A man was arrested after submitting 41 applications for auto insurance for a variety of luxury vehicles. The man never owned the vehicles and used fictitious and counterfeit information to submit the applications to insurers. The man then would stop payment of the premium on his underfunded bank account and then request a refund from the insurer before the invalid payment had been completely processed. He attempted to collect $206,000 and successfully obtained $44,704 before the fraud was discovered. He was charged with organized scheme to defraud, insurance fraud, grand theft, and fraudulent use of personal identification. If convicted, he could face up to 10 years in prison.