Could any of this constitute bankruptcy fraud or insurance fraud? I don’t have any information indicating fraud at this point.
If you need (or want) to buy a new car while in bankruptcy, it is common for bankruptcy lawyers to advise clients to have friends or family members purchase the vehicles for them. The main problem with buying a car while in bankruptcy occurs when you need to finance the vehicle. You may need permission from the bankruptcy court. Since this vehicle was purchased with cash, the issue of incurring debt does not appear to exist.
How could insurance fraud occur? If the original “accident” was not really an accident, that could be insurance fraud. If the insurance company was paying for a replacement vehicle and was deceived about the fair market value of it, I suppose that might be insurance fraud. However, based on the limited information available about the accident, insurance claim, and vehicle purchase, I do not have any reason to suspect insurance fraud at this time.