Savannah R. Simmons, Millville, NJ
Order # 19-52072-35, December 1, 2020
Respondent, Savannah R. Simmons, did knowingly provide materially false information to Progressive Garden State Insurance Company on May 8, 2019 at 4:54 p.m. by indicating that no one operating a vehicle on her policy had been involved in an accident during the lapse period, when in fact, the Respondent's vehicle was involved in an accident on May 8, 2019 at 4:16 p.m. Additionally, the misrepresentation resulted in a third party claim paid to the other operator by Progressive Garden State Insurance Company.
Civil Penalty: $2,500

Gabriel Vitale, Toms River, NJ
Order #20-50961-34, December 1, 2020
Respondent, Gabriel Vitale, did knowingly make a material misrepresentation to Northwestern Mutual Life Insurance Company on an application for disability income insurance signed and dated on June 25, 2019, specifically by not disclosing his true medical history.
Civil Penalty: $1,500

Janus T. Eriksen, Shamong, NJ
Order #20-52935-35, December 1, 2020
Respondent, Janus T. Eriksen, did knowingly make a materially false statement to Progressive Direct Auto Insurance Company on July 10, 2019, by failing to disclose that another individual was a resident driver and operator of the policy vehicle.
Civil Penalty: $1,500

Mary A. Carnahan, Ewing, NJ
Order #20-51119-35, December 1, 2020
Respondent, Mary A. Carnahan, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on November 5, 2019 at 8:20 p.m. by stating that no loss had occurred during the lapse period of her policy when, in fact, she was involved in a motor vehicle accident earlier that day, prior to the reinstatement of her policy. This misrepresentation resulted in a third-party claim being filed.
Civil Penalty: $2,500

Colleen M. Wasyk, Burlington, NJ
Order #20-51236-35, December 15, 2020
Respondent, Colleen M. Wasyk, did knowingly provide a materially false statement to Progressive Garden State Insurance Company on January 8, 2020, by providing a false Statement of No Loss indicating she had no losses during the lapse period, when in fact, she was involved in an automobile loss during the lapse.
Civil Penalty: $1,500

Tramaine K. Moody, Somerdale, NJ
Order #20-51749-35, December 29, 2020
Respondent, Tramaine K. Moody, did knowingly provide materially false information to Progressive Garden State Insurance Company on April 22, 2020 at 7:40 p.m. by indicating that her vehicle was involved in a crash on April 19, 2020, when in fact, the damage to the policy vehicle occurred prior to the policy inception date of April 16, 2020.
Civil Penalty: $2,500

Christine Brancato, Brick, NJ
Order #20-52162-22, December 29, 2020
Respondent, Christine Brancato, did knowingly provide materially false information to Prudential Insurance Company relative to a life insurance policy by impersonating the policy holder on policy calls dated August 2, 2016 and October 25, 2016 to obtain two policy loans totaling $9,500 to which she was not entitled.
Civil Penalty: $5,000

Christopher Deligne, Vineland, NJ
Order #19-51111-35, December 29, 2020
Respondent, Christopher Deligne, did knowingly provide materially false information to Plymouth Rock Assurance Company on his personal automobile application dated June 6, 2018 by failing to disclose that the policy vehicle would be used for commercial purposes.
Civil Penalty: $1,500

Driss Baraket, Brooklyn, NY
Order #20-51053-35, December 1, 2020
Respondent, Driss Baraket, did knowingly provide materially false information to the Progressive Group of Insurance Companies on February 15, 2020 and February 28, 2020, by indicating that the policy incepted prior to the loss when, in fact, it incepted after the loss.
Civil Penalty: $1,000

Francisco Ayala, Elizabeth, NJ
Order #18-50082-38, December 3, 2020
Respondent, Francisco Ayala, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated October 16, 2017 by failing to disclose the true garaging location of his insured commercial vehicle registered under the name of Francisco Ayala.
Civil Penalty: $2,500

Paul A. Wiese, Jr., Scotch Plains, NJ
Order #19-51969-35, December 8, 2020
Respondent, Paul A. Wiese, Jr., knowingly provided materially false and misleading information to USAA Insurance Company on January 3, 2019 when he added a vehicle to his automobile insurance policy purporting that the vehicle was owned by him when, in fact, said vehicle was not owned by him or registered to him.
Civil Penalty: $1,500

Gumecindo Carreon-Flores, Red Bank, NJ
Order #19-51535-24, December 8, 2020
Respondent, Gumecindo Carreon-Flores, knowingly provided a fictitious social security number to his employer on July 23, 2013, which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of New Jersey, in which he was not entitled.  Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $2,000

Sowunmi Abimbola, Manville, NJ
Order #19-50048-35, December 8, 2020
Respondent, Sowunmi Abimbola, knowingly provided false and misleading information to Esurance Insurance Company on December 29, 2018, when he filed a claim for damage that he reported occurred on December 29, 2018 at 6:00 a.m. when, in fact, the loss occurred at 3:01 a.m. prior to him adding comprehensive coverage to his policy.
Civil Penalty: $2,500

Christian S. Veliz, Elizabeth, NJ
Order #20-50022-04, December 15, 2020
Respondent, Christian S. Veliz, did knowingly provide materially false and misleading information to Progressive Insurance Company during a Statement of No Loss when he stated that no person or vehicle listed on his automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on November 28, 2019 at 12:01 a.m. and the Statement of No Loss date of November 29, 2019 at 1:38 p.m. when, in fact, the Respondent was involved in an automobile accident on November 29, 2019 at 12:31 p.m.
Civil Penalty: $2,500

Muhammad Ellahi, Metuchen, NJ
Order #19-53201-35, December 15, 2020
Respondent, Muhammad Ellahi, knowingly made false and misleading statements on August 7, 2019 and August 9, 2019 to Progressive Insurance Company to gain coverage for a prior loss.  Specifically, Muhammad Ellahi stated that his 2011 Hyundai Sonata had no prior water damage and he did not file a prior claim for water damage to his 2011 Hyundai Sonata.
Civil Penalty: $1,500

Miguel A. Nunez, Newark, NJ
Order #17-51991-03, December 15, 2020
Respondent, Miguel A. Nunez, did knowingly provide a false and misleading statement to California Casualty Fire Insurance Company dated August 31, 2016, specifically by stating that the 2010 Lexus was repaired from the April 1, 2016 loss when in fact, the car was not repaired; and Respondent, Miguel A. Nunez did knowingly provide a false and misleading statement to California Casualty Fire Insurance Company dated January 17, 2017, specifically by stating that the 2010 Lexus was repaired from the April 1, 2016 loss when in fact the car was not repaired.
Civil Penalty: $3,000

Eric Efimenco, Elizabeth, NJ
Order #19-54435-38, December 15, 2020
Respondent, Eric Efimenco, knowingly made a material misrepresentation on his application for commercial automobile insurance with Progressive Insurance Company on May 29, 2019 by failing to disclose a regular operator of his insured vehicle and that said vehicle would regularly be garaged in the State of New York.
Civil Penalty: $2,500

Michael M. Polanco, Manahawkin, NJ
Order #20-50392-04, December 15, 2020
Respondent, Michael M. Polanco, did knowingly provide materially false information on a Statement of No Loss to Progressive Insurance Company on October 24, 2019, by indicating the insured vehicle had not been in a loss during the lapse period.  He then knowingly made a material misrepresentation when he filed a claim on December 18, 2019, with a false date of loss of November 29, 2019, which was after the policy was reinstated.
Civil Penalty: $2,500

Daniel T. Boyle, Mountainside, NJ
Order #19-54251-04, December 29, 2020
Respondent, Daniel T. Boyle, knowingly provided materially false information during a Statement of No Loss to Progressive Insurance Company on October 16, 2019 at 2:40 p.m., by indicating his vehicle had not been involved in any accidents during the lapse period, when in fact, he was involved in an accident on October 16, 2019 at 2:33 p.m., prior to the policy reinstatement.
Civil Penalty: $2,500

Moises Gutierrez, Highland Lakes, NJ
Order #20-52582-35, December 3, 2020
Respondent, Moises Gutierrez, knowingly made false and misleading statements to the Progressive Insurance Company on a Declarations Page regarding his auto insurance policy, dated September 18, 2019. Specifically, Mr. Gutierrez removed an individual from his policy, when in fact this individual was a licensed household resident.
Civil Penalty: $1,500

Nicholas J. Uva, Hoboken, NJ
Order #20-50960-34, December 3, 2020
Respondent, Nicholas J. Uva, knowingly provided false and misleading information to Northwestern Mutual Life Insurance Company on a disability insurance application signed and dated on July 18, 2019. Specifically, Nicholas J. Uva failed to disclose his complete medical history in the past 10 years on a medical history questionnaire.
Civil Penalty: $2,500

Jose Risotto-Martinez, Dover, NJ
Order #18-54852-24, December 3, 2020
Respondent, Jose Risotto-Martinez, knowingly provided a fictitious social security number, on new enrollment paperwork dated February 4, 2011, to his employer which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of NJ to which he was not entitled.
Civil Penalty: $3,500

Mohammad S. Hussain, Paterson, NJ
Order #20-50176-35, December 3, 2020
Respondent, Mohammad S. Hussain, knowingly failed to provide information regarding household members to New Jersey Manufacturers Insurance Company.  Specifically, Mr. Hussain failed to disclose all household residents and licensed drivers with access to insured vehicles on automobile insurance policies and endorsements between February 5, 2015 and February 5, 2019.
Civil Penalty: $1,500

Leidy Rosario-Santana, Leonia, NJ
Order #19-54595-04, December 3, 2020
Respondent, Leidy Rosario-Santana, knowingly provided false and misleading statements to Progressive Group of Insurance Companies during an auto property damage claim investigation. Specifically, Ms. Rosario-Santana stated that she was involved in a motor vehicle accident on November 2, 2019 at 5:00 p.m., and then later stated that the accident occurred on November 9, 2019 at 5:00 p.m., when in fact, the accident occurred on November 2, 2019 at 1:54 p.m., prior to the inception of her policy.
Civil Penalty: $3,000

Teresa Merced, Garfield, NJ
Order #20-51006-35, December 8, 2020
Respondent, Teresa Merced, knowingly concealed relevant information on an auto policy application for the Progressive Insurance Company dated October 4, 2019, specifically, by failing to list a household resident and driver.
Civil Penalty: $1,500

Leonides Olanda, Bergenfield, NJ
Order #19-52197-04, December 15, 2020
Respondent, Leonides Olanda, did knowingly present false and misleading information to the Farmers Insurance Company, on a Statement of No Loss, in an attempt to reinstate his auto policy.  Specifically, Mr. Olanda certified that there were no accidents involving his insured vehicle during the policy lapse period of April 13, 2018 to April 17, 2018 when in fact, he was involved in a crash on April 14, 2018.
Civil Penalty: $5,000

Zimin Wang, Jersey City, NJ
Order #20-50519-04, December 15, 2020
Respondent, Zimin Wang, knowingly provided materially false information to the Metromile Insurance Company on December 30, 2019 relating to an automobile property damage claim. Specifically, Ms. Wang indicated that she had an accident on December 30, 2019, after adding collision and comprehensive coverage to her policy on December 27, 2019, when in fact, the accident occurred prior to the additional coverage.
Civil Penalty: $3,000

Robert Shetsen, Hillsdale, NJ
Order #18-53707-05, December 15, 2020
Respondent, Robert Shetsen, knowingly provided false and misleading statements in pursuit of a Personal Injury Protection (PIP) Claim with the MetLife Insurance Company, dated February 14, 2018.  Specifically, Mr. Shetsen stated that he was in his vehicle and injured when it was struck by another vehicle on January 11, 2018, when in fact, he was not in the vehicle.
Civil Penalty: $4,000

Sung Hong, Demarest, NJ
Order #19-51685-35, December 15, 2020
Respondent, Sung Hong, knowingly provided false and misleading information to the Farmers Insurance Company on an application for automobile insurance dated March 24, 2016. Specifically, Mr. Hong stated that all his vehicles were for personal use only, when in fact one of his vehicles was used for commercial purposes. Additionally, Mr. Hong failed to list all regular household operators.
Civil Penalty: $3,500

Istvan Tamas, Clifton, NJ
Order #20-50896-35, December 3, 2020
Respondent, Istvan Tamas, knowingly provided a materially false statement to GEICO Insurance Company on an automobile insurance application dated September 18, 2019.  Specifically, Mr. Tamas knowingly failed to disclose non-resident drivers with regular access to two policy vehicles and the garaging location of the vehicles.
Civil Penalty: $1,500

Dave E. Lutchmidat, West New York, NJ
Order #19-51165-34, November 4, 2020
Respondent, Dave E. Lutchmidat, knowingly supplied false and misleading statements on a travel reimbursement claim with AIG Insurance Company, dated October 29, 2018.  Specifically, Mr. Lutchmidat stated that he was being actively deployed with the military, when in fact this was not true.  Additionally, Mr. Lutchmidat submitted altered/forged deployment orders in support of the travel reimbursement claim.
Civil Penalty: $5,000

Beatrice Bosire, Brodheadsville, PA
Order #20-51824-35, November 4, 2020
Respondent, Beatrice Bosire, knowingly provided false and misleading information on an auto application presented to the Progressive Insurance Company dated February 20, 2020. Specifically, Ms. Bosire listed herself as the sole driver and owner of a policy vehicle, when in fact, she failed to list another household resident who was the primary operator and owner of the vehicle.
Civil Penalty: $1,500

Affreka Titus, Hamburg, NJ
Order #19-54093-35, November 10, 2020
Respondent, Affreka Titus, knowingly provided false and misleading statements on an automobile renewal Qquestionnaire for the New Jersey Manufacturers Insurance Company, dated April 10, 2019.  Specifically, Ms. Titus failed to disclose a licensed, household resident and operator of the policy vehicle.
Civil Penalty: $1,500

Scott L. Simon, Montclair, NJ
Order #20-51003-04, November 10, 2020
Respondent, Scott L. Simon, did knowingly provide materially false information to Progressive Insurance Company during a statement of no loss on January 9, 2020.  Specifically, Mr. Simon indicated that no damage or theft occurred to any vehicle listed on his automobile insurance policy during the lapse period, when in fact, he was involved in an accident earlier that same day prior to reinstating the policy.
Civil Penalty: $3,000

Giovani Cohen, West Caldwell, NJ
Order #20-50742-04, November 10, 2020
Respondent, Giovani Cohen, knowingly provided several false and misleading statements in pursuit of an auto property damage claim with the Progressive Insurance Company, for a loss that occurred on January 21, 2020.  Specifically, Mr. Cohen stated that there were no passengers in his vehicle at the time of the accident, when in fact, there was a passenger in the vehicle.  Then Mr. Cohen stated that the passenger in his vehicle was a friend from work, when in fact she was a Lyft client.  Lastly, Mr. Cohen stated that he was not doing ride sharing activities at the time of the accident, when in fact he was driving for Lyft.
Civil Penalty: $2,500

Dawn Timoldi, Bayonne, NJ
Order #20-50715-35, November 10, 2020
Respondent, Dawn Timoldi, knowingly provided false and misleading information to GEICO Insurance Company on an auto application dated November 22, 2019. Specifically, Ms. Timoldi listed herself as the sole driver and owner of all five policy vehicles, when in fact, an undisclosed household resident was a regular operator of the vehicles.
Civil Penalty: $1,500

Winston Arias, Kearny, NJ
Order #19-51972-31, November 24, 2020
Respondent, Winston Arias, knowingly concealed relevant information from Progressive Insurance Company on a coverage change request dated April 5, 2019.  Specifically, Mr. Arias added his son and a vehicle, stating that his son lived and garaged the vehicle at his home address in Kearny, NJ, when in fact his son lived and the vehicle was garaged in Brooklyn, NY.
Civil Penalty: $2,500

Pablo Centeno-Aguilar, Passaic, NJ
Order #19-50557-35, November 24, 2020
Respondent, Pablo Centeno-Aguilar, knowingly provided false and misleading information to Plymouth Rock Assurance on his automobile insurance application dated October 29, 2018. Specifically, Mr. Centeno-Aguilar failed to disclose a licensed resident who had access to the policy vehicles.
Civil Penalty: $1,500

Mahesh Patel, Somerset, NJ
Order #18-54770-18, November 4, 2020
Respondent, Mahesh Patel, did knowingly provide Continental Casualty Insurance Company with false and misleading information when he submitted an altered invoice in support of his commercial theft claim for a September 16, 2018 loss.
Civil Penalty: $2,500

Jailin Diaz, Ridgefield Park, NJ
Order #19-51553-35, November 10, 2020
Respondent, Jailin Diaz, did knowingly provide materially false information on an initial application with Progressive Insurance on January 26, 2019, specifically, by failing to disclose her boyfriend as an additional resident/driver in her household.
Civil Penalty: $1,500

Oleg Solovodzinsky, Old Bridge, NJ
Order #19-54569-04, November 10, 2020
Respondent, Oleg Solovodzinsky, did knowingly make material misrepresentations to Progressive Group of Insurance Companies when he submitted an automobile glass damage claim for his insured vehicle. Specifically, the Respondent stated that the damage to the vehicle occurred on October 30, 2019, when, in fact, the loss actually occurred on or before October 6, 2019, prior to the addition of glass damage coverage on October 11, 2019.
Civil Penalty: $2,000

Trina Lamb, Irvington, NJ
Order #19-51857-04, November 24, 2020
Respondent, Trina Lamb, did knowingly provide materially false and misleading information to GEICO Insurance Company when she submitted an auto property damage claim purporting that the loss occurred on May 7, 2019 when, in fact, the loss occurred on May 4, 2019, which was prior to the May 7, 2019 reinstatement of her lapsed automobile insurance policy.
Civil Penalty: $2,500

Shauntay McFarlane, Carteret, NJ
Order #20-52156-04, November 24, 2020
Respondent, Shauntay McFarlane, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company regarding the operator of a policy vehicle during a call to New Jersey Manufacturers Insurance Company on November 2, 2018. And Whereas, Respondent, did knowingly provide materially false information when she advised New Jersey Manufacturers Insurance Company that she was operating the insured policy vehicle when it was involved in an accident on April 4, 2020, when, in fact, an undisclosed driver was operating the vehicle at the time of loss.
Civil Penalty: $4,000

Alexandra De Sisto, Brick, NJ
Order #19-51794-04, November 24, 2020
Respondent, Alexandra De Sisto, did knowingly provide a materially false statement to Progressive Group of Insurance Companies in the FNOL taken on April 23, 2019 and a recorded statement taken on May 1, 2019 by claiming the property damage to her vehicle occurred during the policy period, when in fact, the damage occurred prior to the policy being incepted.
Civil Penalty: $2,500

Abdallah J. Abdelrahim, Clifton, NJ
Order #18-52090-21, November 24, 2020
Respondent, Abdallah J. Abdelrahim, did knowingly provide a materially false statement to Utica National Insurance Company on April 17, 2018, by fabricating a false Vehicle Bill of Sale for a 2003 BMW 325xi, and submitting same in support of a commercial automobile property damage claim.
Civil Penalty: $4,000

Dorota Malik, Elmwood Park, NJ
Order #19-52182-35, October 7, 2020
Respondent, Dorota Malik, knowingly provided false and misleading information on a MetLife automobile insurance application dated April 09, 2015 and on subsequent policy renewal declarations. Specifically, Ms. Malik failed to disclose a household or licensed resident.
Civil Penalty: $1,500

Nelson Morel, Paterson, NJ
Order #19-51963-35, October 14, 2020
Respondent, Nelson Morel, knowingly provided false and misleading information to Progressive Insurance Company by failing to list a licensed household member on his auto insurance application dated July 3, 2018.
Civil Penalty: $1,500

Jesse Griggs, dba, AGL Development, LLC, Hackensack, NJ
Order #19-54866-38, October 14, 2020
Respondent, Jesse Griggs, dba, AGL Development LLC, knowingly provided false and misleading information to Progressive Insurance Company on a commercial auto application, dated October 17, 2019.  Specifically, Mr. Griggs, dba, AGL Development LLC, failed to disclose all the employees who regularly operate the company policy vehicles.
Civil Penalty: $2,500

Konstantin Musatoff, Stroudsburg, PA
Order #19-51226-48, October 21, 2020
Respondent, Konstantin Musatoff, did knowingly provide materially false information on an initial application with Progressive Insurance on April 2, 2018, specifically, by falsely claiming he, his wife and daughter resided in Pennsylvania, when in fact, they resided in River Edge, NJ and principally garaged his vehicles in New Jersey; and Respondent, Konstantin Musatoff, did knowingly provide materially false information on a renewal declaration with Progressive Insurance on August 28, 2018, specifically by falsely claiming he, his wife, and daughter resided in Pennsylvania, when in fact, they resided in River Edge, NJ and principally garaged his vehicles in New Jersey.
Civil Penalty: $2,500

Rosanna Tarabocchia, Livingston, NJ
Order #18-54412-35, October 21, 2020
Respondent, Rosanna Tarabocchia, knowingly provided false and misleading statements on an application for automobile insurance with Progressive Insurance Company dated September 25, 2018. Specifically, Ms. Tarabocchia failed to indicate that her husband was involved in a loss with a policy vehicle earlier that day, when there was no coverage in effect.
Civil Penalty: $1,500

Adolph Tarabocchia, Livingston, NJ
Order #20-52109-04, October 21, 2020
Respondent, Adolph Tarabocchia, knowingly provided false and misleading statements on an auto property damage claim with Progressive Insurance Company dated September 26, 2018. Specifically, Mr. Tarabocchia stated that his vehicle was damaged from water on September 25, 2018 at 8 p.m., when in fact the loss occurred earlier in the day, when he knew there was no coverage in effect.
Civil Penalty: $3,000

Maria Del Carmen Tecalero, Red Bank, NJ
Order #19-51535-24, October 21, 2020
Respondent, Maria Del Carmen Tecalero, knowingly provided a fictitious social security number to her employer on August 31, 2017, which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of New Jersey to which she was not entitled.  Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $2,000

Gerardo Trejo Martinez, Red Bank, NJ
Order #19-51535-24, October 21, 2020
Respondent, Gerardo Trejo Martinez, knowingly provided a fictitious social security number to his employer on July 23, 2013, which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of New Jersey, to which he was not entitled.  Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $2,000

Elaine Buzby, Brookhaven, PA
Order #20-52196-31, October 27, 2020
Respondent, Elaine Buzby, did knowingly provide materially false information to the Progressive Group of Insurance Companies on February 6, 2020 on her automobile insurance application and in subsequent conversations by falsely claiming that she resided in New Jersey, when in fact, she resided in Pennsylvania.
Civil Penalty: $3,500

Joseph Gelpi, Point Pleasant Borough, NJ
Order #20-51806-35, October 27, 2020
Respondent, Joseph Gelpi, did knowingly provide materially false information to Progressive Group of Insurance Companies in policy calls made on February 26, 2020 and April 3, 2020 by falsely claiming windshield damage occurred after the policy change was in force on February 24, 2020, when in fact it occurred prior to the policy change that took place on February 13, 2020.
Civil Penalty: $2,500

Syed Hashmi, Boonton Twp., NJ
Order #18-54564-35, October 27, 2020
Respondent, Syed Hashmi, knowingly provided false and misleading statements on an automobile insurance application with Drive New Jersey Insurance Company dated January 31, 2018, specifically, by failing to disclose a licensed, household resident.
Civil Penalty: $1,500

Gorav Aggarwal, Edison, NJ
Order #20-50015-16, October 27, 2020
Respondent, Gorav Aggarwal, knowingly provided materially false and misleading information to Progressive Insurance Company when he submitted a commercial auto property damage claim for front end damage purporting that the loss occurred on October 3, 2019 when, in fact, said front end damage occurred prior to the September 19, 2019 inception of his commercial automobile insurance policy.
Civil Penalty: $2,500

Beatriz D. Ayala, College Point, NY
Order #18-52279-38, October 27, 2020
Respondent, Beatriz D. Ayala, did knowingly provide materially false and misleading information on her New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated March 3, 2017 by failing to disclose the true garaging location of her insured commercial vehicles registered under the name of Fusion Trucking Corporation.
Civil Penalty: $2,500

Alexi Quimi-Mendoza, Elmwood Park, NJ
Order #18-53171-38, October 27, 2020
Respondent, Alexi Quimi-Mendoza, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated May 24, 2017, by failing to disclose the true garaging location of his insured commercial vehicles registered under the name of Melody Transport Corp.
Civil Penalty: $2,500

Alberto Ereus Rocha, Astoria, NY
Order #19-51665-38, October 27, 2020
Respondent, Alberto Ereus Rocha, did knowingly provided materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated July 2, 2018, by failing to disclose the true garaging location of his insured commercial vehicles registered under the name of ARK Transportation LLC.
Civil Penalty: $2,500

Luis Buruca, Newark, NJ
Order #18-52329-38, October 27, 2020
Respondent, Luis Buruca, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated June 29, 2017, by failing to disclose the true garaging location of his insured commercial vehicle registered under the name of Buruca Transport Corporation.
Civil Penalty: $2,500

Rocio Barzallo, Kearny, NJ
Order #18-52238-38, September 16, 2020
Respondent, Rocio Barzallo, did knowingly provide materially false and misleading information on her New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated July 29, 2017 by failing to disclose the true garaging location of her insured commercial vehicle registered under the name of Stoneforce Trucking LLC.
Civil Penalty: $2,500

Jorge A Escobar, Haledon, NJ
Order #19-53701-35, August 31, 2020
Respondent, Jorge A. Escobar, provided false and misleading information to New Jersey Manufacturers Insurance Company on automobile insurance policy renewal questionnaires and declarations between June 2017 to April 2019. Specifically, Mr. Escobar failed to disclose a licensed/permitted resident who had access to policy vehicles.
Civil Penalty: $1,500

Charmaine Beyer, Jersey City, NJ
Order #19-53779-04, August 25, 2020
Respondent, Charmaine Beyer, knowingly provided false and misleading information to Progressive Group of Insurance Companies, when pursuing an auto property damage claim dated May 10, 2019.  Specifically, Ms. Beyer stated that all of the damage to her vehicle was a result of this accident, when in fact she knew the vehicle had pre-existing damage.
Civil Penalty: $3,000

Rashon Coleman, Browns Mills, NJ
Order #19-54642-04, August 25, 2020
Respondent, Rashon Coleman, did knowingly provide a materially false statement to GEICO Indemnity Company on October 23, 2019, by indicating that his vehicle was struck on October 21, 2019, when in fact the vehicle was damaged prior to the policy inception.
Civil Penalty: $2,500

Gary Renz, Brick, NJ
Order #18-54954-30, July 14, 2020
Respondent, Gary Renz, did knowingly provide materially false information when he presented three Certificates of Liability Insurance dated May 15, 2017, August 2, 2018, and October 1, 2018 to a third party in order to secure employment, when in fact, he knew the policies were fraudulent.
Civil Penalty: $3,000

Reid Taylor, South Orange, NJ
Order #19-54168-04, July 28, 2020
Respondent, Reid Taylor, did knowingly provide materially false information during a statement of no loss on October 18, 2019 to the Progressive Insurance Company.  Specifically, Mr. Taylor indicated that no one operating a vehicle on his policy had been involved in an accident during the lapse period, October 15, 2019 to October 18, 2019, when in fact, he was involved in an accident on October 16, 2019.

Civil Penalty: $3,000

Ragy N. Radwan, Toms River, NJ
Order #19-52787-04, June 9, 2020
Respondent, Ragy N. Radwan, did knowingly make materially false statements to GEICO Indemnity Company in support of his claim, by indicating the loss occurred after he lowered his comprehensive and collision coverage to his auto policy, when in fact, the damage occurred prior to the deductibles being lowered.
Civil Penalty: $2,500

Angela Bennett, Brooklyn, NY
Order #19-50556-31, June 23, 2020
Respondent, Angela Bennett, knowingly provided false and misleading information on a Progressive Insurance Company application for automobile insurance, dated July 26, 2018, specifically, by indicating she resided in New Jersey, when in fact her address was in Brooklyn, NY.
Civil Penalty: $2,000

Jacek Bokota, Lyndhurst, NJ
Order #18-54579-33, June 30, 2020
Respondent, Jacek Bokota, did knowingly fail to disclose to the Hartford Insurance Company the death of a relative and the Respondent continued to receive and deposit eleven (11) of said relative's Worker's Compensation benefit checks into his personal account after the relative's death.
Civil Penalty: $3,500

Anyelis Vargas, Jamaica, NY
Order #19-52299-38, May 5, 2020
Respondent, Anyelis Vargas, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated February 26, 2019, by failing to disclose the true garaging location of his insured commercial vehicles registered under the name of La Lana Enterprise Corporation.
Civil Penalty: $2,500

Asadullah Ayuby, Trenton, NJ
Order #19-53960-35, May 12, 2020
Respondent, Asadullah Ayuby, did knowingly provide materially false information during a statement of no loss on September 12, 2019 at 10:46pm to Progressive Group of Insurance Companies, by indicating that no damage or theft occurred to any vehicle listed on his automobile policy during the lapse period of September 11, 2019 and September 12, 2019, when in fact damage had occurred to his vehicle during the lapse period. Respondent then attempted to have the damage claim covered.
Civil Penalty: $2,500

Dominic Hinrichsen, Vineland, NJ
Order #18-53850-33, May 12, 2020
Respondent, Dominic Hinrichsen, did knowingly provide materially false information to Travelers Insurance Company by stating that he did not have any other employment on June 29, 2018, knowing that he was employed with another company.
Civil Penalty: $3,500

Keith R. Sailer, Erial, NJ
Order #19-53965-04, May 19, 2020
Respondent, Keith R. Sailer, did knowingly provide materially false information to Drive Insurance Company on September 24, 2019, by stating that there was no prior damage to his vehicle, when in fact a claim for the prior damage was reported in 2018.
Civil Penalty: $2,000

Aquila Dunn, Willingboro, NJ
Order #19-53611-35, May 19, 2020
Respondent, Aquila Dunn, did knowingly provide materially false information to Progressive Group of Insurance Companies when applying for automobile insurance on April 6, 2019.  Specifically, Ms. Dunn failed to list her daughter as a driver of the 2001 Toyota Camry, which would have resulted in a higher premium.
Civil Penalty: $1,500

Valverlyn V. Neal, Newark, NJ
Order #18-53924-35, May 19, 2020
Respondent, Valverlyn V. Neal, provided a materially false statement to New Jersey Manufacturers Insurance Company in obtaining an Automobile Insurance Policy on November 21, 2015, and policies on November 21, 2016 and November 21, 2017. Specifically, Ms. Neal knowingly failed to disclose all licensed residents or drivers.
Civil Penalty: $1,500.00

Kimesha Walker, Far Rockaway, NY
Order #19-51902-35, May 27, 2020
Respondent, Kimesha Walker, did knowingly provide materially false information to CURE Auto Insurance Company by stating in renewal questionnaires dated December 14, 2017 and November 26, 2018, that the policy vehicles were garaged in New Jersey when, in fact, they were garaged in New York, and by failing to disclose a driver of one of the policy vehicles.
Civil Penalty: $2,500

Taylor L. Thornton, Piscataway, NJ
Order #19-53128-04, May 27, 2020
Respondent, Taylor L. Thornton, did knowingly provide materially false and misleading information to Plymouth Rock Insurance Company during a statement of no loss by stating that no person or vehicle listed on her automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on May 1, 2019 and the statement of no loss date of May 13, 2019 when, in fact, the Respondent was involved in an automobile accident on May 13, 2019, prior to the reinstatement of the policy.  Furthermore, the Respondent stated that the May 13, 2019 automobile accident occurred after the policy was reinstated when, in fact, the automobile accident occurred prior to the reinstatement of the policy when there was no coverage.
Civil Penalty: $2,500

Charles Farley, Millville, NJ
Order #18-54884-35, April 8, 2020
Respondent, Charles Farley, did knowingly provide materially false information during a statement of no loss on November 16, 2018 at 12:05 a.m. to Progressive Group of Insurance Companies, by indicating that no damage or theft occurred to any vehicle listed on his automobile policy during the lapse period of November 8, 2018 and November 16, 2018, when in fact damage had occurred to his vehicle during the lapse period. Respondent then attempted to have the damage claim covered.
Civil Penalty: $2,500

Shariff Mohmoud, Short Hills, NJ
Order #18-53089-35, April 8, 2020
Respondent, Shariff Mohmoud, did knowingly make material misrepresentations to Progressive Garden State Insurance Company, by indicating a friend was operating an insured scooter in an attempt to have a loss covered. These misrepresentations resulted in a third party claim.
Civil Penalty: $2,500

Jacari Sawyer, New York, NY
Order #19-52520-31, April 15, 2020
Respondent, Jacari Sawyer, did knowingly provide misleading information to Progressive Insurance Company on an auto policy application dated April 17, 2019.  Specifically, Jacari Sawyer stated his residence was in Bergenfield, NJ, when in fact he resided in New York, NY, where Mr. Sawyer also did not disclose that he garaged the policy vehicle.
Civil Penalty: $2,500

Jason Horton, Bridgewater, NJ
Order #19-54059-04, April 15, 2020
Respondent, Jason Horton, did knowingly provide materially false and misleading information to GEICO Insurance Company relative to an auto property damage claim for a June 15, 2019 loss when he stated that his insured vehicle was damaged while he was a spectator at a truck pull event when, in fact, he was a participant in said truck pull event when the loss occurred.
Civil Penalty: $2,500

Benyamin Fattakhov, Brooklyn, NY
Order #19-54894-31, April 29, 2020
Respondent, Benyamin Fattakhov, knowingly provided materially false and misleading information to Progressive Insurance Company on his application for automobile insurance dated May 30, 2019 when he stated that he was residing in the state of New Jersey when, in fact, he was residing in the state of New York.
Civil Penalty: $1,900

Cynthia Wade, Pemberton, NJ
Order #18-54700-35, April 29, 2020
Respondent, Cynthia Wade, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company (NJM) on March 17, 2016 and in subsequent conversations by failing to disclose that two other individuals were the primary operators of the 2016 Chrysler 200 and the 2009 Honda Accord automobiles listed on her policy and that the automobiles were garaged at locations other that the policy address.
Civil Penalty: $1,500

Britnie Austin, Rahway, NJ
Order #18-50491-31, April 29, 2020
Respondent, Britnie Austin, knowingly provided false and misleading information to CURE Insurance Company on an application for automobile insurance dated October 9, 2014, specifically, by listing the garage location of her insured vehicle to be Linden, NJ, when in fact, the vehicle was being used and garaged in Pennsylvania.
Civil Penalty: $2,500

Lauren Bunch, Red Bank, NJ
Order #20-50019-04, April 29, 2020
Respondent, Lauren Bunch, did knowingly provide materially false and misleading information to Progressive Insurance Company when she lowered her deductible on her automobile insurance policy from $1,000 to $500 on November 10, 2019, and then submitted an auto property damage claim stating that the loss occurred on December 12, 2019 when, in fact, said loss occurred on October 11, 2019 prior to her lowering the deductible.
Civil Penalty: $2,000

Damin Khalil, Fairview, NJ
Order #19-53210-35, April 29, 2020
Respondent, Damin Khalil, knowingly provided a materially false statement to Progressive Insurance Company on an automobile insurance application dated May 3, 2019.  Specifically, Mr. Khalil knowingly failed to disclose all household members and resident drivers.
Civil Penalty: $1,500

Robert Harrell, Maple Shade, NJ
Order #18-50807-17, March 2, 2020
Respondent, Robert Harrell, did knowingly provide materially false and misleading information to Travelers Insurance Company when he submitted fictitious documents in support of his claim for lost wages for an August 28, 2017 loss.
Civil Penalty: $1,000

Lankesh Kodandaramu, Iselin, NJ
Order #18-54754-35, March 2, 2020
Respondent, Lankesh Kodandaramu, knowingly submitted false and misleading information to Progressive Insurance Company on August 14, 2018 when he reinstated his auto policy and provided a statement of no loss.
Civil Penalty: $2,500

Tomasz Bednarski, Lawrence Twp., NJ
Order #19-54768-04, March 5, 2020
Respondent, Tomasz Bednarski, did knowingly provide materially false information to Progressive Insurance Company in a First Notice of Loss on November 11, 2019 by claiming the motorcycle accident happened on November 10, 2019. However, the accident actually occurred on September 8, 2019, prior to him adding collision coverage to his policy on September 12, 2019.
Civil Penalty: $2,500

Colleen Ferber, Egg Harbor Twp., NJ
Order #19-53034-35, March 5, 2020
Respondent, Colleen Ferber, did knowingly provide a materially false statement to Allstate Insurance Company on February 5, 2019 on an automobile insurance application, by failing to disclose that another individual was a resident in her household, had a suspended New Jersey driver’s license and was an operator of an insured vehicle.
Civil Penalty: $1,500

Patricia Lynch, DMD, Paramus, NJ
Order #18-50632-44, March 5, 2020
Respondent, Patricia Lynch, DMD, did knowingly misrepresent actual treatment dates and billed for services not rendered for numerous patients on claim forms submitted to Delta Dental Insurance Company between August 2010 to October 2016.
Civil Penalty: $16,000

Kaity Bland, Burlington, NJ
Order #19-54051-31, March 9, 2020
Respondent, Kaity Bland, did knowingly provide a materially false statement to Progressive Insurance Company on her automobile policy application dated July 19, 2019 and in subsequent conversations, by failing to disclose that another individual was the primary driver to the 2016 BMW automobile listed on that policy and that the automobile was garaged at a location other than the policy address, specifically in New York.
Civil Penalty: $2,500

Stephen W. Papajan, Freehold, NJ
Order #19-51013-41, March 9, 2020
Respondent, Stephen W. Papajan, did knowingly provide materially false and misleading information to Northwestern Mutual Life Insurance Company when he failed to disclose his prior medical history on his application for disability insurance dated July 27, 2015 and his corresponding medical history questionnaire dated February 1, 2015.
Civil Penalty: $1,500

Shakeema A. Ancrum, Paterson, NJ
Order #19-51078-04, March 13, 2020
Respondent, Shakeema A. Ancrum, knowingly provided false and misleading information to Plymouth Rock Management Company of New Jersey in pursuit of an auto accident claim on October 25, 2018.  Specifically, Ms. Ancrum stated the auto accident occurred on October 19, 2018 at 5:30 p.m., when, in fact, the accident occurred earlier that same day at 4:26 p.m., prior to inception of her auto policy.
Civil Penalty: $3,000

Elaine Columbia, Maplewood, NJ
Order #18-52050-48, March 13, 2020
Respondent, Elaine Columbia, knowingly provided false and misleading statements on an application for automobile insurance with Penn National Insurance Company dated September 6, 2017, specifically, by indicating that she resided in Pennsylvania, when in fact she resided in New Jersey.
Civil Penalty: $2,500

Kiara S. Montgomery, Paterson, NJ
Order #18-52830-35, March 13, 2020
Respondent, Kiara S. Montgomery, knowingly concealed relevant information on a CURE Automobile Insurance application dated December 1, 2016, and again on December 28, 2017.  Specifically, Ms. Montgomery did not disclose a licensed operator of the insured vehicle.
Civil Penalty: $1,500

Amauri H. Perez-Fermin, Jersey City, NJ
Order #19-52016-35, March 13, 2020
Respondent, Amauri H. Perez-Fermin, knowingly provided a false and misleading statement on an automobile application with Progressive Insurance Company dated March 27, 2019.  Specifically, Mr. Perez-Fermin failed to disclose other licensed household members.
Civil Penalty: $1,500

Anna Clara Sales, Long Branch, NJ
Order #19-53610-47, March 13, 2020
Respondent, Anna Clara Sales, did knowingly submit false and misleading information to Nationwide Insurance Company on March 8, 2019 when she completed and submitted an online application for pet wellness insurance.  Specifically, Anna Clara Sales failed to advise Nationwide Insurance Company of her pet's pre-existing conditions.
Civil Penalty: $1,500

Maya Windsor, Mays Landing, NJ
Order #19-53255-04, March 13, 2020
Respondent, Maya Windsor, did knowingly provide materially false information to Progressive Garden State Insurance Company when providing a statement of no loss on June 22, 2019, knowing that she had been involved in an accident earlier on the same day, while her policy was cancelled. Additionally, this misrepresentation resulted in a third party claim being filed.
Civil Penalty: $2,500

Shawn Dexter, South Amboy, NJ
Order #19-53317-04, March 13, 2020
Respondent, Shawn Dexter, did knowingly provide materially false and misleading information to Progressive Insurance Company relative to his auto property damage claim by stating that his insured vehicle was involved in an automobile accident on July 7, 2019 when, in fact, said automobile accident occurred on or about July 2, 2019 when his vehicle wasn’t covered by collision insurance.
Civil Penalty: $2,500

Rafael Javier, Bronxville, NY
Order #18-53076-38, March 17, 2020
Respondent, Rafael Javier, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated February 14, 2018, by failing to disclose the true garaging location of his insured commercial vehicles registered under the name of Trans Transport Corporation.
Civil Penalty: $2,500

Illana R. Blackshear, West Orange, NJ
Order #19-51314-35, March 17, 2020
Respondent, Illana R. Blackshear, knowingly made a material misrepresentation on her application for automobile insurance with Progressive Insurance Company on October 12, 2018 by failing to disclose a regular driver of her insured vehicle.
Civil Penalty: $1,500

Derek A. Davis, Philadelphia, PA
Order #18-53089-35, March 17, 2020
Respondent, Derek A. Davis, did knowingly conspire with another individual while pursuing a crash claim with Progressive Garden State Insurance Company, in an attempt to have a loss claim covered. This misrepresentation resulted in a third party claim.
Civil Penalty: $1,000

Susan Hamad, Maywood, NJ
Order #19-51103-35, March 18, 2020
Respondent, Susan Hamad, knowingly provided materially false and misleading information to Amica Mutual Insurance Company by failing to disclose an additional licensed vehicle operator on policy renewal questionnaires, dated August 24, 2014, November 7, 2017, and by failing to disclose two (2) additional vehicle operators on a February 22, 2019 policy renewal questionnaire.
Civil Penalty: $2,000

Dawn Puchalsky, Linwood, NJ
Order #02-25417-44, June 20, 2005
Respondent, Dawn Puchalsky, in the course of operating Dr. Puchalsky’s dental practice, did knowingly make material misrepresentations on numerous claims submitted to several dental insurance carriers.
Civil Penalty: $50,000
(*Consent Order signed 06/20/05; subsequent forfeiture of funds action, and entire balance paid in full in February 2020*)

Tanya Baisden, Pennsauken, NJ
Order #18-54117-34, February 24, 2020
Respondent, Tanya Baisden, did provide materially false information to AFLAC by submitting 15 claims for wellness visits that were not actually provided.
Civil Penalty: $3,000

Rachelle Fare, Mantua, NJ
Order #19-51431-41, February 24, 2020
Respondent, Rachelle Fare, did knowingly provide materially false information to Mutual of Omaha Insurance Company on an application for Short-Term Disability Insurance dated November 5, 2018, by failing to disclose significant medical and surgical history.
Civil Penalty: $2,000

DaQuan R. Oliphant, Pennsauken, NJ
Order #19-52065-35, February 27, 2020
Respondent, DaQuan R. Oliphant, knowingly made materially false statements to Progressive Garden State Insurance Company in support of his claim by indicating the time of loss on May 8, 2019 to be 11:30 a.m., when in fact, the actual time of loss was 8:50-9:00 a.m., which was prior to the auto policy being purchased.
Civil Penalty: $3,000

Roberto Lobonavarro, Lindenwold, NJ
Order #19-52572-04, February 10, 2020
Respondent, Roberto Lobonavarro, did knowingly provide materially false information on a Statement of No Loss to Progressive Group of Insurance Companies on May 23, 2019 at 5:03 p.m. by indicating that no one operating a vehicle on his policy had been involved in a crash during the lapse period, when in fact, he was involved in a crash on May 23, 2019 at 3:22 p.m.
Civil Penalty: $3,500

Liz O. Tecat, Clifton, NJ
Order #17-53412-03, February 6, 2020
Respondent, Liz O. Tecat, knowingly and intentionally provided false and misleading information to Progressive Insurance Company regarding an auto theft claim. Specifically, Ms. Tecat reported on May 3, 2017 that her policy vehicle was stolen, when in fact she knew the policy vehicle was involved in an at-fault accident on May 2, 2017 at 10:44 p.m.
Civil Penalty: $3,000

Dr. Sanjay Jain, dba, North Warren Medical Associates, Hackettstown, NJ
Order #18-50691-16, February 19, 2020
Respondent, Dr. Sanjay Jain, dba, North Warren Medical Associates, knowingly provided false and misleading statements on a Commercial Property Damage Claim with Travelers Insurance dated August 21, 2017, specifically, by indicating that 419 boxes of vitamin supplements were damaged from a sewage back up, when in fact, that was not true.
Civil Penalty: $4,000

Jenelyn Ruiz, Plainfield, NJ
Order #18-51909-03, February 13, 2020
Respondent, Jenelyn Ruiz, knowingly provided false and misleading statements on an auto theft claim with Progressive Direct dated January 20, 2018, specifically, by stating her vehicle was stolen, when in fact she knew it was not.
Civil Penalty: $3,500

Michael Borroto, Wayne, NJ
Order #18-54737-35, February 13, 2020
Respondent, Michael Borroto, knowingly provided false and misleading information to Farmers Insurance Company.  Specifically, on February 2, 2016, Mr. Borroto completed an application for personal automobile insurance, when in fact, he knew his vehicle was used for commercial purposes bearing commercial license plates.
Civil Penalty: $2,500

Ivon M. Llanos, Elmwood Park, NJ
Order #19-52442-35, February 26, 2020
Respondent, Ivon M. Llanos, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on auto policy endorsements and renewals between October 2015 to October 2018.  Specifically, Ms. Llanos failed to disclose licensed household members who had access to policy vehicles.
Civil Penalty: $1,500

Roderick M. Alfonso, Brooklyn, NY
Order #19-52499-31, February 6, 2020
Respondent, Roderick M. Alfonso, knowingly provided false and misleading statements on a CURE Policy Renewal Questionnaire dated December 26, 2017, specifically, by indicating he resided at 146 Evans Ave., Saddle Brook, NJ 07663, when in fact, his principal residence was Brooklyn, NY.
Civil Penalty: $2,500

Jonathan Duran, dba, Assurance Auto Body, Lodi, NJ
Order #19-52882-04, February 19, 2020
Respondent, Jonathan Duran, dba, Assurance Auto Body, knowingly supplied false and misleading statements on an auto property damage claim with Progressive Insurance Company dated July 23, 2019, specifically, by submitting an invoice for parts that were purchased, when in fact, the parts were never purchased.
Civil Penalty: $5,000

Naira Rivera, Paterson, NJ
Order #19-53067-35, February 26, 2020
Respondent, Naira Rivera, knowingly provided false and misleading information to Progressive Insurance Company on an automobile application dated July 24, 2018.  Specifically, Ms. Rivera failed to list a regular operator of a policy vehicle.
Civil Penalty: $1,500

Roberto Herrera-Sosa, Orlando, FL
Order #17-52988-34, February 25, 2020
Respondent, Roberto Herrera-Sosa, did knowingly make a fictious statement of material fact to James Cote, a surveyor for Pantaenius Insurance Company, that he had never previously done work on a yacht named "Miss Behaving," when in fact, he worked on the yacht several times.
Civil Penalty: $1,500

William Paynton, Old Bridge, NJ
Order #19-51158-04, February 25, 2020
Respondent, William Paynton, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company while reinstating his canceled automobile insurance policy by stating that he did not have any accidents, violations, or damage to his vehicle between the dates the policy canceled for non-payment on February 27, 2019 and the date of the reinstatement of his policy on February 28, 2019 at 10 a.m. when, in fact, the Respondent was involved in an automobile accident on February 28, 2019 at 9:06 a.m.  Furthermore, the Respondent did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company when he submitted an auto property damage claim purporting that the loss occurred on February 28, 2019 at 10 a.m. when, in fact, the loss occurred on February 28, 2019 at 9:06 a.m., which was prior to the reinstatement of his canceled automobile insurance policy.
Civil Penalty: $2,000

Tabitha Chan, Howell, NJ
Order #19-52140-35, February 19, 2020
Respondent, Tabitha Chan, did knowingly provide New Jersey Manufacturers Insurance Company with false and misleading information by failing to disclose a licensed household resident on her renewal application for automobile insurance dated February 2, 2018 and three (3) policy telephone calls dated April 17, 2017, July 16, 2018 and October 15, 2018.
Civil Penalty: $1,500

Ella M. Gordon, Hillside, NJ
Order #18-53049-04, February 6, 2020
Respondent, Ella M. Gordon, did knowingly provide materially false and misleading information to Progressive Insurance Company on June 26, 2018 relative to an auto theft claim by stating that her insured vehicle was stolen on June 9, 2018 when, in fact, said vehicle was stolen on June 14, 2018, when no automobile insurance coverage existed.  Furthermore, the Respondent, did knowingly provide materially false and misleading information to Progressive Insurance Company during a Statement of No Loss stating that no person or vehicle listed on her automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on June 13, 2018 and the Statement of No Loss date of June 26, 2018 when, in fact, the Respondent's insured vehicle was stolen on June 14, 2018.
Civil Penalty: $1,500

Emil Merkle, Leonia, NJ
Order #19-53078-34, February 5, 2020
Respondent, Emil Merkle, did provide a materially false statement to Mutual of Omaha Insurance Company on the May 31, 2016 application and on a claim that he submitted for Critical Illness Benefits in March of 2019 in obtaining supplemental health insurance coverage, by knowingly failing to disclose a pre-existing medical condition.
Civil Penalty: $3,500

Brandon Yoon, L. Ac., Kendall Park, NJ
Order #18-53796-24, February 5, 2020
Respondent, Brandon Yoon, L. Ac., made material misrepresentations on claims filed with Horizon Blue Cross/Blue Shield of New Jersey Insurance Company relating to acupuncture services rendered to patients between January 2016 and December 2017.  Said misrepresentations involved overutilization and failing to meet the requirements of CPT 97814.
Civil Penalty: $50,000

Talaya Johnson, Willingboro, NJ
Order #13-54502-03, January 6, 2020
Respondent, Talaya Johnson, did knowingly provide false statements to Progressive Garden State Insurance Company on the FNOL on March 16, 2013 and in the Examination Under Oath taken on May 17, 2013 by indicating that her vehicle was stolen, when in fact, she knew it was not.
Civil Penalty: $4,000

Timothy Bishop, Pennsauken, PA
Order #17-50405-30, January 6, 2020
Respondent, Timothy Bishop, owner of BMS Construction Services, did knowingly provide materially false information when he presented 10 certificates of liability insurance to third parties, when in fact, the insurance policies were invalid or expired.
Civil Penalty: $10,000

William Meyer, Jackson, NJ
Order #18-55070-04, January 6, 2020
Respondent, William Meyer, did knowingly provide materially false information to Plymouth Rock Insurance Company on September 29, 2018 and in subsequent statements, by attempting to claim prior, unrepaired damage as new.
Civil Penalty: $3,500

Michael Trubek, Brick, NJ
Order #19-50208-30, January 6, 2020
Respondent, Michael Trubek, did knowingly provide materially false information when he presented a Certificate of Insurance dated July 17, 2018 to a third party in order to secure employment, when in fact, he knew the policy was fraudulent.
Civil Penalty: $2,500

Shanta Mayweather, Neptune, NJ
Order #19-52413-04, December 2, 2019
Respondent, Shanta Mayweather, did knowingly provide materially false information on May 29, 2019 at 10:12 a.m. and 11:07 a.m. to New Jersey Manufacturers Insurance Company by indicating she had not been involved in any accident since the policy canceled on May 10, 2019, when in fact, she had been involved in an accident on May 29, 2019 at 7:55 a.m., prior to the reinstatement of the policy.
Civil Penalty: $3,000

Stephanie Larro, Vineland, NJ
Order #19-53668-47, January 31, 2020
Respondent, Stephanie Larro, did knowingly provide materially false information to Nationwide Mutual Insurance Company on August 5, 2019, by submitting two fraudulent invoices with altered dates of service in support of two pet insurance claims under two different pet insurance policies. Neither of these policies were in effect on the actual dates the services occurred.
Civil Penalty: $2,500

Collin P. Meehan, Forked River, NJ
Order #19-54110-04, January 31, 2020
Respondent, Collin P. Meehan, did knowingly provide materially false information on an application for automobile insurance to GEICO Indemnity Company on October 21, 2019 at 10:55PM, by failing to disclose a motor vehicle crash he was involved in on October 21, 2019 at 12:22 a.m. Respondent then attempted to have the damage claim covered.
Civil Penalty: $3,500

Nisha Kirton-Rojas, Mount Holly, NJ
Order #18-50683-31, January 8, 2020
Respondent, Nisha Kirton-Rojas, knowingly conspired with another individual to supply false and misleading statements to Progressive Garden State Insurance Company on an auto application dated November 19, 2017.  Specifically, Ms. Kirton-Rojas validated a fictious lease and allowed an individual to use her New Jersey address to insure a vehicle, when in fact she knew this individual primarily resided in New York.
Civil Penalty: $1,500

Luterson Vil, Hillside, NJ
Order #18-51224-04, January 8, 2020
Respondent, Luterson Vil, knowingly provided materially false information to Plymouth Rock Assurance regarding the condition of his vehicle on a vehicle theft claim.  Specifically, Mr. Vil reported that there was no pre-existing damage to his 2011 Nissan at the time of the alleged theft on December 16, 2017, when in fact, he was involved in a motor vehicle accident on December 9, 2017, which was three days prior to the inception of his auto policy on December 12, 2017.
Civil Penalty: $5,000

Arvind Patel, dba, Samau Realty, LLC & Meera Liquors Inc., Mahwah, NJ
Order #18-51515-16, January 8, 2020
Respondent, Arvind Patel, dba, Samau Realty, LLC & Meera Liquors Inc. knowingly provided a false and misleading statement to Liberty Mutual Insurance Company and their subsidiary company, Ohio Security, in support of a commercial property damage claim dated May 13, 2017.  Specifically, Mr. Patel submitted an invoice for the rental of two dumpsters for emergent clean-up and electrical work repairs, when in fact he knew neither were provided pursuant to said invoice.
Civil Penalty: $4,000

Shil Patel, Ringwood, NJ
Order #18-51515-16, January 8, 2020
Respondent, Shil Patel, knowingly conspired with another individual in providing a false and misleading statement to Liberty Mutual Insurance Company and their subsidiary company, Ohio Security, in support of a commercial property damage claim dated May 13, 2017.  Specifically, Shil Patel stated, as a witness, that two dumpsters were in fact provided for emergency clean-up pursuant to an invoice that was provided to Liberty Mutual Insurance Company, when in fact, he knew that they were not.
Civil Penalty: $2,500

Igor Rozenbaum, North Haledon, NJ
Order #18-54419-35, January 16, 2020
Respondent, Igor Rozenbaum, knowingly and intentionally concealed relevant information on an application for motor vehicle insurance with Traveler's Insurance Company, dated June 3, 2018.  Specifically, Mr. Rozenbaum failed to disclose that his 2018 Mercedes-Benz Metris would be used for livery/commercial purposes. Additionally, Mr. Rozenbaum also knowingly and intentionally provided false and misleading information on an application for motor vehicle insurance with Allstate New Jersey, dated September 26, 2019. Specifically, Mr. Rozenbaum failed to indicate that a policy vehicle was being used for livery/commercial purposes.
Civil Penalty: $2,500

Victor Tara-Cena, Newark, NJ
Order #18-54511-48, January 8, 2020
Respondent, Victor Tara-Cena, knowingly provided false and misleading information to State Farm Insurance Company on an automobile application dated March 2012, as well as on all subsequent renewals through December 2019.  Specifically, Mr. Tara-Cena provided his home address as 1874 Catasauqua Road #511, Allentown, PA 18109, when in fact, he resides and garages his vehicles at 23 Heller Parkway, Newark, NJ 07104.
Civil Penalty: $1,500

Janine Hunter, Jersey City, NJ
Order #19-50484-35, December 11, 2019
Respondent, Janine Hunter, provided false and misleading information on an auto application for Plymouth Rock Insurance Company dated July 07, 2017. Specifically, Ms. Hunter listed herself as a single sole household member on the policy, when in fact Ms. Hunter was married and living with her spouse.
Civil Penalty: $1,500

Hamza Nadeem, Little Ferry, NJ
Order #19-50740-07, January 16, 2020
Respondent, Hamza Nadeem, knowingly submitted false and misleading information to GEICO Insurance Company in support of an auto injury claim on January 15, 2019.  Specifically, Hamza Nadeem stated that he was a passenger in a parked vehicle that was involved in a motor vehicle accident resulting in injuries to his back and knees, when in fact, Mr. Nadeem was not in the vehicle at the time of loss.
Civil Penalty: $3,500

Lin Swann, Fairview, NJ
Order #19-50760-35, January 16, 2020
Respondent, Lin Swann, knowingly concealed relevant information on renewal questionnaires with CURE Insurance Company dated March 23, 2017 and March 28, 2018; specifically, by not disclosing a household resident operator of the insured vehicle.  Additionally, Ms. Swann knowingly concealed relevant information on an auto insurance application with Plymouth Rock Assurance dated January 16, 2019; specifically, by not disclosing a household resident operator of an insured vehicle.
Civil Penalty: $3,000

Dreseta Dawkins, East Orange, NJ
Order #19-52178-35, January 27, 2020
Respondent, Dreseta Dawkins, knowingly concealed relevant information on an application for automobile insurance with Progressive Insurance Company dated March 6, 2019.  Specifically, Ms. Dawkins failed to disclose a regular, licensed operator of the policy vehicle.
Civil Penalty: $1,500

Kelli Jo Kinney, Green Brook, NJ
Order #17-54276-12, January 28, 2020
Respondent, Kelli Jo Kinney, did knowingly provide United States Automobile Association (USAA) Insurance Company with materially false and misleading information by submitting a property loss claim on August 28, 2017 purporting that jewelry (three rings) were lost or stolen when, in fact, they were not.
Civil Penalty: $3,500

Joseph Binko, Cranford, NJ
Order #19-52186-04, January 16, 2020
Respondent, Joseph Binko, owner of Park Grove Auto Body, did knowingly provide CURE Insurance Company with false and misleading information relative to an auto property damage claim by purporting that all the damages sustained was the result of a November 21, 2018 loss when, in fact, a portion of said damages were enhanced.
Civil Penalty: $2,500

Abdul Moqim Karimi, Bridgewater, NJ
Order #19-52604-35, January 13, 2020
Respondent, Abdul Moqim Karimi, submitted false and misleading information to Geico Indemnity Insurance Company on January 19, 2019 when he filed a claim for damage that he reported occurred on January 19, 2019 when, in fact, the loss occurred on January 17, 2019 prior to him adding comprehensive and collision coverage to his policy.
Civil Penalty: $2,500

Reneshia Daniel, Newark, NJ
Order #19-52648-04, January 16, 2020
Respondent, Reneshia Daniel, did knowingly provide materially false and misleading information to Esurance Property and Casualty Insurance Company relative to her auto property damage claim by stating that her insured vehicle was involved in an automobile accident on July 9, 2019, when, in fact, said automobile accident occurred on June 29, 2019, prior to her automobile insurance policy's inception date of July 5, 2019.
Civil Penalty: $2,500

Abdul Quddus, Perth Amboy, NJ
Order #19-53369-04, January 27, 2020
Respondent, Abdul Quddus, knowingly provided false and misleading information to Progressive Insurance Company when he reported that his insured vehicle was damaged in an automobile accident on July 23, 2019 when, in fact, the damage was the result of an automobile accident that occurred on July 3, 2019 when said vehicle was not insured.
Civil Penalty: $2,500

Jacek Orlowski, Avenel, NJ
Order #19-50987-39, January 6, 2020
Respondent, Jacek Orlowski, knowingly concealed and failed to disclose material facts in the life insurance application process with American General Life Insurance Company relating to medical events which occurred on March 8, 2017 which would have excluded him from coverage.
Civil Penalty: $2,500

Jose Rodriguez Gomez, Red Bank, NJ
Order #19-51535-24, January 28, 2020
Respondent, Jose Rodriquez Gomez, 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