Sorry John, I am your insurance agent and I now will know what really happened. Sorry John, just skidding, but you probably are SOL unles your lucky at gambling. Odds are they might not catch you in a white lie, but if they do you will be sorry you tried. They take that fraud stuff pretty serious and would rather spend a million dollars trying to catch you lying then just to pay for the mistake. Sometimes its better to bite the bullit and this is one of them times !