According to prosecutors, the investigation determined that the ring purchased vehicles at auction that were already damaged, had high mileage, or both, at a significantly low dollar amount. As alleged, once a vehicle was purchased, registered, and insured by a carrier, the defendants filed a total damage or total theft claim and the ring shared the profits. Investigators said that they discovered that 35 possible fraudulent auto insurance claims were filed over a four year period. Approximately 56 vehicles were used by the ring, the authorities asserted.

Numerous vehicles purchased by the suspects in this case had their odometers "rolled back" to increase the value of the vehicle before it was damaged or reported stolen, prosecutors asserted. As alleged, the remaining vehicles had significant damage prior to being insured unbeknownst to the carrier, or were believed to be damaged by the group after being insured.

According to the government, the ring victimized 12 insurance carriers: Nationwide, Stonewood, USAA, California Casualty, Allstate, State Farm, Liberty Mutual, Esurance, GEICO, Kemper, Wawanesa, and AAA. It estimated the loss for this case in excess of $500,000 at this time.

Prosecutors asserted that the suspects in this case used various schemes including incepting policies on a vehicle that had pre-existing damage, filing claims shortly after the policy's date of inception, then letting the policy lapse shortly after collecting a check for their loss due to non-payment. As alleged, they also filed suspected "staged collisions" in which they would purposely damage vehicles to the point of a "total loss" to collect an insurance claim check for the damage and staged thefts in which they got paid for the theft of their vehicle after they, themselves, made the vehicle disappear.