But it won’t work.
It might, in fact, land you in jail.
Here’s how that works:
- You make a claim against your own insurance; they pay. And then they turn to the other driver’s insurance and find that you are ALSO claiming against them. You are trying to “double-dip,” which is a fraud. And given the money involved, your attempt to do so might even be larcenous.
- The best that can happen is that your own insurance will be canceled, and your fraud will become part of your claims record. From that point forward, expect any insurance to be very expensive and possibly not even available — you’ll have to go with your state’s Assigned Risk program or an SR22. Your homeowner’s insurance will probably also be canceled — you’re bad news.
- The worst that can happen is all of the above, plus jail time.