For this reason, California, Massachusetts, and Maryland don’t allow insurance pricing based on credit scores. AI crushes humans at chess, for example, because it uses algorithms that no human could create, and none fully understand. The AI encodes its own fabulously intricate instructions, using billions of data to train its machine learning engine. What happens when those capabilities are harnessed for assessing risk and pricing insurance? In many jurisdictions, it also requires a rethinking of the way insurance pricing is regulated.