So on the vin swap thing, years ago I worked for Allstate Insurance, and ran into a VIN issue like that. What happened is the guy and his wife had matching Mercedes S-classes that they bought at the same time from the same dealer. Well when the plates came in, somehow they got switched and put on the wrong cars. Also each policy had a 4-car limit, and each car was on a different policy, so there was no immediate indication that he had 2 of them to check the vin. A year or so later, one car gets hit and totaled. The cop never checked the vin. The body shop never checked the vin. The adjuster who went out took pictures of the vin, but obviously never compared them to what was on file. The car was declared totaled, and the title branded as a salvage and transferred to the insurance company’s name and the we paid off the loan on the car. It wasn’t until the car was going up for auction that Copart called me and said the vin didn’t match. My immediate thought was fraud, but after some investigation, I found the other policy with the other car that matched the vin we had declared totaled. I don’t know what the final resolution was, but I’m sure it was a shit-show trying to get all that straightened out! So moral of the story, you can probably get away with it for quite a while, but when it goes wrong, it’s going to go very wrong.