It may seem harmless, but auto insurance fraud is a felony and could lead to years in prison. The Los Angeles County District Attorney’s Office aggressively prosecutes all forms of auto insurance fraud, including the most common scheme, known as a “crash and buy.” In a crash and buy, an uninsured individual without insurance is involved in a traffic accident, purchases insurance coverage after the fact, and falsely claims the accident happened after the coverage began. LADA Assistant Head Deputy