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Yeah, it's insurance fraud. If you want to turn this thread around (and avoid an infraction), I'd suggest changing it to ask about ways to get rid of your car with minimal monetary loss.
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I don't know, is it? All I did was lose control of my vehicle D:D:
This is a "hypothetical" thread
and, well, I thought it would be a fun discussion Mod's delete if thou shalt think otherwise
I've got pretty damn good credit now after 2 years...how would I go about refinancing? Go up to my lender and say "hey, make it cheaper?!"
I believe you get a new loan(re-fi loan) to pay off the old loan and then start paying off the new loan.
but I could be wrong.