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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > 2019
2019 Executed Consent Orders
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December

Leonard Singleton, Newfield, NJ
Order #16-51062-12, December 20, 2019
Respondent, Leonard Singleton, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on September 30, 2015, by stating that the property he reported as stolen was not used for business purposes, knowing it was. Additionally, he knowingly submitted altered receipts in support of his claim.
Civil Penalty: $4,000

Rose Pierre-Guerrier, Brooklyn, NY
Order #19-50579-31, December 4, 2019
Respondent, Rose Pierre-Guerrier, did knowingly provide materially false information to Plymouth Rock Insurance Company on August 16, 2017 for her automobile and homeowner's insurance applications and in subsequent conversations by falsely claiming she resided in New Jersey, when in fact, she resided in New York.
Civil Penalty: $2,500

Tasleem Khan, Lumberton, NJ
Order #19-51053-04, December 2, 2019
Respondent, Tasleem Khan, did knowingly provide materially false information to Progressive Group of Insurance Companies on the first notice of loss dated February 12, 2019 and the recorded statement taken on February 14, 2019 by giving a false date of loss to obtain coverage at a lower deductible.
Civil Penalty: $2,500

Charles Maatje, Egg Harbor City, NJ
Order #19-51795-40, December 20, 2019
Respondent, Charles Maatje, owner of C & M Construction & Septic, LLC, did knowingly provide a materially false statement to New Jersey Casualty Insurance Company on January 10, 2019, by maintaining he has no employees and uses no subcontractors, when in fact, he employed and paid day laborers to avoid paying a higher workers compensation insurance premium.
Civil Penalty: $2,500

Michele Salerno, Altamont, NY
Order #19-51833-34, December 2, 2019
Respondent, Michele Salerno, did knowingly provide materially false information to Genworth Insurance Company on multiple dates between October 2018 and February 1, 2019, in support of a claim for another individual's long-term care policy.
Civil Penalty: $5,000

Luis Rosario, Union, NJ
Order #17-50354-06, December 5, 2019
Respondent, Luis Rosario, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance in pursuit of an auto theft claim that he reported had occurred on or about June 9, 2016.  Specifically, Mr. Rosario stated that his vehicle was stolen when in fact it was not.
Civil Penalty: $3,000

Rosemary Foehner, Union, NJ
Order #17-53640-33, December 17, 2019
Respondent, Rosemary Foehner, knowingly supplied false and misleading statements in pursuit of a workers compensation claim with New Hampshire Insurance Company dated April 26, 2017.  Specifically, Ms. Foehner forged a return to work letter, indicating that she was not able to resume work until August 12, 2017, when in fact the actual return date was June 1, 2017.
Civil Penalty: $2,500

Jason A. Clair, Teaneck, NJ
Order #18-54053-35, December 5, 2019
Respondent, Jason A. Clair, knowingly supplied false and misleading statements to Progressive Group Insurance Company on a policy declaration page dated July 3, 2018, specifically, by failing to disclose the garaging location of a policy vehicle, as well as licensed operators.
Civil Penalty: $1,500

Mario A. Aquije, Paterson, NJ
Order #19-50999-35, December 5, 2019
Respondent, Mario A. Aquije, knowingly provided materially false and misleading information to North Jersey Insurance Group and Met Life Insurance Company on an auto policy application dated October 28, 2015 and auto policy endorsements on October 3, 2016, and January 22, 2019.  Specifically, Mr. Aquije removed his grandson from the Met Life auto policy, as an included driver when his grandson was a driver with access to the insured vehicle.
Civil Penalty: $1,500

Luis Beato, Bayonne, NJ
Order #19-51343-35, December 17, 2019
Respondent, Luis Beato, knowingly provided false and misleading statements on an auto insurance application with Progressive Garden State Insurance Company dated April 3, 2018, specifically, Mr. Beato failed to disclose an additional licensed driver and a household resident.
Civil Penalty: $1,500

Zikea McCurdie, Paterson, NJ
Order #19-51881-04, December 17, 2019
Respondent, Zikea McCurdie, knowingly provided false and misleading information to Progressive Group of Insurance Companies in pursuit of an auto property damage claim.  Specifically, Ms. McCurdie added a 2015 Dodge Charger to her policy on April 29, 2019 at 1:21 p.m. and then submitted the auto property damage claim stating the loss occurred on May 1, 2019 at 1:20 a.m., when in fact, the loss occurred on April 26, 2019 at 5:15 a.m.  Additionally, Ms. McCurdie stated that she was the driver at the time of the loss, when in fact, she was not the driver nor a passenger in the accident.
Civil Penalty: $3,500

Carlos Velazquez, Red Bank, NJ
Order #19-51535-24, December 30, 2019
Respondent, Carlos C. Velazquez, knowingly provided a fictitious social security number to his employer which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of New Jersey Insurance Company to which he was not entitled.  Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $2,000

Selina Sarfo, Garfield, NJ
Order #19-52002-34, December 31, 2019
Respondent, Selina Sarfo, knowingly failed to disclose materially relevant information to Combined Insurance Company of America on an application for an accident and sickness protector coverage policy on August 9, 2018, specifically, by not disclosing her husband's medical condition which would have excluded him from coverage.
Civil Penalty: $2,500

Dr. Peter C. Madden, DC, Ewing, NJ
Order #19-53232-02, December 16, 2019
Respondent, Dr. Peter C. Madden, DC, did knowingly compose false medical records for follow-up visits from May 21, 2018 to August 22, 2018 that in fact, did not take place.  Dr. Madden then submitted claims to New Jersey Manufacturers Insurance Company and included falsified medical records, in order to substantiate the claims.
Civil Penalty: $45,000

Victoria T. Radzik, Woodbridge, NJ
Order #19-50309-34, December 10, 2019
Respondent, Victoria T. Radzik, did knowingly provide materially false and misleading information to GEICO Marine Insurance Company when reinstating marine boat insurance on November 27, 2018 stating their boat is currently sound, seaworthy and undamaged when, in fact, said boat sank several hours earlier on November 27, 2018.
Civil Penalty: $2,500

Nageswar Polamuri, Iselin, NJ
Order #19-50951-35, December 5, 2019
Respondent, Nageswar Polamuri, submitted false and misleading information to Geico on March 5, 2019 when he filed a claim for damage that he reported occurred on March 5, 2019 when, in fact, it occurred on March 3, 2019 prior to the lowering of his comprehensive policy deductible.
Civil Penalty: $1,500

Sundarama Sooriyanarayanan, Bridgewater, NJ
Order #19-52757-04, December 16, 2019
Respondent, Sundarama Sooriyanarayanan, knowingly made a material misrepresentation to GEICO Insurance Company by lowering his comprehensive deductible coverage on his automobile insurance policy from $1,000 to $200 effective July 15, 2019 and then submitting an auto property damage claim stating that the loss occurred on July 16, 2019 when, in fact, the claimed damage was on the vehicle prior to the lowering of the comprehensive deductible coverage.
Civil Penalty: $2,500

 
November

Ariel Ballista, Passaic, NJ
Order #14-53516-05, November 19, 2019
Respondent, Ariel Ballista, knowingly conspired with others to commit insurance fraud by knowingly participating in a staged motor vehicle accident on or about April 25, 2009, in order to receive bodily injury settlement payments and other benefits from Mercury Insurance Company, Plymouth Rock Insurance Company/Twin Lights Insurance Company and/or Farmers Insurance Company to which he was not entitled.
Civil Penalty: $2,500

Hairo Matias, Paterson, NJ
Order #15-50081-46, November 4, 2019
Respondent, Hairo Matias, knowingly conspired with others to commit insurance fraud by knowingly participating with other co-conspirators in a staged motor vehicle accident on or about January 9, 2012, in order to receive bodily injury payments and other benefits from Farmers Insurance Group d/b/a 21st Century Insurance Company, New Jersey Manufacturers Insurance Group, State Farm Mutual Automobile Insurance Company, and/or Progressive Casualty Insurance Company to which he was not entitled.
Civil Penalty: $2,500

Sarabjeet Singh, Clifton, NJ
Order #17-50978-04, November 19, 2019
Respondent, Sarabjeet Singh, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Group regarding an auto collision claim that occurred on June 22, 2016. Specifically, Mr. Singh stated that he was not working for a ride-sharing service at the time of the accident, when in fact he was.
Civil Penalty: $2,000

Charles W. Courtney, Montclair, NJ
Order #17-54847-03, November 4, 2019
Respondent, Charles W. Courtney, knowingly made false and misleading statements in support of an auto theft claim to Progressive Insurance Company on October 17, 2017. Specifically, Mr. Courtney stated that his 1999 Pontiac Firebird, in pristine condition, was stolen while parked on the street, when in fact the vehicle was never stolen and was in disrepair.  Additionally, Charles W. Courtney knowingly concealed relevant information on his application for automobile insurance with Progressive Insurance Company on August 28, 2017. Specifically, Mr. Courtney indicated he resided and garaged his vehicle in Montclair, NJ, when in fact he resided and garaged his vehicle in East Orange, NJ.
Civil Penalty: $5,000

Dorian Hutchinson, Brooklyn, NY
Order #18-50683-31, November 26, 2019
Respondent, Dorian Hutchinson, knowingly provided false and misleading statements to Progressive Garden State Insurance Company on an auto application dated November 19, 2017.  Specifically, Mr. Hutchinson provided fraudulent information, including a fictitious lease, stating that he lived in Mount Holly, NJ, when in fact he primarily resided in Brooklyn, NY.
Civil Penalty: $2,500

Chante Bullard, Maywood, NJ
Order #18-52205-35, November 26, 2019
Respondent, Chante Bullard, knowingly concealed relevant information from CURE Insurance Company on an auto application dated November 27, 2016 and again on a declaration page dated February 27, 2018.  Specifically, Ms. Bullard failed to disclose a licensed household resident.
Civil Penalty: $1,500

Michele Bove, East Hanover, NJ
Order #18-53612-35, November 19, 2019
Respondent, Michele Bove, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Company on an application for automobile insurance dated April 21, 2018.  Specifically, Ms. Bove failed to disclose a licensed household resident.
Civil Penalty: $1,500

Mounir Youssef, Jersey City, NJ
Order #18-54126-35, November 19, 2019
Respondent, Mounir Youssef, knowingly provided false and misleading information on a statement of no loss with Progressive Insurance Company on September 19, 2018. Specifically, Mr. Youssef stated that his policy vehicle was not involved in any motor vehicle accidents from the cancellation date of August 21, 2018 to the reinstatement date of September 19, 2018, while in fact, Mr. Youssef and his policy vehicle were involved in a motor vehicle accident on September 19, 2018.
Civil Penalty: $1,500

Alicia Morales, Passaic, NJ
Order #18-54379-35, November 26, 2019
Respondent, Alicia Morales, knowingly made a material misrepresentation on her automobile application with New Jersey Manufacturers Insurance Company dated December 22, 2015.  Specifically, Ms. Morales failed to disclose her sister as an additional licensed household resident.
Civil Penalty: $1,500

Varsay O. Lewis, Montclair, NJ
Order #18-54940-41, November 4, 2019
Respondent, Varsay O. Lewis, knowingly provided false and misleading information to Northwestern Mutual Insurance Company on a life and disability insurance application signed and dated on September 12, 2018.  Specifically, Varsay O. Lewis failed to disclose his complete medical history in the past ten (10) years on a medical history questionnaire.
Civil Penalty: $1,500

Carlos Ramirez, Garfield, NJ
Order #19-50360-04, November 19, 2019
Respondent, Carlos Ramirez, knowingly provided false and misleading statements on an auto property claim with Travelers Insurance Company dated November 16, 2018, specifically, by indicating that the dent on the tailgate occurred in the past five months, when in fact it occurred in 2015.
Civil Penalty: $1,700

Audrey DeJonge, Fort Lee, NJ
Order #19-51697-10, November 4, 2019
Respondent, Audrey DeJonge, knowingly submitted false and misleading information to New Jersey Manufacturers Insurance Company in support of a homeowner's property damage claim on June 4, 2018.  Specifically, Ms. DeJonge submitted a claim for the same item that was previously paid in full from a loss in 2014.
Civil Penalty: $2,000

Ivan Gomezpenuela, Fort Lee, NJ
Order #19-51764-35, November 4, 2019
Respondent, Ivan Gomezpenuela, knowingly failed to disclose household members on a CURE Insurance Company online address change form dated January 27, 2018 and again on an automobile renewal application signed on May 15, 2018.
Civil Penalty: $1,500

Geeton Bowier, Linden, NJ
Order #18-53909-41, November 12, 2019
Respondent, Geeton Bowier, did knowingly provide false and misleading information when he completed and submitted his application for individual disability income insurance on April 24, 2017, and during his phone application interview on April 26, 2017 with Mutual of Omaha Insurance Company.
Civil Penalty: $2,000

Craig Euston, Sr., Roselle, NJ
Order #18-53928-35, November 25, 2019
Respondent, Craig Euston, Sr., knowingly made a material misrepresentation to New Jersey Manufacturers Insurance Company by not disclosing a licensed household driver on a renewal questionnaire dated July 28, 2017.
Civil Penalty: $1,500

Roodjina Charles, Linden, NJ
Order #18-54907-04, November 12, 2019
Respondent, Roodjina Charles, did knowingly provide materially false and misleading information to Progressive Insurance Company relative to her auto property damage claim by stating that her insured vehicle was involved in a hit and run automobile accident on December 8, 2018 when, in fact, said automobile accident occurred on November 20, 2018, prior to her adding collision coverage to her automobile insurance policy on November 27, 2018 with an effective date of December 2, 2018.
Civil Penalty: $2,500

Saidulu Kommineni, Woodbridge, NJ
Order #19-50128-04, November 4, 2019
Respondent, Saidulu Kommineni, did knowingly provide materially false and misleading information to Progressive Insurance Company relative to an auto property damage claim by stating that his vehicle was damaged between December 3, 2018 and December 6, 2018 when, in fact, a VLR (Vehicle Locater Report) photograph dated November 27, 2018 shows the reported damage on the respondent's vehicle, which is prior to the policy inception date of November 29, 2018.
Civil Penalty: $2,500

Frank Protopapas, Holmdel, NJ
Order #19-50862-38, November 18, 2019
Respondent, Frank Protopapas, did knowingly provide materially false and misleading information to Progressive Insurance Company by failing to disclose a regular vehicle operator on his application for commercial vehicle insurance dated September 13, 2018.
Civil Penalty: $1,500

Grayland Meeks, West Orange, NJ
Order #19-51229-35, November 14, 2019
Respondent, Grayland Meeks, knowingly provided false and misleading information to Progressive Garden State Insurance Company when reporting a motor vehicle damage claim.  Specifically, on February 13, 2019, and February 18, 2019, Grayland Meeks represented to Progressive Garden State Insurance Company that the damage to the insured vehicle occurred after the policy inception when, in fact, the accident actually occurred prior to the policy inception.
Civil Penalty: $2,000

Robin L. Pingue, Teaneck, NJ
Order #19-51891-43, November 26, 2019
Respondent, Robin L. Pingue, did knowingly remove prescriptions from her employer's office, forged the signature of medical providers, and obtained unauthorized prescription medications from various pharmacies on 36 separate occasions which were submitted to Horizon Blue Cross Blue Shield for payment.
Civil Penalty: $10,000

Dr. Steven F. Dorfman, D.C., Vineland, NJ
Order #17-52496-24, November 18, 2019
Respondent, Dr. Steven F. Dorfman, D.C., knowingly submitted claims during the time period of October 1, 2017 through March 9, 2018 to Aetna Insurance Company, Horizon Blue Cross Blue Shield of New Jersey and Cigna Insurance Company while his chiropractic license was expired.
Civil Penalty: $25,000

Wilbert Argyle, Willingboro, NJ
Order #18-54259-35, November 12, 2019
Respondent, Wilbert Argyle, did knowingly provide a materially false statement to Plymouth Rock Management Company on July 17, 2017, by failing to disclose that another driver was the primary operator of the 2015 Ford Fusion listed on the policy, and that the vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Aiesha Coleman, Trenton, NJ
Order #19-51500-35, November 18, 2019
Respondent, Aiesha Coleman, did knowingly provide a materially false statement to Progressive Insurance Company on February 18, 2019 in obtaining an automobile insurance policy by failing to disclose that another driver was the primary operator of the insured vehicle.
Civil Penalty: $1,500

 
October

Erica P. Nevarez, Bloomfield, NJ
Order #19-51370-34, October 7, 2019
Respondent, Erica P. Nevarez, provided material false information to Combined Insurance Company of America by failing to disclose her pregnancy prior to the Sick Pay Plus Accident Coverage on January 26, 2018 to which she would not be entitled to if she disclosed her pregnancy.
Civil Penalty: $2,500

David Hochman, Monmouth Beach, NJ
Order #19-51644-41, October 8, 2019
Respondent, David Hochman, knowingly failed to disclose multiple medical conditions on an application for disability insurance dated February 1, 2019 and also during a telephonic interview with Standard Insurance on February 22, 2019.
Civil Penalty: $5,000

Danielle Jackson, Ellicott City, MD
Order #13-53200-41, October 9, 2019
Respondent, Danielle Jackson, submitted false and misleading information to American Family Life Assurance Company of Columbus (Aflac) in reference to one initial and one continuing disability claim form between May 7, 2012 and August 10, 2012.
Civil Penalty: $5,000

Shonda Mark, Altamonte Springs, FL
Order #13-53200-41, October 9, 2019
Respondent, Shonda Mark, submitted false and misleading information to American Family Life Assurance Company of Columbus (Aflac) in reference to one initial and four continuing disability claim forms between December 7, 2011 and February 8, 2012.  Additionally, Shonda Mark submitted a fraudulent return to work prescription on February 13, 2012.
Civil Penalty: $6,000

Jeannine Smith Chandler, Conyers, GA
Order #13-53200-41, October 9, 2019
Respondent, Jeannine Smith Chandler, submitted false and misleading information to American Family Life Assurance Company of Columbus (Aflac) in reference to two initial and 11 continuing disability claim forms between October 14, 2010 and January 24, 2013.
Civil Penalty: $13,000

Brittany Stewart, Union, NJ
Order #13-53200-41, October 10, 2019
Respondent, Brittany Stewart, submitted false and misleading information to American Family Life Assurance Company of Columbus (Aflac) in reference to two initial and seven continuing disability claim forms between November 18, 2011 and January 29, 2013.
Civil Penalty: $9,000

Norma J. Paiz-Cruz, Trenton, NJ
Order #17-51110-07, October 9, 2019
Respondent, Norma J. Paiz-Cruz, knowingly provided Progressive Insurance Company materially false and misleading information relative to her auto Personal Injury Protection (PIP) claim for a January 24, 2017 loss by purporting that she was a passenger in her insured vehicle when, in fact, she was not.
Civil Penalty: $4,000

Victor Delgenio, Woodbridge, NJ
Order #17-52161-10, October 7, 2019
Respondent, Victor Delgenio, knowingly provided materially false and misleading information to Narragansett Bay Insurance Company when he submitted an altered landscaping invoice in support of his homeowner's property damage claim for a January 23, 2017 loss.
Civil Penalty: $1,000

Fady Aziz, Sayreville, NJ
Order #18-53942-04, October 10, 2019
Respondent, Fady Aziz, did knowingly provide materially false and misleading information to Progressive Insurance Company relative to an auto property damage claim for an August 20, 2018 loss by reporting damage to his rear bumper when, in fact, said damage was not the result of this automobile accident.
Civil Penalty: $3,500

Nivaldo Delpino, Old Bridge, NJ
Order #19-50936-35, October 29, 2019
Respondent, Nivaldo Delpino, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company on November 6, 2017 and June 4, 2018 when he failed to disclose a licensed household resident during the adding and deleting of vehicles on his automobile insurance policy.
Civil Penalty: $1,500

William R. Richardson, Plainfield, NJ
Order #19-51112-34, October 1, 2019
Respondent, William R. Richardson, knowingly submitted a fraudulent claim form for disability to Merit Life Insurance Company on September 5, 2018, in support of the extension of his claim.
Civil Penalty: $1,500

Sandra Rivera, Neptune, NJ
Order #19-51293-04, October 30, 2019
Respondent, Sandra Rivera, did knowingly provide materially false and misleading information to Progressive Group of Insurance Companies on March 12, 2019 relative to an auto property damage claim by stating that her vehicle was involved in a hit-and-run accident on March 11, 2019 at 4:30 p.m. when, in fact, the accident occurred on March 11, 2019 at 2:32 p.m., prior to the policy inception date of March 11, 2019 at 3:44 p.m.
Civil Penalty: $2,500

Jonathan Damian, Passaic, NJ
Order #14-53516-05, October 10, 2019
Respondent, Jonathan Damian, among others, knowingly participated in a staged motor vehicle accident on or about April 25, 2009, in order to receive bodily injury settlement payments and/or other benefits from Mercury Insurance Group and Plymouth Rock Insurance Company/Twin Lights Insurance Company.
Civil Penalty: $2,500

Daniela Garcia, Passaic, NJ
Order #15-50081-46, October 23, 2019
Respondent, Daniela Garcia, knowingly conspired with others to commit insurance fraud by knowingly participating with other co-conspirators in a staged motor vehicle accident on or about January 9, 2012, in order to receive an automobile damage claim payment from Farmers Insurance Group, dba 21st Century Insurance Company, to which she was not entitled.
Civil Penalty: $2,500

Elvis Parra, Closter, NJ
Order #15-51129-40, October 23, 2019
Respondent, Elvis Parra, President of E&K Trucking Company, on or about November 21, 2012 to about March 30, 2014, did knowingly provide false and misleading information to Liberty Mutual Insurance Company regarding their Workers Compensation Insurance Policy coverage.  Specifically, Mr. Parra stated E&K Trucking employed no more than six (6) drivers during that period of time, when in fact they employed many more.
Civil Penalty: $5,000

Chris Weaver, dba C&T Towing Company, Mountainside, NJ
Order #17-50959-03, October 10, 2019
Respondent, Chris Weaver, dba The C&T Towing Company, while conspiring with another, knowingly provided false and misleading information to Allstate Insurance Company regarding an auto theft claim dated January 19, 2017.  Specifically, an inflated tow bill was submitted for services rendered on January 30, 2017, based on the premise that the vehicle could not be driven at that time, when in fact, it could.
Civil Penalty: $2,500

Stephen Sheppard, dba GL & SS Construction Co., LLC, Springfield, NJ
Order #17-52162-16, October 23, 2019
Respondent, Stephen Sheppard, dba GL & SS Construction Company, LLC, knowingly provided false and misleading information to Penn National Founders Insurance Company in pursuit of a commercial property damage claim.  Specifically, Mr. Sheppard stated that damage to the awning and structure of his building was the result of an accident that occurred on January 11, 2017, when in fact this was a previously paid duplicate claim for damages that were the result of an accident that occurred on March 24, 2014.
Civil Penalty: $2,500

Karen Rouse, Paterson, NJ
Order #17-52399-03, October 2, 2019
Respondent, Karen Rouse, knowingly submitted false and misleading information to New Jersey Manufacturers Insurance Company in support of an auto theft claim dated March 2, 2017.  Specifically, Ms. Rouse stated that her vehicle was stolen, when in fact, she was involved in a single vehicle accident on March 1, 2017.
Civil Penalty: $3,000

Conrad Jean-Baptiste, Linden, NJ
Order #17-53972-09, October 23, 2019
Respondent, Conrad Jean-Baptiste, did knowingly submit overstated transportation expense receipts, dated between December 3, 2015 and January 17, 2016 to New Jersey Manufacturers Insurance Company to benefit from a third-party automobile insurance claim that would have profited him with funds to which he was not entitled.
Civil Penalty: $2,500

Lenard J. Persin, Passaic, NJ
Order #18-51251-04, October 7, 2019
Respondent, Lenard J. Persin, knowingly provided false and misleading statements on his Farmers Insurance Policy Declarations dated September 30, 2016, February 3, 2017, June 6, 2017 and July 6, 2017.  Specifically, Mr. Persin added policy vehicles as private passenger autos, when in fact, he failed to disclose that they were used for commercial purposes.  Additionally, Mr. Persin knowingly provided false and misleading statements on his GEICO Policy Declarations dated September 21, 2017 and September 23, 2017.  Specifically, Mr. Persin added vehicles as private passenger autos, when in fact, they were used for commercial purposes.
Civil Penalty: $5,000

Estanisla Trujillo, Irvington, NJ
Order #18-52595-04, October 23, 2019
Respondent, Estanisla Trujillo, knowingly provided materially false and misleading information to Progressive Insurance Company on April 5, 2018, in a recorded statement relating to a collision loss on March 24, 2018.  Specifically, Mr. Trujillo stated that he was in the parked vehicle when it was struck, whereas it was determined that the vehicle was struck in motion while being driven by his son.
Civil Penalty: $2,500

Dina Abdelgaid, Flanders, NJ
Order #18-53050-04, October 23, 2019
Respondent, Dina Abdelgaid, knowingly provided materially false information to Progressive Insurance Company in support of an automobile damage claim.  Specifically, Ms. Abdelgaid reported that her vehicle was damaged on July 16, 2018 between 2 and 3 p.m., when in fact, the damage occurred prior to 8:16 a.m. and before collision coverage was added to the policy.
Civil Penalty: $5,000

Alba C. Nunez, Irvington, NJ
Order #18-53452-35, October 23, 2019
Respondent, Alba C. Nunez, knowingly provided materially false and misleading information to Progressive Insurance Company on an auto policy application dated August 29, 2017, a coverage selection form dated November 10, 2017, and a policy renewal dated January 24, 2018.  Specifically, Ms. Nunez did not disclose additional drivers or residents with access to insured vehicles.
Civil Penalty: $1,500

Jose Ruivo, dba, A&J 1 Trucking LLP, Kearny, NJ
Order #18-53590-38, October 7, 2019
Respondent, Jose Ruivo, dba A&J 1 Trucking LLP, knowingly provided false and misleading information on an application for commercial automobile insurance with Progressive Commercial dated January 30, 2018, specifically, by failing to disclose a rated driver.
Civil Penalty: $5,000

Candida Guevara De Santiago, Union City, NJ
Order #18-54165-35, October 10, 2019
Respondent, Candida Guevara De Santiago, knowingly provided false and misleading statements on a Progressive Group Insurance Company policy initial auto application dated August 2, 2018, specifically, by failing to disclose any drivers or resident relatives on her auto insurance application.
Civil Penalty: $1,500

Maria L. Pereira, Budd Lake, NJ
Order #18-54483-04, October 23, 2019
Respondent, Maria L. Pereira, knowingly made false and misleading statements to Geico Insurance Company on November 8, 2018, in support of an auto property damage claim.  Specifically, Ms. Pereira misrepresented the time of the loss in order to have coverage afforded under her auto policy, when in fact the loss occurred prior to the reinstatement of her policy.
Civil Penalty: $3,000

Emanuel Logothetis, Wayne, NJ
Order #18-54613-04, October 10, 2019
Respondent, Emanuel Logothetis, knowingly provided false and misleading statements on an auto property damage claim with Progressive Insurance Company dated November 13, 2018.  Specifically, Mr. Logothetis stated that his vehicle was damaged from hitting a deer, when in fact, the damages were the result of prior accidents which were already paid by other insurance companies.
Civil Penalty: $3,500

Alejandro Rodriguez, Paterson, NJ
Order #19-50243-04, October 10, 2019
Respondent, Alejandro Rodriguez, knowingly provided false and misleading information to Esurance Insurance Company in pursuit of an auto property damage claim. Specifically, Mr. Rodriguez reported that the loss occurred on January 14, 2019, when in fact, the loss actually occurred in November 2018, before the insurance policy was in effect.
Civil Penalty: $2,500

Evelyn Gonzalez, Paterson, NJ
Order #19-51268-35, October 10, 2019
Respondent, Evelyn Gonzalez, knowingly provided false information to New Jersey Manufacturers Insurance Company on an auto policy renewal dated March 6, 2018.  Specifically, Mrs. Gonzalez failed to list her nephew as a licensed resident on her auto insurance policy.
Civil Penalty: $1,500

Paul Kas, Chestnut Ridge, NY
Order #19-51629-31, October 2, 2019
Respondent, Paul Kas, knowingly provided false and misleading information on several policy declaration pages with CURE Insurance Company, dated December 24, 2016, November 20, 2017, September 14, 2018, and November 20, 2018, specifically, by failing to disclose that he resided in New York.
Civil Penalty: $2,500

Jacqueline Cruz, Brooklyn, NY
Order #19-51770-31, October 23, 2019
Respondent, Jacqueline Cruz, knowingly provided false and misleading information to Progressive Group of Insurance Companies on an application for automobile insurance dated February 1, 2018.  Specifically, Ms. Cruz listed her garaging address in Bayonne, NJ, when in fact, her vehicle was being garaged in Brooklyn, NY.
Civil Penalty: $2,500

Tamia Wilkerson, Williamstown, NJ
Order #15-50582-27, October 31, 2019
Respondent, Tamia Wilkerson, dba Arch-Graphics, did knowingly present false and misleading documentation to Farmers Mutual Fire Insurance Company of Salem County on various dates, by submitting fraudulent invoices and estimates via e-mail in support of a homeowners property damage claim.
Civil Penalty: $2,500

Tami Jones, Moorestown, NJ
Order #17-54663-03, October 16, 2019
Respondent, Tami Jones, knowingly provided a materially false statement on an Affidavit of Vehicle Theft form filed with Utica National Insurance Group on August 24, 2017, indicating that a stolen vehicle was purchased for $11,000, when in fact it was purchased for $8,000.  In addition, Tami Jones provided an altered invoice and gave a false statement to the insurer pertaining to the purchase price of the vehicle.
Civil Penalty: $5,000

Melissa H. Linker, Williamstown, NJ
Order #18-52856-35, October 7, 2019
Respondent, Melissa H. Linker, did knowingly supply material false information on an automobile insurance application to Progressive Garden State Insurance Company on June 6, 2018, by failing to disclose another individual who was a resident of the household and a frequent operator of the insured vehicles.
Civil Penalty: $1,500

Siva T. Tanneru, Monmouth Junction, NJ
Order #19-51878-04, October 29, 2019
Respondent, Siva T. Tanneru, did knowingly make material misrepresentations to GEICO Indemnity Company in support of his claim, by indicating certain damage occurred on April 2, 2019, when in fact, the damage was pre-existing.
Civil Penalty: $2,000

 
September

Michael Flores, Somerset, NJ
Order #16-55759-30, September 19, 2019
Respondent, Michael Flores, from 2015 to 2019, did knowingly present a total of eight (8) fraudulent Certificates of Insurance purporting that his business, Flores Bros Landscaping LLC, was covered with commercial related insurance from Harleysville Insurance Company when, in fact, no coverage existed.
Civil Penalty: $16,000

Graciela J. Ovejero-Agnello, Bound Brook, NJ
Order #17-54767-35, September 17, 2019
Respondent, Graciela J. Ovejero-Agnello, knowingly provided false and misleading information to Progressive Insurance Company on October 17, 2017 while reinstating her auto policy.  Graciela J. Ovejero-Agnello failed to disclose the insured vehicle had been involved in a motor vehicle accident prior to making the statement of no loss to reinstate.
Civil Penalty: $2,500

Maria Vargas-Dominguez, New Brunswick, NJ
Order #19-50485-35, September 17, 2019
Respondent, Maria Vargas-Dominguez, knowingly provided false and misleading information to Plymouth Rock Assurance Company on July 10, 2017 on her application for auto insurance by failing to disclose a household member.
Civil Penalty: $1,500

Robert Goldstone, Ringoes, NJ
Order #19-50984-31, September 17, 2019
Respondent, Robert Goldstone, knowingly made materially false and misleading statements to New Jersey Manufacturers Insurance Company on three separate automobile renewal questionnaires dated April 5, 2016, April 1, 2017, and April 2, 2018.  Specifically, the Respondent stated that his insured 2013 Toyota and 2014 Infinity were garaged at his policy address when, in fact, they were being garaged in the State of New York.
Civil Penalty: $2,000

Rashid Rashid, Jamesburg, NJ
Order #19-51224-04, September 11, 2019
Respondent, Rashid Rashid, knowingly provided false and misleading information to GEICO Insurance Company by adding collision coverage to his automobile insurance policy on March 2, 2019 and then submitted an auto property damage claim stating the loss occurred on March 4, 2019 when, in fact, the loss occurred on March 2, 2019, prior to the Respondent adding the collision coverage.
Civil Penalty: $2,500

Uriel Matamoros, Elizabeth, NJ
Order #15-54955-04, September 18, 2019
Respondent, Uriel Matamoros, knowingly provided false and misleading statements to Plymouth Rock Assurance on a Statement of No Loss dated July 3, 2014.  Specifically, Mr. Matamoros denied his policy vehicle was involved in any losses during his policy lapse period, when in fact, his vehicle was involved in a hit and run prior to his policy reinstatement.  Additionally, Mr. Matamoros reported a false vehicle damage claim to Plymouth Rock dated October 26, 2014, when in fact the loss occurred on July 3, 2014.
Civil Penalty: $3,000

Angelo Cassano, Staten Island, NY
Order #19-50750-31, September 17, 2019
Respondent, Angelo Cassano, knowingly provided false and misleading information to Progressive Insurance Company on an automobile insurance policy application dated July 17, 2018.  Specifically, Mr. Cassano stated his residence was in Jersey City, NJ, when he actually resided in Staten Island, NY, where he garaged his vehicle.
Civil Penalty: $2,500

Lillian Long, Berlin, NJ
Order #19-51195-04, September 17, 2019
Respondent, Lillian Long, knowingly provided materially false information to USAA Insurance Company by stating that her vehicle was damaged by a hit and run on February 7, 2019, when in fact, she hit a stationary object which caused the damage to the policy vehicle.
Civil Penalty: $2,000

Stephen DiNapoli, Sewell, NJ
Order #18-52645-10, September 3, 2019
Respondent, Stephen DiNapoli, did knowingly provide materially false information to Farmers of Salem Insurance Company by submitting a fraudulent home repair invoice dated May 10, 2018.
Civil Penalty: $1,500

 
August

Andres A. Fernandez, Union City, NJ
Order # 18-53692-04, August 1, 2019
Respondent, Andres A. Fernandez, did knowingly provide Travelers Insurance Company with materially false and misleading information when he submitted two (2) fraudulent invoices in support of an auto property damage claim for a January 21, 2018 loss.
Civil Penalty: $3,500

Samir Shah, Flemington, NJ
Order #18-54380-04, August 19, 2019
Respondent, Samir Shah, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by lowering his comprehensive deductible on his automobile insurance policy on September 29, 2018 and then reported an automobile accident claim stating the loss occurred on October 5, 2018 when, in fact, the loss occurred prior to him lowering his deductible.
Civil Penalty: $2,000

Francisco Montufar, Bloomfield, NJ
Order #18-54539-04, August 27, 2019
Respondent, Francisco Montufar, did knowingly provide materially false and misleading information to Allstate Insurance Company relative to an auto property damage claim for an August 27, 2018 loss by reporting damage to his left rear bumper when, in fact, said damage was not the result of this loss.
Civil Penalty: $2,500

Seferino Flores, New York, NY
Order #19-50046-31, August 27, 2019
Respondent, Seferino Flores, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for automobile insurance dated August 16, 2018, and in subsequent recorded statements, by indicating that he principally resided and primarily garaged his vehicles in New Jersey, when, in fact, he principally resided and primarily garaged his vehicles in New York.
Civil Penalty: $2,500

Jeremiah Calloway, Bridgeton, NJ
Order #19-50385-35, August 27, 2019
Respondent, Jeremiah Calloway, did knowingly provide materially false information to Plymouth Rock Insurance Company by stating that he was involved in an accident on December 15, 2018, knowing that the accident occurred on December 13, 2018, prior to the policy inception.
Civil Penalty: $3,500

Umesh Bhatt, Galloway, NJ
Order #19-50685-35, August 27, 2019
Respondent, Umesh Bhatt, did knowingly provide materially false information to New Jersey Manufacturers Insurance Group by failing to disclose another driver on his automobile application dated March 11, 2015 and on subsequent renewal questionnaires.
Civil Penalty: $1,500

Ivan Alvarez, Lumberton, NJ
Order #19-50693-04, August 6, 2019
Respondent, Ivan Alvarez, did knowingly provide materially false information to GEICO Insurance Company on February 18, 2019 by indicating that a loss occurred on that day, when in fact, the loss and subsequent damages occurred prior to the policy inception.
Civil Penalty: $1,500

Nicolette Butler, Mays Landing, NJ
Order #19-50863-04, August 7, 2019
Respondent, Nicolette Butler, did knowingly provide materially false information to Progressive Group of Insurance Companies on January 20, 2019 during her First Notice of Loss and in subsequent conversations.  She indicated that the loss occurred on January 20, 2019 around 7 p.m., when in fact, the loss occurred on January 20, 2019 at 5:48 p.m., prior to the policy inception.
Civil Penalty: $3,500

Habibullah Asadi, Hollis, NY
Order #19-51196-37, August 6, 2019
Respondent, Habibullah Asadi, did knowingly provide materially false information to St. Paul Protective Insurance Company on February 20, 2019, by reporting a water loss that reportedly occurred on February 17, 2019, when in fact, the water loss was discovered on February 8, 2019, prior to the inception of the condominium policy on February 16, 2019.
Civil Penalty: $3,500

Jeffrey Self, Williamstown, NJ
Order #19-51316-04, August 27, 2019
Respondent, Jeffrey Self, did knowingly provide materially false information to Progressive Group of Insurance Companies on March 11, 2019 by indicating a loss had occurred on March 10, 2019, when in fact, the loss occurred on March 9, 2019, prior to the policy inception.
Civil Penalty: $2,500

Richard J. Shamus, Jr., Forked River, NJ
Order #17-51086-04, August 27, 2019
Respondent, Richard J. Shamus Jr., knowingly conspired with another individual in providing false and misleading information to New Jersey Manufacturers Insurance Company in support of an auto property damage claim dated March 25, 2014.  Specifically, Mr. Shamus Jr. stated that a different female was driving his vehicle and he was a passenger at the time of the accident, when in fact the other individual was the driver and Mr. Shamus Jr., was not in the vehicle.
Civil Penalty: $5,000

Romain Bacchas, Garfield, NJ
Order #17-51817-48, August 6, 2019
Respondent, Romain Bacchas, knowingly supplied false and misleading statements on an automobile insurance application with Progressive Northern Insurance Company, dated January 27, 2017, specifically, by indicating that he resided in and garaged his vehicle in South Dakota, when in fact, he resided and garaged his vehicle in New Jersey.
Civil Penalty: $1,500

Gloria Johnson, aka, Gloria Fogle, Passaic, NJ
Order #17-52594-48, August 13, 2019
Respondent, Gloria Johnson, formerly known as Gloria Fogle, on or about July 10, 2016, knowingly provided false and misleading information as to her residence and the garaging location of the policy vehicles to Progressive Group of Insurance Companies by stating she resided in Pennsylvania when she actually resided in New Jersey.
Civil Penalty: $1,500

Regina Parker, Newark, NJ
Order #17-53691-03, August 13, 2019
Respondent, Regina Parker, knowingly supplied false and misleading statements on an auto property damage claim with New Jersey Manufacturers Insurance Company dated October 29, 2016. Specifically, Ms. Parker stated that she was operating her policy vehicle while driving her daughter to the hospital because she had gone into labor when the vehicle was damaged during a shooting, when in fact, she nor her daughter were in the vehicle.
Civil Penalty: $3,000

Terry Hundar, Linden, NJ
Order #17-54769-03, August 13, 2019
Respondent, Terry Hundar, knowingly provided false and misleading statements on an auto theft claim with Progressive Insurance Company, dated June 6, 2017. Specifically, Mr. Hundar reported his 2015 Dodge Challenger Hellcat stolen, when in fact, it was not.
Civil Penalty: $3,500

Mary Carol Fardin, Maplewood, NJ
Order #18-50517-12, August 13, 2019
Respondent, Mary Carol Fardin, knowingly made false and misleading statements to USAA Insurance Company on January 16, 2018, in support of a homeowner’s property claim.  Specifically, Ms. Fardin reported that several electronic devices were stolen from her along with her suitcase, while she was on vacation, when in fact she knew these items had not been stolen and they were still in her possession.
Civil Penalty: $5,000

Carolyn Figueroa, Albany, NY
Order #18-53511-31, August 27, 2019
Respondent, Carolyn Figueroa, knowingly provided false and misleading statements on a CURE Driver's Report of Automobile Accident, dated November 15, 2017, specifically, by indicating her address as 3 Jackson Hole Drive, Unit 9, Vernon, NJ, when in fact her address was 1223 Virginia Avenue, New York, NY.
Civil Penalty: $2,500

Tangela Lawson, Hackensack, NJ
Order #18-54611-04, August 6, 2019
Respondent, Tangela Lawson, knowingly supplied false and misleading statements on an auto property damage claim with GEICO Insurance Company dated November 20, 2018, specifically, by indicating that there was no prior damage to her vehicle, when in fact, the vehicle was observed with damage prior to the accident.
Civil Penalty: $2,000

Stephanie Chung, Short Hills, NJ
Order #18-54803-41, August 27, 2019
Respondent, Stephanie Chung, knowingly concealed relevant information from Northwestern Mutual Insurance Company on an application for Individual Disability Insurance on December 28, 2017, specifically, by not disclosing her true medical history.
Civil Penalty: $2,500

Carina Chirino, Secaucus, NJ
Order #18-54815-35, August 6, 2019
Respondent, Carina Chirino, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an application for automobile insurance dated October 17, 2018.  Specifically, Ms. Chirino failed to list a licensed household member.
Civil Penalty: $1,500

Kimber Dula, Hackensack, NJ
Order #19-50235-34, August 13, 2019
Respondent, Kimber Dula, knowingly provided false and misleading information on an auto property damage claim with Plymouth Rock Assurance, dated July 20, 2015, specifically, by stating that her vehicle was involved in an accident on July 19, 2015, when in fact, the accident occurred on June 28, 2015, when she had no insurance coverage in effect.  Additionally, Ms. Dula knowingly provided false and misleading statements on an auto property damage claim with Progressive Garden State Insurance Company on January 18, 2018, specifically, by indicating that she was involved in an auto accident earlier that same day, when in fact, the accident happened on January 17, 2018, at 8:10 a.m., when there was no coverage in effect on the vehicle.  Lastly, Ms. Dula knowingly supplied a false and misleading statement to CURE Insurance in support of an auto property damage claim dated February 12, 2018, specifically, by stating that she was involved in an auto accident on February 11, 2018, when in fact, the accident occurred on January 17, 2018, when she had no insurance coverage in effect on the vehicle.
Civil Penalty: $9,000

Michael Piccininni, Parsippany, NJ
Order #19-51729-35, August 6, 2019
Respondent, Michael Piccininni, knowingly provided false and misleading information on a Correct Classification Form with Allstate Insurance Company dated June 1, 2018.  Specifically, Mr. Piccininni stated that his son had a New Jersey driver’s license for identification purposes only and that does not drive the insured vehicles, when in fact his son possessed a valid New Jersey driver's license and routinely operated the policy vehicles.
Civil Penalty: $1,500

 
July

Jenny Encarnacion, West Berlin, NJ
Order #14-53516-05, July 18, 2019
Respondent, Jenny Encarnacion, among others, knowingly participated in a staged motor vehicle accident on or about April 25, 2009, in order to receive bodily injury settlement payments and/or other benefits from Mercury Insurance Group and Plymouth Rock Insurance Company/Twin Lights Insurance Company.
Civil Penalty: $3,500

Michael Rosero, North Bergen, NJ
Order #16-53682-07, July 18, 2019
Respondent, Michael Rosero, knowingly provided false and misleading information to State Farm Insurance Company on January 15, 2016, when he stated that his 2008 Jeep was stolen, when in fact, he knew the vehicle was in a repair shop in Virginia.
Civil Penalty: $3,000

Tara Weaver, Mountainside, NJ
Order #17-50959-03, July 24, 2019
Respondent, Tara Weaver, while conspiring with another, knowingly provided false and misleading statements to Allstate Insurance Company in support of an auto theft claim dated January 19, 2017.  Specifically, Mrs. Weaver presented false information in an attempt to enhance the value of a claim for damages to their 2004 Hummer H2, as a result of the theft.
Civil Penalty: $2,500

Jessica Lee, Brooklyn, NY
Order #17-53464-31, July 18, 2019
Respondent, Jessica Lee, knowingly provided false and misleading information on an application for automobile insurance with Progressive Garden State Insurance Company dated May 17, 2017, specifically, stating that she resided and garaged her vehicle in New Jersey, when in fact she resided and garaged her vehicle in New York.
Civil Penalty: $2,500

Nalio Scott, Irvington, NJ
Order #17-53547-12, July 18, 2019
Respondent, Nalio Scott, knowingly provided false and misleading information on a renter's theft claim with Liberty Mutual Insurance Company dated July 21, 2017.  Specifically, Mr. Scott reported that his backpack and its contents were stolen during a robbery, when in fact, the robbery never occurred.
Civil Penalty: $2,500

Tyseem Hayes, Brooklyn, NY
Order #18-50079-31, July 18, 2019
Respondent, Tyseem Hayes, knowingly submitted false and misleading information to Progressive Insurance by stating that he was a resident of New Jersey when he applied for an automobile insurance policy on January 23, 2017, when in fact, he was a resident of Brooklyn, NY.
Civil Penalty: $2,500

Mehdi Mohammadish, West Caldwell, NJ
Order #18-51044-04, July 24, 2019
Respondent, Mehdi Mohammadish, knowingly provided false and misleading information to New Jersey Manufacturers Insurance on an automobile property damage Claim.  Specifically, Mr. Mohammadish claimed his vehicle was vandalized on September 1, 2017, when in fact, the incident occurred on August 23, 2017, after he lowered his comprehensive deductible.
Civil Penalty: $2,500

Nayma Edwards, Passaic, NJ
Order #18-51097-04, July 9, 2019
Respondent, Nayma Edwards, knowingly provided false and misleading information to Plymouth Rock Insurance Company on a statement of no loss dated October 11, 2017. Specifically, Ms. Edwards stated that no losses had occurred during her policy lapsed period beginning 12:01 a.m. October 9, 2017, when in fact, a loss occurred 10:24 a.m. October 9, 2017.
Civil Penalty: $3,000

Miguel A. Alas-Fuentes, Paterson, NJ
Order #18-51616-35, July 18, 2019
Respondent, Miguel A. Alas-Fuentes, knowingly provided false information to Integon Insurance Company on an automobile policy application dated November 13, 2017.  Specifically, Miguel A. Alas-Fuentes added a 2005 Ford pick-up truck and indicated it was for pleasure use, when in fact, it was used in the course of his employment as a landscaper.
Civil Penalty: $2,500

Enmanuel Castillo, West New York, NJ
Order #18-54059-04, July 24, 2019
Respondent, Enmanuel Castillo, knowingly provided false and misleading information to Progressive Insurance Company in support of an auto property damage claim, dated June 23, 2018. Specifically, Mr. Castillo provided a receipt for repairs, dated February 2, 2018, indicating that previous damage to the vehicle had been repaired, when in fact, he knew that the invoice was fabricated.
Civil Penalty: $3,000

Don M. Moreno, Nyack, NY
Order #18-54127-31, July 3, 2019
Respondent, Don M. Moreno, did knowingly provide a materially false statement to Progressive Insurance Company on an auto policy application dated August 20, 2018.  Specifically, Mr. Moreno did not disclose that his automobile was garaged at a location other than the policy address.
Civil Penalty: $2,500

Samad Gonzales, Elizabeth, NJ
Order #15-51221-09, July 15, 2019
Respondent, Samad Gonzales, knowingly made materially false statements to Repwest Insurance Company in support of his claim by indicating the crash on November 18, 2014 was accidental, when in fact, the crash was intentionally staged.
Civil Penalty: $5,000

David J. Maina, Barnegat, NJ
Order #18-53327-04, July 18, 2019
Respondent, David J. Maina, did knowingly provide material false statements to Progressive Garden State Insurance Company in support of his claim, by indicating the date of loss to be June 20, 2018 on a first notice of loss report, then indicating the loss occurred after he made a premium payment to reinstate his policy, when in fact, the actual date of loss was June 19, 2018 at 8:11 a.m., which was prior to the policy reinstatement.
Civil Penalty: $3,000

Robert Stillwaggon, Burlington, NJ
Order #19-51451-04, July 1, 2019
Respondent, Robert Stillwaggon, did knowingly submit an altered and inflated invoice to Plymouth Rock Insurance Company on March 18, 2019 in order to obtain a higher reimbursement than warranted under the insurance policy.
Civil Penalty: $2,000

Anna Jarzabek, Harrison, NJ
Order #13-54563-03, July 15, 2019
Respondent, Anna Jarzabek, did knowingly provide false and misleading information to Plymouth Rock Insurance on October 29, 2013, by providing various misrepresentations during her examination under oath.
Civil Penalty: $2,500

Chester J. Jarzabek, Jr., Point Pleasant, NJ
Order #13-54563-03, July 15, 2019
Respondent, Chester J. Jarzabek, Jr., did knowingly conceal information from Plymouth Rock Insurance during a claim process for theft on August 5, 2013.
Civil Penalty: $2,500

John Jarzabek, Harrison, NJ
Order #13-54563-03, July 22, 2019
Respondent, John Jarzabek, did knowingly provide false and misleading information to Moonachie, New Jersey Police on August 5, 2013, by stating a 2008 Bentley was stolen when, in fact, it was not stolen.
Civil Penalty: $5,000

Davon D. Walker, Trenton, NJ
Order #17-52111-03, July 9, 2019
Respondent, Davon D. Walker, knowingly made material misrepresentations to New Jersey Manufacturers Insurance Company on February 13, 2017 in support of his auto theft claim when, in fact, he knew the vehicle had not been stolen.
Civil Penalty: $4,000

Gavin E. Girdwood, North Baldwin, NY
Order #18-50387-03, July 29, 2019
Respondent, Gavin E. Girdwood, knowingly made material misrepresentations to GEICO Insurance Company on July 12, 2017 in support of his auto theft claim, when in fact, he knew the vehicle had not been stolen.
Civil Penalty: $4,000

Gamini Costa, Middlesex, NJ
Order #18-53901-38, July 16, 2019
Respondent, Gamini Costa, knowingly provided materially false and misleading information to Progressive Insurance Company when he failed to disclose a licensed employee as a regular operator on his application for commercial automobile insurance dated March 22, 2018.
Civil Penalty: $1,500

Mai Elgezery, Carteret, NJ
Order #18-54188-05, July 15, 2019
Respondent, Mai Elgezery, presented an oral statement to Allstate Insurance Company in support of her auto bodily injury claim for a February 16, 2017 loss knowing that the statement contained materially false and misleading information in that she failed to disclose a previous automobile accident where she sustained some of the same injuries as she purported to have sustained in this current automobile accident.
Civil Penalty: $3,500

Samuel Greisman, Dayton, NJ
Order #18-54411-31, July 16, 2019
Respondent, Samuel Greisman, knowingly made materially false and misleading statements on his application for automobile insurance with Progressive Insurance Company dated March 8, 2018 in that he listed Hillside, NJ as his primary residence and garaging location when, in fact, his primary address and garaging location is in Brooklyn, NY.
Civil Penalty: $1,500

George Mavrorasakis, Iselin, NJ
Order #19-50504-04, July 2, 2019
Respondent, George Mavrorasakis, knowingly made materially false and misleading statements to New Jersey Manufacturers Insurance Company on December 19, 2018 relative to an auto property damage claim for a January 31, 2018 loss.  Specifically, George Mavrorasakis claimed that the damage to his front bumper was new damage, when, in fact, the same damage has been on his vehicle since 2015.
Civil Penalty: $1,000

Christine Charlemagne, Linden, NJ
Order #19-50845-04, July 2, 2019
Respondent, Christine Charlemagne, knowingly made materially false and misleading statements to Plymouth Rock Insurance Company relative to her auto property damage claim for a January 30, 2019 loss.  Specifically, Christine Charlemagne claimed that she had no prior damage on her 2011 Chevrolet Impala before the January 30, 2019 automobile accident when, in fact, the damage she claimed to have sustained in this January 30, 2019 automobile accident is the same damage that has been on her vehicle since the year 2017.
Civil Penalty: $1,500

Agata Swider-Nedza, Linden, NJ
Order #19-51383-35, July 16, 2019
Respondent, Agata Swider-Nedza, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company by failing to disclose the true garaging location and regular operators of her insured 2001 BMW 740 and 2002 Chevrolet Tracker on a December 28, 2016 automobile insurance policy related recorded statement and on her renewal application for automobile insurance dated December 6, 2017.  Additionally, Agata Swider-Nedza failed to disclose a licensed household resident on her December 6, 2017 renewal application.
Civil Penalty: $1,500

Angel Alavez-Luengas, Old Bridge, NJ
Order #19-51655-35, July 17, 2019
Respondent, Angel Alavez-Luengas, knowingly provided materially false and misleading information to Progressive Insurance Company when he failed to disclose a licensed household resident on his application for automobile insurance dated October 18, 2018.
Civil Penalty: $1,500

Laurie K. Velez, West Orange, NJ
Order #18-54931-24, July 22, 2019
Respondent, Laurie Velez, knowingly received and accepted payment from Horizon Blue Cross Blue Shield of New Jersey on two separate checks dated April 28, 2017 and July 14, 2017 as reimbursement for two prescriptions for which she did not pay but were paid by a third party payor whereby she received a benefit to which she was not entitled.  Said checks were both endorsed and cashed by Velez.
Civil Penalty: $10,000

 
June

Elizandra Torres, Elizabeth, NJ
Order #18-53789-35, June 19, 2019
Respondent, Elizandra Torres, knowingly provided materially false and misleading statements to Progressive Insurance Company on a Statement of No Loss Form, signed and dated July 31, 2018 at 12:38 a.m.  Specifically, Ms. Torres stated that she nor any other operator listed on the policy were not involved in any accidents from July 10, 2018 through July 31, 2018.  In fact, Ms. Torres was involved in an accident on July 30, 2018 at approximately 9 p.m.
Civil Penalty: $2,500

Joseph Nicastro, Manalapan, NJ
Order #18-53960-39, June 26, 2019
Respondent, Joseph Nicastro, knowingly presented false and misleading information to Massachusetts Mutual Life Insurance Company on his application for life insurance dated October 3, 2016.
Civil Penalty: $1,000

Bernard A. Val, Asbury Park, NJ
Order #18-54570-04, June 26, 2019
Respondent, Bernard A. Val, provided a false Statement of No Loss to Progressive Insurance Company when reinstating his automobile policy.  Specifically, on September 22, 2018, Bernard Val represented that he had not been involved in any accidents between the date of the policy lapse and the time of the reinstatement, when in fact, he had been involved in an accident two hours before providing a Statement of No Loss.
Civil Penalty: $1,000

Madeline Martinez, Sleepy Hollow, NY
Order #12-51685-09, June 26, 2019
Respondent, Madeline Martinez, knowingly conspired with another individual to dispose of a vehicle so an auto theft claim, dated November 18, 2011, could be pursued with State Farm Insurance Company.
Civil Penalty: $3,000

Graciela O. Collado, Garfield, NJ
Order #16-51386-03, June 26, 2019
Respondent, Graciela O. Collado, knowingly made false statements and concealed relevant information in support of an auto theft claim to State Farm Insurance Company on or about July 14, 2015. Specifically, Ms. Collado conspired with Jose Ramos by reporting that their 2011 Honda Accord was stolen from their home in Paterson, NJ, when in fact, they knew it was not stolen and was in the possession of a friend.
Civil Penalty: $2,500

Jose Ramos, Garfield, NJ
Order #16-51386-03, June 26, 2019
Respondent, Jose Ramos, knowingly made false statements and concealed relevant information in support of an auto theft claim to State Farm Insurance Company on or about July 14, 2015. Specifically, Mr. Ramos conspired with Graciela Collado by reporting that their 2011 Honda Accord was stolen from their home in Paterson, NJ, when in fact, they knew it was not stolen and was in the possession of a friend.
Civil Penalty: $2,500

Samantha A. Mahindrakar, Jersey City, NJ
Order #17-51876-04, June 19, 2019
Respondent, Samantha A. Mahindrakar, on or about April 21, 2017, knowingly submitted a fraudulent loss claim to GEICO Insurance Company for damage to her vehicle by misrepresenting the date of the loss in order to have her vehicle repaired under her auto policy's collision coverage when in fact, the loss occurred prior to the reinstatement of her collision coverage.
Civil Penalty: $3,000

Albert Diodonet, Hawthorne, NJ
Order #17-53227-04, June 19, 2019
Respondent, Albert Diodonet, knowingly provided false and misleading information to Progressive Insurance Company when pursuing a motor vehicle theft claim. Specifically, Mr. Diodonet reported his 2006 Honda CBR 1000RR stolen and did not disclose that on May 5, 2017 he had been involved in an accident and had damage prior to the alleged theft of the motorcycle on May 9, 2017.
Civil Penalty: $2,500

Kate Boardman, Boonton, NJ
Order #18-52471-48, June 11, 2019
Respondent, Kate Boardman, knowingly provided false and misleading information to GEICO Insurance Company, on auto insurance renewals dated July 28, 2015 and July 28, 2016.  Specifically, Ms. Boardman stated that she resided at 2 Red Oak Drive, Keene, NH, when in fact, as of 2015 she resided at 37 East Passaic Avenue, Bloomfield, NJ.
Civil Penalty: $1,500

Michael Alhadef, dba, Free Star Rent-A-Car, Brooklyn, NY
Order #18-52729-31, June 17, 2019
Respondent, Michael Alhadef, knowingly made false and misleading statements on a commercial auto application dated August 25, 2017 as well as on numerous addendums and declarations from September 2017 through March 2018 to the National Interstate Insurance Company of Hawaii. Specifically, Mr. Alhadef, dba, Free Star Rent-A-Car insured forty-six (46) vehicles stating that this company was located in Englewood, NJ, when in fact, this company and these vehicles were garaged in Brooklyn, NY, and were strictly used and operated throughout New York City.
Civil Penalty: $21,050

Kimberly Dittmer, Brooklyn, NY
Order #18-52907-31, June 26, 2019
Respondent, Kimberly Dittmer, knowingly supplied false and misleading statements on an automobile insurance application with Progressive Insurance Company dated February 24, 2018, specifically, by stating that she resided at 11 West 17th Street, Apartment #6, Bayonne, NJ, when in fact she resided in New York.
Civil Penalty: $2,500

Carlos Franco, aka, Carlos Franco-Leon, Lyndhurst, NJ
Order #18-55077-04, June 11, 2019
Respondent, Carlos Franco-Leon, knowingly provided false and misleading statements on an auto property damage claim with Progressive Insurance Company, specifically, by stating that his vehicle was involved in a motor vehicle accident on November 27, 2018, when in fact the accident occurred on November 25, 2018, when he knew there was no insurance coverage in effect.
Civil Penalty: $3,000

Gerard Conzentino, dba, Cozzy’s Painting, LLC, Toms River, NJ
Order #19-51485-34, June 17, 2019
Respondent, Gerard Conzentino, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company on a policy renewal form dated December 22, 2015.  Specifically, Mr. Conzentino insured a 2003 GMC Van as a private passenger automobile, when in fact, it was used for commercial purposes. Also, Mr. Conzentino stated that this vehicle was primarily garaged in Toms River, NJ, when in fact, it was not.  Additionally, Respondent, Gerard Conzentino, dba, Cozzy's Painting, LLC, knowingly provided false information on a workers’ compensation insurance application to Liberty Mutual Insurance Company dated December 14, 2015, as well as, on a policy renewal dated December 2, 2016.  Specifically, Mr. Conzentino stated that his company had zero full-time employees when in fact, it did.
Civil Penalty: $5,000

Peter J. Jungsberger, Toms River, NJ
Order #13-53596-18, June 11, 2019
Respondent, Peter J. Jungsberger, did knowingly make false statements to Selective Insurance Company in support of his claim, by indicating that a theft of equipment occurred on May 13, 2012, when in fact, a theft never occurred.
Civil Penalty: $10,000

Shahid Meer, Pennington, NJ
Order #17-50674-24, June 26, 2019
Respondent, Shahid Meer, did knowingly submit materially false and misleading information in the submission of claims under CPT Codes 94375, 94200, and 94060 to AmeriHealth and Horizon Blue Cross Blue Shield of NJ.
Civil Penalty: $48,000

Ed Savoth, Point Pleasant Beach, NJ
Order #18-50386-16, June 17, 2019
Respondent, Ed Savoth, did knowingly provide materially false information to Liberty Mutual Insurance Company by fraudulently altering an estimate and submitting it in support of his claim, alleging that their insured, Comcast Cable, caused damage to his home by drilling holes into his floors, knowing that the estimate was made prior to the alleged damage. Additionally, Ed Savoth, did knowingly provide materially false information to Philadelphia Indemnity Company by fraudulently altering the same estimate used in the Comcast claim, and submitting it in support of his claim, alleging that their insured, Defenders, Inc. dba Protect Your Home, caused damage to his home by drilling holes into his floors, knowing the estimate was made prior to the alleged damage.
Civil Penalty: $5,000

Rashanda Key, Glassboro, NJ
Order #18-52643-04, June 26, 2019
Respondent, Rashanda Key, did knowingly provide materially false information to Progressive Group of Insurance Companies on April 16, 2018 by indicating that she was involved in an accident at 3 p.m., when the accident occurred at 10:15 a.m., prior to the policy inception. She also provided materially false information in support of claims to Progressive Group of Insurance Companies on April 22, 2018 and Personal Service Insurance Company on April 25, 2018 by indicating she hit a deer, when in fact, she had been involved in an accident on April 16, 2018 during a lapse in coverage with CURE Auto Insurance.
Civil Penalty: $5,000

Sulaimaan Abdullah, Maple Shade, NJ
Order #18-53951-03, June 5, 2019
Respondent, Sulaimaan Abdullah, did knowingly make a material misrepresentation to USAA Group on August 30, 2018 by reporting his vehicle stolen, when in fact, he had been involved in a one-car accident.
Civil Penalty: $3,000

Brittany Arace, Haddon Heights, NJ
Order #19-50170-35, June 11, 2019
Respondent, Brittany Arace, did knowingly omit a material fact to Progressive Group of Insurance Companies on July 30, 2018 by failing to disclose that another driver was the primary operator of a policy vehicle.
Civil Penalty: $1,500

Victor Reyes, Palmyra, NJ
Order #19-50779-04, June 19, 2019
Respondent, Victor Reyes, did knowingly provide materially false information to Progressive Group of Insurance Companies on February 18, 2019 by indicating that the loss occurred at 12 a.m., when in fact, the loss occurred on February 17, 2019 at 5:35 p.m., prior to the policy inception.
Civil Penalty: $4,000

 
May

John Makris, dba, Lawn-Gevity Landscape Design & Construction, LLC, Scotch Plains, NJ
Order #16-55447-30, May 23, 2019
Respondent, John Makris, dba, Lawn-Gevity Landscape Design & Construction, LLC, knowingly supplied false and misleading information on a Certificate of Insurance dated July 21, 2016, specifically, by listing a Farm Family Insurance Workers Compensation policy number, when in fact, that policy number was invalid.
Civil Penalty: $2,500

Sonlux New York Auto Body, Roselle, NJ
Order #16-56221-04, May 6, 2019
Respondent, Sonlux New York Auto Body, on May 15, 2016, did knowingly submit a fictitious parts invoice to Allstate Insurance Company to indicate that the repair procedures listed in the damage estimate were performed, when in fact, the parts were not replaced but were repaired.
Civil Penalty: $5,000

Niorvis Palomo-Calderin, Elizabeth, NJ
Order #17-53331-35, May 23, 2019
Respondent, Niorvis Palomo-Calderin, knowingly provided false and misleading information on his February 18, 2017 auto insurance application when he stated that the insured vehicle would be for personal use, when in fact Mr. Palomo-Calderin used the vehicle for livery purposes.
Civil Penalty: $2,500

Susann Peppes, West Caldwell, NJ
Order #17-53978-41, May 30, 2019
Respondent, Susann Peppes, knowingly concealed her full medical history on a disability income insurance application with Mutual of Omaha Insurance Company, dated February 20, 2017.  Specifically, Ms. Peppes did not disclose her long-term left foot testing, treatment, and examinations, as well as her sacroiliac joint pain treatment and examination.  Additionally, Ms. Peppes stated on an Insured's Statement for Disability Benefit Claim form dated June 20, 2017, that she was first treated by a physician for her left foot issue on April 17, 2017, when in fact, she was initially treated for this condition on February 26, 2016.
Civil Penalty: $5,000

Gertrudis Catano, Newark, NJ
Order #18-51007-04, May 23, 2019
Respondent, Gertrudis Catano, knowingly provided a false and misleading statement on an auto property damage claim with Progressive Insurance Company, dated January 24, 2018, specifically, by indicating that there was no prior damage on her vehicle, when in fact there was.
Civil Penalty: $3,500

William Gahwyler, Jr., Wyckoff, NJ
Order #18-51284-04, May 23, 2019
Respondent, William Gahwyler Jr., knowingly provided false and misleading statement(s) on an automobile property damage claim with Progressive Insurance Company stating that his vehicle was involved in an accident on January 14, 2018, when in fact the accident occurred on or before January 10, 2018, when there was no automobile insurance coverage in effect.
Civil Penalty: $3,000

Jose Perez, Elizabeth, NJ
Order #18-51308-09, May 9, 2019
Respondent, Jose Perez, knowingly conspired with the insured in providing false and misleading information on an auto application to Progressive Insurance Company dated August 30, 2016.  Specifically, Mr. Perez, who was the undisclosed driver, was the sole operator, and garaged the 2016 Ford Mustang away from the insured premises.
Civil Penalty: $1,500

Daphne Trindade, Elizabeth, NJ
Order #18-51308-09, May 9, 2019
Respondent, Daphne Trindade, did knowingly provide a materially false statement to Progressive Insurance Company on an auto application dated August 30, 2016.  Specifically, Ms. Trindade did not disclose that an undisclosed friend was the primary driver and garaged a 2016 Ford Mustang away from the insured premises.  Additionally, Ms. Trindade misrepresented that she was in possession of the 2016 Ford Mustang when she reported a theft claim to Progressive on August 21, 2017, when in fact the vehicle was with the undisclosed driver.
Civil Penalty: $3,500

Roberto Cruz, dba, Cruz Towing & Transport, Clifton, NJ
Order #18-51706-38, May 6, 2019
Respondent, Roberto Cruz, dba, Cruz Towing & Transport, knowingly supplied false and misleading statements on an application for commercial vehicle insurance with Drive New Jersey Insurance Company (Progressive Commercial) dated January 19, 2018.  Specifically, Mr. Cruz failed to list himself as one of the drivers of the insured vehicles.
Civil Penalty: $2,500

Jillian M. Baron, Ridgefield Park, NJ
Order #18-52620-34, May 9, 2019
Respondent, Jillian Baron, knowingly provided materially false information to Combined Insurance Company of America on an application for SickPay Plus Sickness and Accident Coverage dated July 5, 2017.  Specifically, Ms. Baron failed to list a pre-existing medical condition that would have immediately resulted in denial of coverage.
Civil Penalty: $1,500

Jose Mejia, Elizabeth, NJ
Order #18-52975-05, May 23, 2019
Respondent, Jose Mejia, knowingly supplied false and misleading statements to GEICO Insurance Company dated October 15, 2016.  Specifically, Mr. Mejia informed GEICO that a female household resident was a passenger in the vehicle on the date of the loss, when in fact she was not.
Civil Penalty: $2,500

Antoinette Dypko, Garfield, NJ
Order #18-53814-35, May 9, 2019
Respondent, Antoinette Dypko knowingly, conspired with her granddaughter when providing false information on an auto insurance application with Cure Insurance dated January 24, 2014 and on a renewal application questionnaire dated November 1, 2017. Specifically, Ms. Dypko stated that she operated and garaged the 2013 Subaru at the policy address, when in fact she did not.
Civil Penalty: $1,500

Mellissa Freeman, Colorado Springs, CO
Order #18-53814-35, May 9, 2019
Respondent, Mellissa Freeman, knowingly conspired with her grandmother when providing false information on an auto insurance application with Cure Insurance on July 10, 2014 and on a renewal application dated November 1, 2017. Specifically, it was stated that the policy vehicle was garaged and operated in New Jersey, when in fact, Miss Freeman was the primary operator and garaged the 2013 Subaru at her Colorado residence.
Civil Penalty: $1,500

Ambrosio Ramos, Passaic, NJ
Order #18-53941-47, May 6, 2019
Respondent, Ambrosio Ramos, knowingly supplied false and misleading information on an application for pet insurance dated March 27, 2018 with Nationwide Insurance Company.  Specifically, Mr. Ramos stated that his pet, Cocoa, had no history of medical problems, when in fact, this was not true.
Civil Penalty: $1,500

James Wilson, Morris Plains, NJ
Order #19-50020-35, May 6, 2019
Respondent, James Wilson, on October 27, 2017, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company when adding an additional vehicle.  Specifically, Mr. Wilson failed to list additional licensed household members.
Civil Penalty: $1,500

Mark Babenko, Vineland, NJ
Order #17-54680-40, May 16, 2019
Respondent, Mark Babenko, did knowingly provide materially false statements to New Jersey Manufacturers Insurance Company on November 15, 2016 and did knowingly conceal relevant information during policy audits in 2015, 2016 and 2017.
Civil Penalty: $5,000

Nicole Irwin, West Hartford, CT
Order #18-50864-47, May 29, 2019
Respondent, Nicole Irwin, did knowingly provide materially false information to Nationwide Mutual Insurance Company by submitting (3) three false invoices for pet care dated September 30, 2017, October 5, 2017 and October 14, 2017 in order to obtain benefits to which she was not entitled.
Civil Penalty: $2,000

Lisandra Echevarria, Camden, NJ
Order #18-53875-35, May 13, 2019
Respondent, Lisandra Echevarria, did knowingly conspire with another individual to obtain an automobile insurance policy with GEICO Insurance Company on which she failed to disclose herself as the driver.
Civil Penalty: $1,500

Miguel Rodriguez, Camden, NJ
Order #18-53875-35, May 13, 2019
Respondent, Miguel Rodriguez, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 22, 2018, by failing to disclose another individual as a driver on the policy.
Civil Penalty: $1,500

Nicholas Zizzamia, Sicklerville, NJ
Order #18-53994-04, May 29, 2019
Respondent, Nicholas Zizzamia, did knowingly provide materially false information to Progressive Group of Insurance Companies on August 31, 2018, by indicating an accident had occurred at 6 p.m., when in fact, the accident occurred at 4:54 p.m., prior to the inception of the automobile policy.
Civil Penalty: $3,500

Patricia Morris Cantey, Blackwood, NJ
Order #18-55207-35, May 13, 2019
Respondent, Patricia Morris Cantey, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated February 14, 2018 by knowingly failing to disclose that another driver was a resident in her household and an operator of the insured vehicle.
Civil Penalty: $1,500

Delores M. Miller, Little Egg Harbor, NJ
Order #19-50758-34, May 29, 2019
Respondent, Delores M. Miller, did knowingly make a materially false statement to Mutual of Omaha Insurance Company on September 2, 2018 when applying for a supplemental hospital insurance policy by stating that she was not hospitalized prior to the policy application date.
Civil Penalty: $1,500

Jose L. Santiago, Perth Amboy, NJ
Order #17-51092-03, May 22, 2019
Respondent, Jose L. Santiago, knowingly submitted false and misleading information to Travelers Indemnity Company on February 12, 2017; specifically, by reporting that his 2006 Chevrolet Equinox was stolen, when in fact, it was not stolen.
Civil Penalty: $3,000

Swapnil Chevale, Edison, NJ
Order #18-50178-04, May 22, 2019
Respondent, Swapnil Chevale, knowingly provided false and misleading information to GEICO Insurance Company by adding rental coverage to his automobile insurance policy on December 13, 2017, and then submitted an auto property damage claim stating the loss occurred on December 14, 2017, when in fact, the loss occurred prior to him adding the rental coverage.
Civil Penalty: $2,500

Vincent Johnson, Kendall Park, NJ
Order #18-53479-35, May 29, 2019
Respondent, Vincent Johnson, knowingly provided false and misleading information to Progressive Group of Insurance Companies when reinstating his insurance policy. Specifically, Vincent Johnson signed a Statement of No Loss on June 19, 2018 claiming that no driver or vehicle on his insurance policy had been in an accident between June 7, 2018 when his Progressive Insurance policy lapsed and when the Statement of No Loss was signed on June 19, 2018 at 5:33 p.m.  In fact Vincent Johnson was involved in an automobile accident on June 19, 2018 at 5:02 p.m.
Civil Penalty: $2,500

John Randeniya, Marlboro, NJ
Order #19-50156-04, May 21, 2019
Respondent, John Randeniya, did knowingly provide false and misleading information to GEICO Insurance Company by submitting a falsified rental invoice dated December 28, 2018 and during a recorded interview on January 14, 2019, both in support of a claim.
Civil Penalty: $2,000

Eileen Halili, Elizabeth, NJ
Order #19-50592-04, May 30, 2019
Respondent, Eileen Halili, knowingly provided false and misleading information after her policy cancelled for non-payment; specifically by signing a Statement of No Loss with the Progressive Insurance Company on January 22, 2019, and not disclosing her vehicle was involved in a motor vehicle accident on January 21, 2019.
Civil Penalty: $2,500

 
April

Ralph Dinizo, dba, Trusdale Nursey, LLC, Garwood, NJ
Order #16-51385-04, April 16, 2019
Respondent, Ralph Dinizo, dba, Trusdale Nursery LLC, knowingly submitted false and misleading statements to New Jersey Manufacturers Insurance Company in support of an auto property damage claim dated November 20, 2015.  Specifically, Mr. Dinizo submitted a fabricated invoice and reimbursement check for a thirty (30) day truck rental, when in fact he rented this vehicle for three (3) days.
Civil Penalty: $3,500

Jason L. Torres, New York, NY
Order #17-51769-04, April 2, 2019
Respondent, Jason Torres, knowingly made false and misleading statements to CURE Insurance Company on March 27, 2017 in relation to a claim, specifically, by reporting he was in a motor vehicle accident on March 26, 2017 at 4 p.m., when in fact the accident occurred on March 25, 2017 at 1:15 p.m., which is one hour prior to Jason Torres signing the application, and one day prior to the policy inception.
Civil Penalty: $5,000

Perla Ordonez, Newark, NJ
Order #17-54940-03, April 16, 2019
Respondent, Perla Ordonez, knowingly provided false and misleading information to Plymouth Rock Assurance on November 11, 2017 when pursuing an automobile theft claim.  Specifically, Ms. Ordonez reported that her 2015 Kia was stolen, when in fact, she was involved in an at-fault hit and run accident.
Civil Penalty: $3,000

Farhan Memon, Springfield, NJ
Order #18-51042-10, April 16, 2019
Respondent, Farhan Memon, knowingly submitted an altered and fraudulent receipt from The Home Depot to New Jersey Manufactures Insurance Company in support of a homeowners claim for cleaning supplies after a water damage loss.
Civil Penalty: $3,000

Anthony D. Giles, Belleville, NJ
Order #18-51312-04, April 30, 2019
Respondent, Anthony D. Giles, did knowingly provide materially false statements to Progressive Insurance Company, when he reported a First Notice of Loss, as the driver of an insured vehicle for an accident that occurred on February 23, 2018.  Mr. Giles reported that he was cut-off by another vehicle and hit a wall, when in fact an undisclosed driver was driving and struck two parked cars.
Civil Penalty: $3,500

Lafayette Crawford, Jersey City, NJ
Order #18-51353-33, April 16, 2019
Respondent, Lafayette Crawford, did knowingly submit false and misleading information to Liberty Mutual Insurance Company in pursuit of a workers compensation claim.  Specifically, on March 9, 2018, Mr. Crawford claimed he was hurt in the performance of his duties, however, video surveillance camera footage observed Mr. Crawford lowering himself onto a wooden pallet, then shouting that he fell and was injured.
Civil Penalty: $5,000

Myra Piscoya, Harrison, NJ
Order #18-51762-04, April 30, 2019
Respondent, Myra Piscoya, knowingly obtained an automobile insurance policy with Progressive Garden State Insurance Company on February 7, 2018 at 11:48 a.m. online under a household member’s name immediately after receiving a call that the household member was involved in a motor vehicle accident at 11:27 a.m.
Civil Penalty: $2,000

Syed Ali, Mahwah, NJ
Order #18-54107-35, April 16, 2019
Respondent, Syed Ali, knowingly provided false and misleading information on a Statement of No Loss to Progressive Garden State Insurance Company, specifically, by indicating that he was not involved in any accidents between September 4, 2018 at 12:00 a.m. and September 25, 2018 at 3:59 p.m., when in fact, he was involved in a motor vehicle accident on September 25, 2018 at 2:37 p.m.
Civil Penalty: $2,500

Mariah M. Carriel, Lyndhurst, NJ
Order #18-54333-35, April 30, 2019
Respondent, Mariah M. Carriel, knowingly provided a materially false statement to CURE Auto Insurance Company on an automobile insurance policy application dated February 13, 2016, also on subsequent renewals dated February 13, 2017 and on February 13, 2018. Specifically, Ms. Carriel knowingly failed to disclose all household members and resident drivers.
Civil Penalty: $1,500

Charles A. Fanelli, Belleville, NJ
Order #18-55201-35, April 16, 2019
Respondent, Charles A. Fanelli, knowingly provided false and misleading statements on a Policy Renewal Questionnaire dated September 1, 2016 to New Jersey Manufacturers Insurance Company.  Specifically, Mr. Fanelli did not disclose his son as a resident driver.
Civil Penalty: $1,500

Andrea Clark, Willingboro, NJ
Order #15-53127-04, April 16, 2019
Respondent, Andrea Clark, did knowingly provide materially false information to USAA Casualty Insurance Company on March 4, 2015 by indicating a loss had occurred on March 1, 2015, when in fact, the loss occurred on January 16, 2015, prior to her policy being reinstated.
Civil Penalty: $2,500

Alan J. Levitsky, Pennsville, NJ
Order #17-51975-40, April 5, 2019
Respondent, Alan J. Levitsky, t/a N & H Levitsky, Inc., and d/b/a AJ's Tavern, did knowingly provide materially false information to New Jersey Casualty Insurance Company during an inspection on or about December 15, 2015; a three (3) month audit on February 26, 2016; and during a cancellation audit on or about April 12, 2016, by failing to disclose the appropriate number of employees.
Civil Penalty: $5,000

Damian Sterling, Metuchen, NJ
Order #18-54627-35, April 8, 2019
Respondent, Damian Sterling, knowingly provided materially false and misleading information to Progressive Insurance Company during a Statement of No Loss stating that no person or vehicle listed on the policy was involved in an accident or loss between the dates the policy was canceled for non-payment on September 4, 2018 and the Statement of No Loss on September 28, 2018, when in fact, the respondent was involved in an automobile accident on September 27, 2018.
Civil Penalty: $2,000

Dr. Faisal Mahmood, MD, Franklin Lakes, NJ
Order #18-55115-24, April 16, 2019
Respondent, Dr. Faisal Mahmood, MD, did knowingly compose a false medical record of an Operative Report for a January 5, 2018 surgery that in fact, did not take place.  Dr. Mahmood then submitted claims to New Jersey CURE Insurance Company, for both surgeon and assistant surgeon fees and included the falsified medical report, in order to substantiate the claims.
Civil Penalty: $10,000

 
March

Donald Blake, Maywood, NJ
Order #14-51568-22, March 7, 2019
Respondent, Donald Blake, knowingly provided false and misleading information to Household Life Insurance Company in support of a death claim for an individual falsely identified on a term life insurance policy for a November 14, 2013 loss.
Civil Penalty: $5,000

Samuel Pellot, Guttenberg, NJ
Order #17-54800-04, March 15, 2019
Respondent, Samuel Pellot, did knowingly provide materially false information to Farmers Insurance on November 3, 2017, by submitting a document purported to be an invoice from TJ Auto Repair in the amount of $2,650, that he knew to be a forgery.
Civil Penalty: $1,500

James Menoutis, Somerset, NJ
Order #17-54908-47, March 20, 2019
Respondent, James Menoutis, knowingly provided false and misleading information to Nationwide Insurance Company on an application for pet insurance dated June 15, 2017.  Additionally, James Menoutis submitted an altered patient history file that was requested by Nationwide Insurance Company during the claim process.
Civil Penalty: $10,000

Jose Estemera, Clifton, NJ
Order #18-52156-35, March 12, 2019
Respondent, Jose Estemera, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company on his renewal questionnaire application for automobile insurance dated December 26, 2016 by failing to disclose a licensed household resident.
Civil Penalty: $1,500

John Graber, Sicklerville, NJ
Order #15-54071-07, March 11, 2019
Respondent, John Graber, did knowingly provide materially false information to Government Employees Insurance Company (GEICO) in an examination under oath on September 15, 2015, by stating that he had not worked as a wrestler after his accident on May 31, 2015, when, in fact, he had.
Civil Penalty: $3,500

Christopher S. Egan, Newfield, NJ
Order #17-54812-14, March 6, 2019
Respondent, Christopher S. Egan, did knowingly present materially false statements to Cumberland Mutual Fire Insurance Company, on or about June 15, 2016, by submitting seven (7) fraudulent invoices from J & D Furniture, Vineland, NJ, marked "PAID", knowing the furniture was never purchased.
Civil Penalty: $5,000

Alexis Glass, Williamstown, NJ
Order #17-54888-04, March 6, 2019
Respondent, Alexis Glass, did knowingly make material false statements to Drive New Jersey Insurance Company in support of her claim by indicating the date of loss to be December 3, 2017, when in fact, the actual date of loss was November 23, 2017, which was prior to the policy inception.
Civil Penalty: $3,000

Odette Massenat, Trenton, NJ
Order #18-52873-35, March 6, 2019
Respondent, Odette Massenat, did knowingly supply material false information on an application for automobile insurance to Progressive Garden State Insurance Company on August 10, 2017, and April 4, 2018, by acknowledging she was the owner and resident driver of the insured vehicle, when in fact, the vehicle was titled and registered to another individual.
Civil Penalty: $1,500

Vertulie Massenat, Trenton, NJ
Order #18-52873-35, March 6, 2019
Respondent, Vertulie Massenat, knowingly provided materially false information to Progressive Garden State Insurance Company on the original application dated August 10, 2017, and the declaration page dated April 4, 2018, by failing to disclose she was the primary driver of the insured vehicle listed on that policy.
Civil Penalty: $1,500

David Venafra, Bellmawr, NJ
Order #18-53099-04, March 11, 2019
Respondent, David Venafra, did knowingly provide materially false information to Progressive Garden State Insurance Company when electronically signing a statement of no loss on July 1, 2018 at 12:18 a.m., by indicating that no damage or theft occurred to any vehicle listed on his policy during the lapse period, knowing that damage had occurred to his vehicle when he was involved in an accident on July 1, 2018 at 12:02 a.m.
Civil Penalty: $1,500

Janiya Little, Woodbury, NJ
Order #18-53848-04, March 6, 2019
Respondent, Janiya Little, did knowingly make a material misrepresentation to Progressive Group of Insurance Companies on September 10, 2018, by submitting an altered police report in an attempt to secure insurance coverage for an accident that occurred prior to the effective date and time of that policy.
Civil Penalty: $3,000

Walter Lopez, Bogota, NJ
Order #17-50808-40, March 6, 2019
Respondent, Walter Lopez, representing Sima Peintin, Inc., knowingly and willfully, provided false and misleading information in order to obtain a commercial insurance policy and a workers compensation policy with Farmers Mutual Fire Insurance Company of Salem County on September 22, 2015.  Specifically, providing a false company address, stating the type of work to be performed, the location of work to be performed and the number of employees, enabling this company to obtain insurance policies that they were not entitled to.
Civil Penalty: $3,500

Miriam Madrid, dba, Sima Peintin, Inc., Bogota, NJ
Order #17-50808-40, March 6, 2019
Respondent, Miriam Madrid, owner of Sima Peintin, Inc., knowingly and willfully conspired with and allowed a representative of this company to give false and misleading information to obtain a commercial insurance policy and a workers compensation policy with Farmers Mutual Fire Insurance Company of Salem on September 22, 2015.  Specifically, they provided a false company address, falsely stated the type of work to be performed, and the location of work to be performed along with the number of employees, enabling this company to obtain insurance policies that they were not entitled to.
Civil Penalty: $3,000

Donald B. Ormsby, Edgewater, NJ
Order #17-52639-35, March 15, 2019
Respondent, Donald B. Ormsby, knowingly provided false and misleading statements on New Jersey Manufacturers Insurance Company policy renewal questionnaires dated July 24, 2015, and July 29, 2016, specifically, by failing to disclose the correct garaging location of a policy vehicle, as well as the correct residence of a licensed permitted driver.
Civil Penalty: $2,000

Theodore Gerideau, Newark, NJ
Order #17-54217-04, March 27, 2019
Respondent, Theodore Gerideau, knowingly provided false and misleading information to Progressive Insurance Company on a statement of no loss.  Specifically, Mr. Gerideau stated that the policy vehicle was not involved in any accidents during the policy lapse period from September 28, 2017 to October 3, 2017 at 11:42 a.m., when in fact Mr. Gerideau was driving the policy vehicle when it was involved in an accident earlier on October 3, 2017.
Civil Penalty: $3,500

Miguel Cosme, Newark, NJ
Order #17-54868-04, March 6, 2019
Respondent, Miguel Cosme, knowingly provided false and misleading information to Progressive Group of Insurance Companies on a statement of no loss dated October 23, 2017.  Specifically, Mr. Cosme indicated that there was no motor vehicle accident during the policy lapse period, when in fact his vehicle was involved in an accident on October 22, 2017.
Civil Penalty: $3,500

Julio Delacruz, Bogota, NJ
Order #18-51431-03, March 27, 2019
Respondent, Julio Delacruz, knowingly made false and misleading statements to Travelers Insurance Company on January 15, 2018, in relation to a claim, specifically, by reporting that his vehicle had been stolen, when in fact he knew it had not been stolen, and he was in an accident in said vehicle then fled the scene.
Civil Penalty: $5,000

Ismael Guzman, Elizabeth, NJ
Order #18-51929-35, March 27, 2019
Respondent, Ismael Guzman, knowingly supplied false and misleading statements on a policy renewal with Mid-Century Insurance (Farmers Insurance Exchange) dated February 27, 2018, specifically, by failing to indicate that his policy vehicle was being used in a commercial/livery capacity.
Civil Penalty: $2,500

Yanilsa Cabrera, Jersey City, NJ
Order #18-52631-35, March 6, 2019
Respondent, Yanilsa Cabrera, knowingly conspired to fraudulently obtain automobile insurance from Progressive Insurance Company dated February 23, 2018.  Specifically, Ms. Cabrera had her friend insure her personal vehicle to obtain a lower premium.
Civil Penalty: $1,500

Debora Gonzalez, Union City, NJ
Order #18-52631-35, March 6, 2019
Respondent, Debora Gonzalez, knowingly, conspired with a friend to fraudulently obtain automobile insurance from Progressive Insurance Company dated February 23, 2018.  Specifically, Ms. Gonzalez stated that she owned, insured, operated and garaged the policy vehicle, when in fact she did not.
Civil Penalty: $1,500

Ashley Velarde, Newark, NJ
Order #18-52659-35, March 6, 2019
Respondent, Ashley Velarde, knowingly provided false and misleading information to CURE Insurance Company on a personal auto insurance application dated November 30, 2017.  Specifically, Ms. Velarde stated she was the owner of the insured vehicle, when in fact the vehicle was actually owned and operated by another undisclosed household member.
Civil Penalty: $1,500

Ingrid Argueta, Elizabeth, NJ
Order #18-52975-05, March 12, 2019
Respondent, Ingrid Argueta, knowingly supplied false and misleading statements to GEICO Insurance Company on a Personal Injury Protection (PIP) and Bodily Injury (BI) claim involving a October 15, 2016 motor vehicle accident.  Specifically, Ms. Argueta falsely stated that she was an injured occupant involved in the accident, when in fact she was not in the vehicle at the time of the loss.
Civil Penalty: $2,500

Manuel J. Castro, Woodside, NY
Order #18-52998-31, March 6, 2019
Respondent, Manuel J. Castro, knowingly provided false and misleading information to GEICO Insurance Company as well as on his Plymouth Rock Assurance automobile insurance application policy dated May 1, 2018.  Specifically, Mr. Castro stated his residence was in Jersey City, NJ, when he actually resided in Woodside, NY, where he garaged his vehicle. 
Civil Penalty: $2,500

Michael D. Feldman, Chatham, NJ
Order #18-53611-04, March 12, 2019
Respondent, Michael Feldman, knowingly provided false and misleading information to Allstate Insurance Company in pursuit of an auto property damage claim.  Specifically, Michael Feldman stated that damage to his 2016 Volkswagen Jetta was entirely from an accident on July 6, 2018, when in fact there was damage from prior accidents.
Civil Penalty: $3,000

German Vera-Centurion, Basking Ridge, NJ
Order #18-54001-35, March 27, 2019
Respondent, German Vera-Centurion, knowingly provided materially false and misleading information to Progressive Insurance Company on an auto application dated March 10, 2018.  Specifically, Mr. Vera-Centurion did not disclose additional household members.
Civil Penalty: $1,500

Sibel Cengiz, Kearny, NJ
Order #18-54688-04, March 12, 2019
Respondent, Sibel Cengiz, knowingly provided false and misleading statements on an auto property damage claim with New Jersey Manufacturers Insurance Company, dated August 31, 2018, specifically, by stating that a policy vehicle was hit while parked and unoccupied, when in fact, it was not.
Civil Penalty: $3,000

 
February

Alisa Mezey, Bloomingburg, NY
Order #15-51578-04, February 4, 2019
Respondent, Alisa Mezey, knowingly presented written and oral statements included in the claims submitted to Travelers Insurance Company for date of loss of December 16, 2014, Bristol West/Farmers Insurance Company for date of loss of March 6, 2015, and Plymouth Rock Insurance Company for date of loss of September 16, 2015, claiming the same damage to her vehicle in all three claims.
Civil Penalty: $10,000

Janis Reddick, Newark, NJ
Order #18-52591-35, February 8, 2019
Respondent, Janis Reddick, knowingly provided false and misleading information to Progressive Insurance Company on April 2, 2018, by failing to disclose a licensed household member on an application for automobile insurance.
Civil Penalty: $1,500

Leslie James, Somerset, NJ
Order #18-53160-47, February 21, 2019
Respondent, Leslie James, knowingly provided materially false and misleading information to Nationwide Mutual Insurance Company when she submitted an altered Banfield Pet Hospital invoice in support of her pet insurance claim for benefits for a treatment date of February 1, 2018.
Civil Penalty: $2,500

Kevon T. Levant, Union, NJ
Order #17-53744-03, February 5, 2019
Respondent, Kevon T. Levant, knowingly provided false and misleading information to Progressive Insurance Company when pursuing an auto theft claim.  Specifically, Mr. Levant reported his vehicle carjacked on September 4, 2017, when in fact he was involved in a motor vehicle accident on September 3, 2017.
Civil Penalty: $2,500

Tehquerra Warren, Brooklyn, NY
Order #18-51161-31, February 5, 2019
Respondent, Tehquerra Warren, knowingly made false statements on her Progressive automobile insurance application dated January 19, 2018, by not disclosing her true residence and garaging location of the insured vehicle.  Specifically, Ms. Warren stated that she resided in Jersey City, NJ, when in fact she resided in Brooklyn, NY.
Civil Penalty: $2,500

Arsen Lusher, Millstone Township, NJ
Order #15-55105-03, February 19, 2019
Respondent, Arsen Lusher, conspired with another individual to knowingly provide materially false information to Progressive Garden State Insurance Company, in support of an automobile theft claim on multiple occasions by stating that they had both sets of keys to their 2013 BMW in their possession the entire time the BMW was parked in Staten Island, NY, from October 1, 2015 until October 5, 2015, knowing that one of the keys was not in their possession, as it was used to start the vehicle on October 3, 2015 at 11:37 p.m.
Civil Penalty: $5,000

Karina Pismichenko, Millstone Township, NJ
Order #15-55105-03, February 19, 2019
Respondent, Karina Pismichenko, conspired with another individual to knowingly provide materially false information to Progressive Garden State Insurance Company, in support of an automobile theft claim on multiple occasions by stating that they had both sets of keys to their 2013 BMW in their possession the entire time the BMW was parked in Staten Island, NY, from October 1, 2015 until October 5, 2015, knowing that one of the keys was not in their possession, as it was used to start the vehicle on October 3, 2015 at 11:37 p.m.
Civil Penalty: $5,000

Darla C. Washington, Atlantic City, NJ
Order #16-51455-04, February 19, 2019
Respondent, Darla C. Washington, knowingly made materially false statements to Progressive Garden State Insurance Company in support of her claim, by indicating the date of loss to be February 11, 2016, when in fact, the actual date of loss was February 8, 2016, which was prior to the coverage being added.
Civil Penalty: $3,500

Ankiea Bond, Camden, NJ
Order #18-51449-04, February 5, 2019
Respondent, Ankiea Bond, did knowingly make a materially false statement to Esurance Insurance Company on March 28, 2018, by reporting that her vehicle was damaged on March 26, 2018, when in fact, the damage was present on the vehicle prior to her obtaining coverage.
Civil Penalty: $2,500

Marianne DiGiaro, Asbury Park, NJ
Order #18-53834-47, February 19, 2019
Respondent, Marianne DiGiaro, did knowingly submit two false and misleading claim forms to Nationwide Mutual Insurance Company for dates of service of June 28, 2018 and July 31, 2018, containing information that listed she paid more for the services than she actually did.
Civil Penalty: $1,500

Jibrill Johnson, Maple Shade, NJ
Order #18-54190-04, February 5, 2019
Respondent, Jibrill Johnson, did knowingly provide materially false information to Progressive Group of Insurance Companies on October 17, 2018 by indicating that the loss occurred at 6:28 p.m., when in fact, the loss occurred at 5:30 p.m. prior to the policy's inception.
Civil Penalty: $2,500

Frank Reyes-Moreta, Ventnor City, NJ
Order #18-54422-04, February 19, 2019
Respondent, Frank Reyes-Moreta, knowingly made materially false statements to GEICO Indemnity Company in support of his claim, by indicating the date of loss to be October 28, 2018, when in fact, the actual date of loss was October 27, 2018, which was prior to the coverage being added.
Civil Penalty: $5,000

 
January

Rolando R. Larancuente, Jr., Paterson, NJ
Order #14-52710-03, January 8, 2019
Respondent, Rolando R. Larancuente, Jr., did provide a materially false statement to Amica Insurance, specifically, that a 2006 Honda Civic was stolen and sustained damage when in fact, the parts were taken off the vehicle.
Civil Penalty: $1,500

Lana M. D’Amico, Sicklerville, NJ
Order #14-52714-41, January 17, 2019
Respondent, Lana M. D'Amico, did provide materially false work notes dated July 11, 2014 and July 24, 2014 to Liberty Mutual, purportedly from her treating physician's office, excusing her from work. In fact, she was already discharged from her doctor's care on March 28, 2014.
Civil Penalty: $1,500

Jorge Pozo-Chamorro, Newark, NJ
Order #16-52564-48, January 17, 2019
Respondent, Jorge Pozo-Chamorro, did knowingly provide materially false information on an initial application and declarations with GEICO from April 7, 2007 to March 28, 2017, specifically, by falsely claiming he resided in Washington State, when in fact, he had resided in New Jersey and principally garaged his vehicle in New Jersey.
Civil Penalty: $5,000

Isabel M. Bulhao, Long Branch, NJ
Order #17-50159-38, January 7, 2019
Respondent, Isabel M. Bulhao, knowingly provided false and misleading information to Progressive Insurance Company on July 31, 2014, when completing an application for commercial automobile insurance, and again on July 28, 2015, when a second vehicle was added to the policy.  Specifically, Isabel M. Bulhao failed to disclose her husband as an employee and operator of the tow trucks on the policy.
Civil Penalty: $1,500

Pedro Bulhao, Long Branch, NJ
Order #17-50159-38, January 7, 2019
Respondent, Pedro Bulhao, knowingly provided false and misleading information to Progressive Insurance Company during the claim process, on March 9, 2016, in a recorded interview where he stated he wasn't the driver of a policy vehicle.
Civil Penalty: $1,500

Patricia Montgomery, Springfield, NJ
Order #17-52640-10, January 17, 2019
Respondent, Patricia Montgomery, knowingly provided false and misleading information to United Services Automobile Association (USAA), when she filed a homeowner's property damage claim in reference to water damage.  Specifically, on May 25, 2017 and May 31, 2017, Patricia Montgomery submitted two falsified receipts for repairs to her mink jacket (May 31, 2017) and a receipt for a computer diagnostic (May 25, 2017) in support of the claim.
Civil Penalty: $5,000

Asha Godfrey, Newark, NJ
Order #18-51935-35, January 23, 2019
Respondent, Asha Godfrey, knowingly provided false and misleading information on an auto endorsement dated December 4, 2017.  Ms. Godfrey added a 2009 Acura TL that was not garaged at the policy address.  Additionally, Ms. Godfrey reported that she was the driver in a motor vehicle accident that occurred on January 3, 2018, when in fact she was not.
Civil Penalty: $2,000

Coleen Kelly, Hawthorne, NJ
Order #18-53315-10, January 10, 2019
Respondent, Coleen Kelly, knowingly provided false and misleading information when reporting a homeowners loss to Universal North America Insurance Company dated January 9, 2018.  Specifically, Ms. Kelly knowingly submitted original plumbing repair invoices for reimbursement, instead of the renegotiated invoices, the difference totaling $1,315.
Civil Penalty: $3,000

Samantha Martina, Browns Mills, NJ
Order #17-53900-03, January 30, 2019
Respondent, Samantha Martina, did knowingly make a material misrepresentation to USAA Insurance Company on July 16, 2017, when she reported her vehicle stolen, when, in fact, it was not and she was involved in an at-fault accident.
Civil Penalty: $5,000

Jenna R. Boccia, Absecon, NJ
Order #17-54789-04, January 8, 2019
Respondent, Jenna R. Boccia, did knowingly provide false and misleading information to CURE Auto Insurance Company by submitting a claim for rental reimbursement and misrepresenting the date of the loss to be August 8, 2017, after she added rental reimbursement to her automobile policy knowing she did not have rental reimbursement coverage at the time of the loss on August 7, 2017.
Civil Penalty: $1,500

Luis Lincango-Penaherr, Bound Brook, NJ
Order #18-51883-36, January 30, 2019
Respondent, Luis Lincango-Penaherr, did knowing provide materially false information on an application for a Supplemental Sickness Insurance Policy with Combined Insurance Company of America dated May 2, 2017, by answering "No" to a qualification question, knowing that he had been treated on April 28, 2017 for a listed condition.
Civil Penalty: $3,500

Curtis Johnson, Trenton, NJ
Order #18-52875-04, January 8, 2019
Respondent, Curtis Johnson, did knowingly make a materially false statement to Progressive Auto Insurance Company when he applied for automobile insurance on May 1, 2018, by providing the name of another individual.  Respondent, Curtis Johnson, also made a material misrepresentation when he submitted damage photos from March 25, 2018, during a claim for the loss that occurred in June 2018.
Civil Penalty: $5,000

 
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