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I once got rear-ended by a lady (my car was totaled) who told me two things as we were waiting for the cops that I will never forget:
"I just got my new glasses prescription, but I'm not wearing them today."
"I wasn't supposed to be driving my husband's truck. We don't have to let the cops know it's my husband's truck, right?"
The cops got informed. I got a new car.
Reminds me of the time I was rear ended and the guy told me it was because he was playing candy crush.
I might have kept the second thing to myself depending on why she wasn't supposed to be driving it. Though, it's not like she can keep what happened from her husband.
Some insurance won't insure on certain vehicles unless people within the household sign an affidavit saying they will not be the ones driving it, usually based on their previous history. Seeing as she didn't want the cops to know, I'd guess it's something along those lines.
Insurance fraud.