"In this case, I’m not sure that there ever was a crash," Ryan James, with the Arkansas Insurance Department, said. As U-Haul locations across Central Arkansas load up their trucks for law abiding customers, the Arkansas Insurance Department is unloading a conviction on a woman they say hitched onto a U-Haul for insurance fraud. "They decided and figured out, well we don’t need to get two cars if we go get a rental," James said. Chemer Beene was sentenced to three years in state prison last week after she was found guilty of a scheme to collect payouts from U-Haul’s "Safe Move" insurance plan.