Comment by yreg
2 hours ago
> Now the idea is that the insurance company discontinues the App and the (untrusted) customer must have an iPhone 18 Pro to make an insurance claim?
In a couple of years it will be almost any iPhone instead of 18 Pro. And if it catches on, other phone vendors will provide a similar service.
So the insurance would then, instead of contracting the current service-provider for the 3rd party app, contract also with Apple and, let's say Samsung?
And then stop the 3rd party app which is vendor-agnostic and works on all devices?
I'd say that's unlikely.
IF that's an industry this Apple-feature will disrupt, it seems it will barely have an impact on the process of insurance companies themselves, but will actually disrupt the service-provider industry FOR insurances:
The insurance won't be able to stop their existing 3rd party cost-saving, as it provides the largest device-coverage for offloading to the customer.
Instead, either the insurance or the 3rd party service-provider will have to pay Apple in addition to make use of this feature, with the hopes that the provided data will reduce fraud.
Which brings me back to my actual question: What is the fraud-vector here?