Nowadays they do #3, demand that the customer takes pictures with a special app that claims to make the process nearly as trusted as #1 while being nearly as ch

Nowadays they do #3, demand that the customer takes pictures with a special app that claims to make the process nearly as trusted as #1 while being nearly as cheap as #2. The idea is indeed that instead or in addition to requiring an app, the insurance company would require the app to run on a phone that supports Reference Image to make sure the image wasn't tampered with. Not right now, when the phones are new, but in a while when 50% of Americans have a sufficiently new iPhone. The rest of the people gets told to either borrow one if they want to make a claim, or go through some other alternative process designed to be so annoying that most people give up.