Among the charges against Eileen Means, 60, of Churchville, Bucks County, are 15 counts of insurance fraud, five of theft by deception, and one of criminal conspiracy.

According to the Attorney General's Office, Means, who operated Frankford Therapy in Philadelphia, defrauded two insurers by submitting more than $27,000 in bills for treating patients supposedly injured in the accidents.

In each collision, a bus chartered to Atlantic City was hit moments after leaving Germantown by a car at Berkley and Morris Streets, resulting in minor cosmetic damage to the bus.

A Starr Transit Co. bus was struck on Aug. 31, 2003, and a Wertz Bus Co. bus on April 18, 2004.

After the 2003 accident, 14 claims involving soft-tissue injuries were submitted to two insurance companies, and investigators later charged nine people with insurance fraud.

After the 2004 accident, 29 claims were submitted to Lancer Insurance even though the bus had only 21 passengers. A dozen people were charged last September with fraud in that accident.

During the investigation, a witness said Means had told him of the first accident before it happened.

Investigators said they also had discovered that Means' then-husband, Scott, sold tickets for the 2004 trip and helped charter the bus.

Means and a relative were two of three chiropractors who treated more than a dozen people after each of the accidents.

Only Means was charged in this phase of the ongoing investigation. Prosecutors said she had submitted bills to the insurers for more than 50 days of treatment even though no patient was treated for more than 20 days.

"The treatments that she billed for were not done, and, even if they had been done, they would have served no purpose other than to defraud the insurers," Corbett said.