[Oni]

What you're asking is dangerous and also incredibly unethical. There's the possibility you get injured and you cause someone else's rates to increase. If their vehicle is damaged and you're found to have caused the collision intentionally, you'll only make your situation worse.

If you were seriously considering doing this, you've already stated the obvious. You'd need someone to damage your car in a situation where a collision was caused and you aren't at blame. Doing this with an already damaged vehicle seems incredibly silly. I'd highly recommend seeking financing or a loan instead.