The same risks exist with the system in place now (insurance fraud), and will exist with really any system. The mechanisms for mitigating these risks seem rath

The same risks exist with the system in place now (insurance fraud), and will exist with really any system. The mechanisms for mitigating these risks seem rather obvious. If someone runs their car into a ditch, you do some reasonable investigation to see if it was legitimate. If someone continuously gets into suspicious accidents, they're on their own and have to pay private insurance or stop driving. Edit: not to mention the health risks of purposely smashing up your car :)