Valerie Ann Verdugo of Bakersfield is scheduled to be arraigned today on felony insurance fraud charges for obtaining insurance coverage without paying the carrier on those policies for more than a decade. "Verdugo allegedly used her position as a licensed insurance agent to take advantage of her insurer, which also happened to be her employer," said Insurance Commissioner Dave Jones. The 38-year-old Verdugo, a licensed agent, surrendered herself to the Kern County Sheriff's Department and was Path to Full Story on KERO Channel 23 ABC News