The intent is to get coverage for future claims after the accident has happened correct? Insurance companies don't do this because they almost always lose money. One problem leads to another... It's a bad financial decision. That's one major reason why rates are now skyrocketing, unless your union, they got a special deal.
In a car accident you can fix the cosmetic damage but it severely diminishes the value because future buyers don't know what else has been damaged as a result. It appears to be healed but in most cases it's not. It's a risk that more often than not costs the buyer more money.
