A Broward County man is facing criminal charges after state investigators say he ran a car insurance scam using vehicles he never actually owned. His name is Adam Mahmoud Otrok, and he was arrested on August 6, 2026.
The Florida Department of Financial Services says Otrok tried to pull in $206,000 through fake insurance applications. He didn’t get all of it, but he did walk away with $44,704 before the scheme fell apart.
How the Scheme Worked
Here’s the part that’s actually kind of clever, in a bad way. Otrok allegedly submitted 41 separate vehicle insurance applications for luxury cars that weren’t his. To make the applications look real, he used counterfeit and made-up personal identification, according to investigators. Some reports say he used identification tied to family members and coworkers.
Once a policy went active, he’d send an electronic premium payment from a bank account that didn’t have enough money in it. Then, before the payment could bounce, he’d cancel the policy and ask for a full refund. Basically, he was gaming the timing between when a payment gets requested and when it actually gets flagged as invalid.
It didn’t always work, though. Some reports note that Progressive, the insurer involved, caught a chunk of the requests through its own internal checks and denied the refunds. That’s likely why he only pulled off $44,704 out of the $206,000 he tried for.
Charges and What Happens Next
Florida’s Chief Financial Officer, Blaise Ingoglia, announced the arrest and said his office is not letting up on fraud cases like this one. The Department of Financial Services Criminal Investigations Division led the investigation, but the actual prosecution is being handled by the Broward State Attorney’s Office.
Otrok is charged with:
- Organized scheme to defraud
- Insurance fraud
- Grand theft
- Fraudulent use of personal identification
If he’s convicted, he could be looking at up to 10 years in prison. He was booked into the Broward County jail and released on bond the day after his arrest. He’s since pleaded not guilty.
Why It Matters
Cases like this one keep popping up in Florida, and officials say they’re not slowing down on going after them. Insurance fraud might sound like a smaller crime compared to something like a multi-million dollar bank fraud case, but it still costs insurers, and eventually policyholders, real money. The state’s fraud investigators seem to be leaning into that message pretty hard lately.