In People v. Moloy (2000) 84 Cal.App.4th 257, Maloy staged accidents and conspired to present false and fraudulent claims. The court found that the insurers themselves were the direct victims of defendant's crimes as they were the object of the criminal conspiracy. The manner in which Maloy carried out his crimes illustrates why the insurance companies were the objects of the crime. Maloy and others caused unsuspecting motorists to collide with cars driven by himself and his associates. In other words, while Maloy and the other drivers were the actual victim of the staged automobile accident, the insurance companies were the victim's of Maloy's conspiracy to defraud, for which he was convicted.