Oh and by the way....
Don't think your insurance company is stupid (or the government for that matter). They do not like paying out claims which they feel are winable (meaning they don't payout). They have investigators as do the government. Do you think they don't have an idea what goes on? I got the pinch for not claiming (and it was 4yrs later, from the government which is FAR WORSE than ANY insurance company). I know exactly how they found out, too bad it was after the fact. Came from many people.
Same goes for the government.... as I stated above... DO NOT screw with the government. They DO NOT appricate it. You can commit MANY dispicable crimes and receive far less punishment by court system. Nothing p's them off more then not getting paid (ask anyone who has been audited).
Just a word of advice and warning.