Musaafir staying in different suburbs for few days each

Q: If I travel from Johannesburg to Durban for 20 days, but stay at different suburbs in Durban for a few days each, e.g. Musgrave, Sherwood, Overport, Clare Estate, Westville, etc.

1. Would I be a musafir?

2. What is considered in determining whether a place is considered as one or two different places? E.g. Is it based on the city name, suburb, physical break in buildings, etc?

Faking an accident and claiming from the insurance company

Q: A while back a friend invested in a car but got financially stuck and became maqrooz of many people. Another friend of his suggested to insure the car via Takaful and get the money through them.

So the process would go like this, for a while the car was insured and then after 3 or 4 months they faked an accident and lodged a claim. During this process they had to lie about the accident and where and how it took place. The insurance accepted the claim and gave them the sum of the car.

Now I want to know if this money is halal for them or not?