The head of the Florida Division of Insurance Fraud will hire a new prosecutor to specifically handle auto insurance fraud cases. Four new investigators will also be hired. A new state law established a mandatory minimum two-year prison sentence for those convicted of staging a car crash (more work for te). It's estimated that Floridians pay $240 or more a year for car insurance to make up for fraud losses. You don't have to live in Florida to help pay for this crime through your premiums.