<prompt> Human: I had someone hit my car from behind and take off. I dont know who they were and no one saw it. My left drivers side light has been smashed. I called my insurance company to report it, but my deductible is 1k and I cant afford that. Is it possiblelegal to change my deductible rates NOW to 100, get the damage fixed, and then change it back to 1k after the repairs are done? The car is a lease, if that helps.  <response>: Unwise. People go to prison for that. 