The defendants — Guillermo García, 46, Mayre López, 39, and Taymi González, 35 — pleaded not guilty and are awaiting trial.
During the period of the alleged scam, the defendants received payments totaling $1,695,543.46, according to the indictment.
The claims were submitted to different insurance companies, including Allstate Insurance Company, Geico, Infinity, Metlife, Progressive, State Farm and Travelers of Florida.