I think it depends on two things. One, does your ins company adjuster have to look at it first? Two, will the body shop work with your idea so they can write it up in a way to make sound like its from the same event? If an adjuster doesn't have to look at it, I'm sure my paint shop would get around it. Ins fraud is taken seriously so you have to cover all your bases.

Its a fine line to walk.

James