Fatguy - are you aware of the repercussions for insurance fraud ?
I am and I don't.
But it goes on anyway. How many times do you speed? Ever cheat on your wife? Taxes? The restaurant that burns down in the middle of the night. Etc.
More to the point - have you ever seen insurance companies refuse to pay? Drag on and such while people suffer physical pain and disability? Sell the house? Destitution even though they did nothing wrong? Nobody is innocent. You are just a number and a price tag to them.