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Howard Ain, Troubleshooter: Car insurance scam

CINCINNATI (Howard Ain) -- A man broke hearts and wallets in an elaborate insurance scam.
He used romance to lure women to be his accomplices.  This scam artist clouded women's minds with thoughts of love.

Jan Bodon, a U.S. Postal Inspector, said, "When people think they are in love with somebody their judgment is clouded. That is why the romance scam works."
And that's why Derrick Jimerson was able to manipulate several women into becoming his unwitting accomplices in an elaborate car insurance scam.
Bodon said, "He told these ladies that he used to be an ex-cowboy player.  He said he had some trouble with the IRS and that was the reason he couldn't purchase vehicles himself."
Jimerson would give the women money to buy cars for him but persuade them to purchase and insure the vehicles in their name.
"Eventually he would call the ladies and say, 'I had an accident in your car, you have to call the insurance company.  This is how the accident happened,'" said Bodon.
Jimerson would give them very detailed information.
Bodon explained, "A lot of these ladies didn't feel comfortable doing that.  But he told them you have to report the accident yourself because the car is in your name and the coverage is in your name."
A chiropractor was a partner in the scheme.
"The deal was the chiropractor would get half of the proceeds. Mr. Jimerson would get the other half of the proceeds," said Bodon.  "Mr. Jimerson would provide the identifiers and the information to the chiropractor and the chiropractor would then go ahead and complete the medical forms."
Insurance companies lost more than $700,000 in this scam until adjustors began asking questions.

Bodon said, "He thought, 'I'm insulating myself by having accomplice be the one that is providing the fraudulent details to the insurance company.'"
Jimerson didn't count on any of the women learning about the other women.
"Some of these ladies thought they were the one and only girlfriend and it became a surprise when they saw the other defendants and realized, 'Wait, I'm a part of the 5 or 6 other ladies,'" said Bodon.

Derrick Jimerson was sentenced to 11 years and five months in prison for mail fraud.

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