Imaam making intention of fardh salaah after starting the salaah

Q: I was the imam in a salaah while travelling, a few other travellers also stopped, joined us and we performed salaah.

We had departed after Fajr, and had decided we will stop for Zohr at this location. After stopping we had meals etc. made wudhu and went to perform salaah.

At the time of starting the 2 rakaat jamaat salaah, I don't remember having a definite intention of performing Zohr Salah itself, although it was for this very reason we stopped. After saying the takbir the thought came into my mind that what salah am I performing? Is it Asr? Then I immediately realised no its Zohr.

After salaah I mentioned this to an alim there who said its fine, since we stopped for that very reason so "ilm" was evident, and "amal" as well was evident. When these two are found then this is sufficient, its not necessary to make the specific intention before salah.

1. Is this correct? Is the salah valid?

2. If it is invalid, what should one do when the musallis behind one cannot be traced?

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?