There is fierce competition among domestic insurance companies, and there is nothing they can do to gain domestic market share.
I don't think the problem can be solved by "preventing insurance fraud and compensating fraud" in China at present, and we can only think of countermeasures from the rules or systems.
Of course, you can also write about mature foreign markets.
"Car insurance fraud" has many characteristics. I suggest you call the auto insurance agency and ask them to recommend a veteran who has worked for many years to serve you. Then you said you were willing to buy a luxury car. Since it is a paper, it is necessary for you to pay more attention. You can't end all the problems here.