It would seem obvious that if you're stupid enough to try defrauding an insurance company you wouldn't post your efforts on YouTube - or would you?
- shares

US Nissan GT-R owner Jay Chen thought portraying his late-night run down California's Glendora Mountain would go unnoticed by his insurer, even after being caught-out when he and his sister gave conflicting accounts of the March 2009 accident.

21 year old Chen smashed his ivory white GT-R in to a guardrail while chasing a friend, driving a Mitsubishi Evo IX MR, down the snow-covered hills. The whole episode was caught on film and posted to YouTube.

When his insurer questioned Chen's account of the accident, he withdrew the claim saying he would fund the US$76,000 (AUD$83,220) repair bill himself, only to claim another accident in the same car three months later.

Unfortunately the lad wasn't too bright, and during the paperwork following that second accident, Chen's panel beater informed his insurer that he had been holding the car for three months and that the subsequent insurance claim was in fact fictitious. Investigators then searched YouTube for any evidence of the crash, and guess what - they found it (fast forward to 1:50 to see the crash).

As a result of the investigation, Chen has officially been charged with six felony counts of insurance fraud. His sister was also charged with one count.(with San Gabriel Valley Tribune / YouTube)