I don't think it is an insurance scam. Why risking your life? Just go to the wrong part of the city and park the car on a desert, dark street. It won't be there when you are back, go to the police office and report the steal. After all, you can park where you want, don't you?
To me it looks more like a jealous wife/husband. The important question here is: was the driver the owner of the car?