I was in two of those, but with collisions. The first time I was a fairly new driver and did not think of the possibility that the other driver may have stopped and waited for an insurance check. She had kids in the car, so doing that deliberately seems unlikely. Dented fender and damaged driver's door hinge, $600 repair. The other time, I was a passenger in what was clearly a scam situation. The scam artist knew the procedure but not the art. He suggested he be paid $100, since he was planning to take the car in anyway for other repairs, so insurance companies don't need to be involved, and we must have money because we were in a big car.
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