I must agree. i know its wrong. I work in a body shop though, so basically I'd repair my car if anything happened. And i mean, the only way the insurance can get you on things like that is if they send an engineer round to look at the damage. and by that time i could have had the wheels off and removed the spacers. I know it's not right though.
thats depending on the type accident / crash!
you might struggle to get them off before an inspector looks at your car if your in intensive care!