I am now negotiating with AI as part of my job, and it’s going like you would expect. How can I circumvent it to speak to a representative?

TLDR - auto lenders are using AI bots to negotiate insurance settlements with inaccurate information. How can I Captain Kirk them and get a live person on the phone?

I am an insurance claims adjuster. Recently, several high-interest auto loan lenders have begun using AI (both through email and phone calls) to dispute the total loss values for our claims.

For those of you that have never dealt with a total loss - the value of a vehicle is (usually) determined by seeing what comparable vehicles are selling for on the market, and making adjustments based on the condition, mileage, etc. between those vehicles and the totalled vehicle.

If a customer disagrees, they can hire an appraiser and the company will hire an independent appraiser, and the two will come to an agreement.

The lender gets paid the amount minus the customer's deductible, and if it doesn't fully pay off the loan, unfortunately the customer will be responsible for the balance.

Lately, AI calls and emails have been coming from these lenders disputing the amounts, and often based on egregiously incorrect information.

They provide cherry picked comparisons to try to boost the vehicle values, and sometimes they aren't the same year, make, or model. Sometimes mileage and condition isn't factored in, sometimes they are tricked-out show cars someone advertised on a FSBO site.

The real problem is, we have to waste our time researching all of this to see if any of the data is correct. When we respond pointing out the flawed comparisons, they only come back with more flawed comparisons.

If we argue long enough, they will invoke the appraisal clause on the customer's behalf. Their appraiser is another AI system with a cutesy name.

All efforts to reach humans at these lenders are essentially turned away - we are told we need to deal with the system.

I am open to any advice you folks have - how can we get these AI systems to basically give up and get us in touch with a real person?

I'm not trying to screw anyone out of a fair settlement, I just want to stop having my time wasted by these Temu AI systems.