Whoever sold the insurance to the end customer did the fraud. In this case, that probably mean KitSplit, but this sort of thing is rampant across the insurance

Whoever sold the insurance to the end customer did the fraud. In this case, that probably mean KitSplit, but this sort of thing is rampant across the insurance industry proper. Branding this as a sharing economy issue undersells the problem by an order of magnitude or two.