James M. Callan, Shamong, NJ
Order #22-52223-14, March 5, 2024
Respondent, James M. Callan, did knowingly make materially false statements to Farmers Property and Casualty Insurance Company on August 17, 2022, by answering “No" to the question "Is there a business at the property?" on a Sworn Statement in Proof of Loss-Home Form.
Civil Penalty: $2,500

Ashley Rodrigues, Kearny, NJ
Order #22-52728-04, March 5, 2024
Respondent, Ashley Rodrigues, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an automobile property damage claim.  Specifically, Ms. Rodrigues indicated that she was involved in a crash on August 8, 2023 at 5:50 p.m., when, in fact, the accident occurred earlier that same day prior to her renewing her lapsed auto policy.
Civil Penalty: $3,000

Rafael Kim, Fort Lee, NJ
Order #23-50736-04, March 5, 2024
Respondent, Rafael Kim, did knowingly provide materially false information to the Progressive Group of Insurance Companies on January 25, 2023, by misrepresenting the date of loss to secure coverage for windshield damage that had occurred prior to Mr. Kim obtaining glass coverage.
Civil Penalty: $1,000

Shanita Collier, Passaic, NJ
Order #23-51000-35, March 5, 2024
Respondent, Shanita Collier, knowingly provided false and misleading statements to CURE Auto Insurance Company on June 24, 2022, and again on June 28, 2022 when adding a 2016 Ford Fusion to her auto policy, specifically, by failing to identify all additional drivers.
Civil Penalty: $1,500

Arthur Beltramba, Little Falls, NJ
Order #23-52375-09, March 5, 2024
Respondent, Arthur Beltramba, knowingly provided false and misleading statements on an automobile insurance application submitted to Progressive Insurance Company dated March 26, 2023. Specifically, Mr. Beltramba failed to disclose the regular licensed operator of the policy vehicle. Respondent, Arthur Beltramba, knowingly concealed relevant information from Progressive Insurance Company in support of an auto property damage claim dated April 16, 2023.vSpecifically, Mr. Beltramba stated that his son, who seldomly used his vehicle, was involved in an accident while running an errand, when, in fact, his son is the primary operator of the insured vehicle.
Civil Penalty: $3,500

Daniel Flagg, Brick, NJ
Order #23-54579-33, March 5, 2024
Respondent, Daniel Flagg, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during recorded telephone calls on September 18, 2023 and October 12, 2023, in support of a workers compensation claim, by reporting he was not working while collecting temporary total disability benefits, when, in fact, he was gainfully employed.
Civil Penalty: $2,500

Robert Whinna, Egg Harbor Twp., NJ
Order #23-55156-04, March 5, 2024
Respondent, Robert Whinna, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 12, 2023, during a First Notice of Loss call by purporting the insured vehicle suffered damage on October 11, 2023, when, in fact, the vehicle was damaged prior to the coverage change to lower the deductible on September 25, 2023.
Civil Penalty: $2,500

Ivelis Estevez, Bronx, NY
Order #22-50183-31, March 13, 2024
Respondent, lvelis Estevez, knowingly provided false and misleading information on an automobile insurance application submitted to the Progressive Group of Insurance Companies dated October 29, 2021. Specifically, Ms. Estevez stated that she resided and garaged her policy vehicle in Hackensack, NJ, when, in fact, she primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Soham Shah, Marlton, NJ
Order #22-53866-04, March 13, 2024
Respondent, Soham Shah, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 28, 2022, in support of an automobile glass damage claim.  Respondent reported damage to his windshield occurred on October 27, 2022, when, in fact, the damage was present prior to the policy inception.
Civil Penalty: $1,500

Myles I. Peckler, Clifton, NJ
Order #22-54307-04, March 13, 2024
Respondent, Myles I. Peckler, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim.  Specifically, Mr. Peckler indicated that windshield damage occurred on November 4, 2022, shortly after he added glass coverage to his policy, when, in fact, records revealed that the damage occurred on or about October 29, 2022 before coverage was in effect.
Civil Penalty: $1,000

Semya Gill, Vauxhall, NJ
Order #23-51691-51, March 13, 2024
Respondent, Semya Gill, knowingly provided false and misleading information to Progressive Insurance Company when reinstating her automobile policy.  Specifically, Respondent completed a Statement of No Loss on April 6, 2023 at 8:20 a.m. denying any losses between the policy lapse and reinstatement date when, in fact, she had been in an accident approximately eight hours prior to completing the Statement of No Loss. Civil Penalty: $1,500

Juan D. Bermudez, Bayville, NJ
Order #23-52651-35, March 13, 2024
Respondent, Juan D. Bermudez, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on May 15, 2023, by failing to disclose an additional household member and operator of the insured vehicle. Civil Penalty: $1,500

Khalil Jannah, Montclair, NJ
Order #23-54205-35, March 13, 2024
Respondent, Khalil Jannah, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim when he provided a First Notice of Loss on September 19, 2023 by stating that a loss occurred to his policy vehicle on September 18, 2023 at 11:59 p.m.  Specifically, Respondent, submitted an incorrect date of loss, knowing that the incident occurred prior to him lowering his comprehensive deductible, collision deductible and adding rental coverage. Civil Penalty: $1,500

Carmen Ubarry, Glendora, NJ
Order #23-54314-51, March 13, 2024
Respondent, Carmen Ubarry, did knowingly provide materially false information during a Statement of No Loss on September 28, 2023 at 12:49 p.m. to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, when, in fact, a motor vehicle accident had occurred involving the policy vehicle on September 27, 2023. Civil Penalty: $2,500

Melissa Ronda Damestoir, Bloomfield, NJ
Order #23-51756-04, March 20, 2024
Respondent, Melissa Ronda Damestoir, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on March 25, 2023, and on subsequent dates, by reporting that her windshield was damaged after she lowered her comprehensive deductible from $2,000 to $150, when, in fact, the damage occurred prior to the deductible change.
Civil Penalty: $1,500

Aziz Rahmat, Lake Hiawatha, NJ
Order #23-54316-35, March 20, 2024
Respondent, Aziz Rahmat, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated February 20, 2023. Specifically, Mr. Rahmat failed to disclose a licensed household resident and regular operator of his insured vehicles.
Civil Penalty: $1,500

Pawel R. Durak, Saddle Brook, NJ
Order #23-54841-35, March 20, 2024
Respondent, Pawel R. Durak, knowingly provided materially false information to the Progressive Group of Insurance Companies on an automobile insurance application dated July 6, 2023.  Specifically, Mr. Durak failed to disclose all licensed residents and/or regular operators of policy vehicles.
Civil Penalty: $1,500

Tawanna Broughton, Millville, NJ
Order #20-54573-24, March 27, 2024
Respondent, Tawanna Broughton, did knowingly provide false and misleading information to American Family Life Assurance Company (Aflac), dated August 15, 2018, and submitted September 17, 2018, specifically by altering two documents in support of her claim.
Civil Penalty: $1,500

Elizabeth Morales, Brooklyn, NY
Order #21-54153-31, March 27, 2024
Respondent, Elizabeth Morales, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on September 18, 2021 in an online application and on October 31, 2021 and November 3, 2021 in recorded calls, by providing her policy address and garaging location for her policy vehicle as 25-27 Norfolk Street, Newark, NJ 07103 when, in fact, her policy vehicle was primarily garaged in New York.  Furthermore, Elizabeth Morales did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on November 22, 2021, by providing a forged lease agreement and forged Optimum bill to prove New Jersey residency when, in fact, she lived in New York.
Civil Penalty: $2,500

Muniram Pokhai, Jersey City, NJ
Order #22-51012-51, March 27, 2024
Respondent, Muniram Pokhai, knowingly provided false and misleading information to Progressive Insurance Company on a Statement of No Loss dated March 4, 2022.  Specifically, Mr. Pokhai reinstated his policy indicating that his vehicle had not been involved in any accidents or losses since the policy lapse date of February 3, 2022, when in fact, his vehicle was in an accident on February 7, 2022.
Civil Penalty: $2,500

Harry R. Julian, Sr., Deptford, NJ
Order #22-51411-12, March 27, 2024
Respondent, Harry R. Julian, Sr., did knowingly provide a false and misleading statement to USAA Insurance Company on April 22, 2022, specifically, by stating he was robbed of $5,000 in cash, two handbags, and a speaker, when, in fact, he fabricated the story.  Harry R. Julian, Sr., did knowingly provide a false and misleading statement to USAA Insurance Company on April 26, 2022, specifically, by stating he was robbed of $5,000 in cash, two handbags, and a speaker, when, in fact, he fabricated the story.
Civil Penalty: $3,000

Monica Hall, Newark, NJ
Order #22-54352-35, March 27, 2024
Respondent, Monica Hall, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Company during recorded calls dated July 26, 2022 and July 27, 2022, by failing to disclose all household members.
Civil Penalty: $1,000

Danidra Olowosuko, Jamaica, NY
Order #23-51404-31, March 27, 2024
Respondent, Danidra Olowosuko, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 23, 2022, on an application for insurance, by providing the garaging location of the policy vehicle as 313 South 11th Street, 2, Newark, NJ 07103 when, in fact, the garaging location was actually 165-20 115th Avenue, Jamaica, NY 11434.
Civil Penalty: $2,500

Emmanuella Charles, Newark, NJ
Order #23-52812-35, March 27, 2024
Respondent, Emmanuella Charles, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for insurance dated March 17, 2023 by failing to disclose all drivers and household residents.
Civil Penalty: $1,500

Maria Theresa Bellavia, Paramus, NJ
Order #23-54006-12, March 27, 2024
Respondent, Maria Theresa Bellavia, did knowingly provide materially false and misleading information to USAA Insurance Company on March 6, 2023, in support of a homeowners property theft claim.  Specifically, Ms. Bellavia reported that a necklace was stolen from her residence on February 16, 2023, which would have been covered, when, in fact, she had previously reported to the carrier that it was lost in Florida and was previously informed that she did not have coverage for lost jewelry.
Civil Penalty: $3,000

Melody Ciraky, Lake Worth, FL
Order #23-54116-04, March 27, 2024
Respondent, Melody Ciraky, did knowingly provide false and misleading statements on auto property damage claims submitted to Progressive Insurance Company.  Specifically, Ms. Ciraky stated that her vehicle's windshield was damaged on September 3, 2023 and September 6, 2023, when, in fact, the damages occurred on August 17, 2023, which was prior to glass coverage being added.
Civil Penalty: $1,000

Joni Bragen, Toms River, NJ
Order #23-54370-04, March 27, 2024
Respondent, Joni Bragen, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on September 11th, 2023, by stating that a loss occurred to one of her policy vehicles on or about August 29th, 2023, when, in fact, the loss occurred on or about July 26th, 2023, prior to the addition of comprehensive coverage to her automobile policy.
Civil Penalty: $2,500

Suzanne M. Turner, Galloway, NJ
Order #23-55446-51, March 27, 2024
Respondent, Suzanne M. Turner, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 30, 2023, in support of an automobile property damage claim by providing a false Statement of No Loss and during a subsequent recorded telephone conversation, by purporting the insured vehicle was not involved in a loss during a lapse, when, in fact, the vehicle was involved in a loss prior to the policy reinstatement.
Civil Penalty: $2,500

Keta Shah, Colonia, NJ
Order #24-50142-04, March 27, 2024
Respondent, Keta Shah, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in an online claim on January 5, 2024, and in a recorded statement on January 5, 2024, by stating her policy vehicle sustained damage on January 5, 2024 when, in fact, the damage occurred prior to the addition of glass coverage on December 30, 2023.
Civil Penalty: $1,500

Samarra Goosby, Hillside, NJ
Order #22-53821-47, February 7, 2024
Respondent, Samarra Goosby, did knowingly provide materially false and misleading information to Nationwide Mutual Insurance Company by submitting an altered invoice on October 7, 2022 and an altered medical record on October 10, 2022 in support of an online pet claim for a date of service of September 16, 2022 when, in fact, the date of service was July 16, 2022, prior to the policy inception.
Civil Penalty: $1,500

Emily Tan, Old Bridge, NJ
Order #22-54269-35, February 7, 2024
Respondent, Emily Tan, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim.  Specifically, respondent reported she was involved in an automobile accident on the Garden State Parkway on October 31, 2022, when, in fact, the accident occurred on August 10, 2022 which was before the changes to her deductible coverages which went from $1,000 to $250.
Civil Penalty: $1,500

Karla Evora, North Bergen, NJ
Order #21-52061-04, February 15, 2024
Respondent, Karla Evora, knowingly made false and misleading statements to Progressive Insurance Company on April 30, 2021, in pursuit on an automobile property damage claim.  Specifically, Ms. Evora reported she was operating the insured vehicle on April 29, 2021, when it was involved in a motor vehicle accident, when, in fact, she was not in the vehicle at the time of loss. Respondent, Karla Evora, knowingly presented false and misleading statements to Progressive Insurance Company on May 4, 2021, in pursuit of an auto injury (PIP) claim.  Specifically, Ms. Evora reported on a health care claim form that she was injured in the motor vehicle accident on April 29, 2021, when in fact, she was not in the vehicle at the time of loss.
Civil Penalty: $5,000

Christopher Keith, New Milford, NJ
Order #21-53215-04, February 15, 2024
Respondent, Christopher Keith, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile property damage claim dated September 3, 2021. Specifically, Mr. Keith stated that his vehicle sustained flood damage on September 3, 2021, when, in fact, the damage was pre-existing and occurred on September 1, 2021, which was prior to policy inception. Respondent, Christopher Keith, knowingly provided false and misleading information to Liberty Mutual Insurance Company on an automobile property damage claim dated October 27, 2021. Specifically, Mr. Keith stated that his vehicle sustained flood damage on October 26, 2021, when, in fact, the damage was pre-existing and occurred on September 1, 2021, which was prior to policy inception.
Civil Penalty: $5,000

Marissa Roman, Los Angeles, CA
Order #22-51403-35, February 15, 2024
Respondent, Marissa Roman, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated August 26, 2021. Specifically, Ms. Roman failed to disclose additional licensed resident drivers and regular operators.
Civil Penalty: $1,500

Evelyn Burgos-Archie, Sicklerville, NJ
Order #20-51431-35, February 21, 2024
Respondent, Evelyn Burgos-Archie, did knowingly provide materially false information to the Progressive Group of Insurance Companies by failing to disclose a regular operator of an insured vehicle on an automobile application dated January 2, 2020, and during a policy modification on February 4, 2020. Additionally, Respondent indicated the vehicle would be garaged at the policy address in Sicklerville, NJ, when, in fact, it was garaged and regularly operated in Georgia.
Civil Penalty: $2,500

Edgar Romero and JRL Truck, LLC, Clifton, NJ
Order #21-52235-35, February 21, 2024
Respondents, Edgar Romero and JRL Truck, LLC, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in support of a commercial auto property damage claim on June 7, 2021.  Specifically, Respondent(s), reported that the commercial vehicle, a 2007 Kenworth TBO Truck, was involved in an automobile accident on June 7, 2021 at 7:30 a.m. when, in fact, the commercial vehicle was involved in a loss on June 4, 2021 prior to the insured(s) adding comprehensive and collision coverage to the commercial vehicle.
Civil Penalty: $1,500

Wilson Yunganaula and W&A Renovations Corporation, Clifton, NJ
Order #21-53120-04, February 21, 2024
Respondents, Wilson Yunganaula, AKA Wilson G. Yunganaulavelecel, AKA Wilson Velecela, and W&A Renovations Corporation, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on June 11, 2021, when pursuing a commercial auto property damage claim for a 2014 Honda Odyssey. Specifically, Wilson Yunganaula, AKA Wilson G. Yunganaulavelecel, AKA Wilson Velecela, and W&A Renovations Corporation reported that all damage to the vehicle was the result of an incident on June 9, 2021, and specifically denied any prior damage, when, in fact, that vehicle was sold to the Respondent on May 15, 2021 with visible prior damage.
Civil Penalty: $3,000

Deanna Dominguez, Jersey City, NJ
Order #22-52647-04, February 21, 2024
Respondent, Deanna Dominguez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim.  Specifically, Ms. Dominguez first attempted to pursue a claim under her commercial auto policy with the date of loss of March 11, 2022.  However, this policy had been cancelled prior to the loss date. Ms. Dominguez then purchased a new personal auto policy for the same vehicle on March 22, 2022.  Ms. Dominquez then pursued a claim for the same damages but now dated the loss as April 23, 2022.
Civil Penalty: $3,000

Carol Baliatico, Belmar, NJ
Order #23-50514-35, February 21, 2024
Respondent, Carol Baliatico, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for auto insurance dated January 2, 2023 by failing to disclose all drivers and household residents.
Civil Penalty: $1,500

Russell B. Klein, Chery Hill, NJ
Order #23-52468-45, February 21, 2024
Respondent, Russell B. Klein, did knowingly provide materially false information to TriPlus Services, Inc. on seven (7) Statement of Care Forms, between January 1, 2021, and September 4, 2021, by billing for services not provided relative to a Long Term Care Policy with American Network Insurance Company.
Civil Penalty: $10,500

David Niemiec, Burlington, NJ
Order #23-55535-51, February 21, 2024
Respondent, David Niemiec, did knowingly provide materially false information during a Statement of No Loss on September 28, 2023, to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, no one operating a vehicle listed on his policy had been involved in an accident during the lapse period and verified there was no damage to the policy vehicle during the lapse period of September 21, 2023 and September 28, 2023, when, in fact, a motor vehicle accident had occurred on September 21, 2023 at 9:30 p.m. involving the policy vehicle which was during the lapse period.  He also misrepresented the date of loss on the First Notice of Loss call dated October 10, 2023.
Civil Penalty: $2,500

Robert Smalls, Perth Amboy, NJ
Order #21-52701-35, January 2, 2024
Respondent, Robert Smalls, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 14, 2021, and during subsequent calls, in support of an automobile window glass damage claim. Specifically, Robert Smalls reported that the damage to his vehicle occurred on July 14, 2021, and denied prior windshield damage when, in fact, the loss occurred prior to Robert Smalls adding comprehensive coverage with a $50 window glass deductible to his policy.
Civil Penalty: $1,500

Jennifer Ramirez, Wall, NJ
Order #22-52131-35, January 2, 2024
Respondent, Jennifer Ramirez, did knowingly provide false and misleading information on her automobile application with Plymouth Rock Assurance Company on July 27, 2022 by failing to disclose an additional household resident(s) and operators of the policy vehicle(s).
Civil Penalty: $1,500

John Casella, Union, NJ
Order #19-52718-35, January 10, 2024
Respondent, John Casella, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on an automobile insurance policy application dated December 15, 2016, and on policy declarations endorsements in 2017, 2018, and 2019.  Specifically, Mr. Casella failed to disclose a licensed household resident and/or regular operator.
Civil Penalty: $1,500

Javier Osorio-Mejia, Bayonne, NJ
Order #20-53376-03, January 10, 2024
Respondent, Javier Osorio-Mejia, knowingly concealed relevant information from the Progressive Group of Insurance Companies when obtaining an automobile insurance policy. Specifically, Mr. Osorio-Mejia submitted a policy application on August 19, 2020 (5:06 p.m.) and failed to disclose that his vehicle had been stolen and involved in an accident earlier that day. Respondent, Javier Osorio-Mejia, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on August 31, 2020, in pursuit of an auto theft claim. Specifically, Mr. Osorio-Mejia stated that his vehicle was stolen and involved in an accident on August 20, 2020, when in fact, the vehicle had been stolen and involved in an accident on August 19, 2020 (4:30 p.m.), which was prior to policy inception.
Civil Penalty: $5,000

Dagoberto Echemendia, Elizabeth, NJ
Order #20-53745-35, January 10, 2024
Respondent, Dagoberto Echemendia, knowingly provided false and misleading information to Farmers Insurance Company on an automobile insurance application dated October 17, 2015, as well as on policy declarations endorsements in 2016, 2017, 2018, and 2019.  Specifically, Mr. Echemendia failed to disclose all licensed drivers and/or regular operators.
Civil Penalty: $1,500

Yenifer Deleongarcia, Bayonne, NJ
Order #22-54125-04, January 10, 2024
Respondent, Yenifer Deleongarcia, did knowingly provide materially false information to GEICO when pursuing an auto glass claim.  Specifically, Ms. Deleongarcia stated that the damage occurred on December 9, 2022, when in fact, the windshield damage had occurred months earlier prior to her lowering the deductible.
Civil Penalty: $1,000

Daniel Entenberg, Cresskill, NJ
Order #23-50910-47, January 10, 2024
Respondent, Daniel Entenberg, knowingly provided false and misleading information to Nationwide Mutual Insurance Company when obtaining pet insurance for a canine, effective date of December 14, 2022. Specifically, Mr. Entenberg failed to disclose pre-existing medical conditions. Respondent, Daniel Entenberg, knowingly submitted false and misleading information to Nationwide Mutual Insurance Company when pursuing reimbursement for medical treatment provided to his dog, Sofia. Specifically, Mr. Entenberg altered billing records to support that Sofia's medical treatment occurred on January 4, 2023, when in fact the services were provided on November 30, 2022, which was before the inception of the policy.
Civil Penalty: $3,000

Felicia L. Kenny, Allentown, NJ
Order #23-51554-04, January 10, 2024
Respondent, Felicia L. Kenny, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim on March 30, 2023. Specifically, Respondent claimed that damage to her vehicle occurred on March 29, 2023, while her vehicle was parked when, in fact, the damage occurred as a result of her rear-ending another vehicle on March 10, 2023 prior to her lowering her comprehensive and collision deductible on her policy on March 23, 2023.
Civil Penalty: $1,500

Seon Browne, Browns Mills, NJ
Order #23-51710-35, January 16, 2024
Respondent, Sean Browne, did knowingly provide materially false information to State National Insurance Company on an initial application for automobile insurance on January 26, 2023, by failing to disclose he had a separate insurance policy with liability insurance.
Civil Penalty: $1,500

Harish Kumar, Gibbsboro, NJ
Order #23-53885-04, January 16, 2024
Respondent, Harish Kumar, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies/Drive New Jersey on August 16, 2023, during a First Notice of Loss, and in a subsequent recorded statement on August 18, 2023, in support of an automobile property damage claim. Specifically, Respondent misrepresented the factual date of loss knowing the damage had occurred prior to policy inception.
Civil Penalty: $2,500

James T. Battle
Order #20-52640-35, January 17, 2024
Respondent, James T. Battle, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Company on automobile insurance policy renewal questionnaires and policy declarations endorsements between 2014 and 2019.  Specifically, Mr. Battle failed to disclose all licensed household drivers and regular operators.
Civil Penalty: $1,500

Oswaldo P. ldrovoinga, Newton, NJ
Order #23-50147-35, January 17, 2024
Respondent, Oswaldo ldrovoinga, did knowingly provide materially false and misleading information to Progressive Insurance Company on an automobile insurance policy application dated December 13, 2023, by failing to disclose a licensed household driver of the policy vehicle. Civil Penalty: $1,500

James Grosso, Jackson, NJ
Order #20-53264-35, January 24, 2024
Respondent, James Grosso, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on a policy renewal questionnaire dated June 15, 2018, as well as during two subsequent vehicle addition calls on March 2, 2020, and May 29, 2020.  During all instances, the Respondent failed to disclose all licensed individuals residing in the household.
Civil Penalty: $1,500

Russell Williams, Jackson, NJ
Order #23-53414-04, January 24, 2024
Respondent, Russell Williams, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on July 19, 2023, during a First Notice of Loss Summary, and during a subsequent recorded telephone call on July 25, 2023, by purporting the insured vehicle suffered windshield damage on July 14, 2023, when, in fact, the vehicle's windshield was damaged prior to the amended glass coverage on July 5, 2023.
Civil Penalty: $2,000

Naisa Taylor, Camden, NJ
Order #23-53904-35, January 24, 2024
Respondent, Naisa Taylor, did knowingly provide materially false information to CURE Auto Insurance Company on an automobile insurance application dated April 11, 2023.  Specifically, the Respondent failed to disclose the true garaging location of her policy vehicles, as well as all vehicle operators and household residents.
Civil Penalty: $2,500

Tamar M. Austin, Oaklyn, NJ
Order #23-53978-35, January 24, 2024
Respondent, Tamar M. Austin, did knowingly provide materially false information to CURE Auto Insurance on August 13, 2022, and April 13, 2023, during policy amendments adding vehicles, by failing to disclose another individual would be the primary operator and the vehicles were not garaged at the policy address.
Civil Penalty: $2,500

Emmanuel Inoa-Urena and Inoa Mateo Delivery, LLC, Elizabeth, NJ
Order #23-54254-21, January 24, 2024
Respondents, Emmanuel Inoa-Urena and Inoa Mateo Delivery, LLC, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company, when submitting an application for commercial automobile insurance on July 19, 2023. Specifically, the Respondents failed to disclose all regular drivers of the policy vehicle.
Civil Penalty: $1,500

Marysabel Veras Martinez, Bronx, NY
Order #22-54112-31, January 30, 2024
Respondent, Marysabel Veras Martinez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance application dated June 16, 2022. Specifically, Ms. Veras Martinez stated that she resided and garaged her policy vehicle in Elmwood Park, NJ, when in fact, she primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Courtney Huther, Washington, NJ
Order #23-52977-04, January 30, 2024
Respondent, Courtney Huther, did knowingly provide false and misleading information to Progressive Insurance Company on an auto property damage claim.  Specifically, Ms. Huther stated that her windshield was damaged on June 14, 2023, when in fact, the damage occurred before she added comprehensive glass coverage to the automobile insurance policy on June 7, 2023.
Civil Penalty: $1,000

Fiora Jones, Newark, NJ
Order #23-53061-04, January 30, 2024
Respondent, Fiora Jones, did knowingly provide materially false and misleading information to Cure Auto Insurance Company on May 2, 2023 and June 21, 2023, in recorded phone calls, by stating that her policy vehicle sustained damage on April 30, 2023, when, in fact, the loss occurred on February 27, 2023, prior to the addition of collision coverage to her auto insurance policy.
Civil Penalty: $2,500