AI hacked the insurance payout system?

Services have appeared in Russia that create fake accident photos using neural networks. They draw realistic dents, cracks, and scratches so that even experts struggle to tell them from real accidents.

A user generates a "crash," gets a ready-made claim for insurance — and the image easily passes under OSAGO and CASCO.

Insurance companies already admit: remote accident documentation is breaking the system. Claims processing turns into a technological race, where lawyers counter generative models.