It seems to me to be a business model that can’t work, because of crooks on both sides. If it was like they say, what would prevent me from buying a policy, then taking my covered car to a buddy mechanic who SAYS my car needs work and says he performed it, (but didn’t) and we split the money….? Real simple insurance fraud. Real simple. Just like auto mfgrs have to police the dealers REAL carefully to prevent warrantee fraud.