Why does Toyota Encourage Insurance Fraud?

I am heartened to find that I am not the only person confused by the most recent Toyota ad campaign that encourages consumers to commit insurance fraud by destroying their current rides and using the proceeds of bogus insurance claims to purchase new vehicles.

The ads are inane and not even that funny. Case in point -a wholesome American family bonds by pushing a huge boulder over a cliff onto an unsuspecting road runner, I mean, Four-Runner. What a riot!