AI-to-AI Claims Settlement: Putting Claims Technology in Consumers’ Hands

By Joshua Schwadron, Founder & CEO, Mighty —

The insurance industry is already using AI in claims. Personal injury attorneys are using AI in claims too. The real shift now is that now, for the first time, accident victims can use AI too after an accident—and that changes leverage, speed, and outcomes.

At Mighty, we’ve completed the first motor vehicle injury claim settlements handled end-to-end by an AI agent, without a lawyer and without humans at Mighty involved in the negotiation.

This isn’t a novelty. It’s the direction claims are headed: a consumer’s AI negotiating with an insurer’s AI to reach a fair number faster, with humans stepping in when a case is truly complex.

The hidden problem: AI made law firms more profitable, not consumers better off

Over the last decade, legal tech—and now AI—has been built mainly for personal injury law firms. The tools are real: automation for intake, records, demand letters, case summaries, negotiation workflows. But the economics didn’t change. Most firms in the United States still charge 33–40% contingency fees, and AI often just means they can run more files at the same price.

So the consumer sees a weird outcome:

• AI reduced the cost of doing the work,
• but the consumer still pays the same “tax” on the settlement.

That’s the core reason Mighty exists: to democratize the same tooling and make it free for the person who actually got hurt.

The consumer’s two bad choices (until now)

In the U.S., most auto injury claims settle before litigation. These matters are documentation-heavy and process-driven. Historically, consumers had two bad options, which Bob Ambrogi covered extensively in this exclusive on Mighty’s AI news:

• Negotiate alone against a repeat-player insurer with professional playbooks and tooling; or
• Hire a PI lawyer immediately and give up 33–40% of the settlement—even when the case never needed litigation-level lawyering.

Mighty gives consumers a new, third option: a free AI platform that helps a consumer build their case file, understand what their case is worth, and get to a fair offer before deciding whether a lawyer or insurance settlement is worth it.

What Mighty does 

Mighty is a free, direct-to-consumer AI platform for accident injury claims, currently only available in the United States.

Here is how Mighty works for accident victims:

1. You tell our AI what happened (basic accident + injury details).
2. We gather the records (police report, medical records, bills—uploaded or obtained with permission).
3. We generate a live value estimate based on the evidence and common claims dynamics.
4. Our AI sends a demand package to the insurer and negotiates.
5. If it settles, the consumer keeps 100%.
6. If it shouldn’t be handled this way, we escalate the consumer to a lawyer.

If an accident victim already has an offer from an insurance company, Mighty can help them know if it’s fair and whether to accept it.

Why AI-to-AI settlement is the future

This becomes the default because both sides have incentives.

For consumers:

• They get clarity and negotiation strength without paying anyone.
• They avoid giving away a third of their recovery just to be taken seriously.

For insurers:

• Straightforward claims resolve faster with fewer touches.
• Fewer claimants feel forced into representation purely due to process asymmetry.

The end state is obvious: AI resolves the routine cases, of which almost all claims are.

“Only one doing it”

There are products that help with pieces of this: valuation tools, intake tools, workflow tools for lawyers, portals, and marketplaces. But the combination that matters is:

• direct-to-consumer,
• free, and
• AI negotiating through to settlement (not just a calculator, not just a document generator).

That is what Mighty is doing today—and why we believe the first AI-agent settlement is an inflection point, not a headline. Insurance NewsNet called what Mighty is doing “groundbreaking.”

What the industry should watch next

If you’re a carrier, broker, or insurtech leader, the important questions aren’t philosophical. They’re operational:

• What happens to cycle time when claim files arrive cleaner and more standardized?
• What happens to representation rates when consumers have credible tools before they call a lawyer?
• What does “fair settlement” look like when negotiation becomes agent-to-agent?

AI is already in claims. The next chapter is who gets access to it. We think the consumer should.

About Mighty

Mighty is a New York-based legal technology company building a free AI platform that helps U.S. consumers value and settle accident injury claims without a lawyer, with a clear escalation path when attorney involvement is warranted. To learn more about BIG and the services it offers, visit www.mighty.com.

Source: Mighty

Tags: Artificial Intelligence (AI), Auto Claims, claims, platform, United States (USA)