AI deepfake or edit video doesn’t pass liveliness checks without all the c2pa or reference image song and pony show.
Insurance companies can monitor the light reflections from the flash that they control or monitor the accelerometer and compare the accelerometer values with the video that they receive.
They could also just update their app to stop accepting photos from the album.
While its true Apple usually isn't the first in a product category--not the first mp3 player, not the first smartphone, not the first tablet) but once they get there, they're quite innovative.
When the iPhone 5s was released in 2013, it was the first smartphone with a 64-bit processor, which caught Qualcomm off guard. Even when Qualcomm released a 64-bit processor the following year, it kinda didn’t matter because Android was still 32-bit.