Published: Oct 22, 2010 10:56 PM EDT
Updated: Oct 22, 2010 6:52 PM EDT

FORT MYERS, Fla. - Employees of a Fort Myers chiropractor face insurance fraud charges for billing insurance companies for office visits for a man who was actually in jail.

Luiz Hernandez, Caroline Sterling and Yariselys Hernandez all face insurance fraud charges.

Investigators say the three were billing insurance companies for services they never provided.

Investigators say the suspects billed an auto insurance company for visits even though records show the man was in jail and could never have possibly visited the doctor at that time.

Insurance fraud investigators tell me they're seeing a spike in unscrupulous doctors and chiropractors trying to take advantage of insurance companies.

The most common way they say is by hiring people to stage accidents. All car insurance policies require drivers to carry ten thousand dollars of personal injury protection. It's supposed to pay for medical care if you injure someone in an accident. But in this case the participants stage an accident, and get a police report.

Then the clinic bills the insurance company for services they're not necessarily providing.

"Everyone has on their policy the Personal Injury Protection," said Lt. JD Salome, "The staged accident participants go to these shady clinics where they are administered treatment. The clinics bill the insurance company $10,000 dollars per person per incident so you can imagine how that ads up."

Investigators say this is a booming area of insurance fraud--growing more rapidly than mortgage and workers compensation fraud.

It ends up costing you because the more insurance companies pay out, the more they have to raise your insurance premium.