 If you think that accident was not really an accident at all, protect yourself. Call the police and take pictures of the damage, the people in the other vehicles, the license plate, licenses, and registration. Tell your insurance company that this could have been a staged accident. And whenever you suspect fraud, call us at 1-800-TEL-NICB. That's 1-800-TEL-NICB. A public service message from the National Insurance Crime Bureau.