In its quest for victims of car wrecks, a Minneapolis company called Linea Latina de Accidentes sponsors bikini contests, grocery giveaways and street festivals. The "Latino Accident Line" promises to dispatch an interpreter to help Spanish-speaking accident victims navigate the medical and legal bureaucracy. Allstate Insurance Co. and several other insurance companies have a different description of Linea Latina. In a lawsuit filed in U.S. District Court, the insurance companies claim that Linea Latina, two Minnesota chiropractors and a Florida man orchestrated an elaborate insurance fraud that hounded accident victims into making phony claims and cost insurers over $1.6 million.