What a great scam! Bill two insurance companies each for a single injury, and pocket the extra money. Even better, don’t wait for a REAL accident, make one! How often do I need my thumb anyway? With my rusty chainsaw, I might even get lucky and pick up a case of lockjaw.
[OT]Actually, by its own acknowledgment, the segment in Four Rooms wasn’t that original. It was based on a Roald Dahl short story, The Man from the South, that was subsequently dramatized on TV several times (most memorably on an ep of “Alfred Hitchcock Presents” with Steve McQueen and Peter Lorre that was also directed by Hitchcock).[OT]
As for the OP, given how most insurance companies are loathe to making huge payments for claims, I would think they would thoroughly investigate the incident before paying out. If there was any hint it was due to chicanery (or stupidity), they would likely reduce the recovery substantially if not outright.