Tell the insurance company the other family member crashed the car, and lied to you about the accident.
You are correct that filing a false police report is a crime. Lying to the insurance company is not a crime, but if they find out, they could cancel your policy immediately and does not pay any damages. So keep on lying at your own risk.
This is what a spouse or child is for
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Insurance Fraud
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07/30/2014 postreply
10:49:18