Originally Posted by Nelly68
I used to work for insurance company. Any time someone reports a "Loss" one of the first things they review to verify coverage is see what changes have been made to your policy. Adding coverage or changing deductibles within 60-120 after a loss is reported is a major red flag.
I think the OP should do it. He'll be able to try out the spacious rear seat of a Crown Vic and will make new friends in the pen.
Aside from red flags, insurance companies are cracking down on fraud and there are many instances where insurance companies are prosecuting to the full extent.