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

States like Florida are playgrounds for retirees – and the fraudsters who prey on them. Here's how staged accidents happen to unsuspecting seniors.

NICB reports a 58-percent increase in QCs in Florida in the past year alone. The number of staged/deliberately caused accidents in Tampa has lept 290 percent.

New York City has the distinction of being the nation's number one municipality for staged auto accident claims, the New York Alliance Against Insurance Fraud announced.

Florida ranked as the Number 1 state for generating the most staged auto accidents.