thats exactly what it is...insurance fraud...happens a lot more than we realize in body shops ect...another example would be going to a glass shop with a reapirable chip in your winshield and you have full coverage on the vehicle.if you have full coverage usually glass ded. is 50.00 regardless if its a repair or replacement.glass shop charges the insurance company for a replacement and only does the repair...used to work for geico so i know lol![]()