An AI control algorithm in a battery or smart-home device misjudges conditions and overheats it, causing a fire that damages property or injures occupants. The claims would reach the manufacturer through property, subrogation and recall exposure.
Property damage, subrogation and recall exposure.
This is an educational research summary built from public information. Allegations in pending cases are unproven, and the insurance notes above are for discussion, not coverage advice. Whether any policy responds depends on its specific wording, exclusions, endorsements, the facts, and applicable law.