If the buyer's country is under international sanctions, or if the buyer fails to provide a legitimate source of funds leading to the bank returning the payment, all transfer fees and exchange rate losses incurred during this period are to be borne entirely by the buyer.

If insurance claims records are accessed, there will usually be notes like "the insured vehicle is fully responsible for hitting a fixed object" or "third-party liability insurance payment." We can roughly reconstruct the accident scene based on this and cross-verify the stress points on the vehicle's frame with paint thickness gauge data.

Use credit check apps (like Check Doctor or Ant Queen) to pull the complete accident record.