I've been in the insurance industry for 35 years as a senior investigator and a solicitor and negotiator, so I'm very familiar with the general practices. An underwriter will look at prior accidents. They won't necessarily be contacting the other insurer for facts. They'll see that there was another accident.
What we do find is that in order to camouflage this a lot, they change the ownership of the vehicle that seems to be involved in let's say a multitude of different staged collisions. That really creates difficulty for an underwriter to know that this same individual was involved in suspicious circumstances.
They intentionally change the scenario as to ownerships of vehicles and run between different insurance companies. All the underwriter is going to see is that possibly there was another accident, but they won't get into the specific investigation of the facts of that particular accident.