Re: "fabricated images exaggerating damage"
The rear door of my car was slightly damaged, other party left a note taking responsibility.
[Aside, it was a post office van and he left the note on one of his "sorry we missed you" cards! The irony did not go unnoticed.]
First point of contact was a lawyer who asked for pictures. Then I was passed to a claims manager, who asked for pictures. Then I was passed to a repair company who asked for pictures. When questioned how long they'd have the car in for response was "we don't know until we see it".
They picked up and dropped off my car on a flat bed, and I got a hire car for the duration equivalent to mine rather than a tiny little courtesy car. How nice being the injured party. The hire car was dropped off and picked up at my home, with a van from the hire company making the same journey to collect/drop off their driver. All of these journeys were 30 to 40 miles each way.
It gets better (worse). They cocked up the repair leaving a very obvious pattern in the paint where it had been filled. When I raised it they, guess what, asked for pictures. Chased them about it, no mention of the pictures but, can you bring it in so we can have a look? Round trip an hour each way plus an hour sitting in their reception hearing what all the girls on the phones had for tea last night whilst the workshop tried to magic the defect away. Without success. Maybe if they'd looked at the pictures...
Its now booked in for "correction" so presumably the same sequence of drop offs and pick ups.
With the number of people involved all apparently clueless or unable to make decisions perhaps having an assessor involved would be an improvement. This was an incredibly minor repair that didn't require any over-priced manufacturer parts, yet the bill to the insured will be many thousands. I'd be worrying far more about inefficiency and stupidity in the industry as a whole than fraudulent claims as a source of high costs.
Or maybe this is the much vaunted increase in economic activity we've been promised....