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Insurance Fraud GT-R? – Click above to watch the video after the jump

Why is it that people engaged in illegal activities feel compelled to record their indiscretions? It's just a really, really bad idea. And a bad idea becomes an act of outright stupidity when said video is published on YouTube, where any random investigator can easily find evidence that can be used against the guilty party. This just makes sense, right? Obviously not for everyone.

According to the San Gabriel Valley Tribune, Jay Chen, the 21 year-old owner of a wrecked Nissan GT-R, apparently now knows this lesson all too late, as the accused street racer allegedly crashed his Ivory Godzilla on a Glendora mountain road in California. The SGVT reports that Chen and his sister Tracey gave insurance investigators conflicting testimony after the March, 2009 accident, sending up red flags. Chen later called the insurance company and informed them that he would pay for the damages himself, only to claim another accident three months later on 60 Freeway in Riverside, CA.

Unfortunately for Chen, during the paperwork processing following that 'second' accident, the body shop informed Chen's insurance company that it had been holding on to the mangled GT-R since March. Investigators then searched YouTube for any evidence of the incident, and apparently they believe that they've found it – the insurer alleges that the footage shown after the jump incident shows damage consistent with that of Chen's GT-R after a mountain run with a Mitsubishi Evolution IX MR goes awry. The actual crash doesn't look all that bad, but the apparent $76,000 repair bill shows that near-supercars can cost a boatload of money to fix.

Regardless of the severity of the accident, as a result of the investigation, Chen has officially been charged with six felony counts of insurance fraud, and his sister has been charged with one count. If you are in your late teens or early 20s and you're wondering why you're paying over $300 per month to insure your battered Honda Civic, hit the jump to see why.

[Sources: San Gabriel Valley Tribune, YouTube]

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    • 1 Second Ago
      • 4 Years Ago
      For $76,000 may not be the actual repair bill unless damage cracked the block, etc. If the damage got up into the cowl & floor most insurance companies would call it a structural total loss because there are few ways to repairs those & keep the car square. Even if it was not a structural total loss, it could be a 'constructive total loss' meaning the repair bill plus all the other costs (rental etc) plus the salvage value. Repairs like on a Vette when I worked as an adjuster could easily run $25,000-30,000 *plus* the salvage value of the car which is probably still $35-40K in this condition. Constructive total losses are handy for claims that the adjuster knows will be messy & come back to bite you if you try to repair it.
      • 4 Years Ago
      This really pisses me off. Like the articles says, "If you are in your late teens or early 20s and you're wondering why you're paying over $300 per month to insure your battered Honda Civic, hit the jump to see why." I'm 17 and now I fully understand why my insurance is so fricken high! It's because of jack-asses like this! I don't even go over the speed limit and probably paying the same price on insurance as this idiot is. Ughhhhhh!
      • 4 Years Ago
      $76K to fix that!

      You know what they say about fools and money . . .
      • 4 Years Ago
      If you want to make it into a race thing, go ahead. I'm using it in the sense that he's a stupid kid who does stupid crap to his car. You all know the acronym:

      RICE: Race Inspired Cosmetic Enhancement

      Who care's what race the kid is? Oh wait, you do.
        • 4 Years Ago
        Damn you autoblog... that was in reply to compy thinking I'm a racist.
      • 4 Years Ago
      HAHAHAHAHAHAHA!!!! Wait a sec, HAHAHAHAHAHAHA!!! This dumbass has no money, he lives with his folks and doesnt pay rent or contribute to the household. ALL his parents fault, whatever money these punk kids get they buy this crap. HAHAHAHAHAHAHAHAHAHA!!!!!!!
      • 4 Years Ago
      ahhhhh so the GTR is finally causing some trouble huh? lol
      • 4 Years Ago
      Cost aside, what makes those A-holes think they can take up both lanes of a mountain road? At night. Stupid ricers.
      • 4 Years Ago
      How many stereotypes can they fit into this story?
      • 4 Years Ago
      When I make the following comment, I am thinking about the rest us legit people who have to pay higher premiums because of fradulent people like this.

      In exchange for Chen's left testicle, fix his car. In exchange for his right testicle, drop the felony charges. That way, whenever he has to go to the restroom he will remember what he did.

      On second thought, public embarrassment and six felony charges are better. Good luck Chen getting hired ANYWHERE. People in the USA don't look very kindly on FELONS.

      Sad truth. Bad decisions = consequences. As you are about to learn, big brother and Uncle Sam have very large penises to slap you with. Hahaha.
        • 4 Years Ago
        Go ahead and take the testicles. AT least that way, the moron can't reproduce!
        • 4 Years Ago
        Don't worry about Mr. Chen's future - he'll just run yet another "cash only" asian business. Apparently the IRS doesn't have any agents that speak Chinese....
      • 4 Years Ago
      The GTR needs a new driver and owner. He belongs in a Honda.

      Anyways, I bet daddy and mommy will get him another GTR.
        • 4 Years Ago
        That guy should stick with a Toyota Prius with no brakes.
      • 4 Years Ago
      This will not make anyones rates go up. The insurance company will not be paying for this loss.
        • 4 Years Ago
        So then there were no costs to the insurance company for any aspect of the investigation of this accident? While some of the cost to the insurance company would likely fall within the scope of normal operations, locating the youtube video and tracking it through the proper legal protocols and using the information to arrive at a legally binding decision is probably equivalent to a fairly hefty claim which the insurance company will want to be compensated for. Unless your insurance company doesn't mind spending this kind of money on you, I would disagree and say that the insurance company can make a compelling case to raise their rates.

        Besides, if you were an insurance company and the GT-R owner wanted insurance from you, would you give him the same rates as someone without a criminal history of insurance fraud?
        • 4 Years Ago
        This is probably just a tip on the iceberg. You KNOW how many of these idiots are out there.
      • 4 Years Ago
      Apparently the kid was begging people not to post the videos on youtube that night, haha
        • 4 Years Ago
        it's funny when you think about the fact that the video was on youtube shortly after this happened, yet they proceeded to try to defraud the insurance company anyway....even though they knew there was video evidence on the most visited video sharing site in the country.
        • 4 Years Ago
        The article suggests that he posted the video himself, which obviously it was shot from the Evo and ends with a picture of an Evo gloating about the victory. So yeah, the kid deserves what he gets, but this adds insult to injury by suggesting he did himself in with the evidence.
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