,000 fender-bender case, that distinction may not matter much. For a $500,000 catastrophic-injury case, it matters enormously. The tools on this site are built for the second kind of case, not the first.
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Frequently asked questions
Is Insurance Playbook free to use?
Yes. All 12 tools on this site are free, with no email gate, no phone gate, and no required account. We do not refer cases to specific attorneys and do not accept referral fees.
What model does Insurance Playbook use?
claude-opus-4-7. State DOI complaint-data corroboration.
Can I trust the output?
The output is informational and should never be relied on without verifying the cited sources and consulting an attorney licensed in your state. Every output includes the cited sources so you can verify the model's reasoning yourself. Personal-injury claims are a YMYL topic and require human judgment.
How is the data kept current?
Source data is refreshed daily through a hash-compare verification pipeline. When a statute is amended or new appellate authority is published, the affected outputs are flagged and rebuilt within 24 hours.
Does Insurance Playbook share my inputs?
No. Inputs are processed in your browser or in an ephemeral server function and are not stored, sold, or shared. We do not sell user data to claims-buyer firms, attorney-referral services, or marketing aggregators.