I know this would be insurance fraud but...

I would guess if you read your policy carefully, not having collision would mean that in a crash with your own vehicles, you would not be covered for the collision repair =)

(However, you may want to consider applying for a job with the insurance company—I imagine they have divisions who sit around and think things like this up so the lawyers can write them into the policies)

Lol! I am always thinking up weird stuff!

@knitfroggy Our insurance takes care of this scenario by ONLY paying for completed work by paying invoices. They do not send out checks to the vehicle owner.

@SpatzieLover That’s why you cut the mechanic in on it… =)

@grumpyfish Nope….In my case you must use their repair companies, too. ;) They only use full service body shops where the damage, parts, and paint are taken care in one drop off of the vehicle.

@SpatzieLover Sweet. That’s a good way to close that loophole.

@grumpyfish Yes. It was much less time consuming for us, too. My husband has had two fender bender type accidents (both not his fault) in the past two years. We were shocked at how simplified the process was. The insurance scheduled the rental car, and all we had to do was fit the repair shop into our schedule.

It certainly saves money in the long run if the insurance companies aren’t dishing out money for non-existent repairs.

You could expect to have your policy canceled if the case was sufficiently suspicious.
You better believe that insurance claims are scrutinized pretty closely. If they can find a way not to pay a claim, they’ll do it.