I was driving my car and crashed it. When i made the police report I told them it was stolen, so they filled out a stolen vehicle report. I also told my ins company that it was stolen and after reviewing the evidence they dont know if they are going to pay. So my question is when is it considered ''insurance fraud'' because my insurance agent told me that if it was actually me driving to just tell him so that he could process the claim. But by doing this now at this point could I face fraud charges?