Consumer Recourse
The rights consumers have to appeal, correct, or contest an AI-influenced insurance decision, a central feature of Colorado SB 26-189 and similar state laws.
Consumer recourse is the set of rights consumers have to appeal, correct, or contest a decision made or influenced by AI. It includes the right to know that AI was used, the right to an explanation, the right to appeal, and the right to correct personal data that may have affected the decision.
Colorado SB 26-189 makes consumer recourse a central pillar of its AI framework. Developers and deployers of high-risk automated decision systems must disclose AI use and provide a clear path for consumers to appeal or correct inputs. This is a workflow problem, not just a disclosure problem: carriers need escalation paths, notification language, and data-correction procedures.
Consumer recourse is also a governance safeguard. It surfaces problems that monitoring might miss and gives regulators evidence of whether a system is working fairly. See our glossary entries on Colorado SB 26-189, automated decision systems, and human-in-the-loop.