###### Abstract
[16] emphasized the significance of telematics, which maintains data in the cloud and employs convolutional neural networks to classify drivers. Another review article [17] highlighted the vital role of cloud computing in terms of productivity, finance, business, on-demand infrastructure, and database applications. Although cloud computing has many significant impacts on different sectors, there are still security concerns regarding the use of cloud computing [18]. These security concerns can be tackled by implementing blockchain. [PERSON] [19] emphasized the use of blockchain for insurance-related transactions. The study presented in [20] identified subprocesses of insurance that could be enhanced using blockchain. In another systematic literature review [21], the authors investigated how the rapidly evolving blockchain technology will greatly impact multiple stakeholders in financial services. [PERSON] et al. [22] investigated the challenges and gaps in blockchain-based smart contract applications. Although blockchain is a potential solution to cloud security challenges, blockchain also has security concerns, as highlighted by [23]. The combined use of blockchain and cloud computing can deal with many challenges; [PERSON] et al. [25] focused on how blockchain can be used for cloud exchanges. Moreover, Artificial intelligence (AI) could play a significant role in the insurance sector. [PERSON] et al. [26] proposed that AI could significantly improve and change the risky environment of the insurance industry. The research study presented in [27] demonstrated the widespread and successful use of data-mining- and artificial intelligence (AI)-based techniques for the detection of auto-insurance fraud. [PERSON] et al., in [28], used deep learning models to classify denial-of-service (DoS) attacks for security purposes. The surveys presented in [12; 13; 14; 15; 16; 17; 18; 19; 20; 21; 22; 23; 24; 25; 26; 27; 28] highlighted various possible research directions that could help to enhance the insurance sector. 1. Unfortunately, insurance fraud, which has a detrimental effect on the functioning of the insurance sector and causes losses of millions of dollars every year, was not a research focus. 2. This state-of-art review article addressed cloud- or blockchain-based auto-insurance solutions. To the best of our knowledge, no review article has discussed the use of cloud- or blockchain-based auto-insurance systems to avoid fraud. 3. The authors of [12; 13; 14; 15; 16; 17; 18; 19; 20; 21; 22; 23; 24; 25; 26; 27; 28] discussed different problems according to the scope of each article. However, the issues and challenges related to existing blockchain and cloud computing insurance systems were not addressed. This study's primary contributions are as follows:  
1. Our survey investigates state-of-the-art auto-insurance solutions that are based on either the cloud or blockchain. 2. We explore and review the pertinent literature, highlighting important characteristics and challenges for currently available forms of cloud- and blockchain-based auto-insurance. In this way, our work offers a comprehensive analysis of the existing research. Based on this, we conducted a gap analysis that identified research gaps to provide academics and practitioners with potential research directions. 3. The survey exposes various issues related to auto-insurance and offers suggestions on how to address these, as well as suggesting areas for future research. The rest of this paper is structured as follows. The literature review in Section 2 shows how our study differs from earlier reviews and surveys. Section 3 summarizes the research on cloud-based and blockchain-based auto-insurance, highlighting both the advantages and drawbacks. Section 4 lists the major issues and challenges in auto-insurance solutions. Section 5 presents suggestions for cloud- and blockchain-based vehicle insurance based on the major concerns and challenges that were identified.