Questione giuridica chiave
Whether the AI decision violated the right to be heard because its reasoning was insufficient.
Decisione estratta
The decision was sufficiently reasoned to allow the insured to understand it and appeal effectively; no violation of the right to be heard.
Motivazione estratta
The formal decision set out the elements and calculation steps leading to the 19% rate. A prior internal note mentioning 33.7% was not decisive, and the insured in fact understood and challenged the decision.