Abstract: Insurance claims can be assigned to different claim processing groups within an insurance company. A machine learning liability classifier can evaluate claim data for an insurance claim, to predict a likelihood that an insured party has either 0% or 100% liability. If the likelihood of the insured party having either 0% or 100% liability meets or exceeds a threshold, the insurance claim can be assigned directly to a non-complex claim processing group that processes relatively simple insurance claims. Otherwise, one or more downstream claim routing elements can further process the claim data to determine whether the insurance claim is to be assigned to the non-complex claim processing group or to a complex claim processing group that processes more complex insurance claims.