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The four face up to 10 years in jail if convicted on all charges.

A law firm initially proposed a $100,000 settlement and alleges the insurer concealed a $500,000 death-claim limit.

A worker fell and hit his head on scaffolding erected on a trailer attached to a covered vehicle.

While auto claims frequency in the United States has decreased over the last several years, claims severity has continued to climb.

Overall, 21% of auto and 30% of home policyholders said they've misled their insurer to save money.

In addition to keeping premiums, the broker also drafted fake certificates of insurance to cover up his crime.

There were 55,166 motorcycle fatalities in the U.S. between 2011-2021, according to the NHTSA.

The scammers, hailing from Washington and California, attempted to swindle more than $657,000 from insurers.