Article: Organized fraud rings fuel high New York auto-insurance rates.

Byline: Jonathan D. Epstein

Jul. 23--A staged car accident in Brooklyn may seem meaningless to you in Western New York.

It isn't.

You're paying at least $60 more a year for your car insurance because of a ballooning fraud industry. Despite an all-out offensive against it, losses and rates could go higher.

Once a local scam concentrated in New York City, the crooked business is spreading across the state as perpetrators take advantage of quirks in state laws, investigators say.

And that puts you at risk of paying even more for it, with your money or your well-being.

Fraud used to be a haphazard occurrence involving a ...

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