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I am sorry to hear this has happened. In a case of filing a false report, even though you are sorry and tried to correct it, the crime was committed at the time you filed the report. In MO, this is called making a false declaration, which is a violation of MO Statute 575.060 and it is a class B misdemeanor
punishable by up to 6 months in jail and up to a $500 fine.
The bigger problem is if you made any false claims to the insurance company because that is insurance fraud
and it is a felony and much more serious, even if you tried to correct it later. I do not know if you made any false claims to the insurer as it was not clear above from what you told me, so I am answering with the information just in case you did.
If you did not make any false claims to the insurance company, then the false declaration charge is rarely prosecuted in MO and even if it is on a first offense you are likely to get a deferred sentence
and fine and after 12 months they will agree to dismiss the case and expunge.
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