Ya fingerprints mean that you were there in the car , so what !! its your car , of course your prints are gonna be in there !!
A clever insurance scam might be their only way out , hopefully they planned out ...even then the Insurance company will have plenty of questions for them , including their sales records , financial records ,police and criminal records, bankruptcy , missed payments etc. etc . ..insurance companies do not pay out that easily . Lawyers will have to be involved for sure ...and we all love lawyers