It's wrong to commit fraud to insurance companies
Dick got into a car accident after miscommunicating with the driver of another car.
Dick wants his insurance company to help him out.
Dick takes responsibility for causing the car accident when talking to his insurance agent.
Dick tells the insurance company that the other driver was completely at fault.
The insurance company is not that burdened by helping Dick out with his car.
Money that's going to help Dick could be helping people who really need it.