An undercover, multi-agency investigation two years in the making has resulted in charges against three individuals tied to an insurance fraud scheme. The case began when agents with the National Insurance Crime Bureau began investigating vehicle accidents whereby the victims were ushered to a Houston chiropractic clinic and then guided to an attorney with ties to the clinic. On July 17, 2012, an individual was involved in an automobile accident in the 22000 block of U.S. 59 in Richmond.