Six witnesses testified for the prosecution as the trial of a Tracy husband and wife charged with insurance fraud and embezzlement began Friday, July 19, in San Joaquin County Superior Court. William Tipton and Frayba Tipton are charged with making a fraudulent claim for insurance payment, perjury, insurance fraud and embezzlement. Insurance fraud investigators reported that William Tipton told bank officials that he stopped making loan payments for a 2004 Mustang Cobra because it was destroyed when his house at 27771 S. Fagan Road caught fire on July 5, 2008.