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Again, insurance fraud is a felony crime. * No. When a claim is made the owner of the vehicle is required to present the vehicle for an inspection by the insurance claims investigator. The owner will also be required to fill out a report concerning all relevant facts to the accident (time, place, other vehicle involved, etc.) Claims adjusters/investigators are very well trained in what to look for especially when the issue may be one of a fraudulent nature. However, it is not unlikely the person would be charged with a criminal offense, unless the insurance provider paid the claim (not likely) and it was later proven the insured intended to defraud the provider. Still fraud, still a felony. * No, insurance coverage/reimbursement whether vehicle or other property is not retroactive. That's fraud and it's very easy to detect, so unless you want to be arrested and prosecuted, I wouldn't try it.

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Q: If you buy auto insurance when your car is already damaged and needs fixed will they pay to repair it?
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