The owners of a physical rehabilitation clinic in Grand Rapids are accused in a $1 million scheme to defraud insurance companies by staging crashes and fraudulently submitting bills for physical-therapy services. Eight others have already been convicted for staging crashes in the area. Maria Del Carmen Ramirez-Rodriguez, a.k.a. Maria Del Carmen Pou, and Marvin David Ramirez are named in a 14-count indictment alleging conspiracy to commit mail fraud against no-fault auto insurance companies, healthcare fraud and mail fraud.