H2 guy,
Be careful...NJ will catch you for insurance fraud. ANY change to a policy with a following claim within 30 days raises a flag and WILL be investigated.
Not that I care but I KNOW someone that was caught doing EXACTLY what you are doing. He had a small fender bender...no police report. Called and lowered his deductible...then reported a week later. Got SEVERAL calls from fraud department. Long story short...they did not pay. Gave him a choice...pay in full, or be charged with fraud.Check the fine print on your policy folks.
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