I love it how the government toutes how much the taxpayer is going to save, when in fact it is not their intention at all. Why would the government care if insurance companies are frauded? They don't. What they do care about is better control over it's people.

How is that fraud? If you don't claim something and fix it yourself, are you obligated to report it to your ins company?

Not that I know about. I have had small accidents where I paid to fix my car myself. One required a new hood, bummper, headlight mounts and a few other odds and ends. I had a body shop paint the parts and then instslled it all myself. There was no need to call the insurance company because they were not paying for it.

The next owner knew about the accident because it was my brother.

James