The number of disputes between consumers and insurance companies has risen sharply, with 47,000 cases reported in 2025—marking a 28% increase from the previous year. This trend is expected to continue, with the insurance mediator predicting that more than 60,000 disputes could be handled in 2026. Most of these disputes involve car insurance and multi-risk home insurance policies. Additionally, a significant number of cases are related to mutual insurance companies that have failed to follow a legal freeze on their premium rates, as mandated by the social security financing law. To file a dispute with the insurance mediator, certain steps must be followed. First, the consumer must send a formal complaint to the insurance company. If the company rejects the claim or does not respond within two months, the consumer can then contact the mediator. The process is free and can be done online through the Insurance Mediation website or by mail, requiring the submission of the insurance contract, proof of the complaint, and a detailed description of the dispute. However, resolution times can be lengthy, with an average of just over seven and a half months needed to reach a decision. The rise in disputes and successful claims is partly attributed to the use of artificial intelligence (AI) tools such as ChatGPT, Claude, and Gemini. These technologies help users craft more detailed and well-supported arguments for their cases, leading to a 21% increase in the complexity and length of disputes handled by the mediator. While AI can enhance the quality of claims, the mediator emphasizes the importance of thoroughly reviewing and ensuring the accuracy of any AI-generated text before submitting it. Consumers are encouraged to provide a clear and comprehensive description of their issues to maximize their chances of success. This includes verifying the consistency of any documents or arguments used in the dispute. As the use of AI continues to grow, it is likely to play an even greater role in shaping how insurance disputes are handled in the future.