Quebec Automobile Insurance Question-Answering With Retrieval-Augmented Generation

Large Language Models (LLMs) perform outstandingly in various downstream tasks, and the use of the Retrieval-Augmented Generation (RAG) architecture has been shown to improve performance for legal question answering (Nuruzzaman and Hussain, 2020; Louis et al., 2024). However, there are limited applications in insurance questions-answering, a specific type of legal document. This paper introduces two corpora: the Quebec Automobile Insurance Expertise Reference Corpus and a set of 82 Expert Answers to Layperson Automobile Insurance Questions. Our study leverages both corpora to automatically and manually assess a GPT4-o, a state-of-the-art LLM, to answer Quebec automobile insurance questions. Our results demonstrate that, on average, using our expertise reference corpus generates better responses on both automatic and manual evaluation metrics. However, they also highlight that LLM QA is unreliable enough for mass utilization in critical areas. Indeed, our results show that between 5% to 13% of answered questions include a false statement that could lead to customer misunderstanding.

Deepparse : An Extendable, and Fine-Tunable State-Of-The-Art Library for Parsing Multinational Street Addresses

Segmenting an address into meaningful components, also known as address parsing, is an essential step in many applications from record linkage to geocoding and package delivery. Consequently, a lot of work has been dedicated to develop accurate address parsing techniques, with machine learning and neural network methods leading the state-of-the-art scoreboard. However, most of the work on address parsing has been confined to academic endeavours with little availability of free and easy-to-use open-source solutions. This paper presents Deepparse, a Python open-source, extendable, fine-tunable address parsing solution under LGPL-3.0 licence to parse multinational addresses using state-of-the-art deep learning algorithms and evaluated on over 60 countries. It can parse addresses written in any language and use any address standard. The pre-trained model achieves average $99~\%$ parsing accuracies on the countries used for training with no pre-processing nor post-processing needed. Moreover, the library supports fine-tuning with new data to generate a custom address parser.

RISC: Generating Realistic Synthetic Bilingual Insurance Contract

This paper presents RISC, an open-source Python package data generator (https://github.com/GRAAL-Research/risc). RISC generates look-alike automobile insurance contracts based on the Quebec regulatory insurance form in French and English. Insurance contracts are 90 to 100 pages long and use complex legal and insurance-specific vocabulary for a layperson. Hence, they are a much more complex class of documents than those in traditional NLP corpora. Therefore, we introduce RISCBAC, a Realistic Insurance Synthetic Bilingual Automobile Contract dataset based on the mandatory Quebec car insurance contract. The dataset comprises 10,000 French and English unannotated insurance contracts. RISCBAC enables NLP research for unsupervised automatic summarisation, question answering, text simplification, machine translation and more. Moreover, it can be further automatically annotated as a dataset for supervised tasks such as NER

Quantifying French Document Complexity

Measuring a document's complexity level is an open challenge, particularly when one is working on a diverse corpus of documents rather than comparing several documents on a similar topic or working on a language other than English. In this paper, we define a methodology to measure the complexity of French documents, using a new general and diversified corpus of texts, the "French Canadian complexity level corpus", and a wide range of metrics. We compare different learning algorithms to this task and contrast their performances and their observations on which characteristics of the texts are more significant to their complexity. Our results show that our methodology gives a general-purpose measurement of text complexity in French.

"FIJO": a French Insurance Soft Skill Detection Dataset

Understanding the evolution of job requirements is becoming more important for workers, companies and public organizations to follow the fast transformation of the employment market. Fortunately, recent natural language processing (NLP) approaches allow for the development of methods to automatically extract information from job ads and recognize skills more precisely. However, these efficient approaches need a large amount of annotated data from the studied domain which is difficult to access, mainly due to intellectual property. This article proposes a new public dataset, FIJO, containing insurance job offers, including many soft skill annotations. To understand the potential of this dataset, we detail some characteristics and some limitations. Then, we present the results of skill detection algorithms using a named entity recognition approach and show that transformers-based models have good token-wise performances on this dataset. Lastly, we analyze some errors made by our best model to emphasize the difficulties that may arise when applying NLP approaches.

Multinational Address Parsing: A Zero-Shot Evaluation

Address parsing consists of identifying the segments that make up an address, such as a street name or a postal code. Because of its importance for tasks like record linkage, address parsing has been approached with many techniques, the latest relying on neural networks. While these models yield notable results, previous work on neural networks has only focused on parsing addresses from a single source country. This paper explores the possibility of transferring the address parsing knowledge acquired by training deep learning models on some countries' addresses to others with no further training in a zero-shot transfer learning setting. We also experiment using an attention mechanism and a domain adversarial training algorithm in the same zero-shot transfer setting to improve performance. Both methods yield state-of-the-art performance for most of the tested countries while giving good results to the remaining countries. We also explore the effect of incomplete addresses on our best model, and we evaluate the impact of using incomplete addresses during training. In addition, we propose an open-source Python implementation of some of our trained models.

Generating Intelligible Plumitifs Descriptions: Use Case Application with Ethical Considerations

Plumitifs (dockets) were initially a tool for law clerks. Nowadays, they are used as summaries presenting all the steps of a judicial case. Information concerning parties' identity, jurisdiction in charge of administering the case, and some information relating to the nature and the course of the preceding are available through plumitifs. They are publicly accessible but barely understandable; they are written using abbreviations and referring to provisions from the Criminal Code of Canada, which makes them hard to reason about. In this paper, we propose a simple yet efficient multi-source language generation architecture that leverages both the plumitif and the Criminal Code's content to generate intelligible plumitifs descriptions. It goes without saying that ethical considerations rise with these sensitive documents made readable and available at scale, legitimate concerns that we address in this paper.

Leveraging Subword Embeddings for Multinational Address Parsing

Address parsing consists of identifying the segments that make up an address such as a street name or a postal code. Because of its importance for tasks like record linkage, address parsing has been approached with many techniques. Neural network methods defined a new state-of-the-art for address parsing. While this approach yielded notable results, previous work has only focused on applying neural networks to achieve address parsing of addresses from one source country. We propose an approach in which we employ subword embeddings and a Recurrent Neural Network architecture to build a single model capable of learning to parse addresses from multiple countries at the same time while taking into account the difference in languages and address formatting systems. We achieved accuracies around 99 % on the countries used for training with no pre-processing nor post-processing needed. In addition, we explore the possibility of transferring the address parsing knowledge attained by training on some countries' addresses to others with no further training. This setting is also called zero-shot transfer learning. We achieve good results for 80 % of the countries (34 out of 41), almost 50 % of which (19 out of 41) is near state-of-the-art performance.

A Robust Self-Learning Method for Fully Unsupervised Cross-Lingual Mappings of Word Embeddings: Making the Method Robustly Reproducible as Well

In this paper, we reproduce the experiments of Artetxe et al. (2018b) regarding the robust self-learning method for fully unsupervised cross-lingual mappings of word embeddings. We show that the reproduction of their method is indeed feasible with some minor assumptions. We further investigate the robustness of their model by introducing four new languages that are less similar to English than the ones proposed by the original paper. In order to assess the stability of their model, we also conduct a grid search over sensible hyperparameters. We then propose key recommendations applicable to any research project in order to deliver fully reproducible research.