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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > 2018
2018 Executed Consent Orders
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December

Charles P. Alario, Bradley Beach, NJ
Order #14-52831-40, December 12, 2018
Respondent, Charles P. Alario, knowingly provided false and misleading information regarding employee job titles to Hanover Insurance Company on April 16, 2014 and September 22, 2014 and the Compensation Rating and Inspection Bureau on January 29, 2015, which resulted in worker's compensation insurance policies being issued by Hanover Insurance Company and New Jersey Manufacturers Insurance Company.
Civil Penalty: $30,000

Diane Baxter-Szabo, Milltown, NJ
Order #15-50109-35, December 7, 2018
Respondent, Diane Baxter-Szabo, knowingly provided false and misleading information to CURE Insurance Company by failing to disclose additional driver Robert D. Szabo on her auto policy dated July 3, 2014.
Civil Penalty: $1,500

Maria E. Perez, South Brunswick, NJ
Order #16-53442-35, December 20, 2018
Respondent, Maria E. Perez, knowingly provided a materially false written statement to Cure Insurance Company by failing to disclose a household resident, who is a licensed New Jersey driver, on her application for automobile insurance dated June 29, 2015.
Civil Penalty: $1,500

Jemma Robertson, Asbury Park, NJ
Order #17-51287-04, December 31, 2018
Respondent, Jemma Robertson, knowingly made material misrepresentations to Personal Service Insurance Company when she lowered her collision deductible from $2,000 to $500 effective September 21, 2016 and then subsequently submitted an auto property damage claim purporting that the damages were sustained in a September 27, 2016 automobile accident when, in fact, said damages were sustained in a July 9, 2016 automobile accident, in which coverage had been denied by an adverse insurance carrier.
Civil Penalty: $1,800

Pierce L. Pack, Trenton, NJ
Order #17-52682-35, December 20, 2018
Respondent, Pierce L. Pack, conspired with his wife, Ebony M. Pack, to knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company by misrepresenting his marital status and residence relative to PIP claims for his September 2, 2016 and January 14, 2017 losses.
Civil Penalty: $1,500

Wanda Berry, Jersey City, NJ
Order #17-53996-33, December 12, 2018
Respondent, Wanda Berry, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company, specifically, by stating on May 19, 2015 that her mother was alive and in a nursing home, when in fact, she knew she was deceased; by stating on May 22, 2015 that her mother was alive and under physician's care, when in fact, she knew she was deceased; by stating on March 9, 2016 that her mother was alive and under physician's care, when in fact, she knew she was deceased; by stating on March 14, 2016 that her mother was alive and living with her and had hospice care, when in fact, she knew she was deceased; and by stating on March 17, 2016 that her mother was alive and under physician's care, when in fact, she knew she was deceased.
Civil Penalty: $2,800

Harvey Nuila, East Rutherford, NJ
Order #18-50199-06, December 3, 2018
Respondent, Harvey Nuila, did knowingly provide a false and misleading statement to Progressive Direct Insurance Company dated November 13, 2016, specifically by stating his vehicle was stolen, when in fact, he had the car destroyed for the insurance monies.
Civil Penalty: $3,500

Gisselle Meza, Keansburg, NJ
Order #18-51609-35, December 31, 2018
Respondent, Gisselle Meza, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on July 14, 2015, when completing an application for automobile insurance, and again on May 24, 2017, when completing a renewal application. Specifically, by failing to disclose her son as a resident of the household and operator of a policy vehicle.
Civil Penalty: $1,500

Joseph Magliacano, Bloomfield, NJ
Order #18-52286-35, December 12, 2018
Respondent, Joseph Magliacano, knowingly submitted a false and misleading statement to Progressive Insurance Company on May 18, 2018 at 12:59 p.m., when he reinstated his auto policy and submitted a Statement of No Loss.  Specifically, respondent failed to disclose he was involved in a motor vehicle accident on May 18, 2018 at 10:26 a.m.
Civil Penalty: $1,000

Ebonie Boddie, Newark, NJ
Order #18-52319-04, December 17, 2018
Respondent, Ebonie Boddie, knowingly provided false information on an auto property damage claim to Progressive Garden State Insurance Company by indicating that damage occurred to her vehicle on March 9, 2018 when she reinstated her policy, when in fact, the damage occurred to her vehicle on March 8, 2018 when she was uninsured.
Civil Penalty: $1,500

Baohua Chen, Little Egg Harbor Twp., NJ
Order #16-50993-31, December 7, 2018
Respondent, Baohua Chen, knowingly provided false and misleading information to Allstate Insurance Company on an application for auto insurance dated June 5, 2015, specifically, by listing the garaging location of his 2012 Ford Econoline Van as Randolph, NJ, when in fact the vehicle was used and garaged in New York.
Civil Penalty: $2,500

Brinton Auto Body, Westfield, NJ
Order #16-54777-04, December 17, 2018
Respondent, Brinton Auto Body, knowingly provided false and misleading statements on an auto property damage claim with Allstate Insurance Company dated February 11, 2016.  Specifically, Brinton Auto Body repaired a vehicle body panel instead of sectioning/replacing the body as agreed in the insurance repair estimate.
Civil Penalty: $3,000

Mary Ellis, Maplewood, NJ
Order #17-51928-04, December 17, 2018
Respondent, Mary Ellis, knowingly made false and misleading information on a Statement of No Loss to Progressive Insurance Company, specifically, by stating that she was not involved in any losses between December 16, 2016 and January 1, 2017 at 4:24 p.m.; when in fact she was involved in a loss on January 1, 2017 at 4:47 a.m.
Civil Penalty: $1,500

Viswanatha Penmatcha, Plainsboro, NJ
Order #17-53870-10, December 17, 2018
Respondent, Viswanatha Penmatcha, knowingly provided false and misleading statements on a homeowner's property damage claim with Travelers Insurance Company.  Specifically, Mr. Penmatcha stated that the damage occurred on July 16, 2017, when in fact, the loss occurred days earlier before the insurance coverage was in effect.
Civil Penalty: $3,500

Noelia Flores, Hillside, NJ
Order #17-54409-31, December 7, 2018
Respondent, Noelia Flores, knowingly supplied false and misleading information on an automobile policy with Allstate Insurance Company, dated August 13, 2015, as well as a subsequent policy renewal dated July 5, 2016.  Specifically, Ms. Flores indicated that she lived in Manville, NJ, when in fact she resided in Elizabeth, NJ.
Civil Penalty: $2,500

Betina Wells, Jersey City, NJ
Order #18-52095-35, December 7, 2018
Respondent, Betina Wells, knowingly gave false and misleading information to CURE Insurance Company on a policy Application dated March 10, 2017.  Specifically, Ms. Wells stated that she was the only driver, when in fact there was another licensed driver in the household. 
Civil Penalty: $1,500

Dyaa Khatib, Clifton, NJ
Order #18-53065-35, December 12, 2018
Respondent, Dyaa Khatib, knowingly concealed relevant information on her Progressive automobile insurance application on February 2, 2018, specifically, by not disclosing a household resident and operator of an insured vehicle.
Civil Penalty: $1,500

Patricia Fitzgerald, Woolwich, NJ
Order #17-52916-41, December 31, 2018
Respondent, Patricia Fitzgerald, did knowingly submit materially false information in support of a claim for her long term disability income insurance to Prudential Insurance Company of America on February 6, 2017, by misappropriating funds and working while collecting benefits.
Civil Penalty: $5,000

Stephanie C. Cox, Ewing, NJ
Order #18-50039-35, December 31, 2018
Respondent, Stephanie C. Cox, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on a renewal questionnaire dated November 14, 2016, by failing to disclose another individual as the primary driver of the insured vehicle listed on that policy, and that the vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Jeffrey Eichenbaum, DC, Voorhees, NJ
Order #18-50607-02, December 31, 2018
Respondent, Jeffrey Eichenbaum, DC, did knowingly submit materially false claims to Progressive Insurance Company, Allstate Insurance Company, Horizon Blue Cross Blue Shield of NJ,  AmeriHealth/Independence Blue Cross, Cigna Insurance Company and Travelers Insurance Company by submitting bills for electrical stimulation treatments that were performed by unlicensed assistants.
Civil Penalty: $15,000

Jane Josifoski, Somerset, NJ
Order #18-51534-41, December 20, 2018
Respondent, Jane Josifoski, did knowingly submit materially false information on an application for individual disability income Insurance to Mutual of Omaha Insurance Company on June 7, 2017, by failing to disclose her prior health history. She then filed a claim against the policy.
Civil Penalty: $5,000

 
November

Kayla Skiff, Port St. Lucie, FL
Order #15-50344-04, October 23, 2018
On or about December 15, 2014, Skiff knowingly submitted false information material to her claim for benefits to Progressive Insurance Company under her Progressive automobile insurance policy covering an automobile owned by her, by falsely stating that her insured automobile sustained water damage on December 13, 2014, when the damage actually occurred on December 9, 2014, during a period of lapse in the insurance policy coverage.
Civil Penalty: $1,700

Pamela Palmer-Washington, Atlantic City, NJ
Order #18-50909-34, November 9, 2018
Respondent, Pamela Palmer-Washington, did knowingly submit a materially false claim to Aflac Insurance Company for services rendered at Olympic Physical Therapy for twelve dates of service from January 12, 2016 through February 19, 2016, where she was never a patient.
Civil Penalty: $2,000

Segundo Quinteros-Ortiz, Newark, NJ
Order #16-52564-48, November 20, 2018
Respondent, Segundo Quinteros-Ortiz, did knowingly provide materially false information on an initial application with Kemper Insurance Company on July 21, 2014, specifically, by falsely claiming he resided in Washington State, when in fact, he had resided in New Jersey and principally garaged his vehicle in New Jersey.
Civil Penalty: $2,500

Julie I. Algieri, Manalapan, NJ
Order #16-55855-10, November 28, 2018
 Respondent, Julie I. Algieri, did knowingly provide materially false information to Farmers Insurance by submitting documents purported to be invoices from BJL Aquascapes in the amounts of $8,670.32 and $5,678.67, and from Janco Electric in the amount of $1,952.18, that she knew to be forgeries.
Civil Penalty: $2,500

Ebony M. Pack, Trenton, NJ
Order #17-52682-35, November 9, 2018
Respondent, Ebony M. Pack, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by failing to disclose licensed household residents and vehicle operators on a December 14, 2015 application for automobile insurance and on subsequent policy change requests, dated June 6, 2016, December 15, 2016, and March 10, 2017.
Civil Penalty: $1,500

Wanda Taylor, New York, NY
Order #17-54312-04, November 20, 2018
Respondent, Wanda Taylor, knowingly supplied false and misleading statements in support of an auto property damage claim with Progressive Insurance Company, dated July 31, 2017, specifically, by stating that there were no other passengers in the vehicle at the time of the accident, when in fact there was.
Civil Penalty: $5,000

William Kirchgessner, Bloomingdale, NJ
Order #17-55075-39, November 20, 2018
Respondent, William Kirchgessner, knowingly provided false and misleading statements on an application for reinstatement of a life insurance policy from Pruco Life Insurance Company dated March 10, 2017, specifically, by failing to disclose a felony offense which occurred on March 21, 2016.
Civil Penalty: $1,500

Terry Grayton, Rahway, NJ
Order #18-51390-04, November 20, 2018
Respondent, Terry Grayton, knowingly provided false and misleading statements on an auto property damage claim to Allstate Insurance Company dated February 27, 2018.  Specifically, Mr. Grayton stated that his vehicle was damaged while parked, when in fact the vehicle was being driven.
Civil Penalty: $3,500

Andres Gomez, Ogdensburg, NJ
Order #18-51766-38, November 20, 2018
Respondent, Andres Gomez, acting on behalf of Beaver Tree Service, LLC, knowingly provided false and misleading information to Drive New Jersey Insurance Company on an application for commercial automobile insurance dated April 20, 2017, by intentionally failing to list himself as an operator of the commercial vehicles.
Civil Penalty: $3,500

 
October

Kimberly A. Porter, Galloway, NJ
Order #13-53036-33, October 22, 2018
Respondent, Kimberly A. Porter, did knowingly work and received compensation from Halo Two LLC while receiving temporary disability compensation benefits from New Jersey Manufacturers Insurance Company from November 27, 2012 to January 2, 2013.
Civil Penalty: $5,000

Ayesha Naureen Khan, Atco, NJ
Order #16-56361-04, October 22, 2018
Respondent, Ayesha Naureen Khan, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on May 16, 2016 at 9:03 a.m., by providing a Statement of No Loss and reinstating her insurance policy, knowing that another individual had been involved in an accident with an insured vehicle earlier that morning.
Civil Penalty: $3,500

Katherine A. Dewechter, Mount Laurel, NJ
Order #17-52109-04, October 12, 2018
Respondent, Katherine A. Dewechter, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on May 15, 2017, by indicating that no losses occurred on a Statement of No Loss Form, knowing that a loss occurred on May 13, 2017, during the lapse period.  This misrepresentation resulted in a third party claim.
Civil Penalty: $2,000

Peter A. Caruso, Berlin, NJ
Order #17-54864-04, October 12, 2018
Respondent, Peter A. Caruso, knowingly made false statements to Progressive Garden State Insurance Company in support of his claim, by indicating the time of loss on October 28, 2017 to be 10:30 a.m., when in fact, the actual time of loss was 8:14 a.m., which was prior to the auto policy inception.
Civil Penalty: $3,500

Joseph Kaighn, Gloucester City, NJ
Order #18-51528-04, October 1, 2018
Respondent, Joseph Kaighn, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 8, 2018, by reporting water damage occurring to his 2016 Chrysler 200, 4 Door Sedan, on March 8, 2018 at 6:00 a.m., when in fact, the damages occurred on March 7, 2018 at 6:08 a.m., prior to the inception of the policy.
Civil Penalty: $2,500

Jeffery Brazell, Newark, NJ
Order #16-55435-04, October 23, 2018
Respondent, Jeffery Brazell, knowingly filed a false Auto Comprehensive Claim with National General Insurance Company alleging that his vehicle was broken into and his Pioneer Stereo System was stolen, when in fact there was no break in or theft and Mr. Brazell never owned this stereo.
Civil Penalty: $3,500

Kishorkumar Nar, Easton, PA
Order #17-50724-24, September 10, 2018
Respondent, Dr. Kishorkumar Nar has knowingly submitted bills to Horizon Blue Cross Blue Shield of New Jersey between February 2015 and August 2015, which contained false and misleading information.  Specifically, Dr. Nar misrepresented the complexities of evaluation and management codes for both new and established patients.
Civil Penalty: $20,000

Valencia Hunt, Elizabeth, NJ
Order #17-52107-04, October 23, 2018
Respondent, Valencia Hunt, did knowingly provide false and misleading statements on an Auto Property Claim with Progressive Insurance Company dated May 19, 2017, specifically, by stating she was involved in a motor vehicle collision on May 12, 2017 at approximately 3 p.m., when in fact the collision occurred on May 11, 2017 at approximately 3:30 p.m. before she added collision insurance to her policy.
Civil Penalty: $5,000

Steven Gregory Harris, Jersey City, NJ
Order #17-52657-04, October 2, 2018
Respondent, Steven Gregory Harris, knowingly conspired with his wife who pursued a fraudulent Auto Property Damage claim with Plymouth Rock Assurance.  Specifically, Mr. Harris stated that the insured vehicle was damaged on May 16, 2017, when in fact the loss occurred on May 5, 2017, one week before the coverage went into effect on May 12, 2017.
Civil Penalty: $3,000

Wanda M. Harris, Jersey City, NJ
Order #17-52657-04, October 2, 2018
Respondent, Wanda M. Harris, knowingly pursued an Auto Property Damage Claim for her 2011 BMW insured with Plymouth Rock Assurance.  Specifically, Mrs. Harris stated that the loss took place on May 16, 2017, when in fact the damage occurred on May 5, 2017, one week before coverage went into effect on May 12, 2017.
Civil Penalty: $3,000

John Fields, III, Newark, NJ
Order #17-53516-04, October 23, 2018
Respondent, John Fields III, misrepresented the time of a motor vehicle accident to reflect 07:45 a.m. on August 4, 2017, when in fact, the accident occurred on August 4, 2017 at 07:09 a.m., in order to benefit from newly added collision and rental coverage to his Progressive auto policy, which was added on August 4, 2017 at 07:34 a.m.
Civil Penalty: $3,500

Tyrell Ramsay, Paterson, NJ
Order #17-53930-03, October 23, 2018
Respondent, Tyrell Ramsay, knowingly provided false and misleading statements on a Revised Policy Endorsement Application to New Jersey Manufacturers Insurance Company dated August 1, 2016.  Specifically, Ms. Ramsey did not disclose that her boyfriend was the primary operator and was using the vehicle for commercial purposes.
Civil Penalty: $2,500

Geraldo Dornelas, dba, Dornelas Hardwood Floors, Newark, NJ
Order #18-50159-38, October 23, 2018
Respondent, Geraldo Dornelas, dba, Dornelas Hardwood Floors, knowingly provided false and misleading statement(s) on an application for Commercial Automobile Insurance with Progressive Insurance Company dated November 11, 2016, specifically, by failing to disclose an operator of a policy vehicle.
Civil Penalty: $2,500

Gabriel Lopez, Elizabeth, NJ
Order #18-50791-04, October 23, 2018
Respondent, Gabriel Lopez, knowingly provided New Jersey Manufacturers Insurance Company with false information on July 13, 2017.  Specifically, Mr. Lopez stated that his 2017 Mini Cooper had been found in front of his house with extensive damage to the passenger side, when in fact he was driving the vehicle when he crashed into roadway dividers.
Civil Penalty: $3,000

Todd Cerami, Belvidere, NJ
Order #18-51035-10, October 23, 2018
Respondent, Todd Cerami, knowingly provided false and misleading information on July 18, 2017 to New Jersey Manufacturers Insurance Company when reporting a loss on his homeowners policy.  Specifically, Mr. Cerami intentionally provided false and misleading information when he reported a duplicate notice of loss for a countertop and stove top.
Civil Penalty: $1,500

Marisol Fontanez, Belleville, NJ
Order #18-51100-04, October 23, 2018
Respondent, Marisol Fontanez, knowingly provided false and misleading information on a Statement of No Loss to Progressive Insurance Company, dated February 18, 2018, specifically, by stating that she nor any household members were involved in any losses between February 1, 2018 and February 18, 2018 at 1:41 p.m., when in fact a household member was involved in a loss with a policy vehicle on February 18, 2018 at 1:37 p.m.
Civil Penalty: $3,500

Eloy F. Arocho, Sr., Perth Amboy, NJ
Order #18-50291-35, October 2, 2018
Respondent, Eloy F. Arocho, Sr., knowingly submitted false and misleading statements to New Jersey Manufacturers Insurance Company on February 18, 2016 and February 6, 2017, on his Automobile Policy Renewal Questionnaires.  Specifically, he failed to list a household resident who was a licensed operator on his automobile policy.
Civil Penalty: $2,000 

Shyaisa Thompson, Trenton, NJ
Order #18-50906-04, October 22, 2018
Respondent, Shyaisa Thompson, submitted a Statement of No Loss to Progressive Insurance Company containing false and misleading information.  Specifically, on December 6, 2017, Shyaisa Thompson provided a Statement of No Loss to wherein she stated she had not been involved in any accidents between November 11, 2017 and December 6, 2017 when, in fact, she was involved in a two vehicle accident on December 4, 2017.
Civil Penalty: $1,500

 
September

Luis Figueroa, Paterson, NJ
Order #14-50149-03, September 10, 2018
On November 4, 2013, Respondent, Luis Figueroa (“Respondent”) falsely reported to Drive New Jersey Insurance Company (“Drive New Jersey”) that his insured vehicle was stolen, when in fact, it was not stolen, in support of an insurance claim Respondent submitted to Drive New Jersey.
Civil Penalty: $3,000

Robert L. Collins, Upper Saddle River, NJ
Order #14-52911-10, July 20, 2018
Respondent, Robert L. Collins, knowingly supplied false and misleading statements in support of an Additional Living Expenses (ALE) Homeowner’s Claim with Chubb Insurance Company dated October 29, 2012.  Specifically, Robert Collins indicated that he needed to rent a home after Super Storm Sandy, when in fact he attempted to purchase a home in California, falsely using his ALE Benefits. 
Civil Penalty: $5,000

Vanda K. Collins, Upper Saddle River, NJ
Order #14-52911-10, September 6, 2018
Respondent, Vanda K. Collins, knowingly supplied false and misleading statements in support of an Additional Living Expenses (ALE) Homeowner’s Claim with Chubb Insurance Company dated October 29, 2012.  Specifically, Vanda Collins indicated that she needed to rent a home after Super Storm Sandy, when in fact she attempted to purchase a home in California, falsely using her ALE Benefits.
Civil Penalty: $5,000

Wenderson DaSilva, Newark, NJ
Order #16-52797-04, September 6, 2018
Respondent, Wenderson DaSilva, knowingly supplied false and misleading statements on an auto property damage claim with Certain Underwriters of Lloyd's of London, dated July 28, 2015.  Specifically, Mr. DaSilva stated that a covered employee was the driver of a 2000 Volvo Tractor Trailer, when it was involved in an automobile accident on July 24, 2015, when in fact, this individual was not the driver at the time of the accident.  Additionally, Mr. DaSilva stated that a covered vehicle was involved in the July 24, 2015 accident, when in fact, the vehicle involved was not insured.
Civil Penalty: $4,000

Maria De Jesus, Bayonne, NJ
Order #16-53395-04, September 12, 2018
Respondent, Maria De Jesus, knowingly provided false and misleading statements to Progressive Insurance Company in support of an auto property damage claim.  Specifically, Ms. De Jesus reported that she was involved in a motor vehicle accident on May 11, 2016, when in fact the accident occurred on May 7, 2016, during the time period that her Progressive auto policy lapsed for non-payment.
Civil Penalty: $3,500

Safiyyah A. Roberts, Irvington, NJ
Order #16-53985-35, September 20, 2018
Respondent, Ms. Safiyyah Roberts, knowingly provided false and misleading information to Progressive Insurance Company on her auto application dated December 9, 2015, and on all subsequent renewals dated May 5, 2016 and on June 13, 2016, specifically, failing to list all drivers and household residents.
Civil Penalty: $1,500

Jasmine Parker, East Orange, NJ
Order #16-55000-04, September 6, 2018
Respondent, Jasmine Parker, knowingly provided false information on a Statement of No Loss dated August 24, 2016 at 10:22 PM to Progressive Garden State Insurance Company by indicating that she was not involved in a motor vehicle accident during a lapse period, when in fact, she was involved in a motor vehicle accident on August 24, 2016 at 9:40 PM.
Civil Penalty: $3,000

Aurelio Arias, Paterson, NJ
Order #16-55126-14, September 13, 2018
Respondent, Aurelio Arias, knowingly provided false and misleading information on February 8, 2016, to Allstate Insurance Company when applying for a homeowner’s insurance policy.  Specifically, Mr. Arias insured a residential address of 23 Yerance St., Clifton, NJ, when in fact, he resides at 343 21st Ave., Paterson, NJ.
Civil Penalty: $2,500

Calvin Mikell, Linden, NJ
Order #16-55474-03, September 6, 2018
Respondent, Calvin Mikell, knowingly supplied false and misleading statements on September 26, 2016, to Farmers Insurance Company in pursuit of an auto theft claim; specifically, Mr. Mikell stated that his vehicle was stolen, when in fact he knew it was not.
Civil Penalty: $5,000

Comert Comertogullari, Clifton, NJ
Order #16-55892-04, September 6, 2018
Respondent, Comert Comertogullari, knowingly provided false and misleading information to CURE Insurance Company in pursuit of an auto property damage claim dated September 7, 2016.  Specifically, Mr. Comertogullari stated that he was not the driver in the motor vehicle accident, when in fact he was driving while under the influence.
Civil Penalty: $2,500

Shawn Bramwell, Rosedale, NY
Order #17-53930-03, September 12, 2018
Respondent, Shawn Bramwell, did knowingly supply false and misleading information to his girlfriend, who in turn pursued a fraudulent auto theft claim with New Jersey Manufacturers Insurance Company dated March 3, 2017.  Specifically, she stated that her 2008 BMW was stolen, when in fact it was being driven by Mr. Bramwell who was involved in a hit and run accident and the vehicle was eventually impounded by the police.
Civil Penalty: $5,000

Nina Adebajo, West Orange, NJ
Order #17-54988-12, September 20, 2018
Respondent, Nina Adebajo, knowingly provided false and misleading information to Stillwater Insurance Company, by initiating a new renters insurance policy on September 18, 2017 and reporting a claim on September 19, 2017, when in fact, the loss occurred prior to the inception of the policy.
Civil Penalty: $2,500

Ja-Quan Jones, Newark, NJ
Order #17-55018-04, September 12, 2018
Respondent, Ja-Quan Jones, knowingly supplied false and misleading statements on an auto property damage claim with Progressive Insurance Company, dated October 26, 2017, specifically, by stating that he was involved in a motor vehicle accident on October 25, 2017, between 4:30 and 5:00 PM, when in fact, the accident occurred on October 25, 2017, at 3:25 PM, before his insurance coverage went into effect.
Civil Penalty: $3,000

William Holzworth, Wenonah, NJ
Order #17-52160-30, September 28, 2018
Respondent, William Holzworth, knowingly provided materially false information when he presented a fraudulent Certificate of Liability Insurance to a third party on November 11, 2016.  The General Liability Insurance policy on the certificate expired on July 26, 2015.
Civil Penalty: $3,500

Joseph Sauro, Clayton, NJ
Order #17-52740-30, September 20, 2018
Respondent, Joseph Sauro, knowingly provided materially false information when he presented a fraudulent Certificate of Liability Insurance to a third party dated September 16, 2016. The General Liability Insurance on the certificate expired on December 17, 2015.
Civil Penalty: $3,000

Christopher Clunie, Lavallette, NJ
Order #18-51068-04, September 28, 2018
Respondent, Christopher Clunie, knowingly made materially false statements to Progressive Insurance Company in support of his claim, by indicating the date of loss to be January 31, 2018, when in fact the actual date of loss was January 25, 2018, which was prior to the coverage being added.
Civil Penalty: $3,500

Kevin Malloy, Cookstown, NJ
Order #18-51222-04, September 6, 2018
Respondent, Kevin Malloy, did knowingly provide materially false information on a Statement of No Loss form to Progressive Garden State Insurance Company on February 17, 2018, by indicating that he did not have a loss during the lapse period of February 10, 2018 and February 17, 2018, when in fact, he was involved in a crash on February 13, 2018.  Additionally, this misrepresentation resulted in a third party claim being filed.
Civil Penalty: $5,000

 
August

Sergio D. Ferreyra, North Arlington, NJ
Order #15-52751-03, August 23, 2018
Respondent, Sergio Ferreyra, on December 3, 2014, knowingly falsely reported to Progressive Garden State Insurance Company (Progressive) the theft of his 2010 Nissan Rogue, when in fact, he knew it was not stolen, and that the vehicle was involved in a fatal hit-and-run accident.
Civil Penalty: $5,000

Cyrenia Nolen, Brooklyn, NY
Order #16-53338-31, June 29, 2018
Respondent, Cyrenia Nolen, knowingly submitted false and misleading statements to New Jersey Manufacturers Insurance Company, dated August 29, 2012, specifically, by stating that her address was 240 Cross St., Matawan, NJ, when in fact she resided in Brooklyn, NY.
Civil Penalty: $2,500

Pascal Some, Jersey City, NJ
Order #16-53718-39, August 23, 2018
Respondent, Pascal Some, knowingly provided false and misleading information to American General Insurance Company by failing to disclose his complete medical history on a life insurance policy application dated January 1, 2015.
Civil Penalty: $2,000

Dwaine McLean, Englewood, NJ
Order #16-54571-04, August 6, 2018
Respondent, Dwaine McLean, knowingly provided false and misleading information to GEICO Insurance Company on June 21, 2016, in pursuit of an auto property damage claim.  Specifically, Mr. McLean reported damage to his vehicle as a result of a motor vehicle accident, when in fact, that never occurred.
Civil Penalty: $4,000

Sandra Velezmonsalve, Washington, NJ
Order #16-55243-04, August 16, 2018
Respondent, Sandra Velezmonsalve, knowingly and willfully, gave false and misleading information as to the actual date of an auto loss to her carrier GEICO Insurance Company.  This false date was given after Ms. Velezmonsalve lowered her deductible from $5,000 to $500 on her 2016 BMW.  Specifically, claiming the loss happened on September 30, 2016, when in fact it happened on September 29, 2016.
Civil Penalty: $3,500

Leslie Roberson, Little Falls, NJ
Order #16-56086-37, August 23, 2018
Respondent, Leslie Roberson, knowingly provided false and misleading information to National General Insurance Company when she advised in her August 9, 2011 application for homeowner’s insurance that the property located at 11 Parkhurst St., Newark, NJ, would be owner-occupied, when in fact, Mrs. Roberson never lived at this residence.
Civil Penalty: $2,500

Shawn Roberson, Little Falls, NJ
Order #16-56086-37, August 23, 2018
Respondent, Shawn Roberson, knowingly conspired with his wife, Leslie Roberson, when he advised in a recorded statement dated October 20, 2016, given to a National General investigator that he and his wife had lived at the residence located at 11 Parkhurst St., Newark, NJ, when in fact, they have never lived at this residence.
Civil Penalty: $1,500

Douglas Damiano, Matamoras, PA
Order #17-50650-12, August 16, 2018
Respondent, Douglas Damiano, knowingly made a false statement and concealed relevant information on a homeowner's property claim with United Services Automobile Association (USAA). Specifically, Mr. Damiano reported his jewelry was missing on January 13, 2017, when in fact it was not missing, and he was in possession of this jewelry.
Civil Penalty: $5,000

Shaheerah Allen, Newark, NJ
Order #17-53583-08, August 16, 2018
Respondent, Shaheerah Allen, knowingly gave false and misleading information to Esurance Insurance Company in pursuit of an auto fire loss on August 8, 2017.  Specifically, Ms. Allen stated that the loss occurred after she purchased her auto policy, when in fact, the loss occurred before she purchased her policy.
Civil Penalty: $2,000

Cesar Cherrez, Newark, NJ
Order #17-54219-35, August 23, 2018
Respondent, Cesar Cherrez, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on June 30, 2016, when adding a vehicle to his personal lines policy.  Specifically, Mr. Cherrez failed to disclose that his vehicle was being used for commercial purposes.
Civil Penalty: $2,500

Brenda Santiago, Newark, NJ
Order #17-54590-35, August 6, 2018
Respondent, Brenda Santiago, knowingly provided false and misleading statements on an automobile insurance application with Allstate Insurance Company dated April 7, 2017.  Ms. Santiago omitted additional household residents who had access to her vehicles.
Civil Penalty: $1,500

Robert Fedor, West Milford, NJ
Order #17-54989-04, August 23, 2018
Respondent, Robert Fedor, knowingly submitted false and misleading information to Esurance Insurance Company, in pursuit of an auto property damage claim.  Specifically, Mr. Fedor was involved in a motor vehicle accident that occurred at 6:50 p.m. on December 9, 2017.  On December 9, 2017 at 6:59 p.m. a policy was incepted by an online process.  On December 10, 2017 at 6:56 a.m. an online claim was submitted to Esurance Insurance Company.  Mr. Fedor secured the policy after the loss occurred.
Civil Penalty: $3,000

Subraman E. Khanthan, MD, Kearney, NJ
Order #15-50960-02, August 30, 2018
Respondent, Subraman E. Khanthan, MD, did knowingly submit 27 claims between January 9, 2009 and January 18, 2012 for facility fees to Allstate during which time the facility was not licensed by the New Jersey Department of Health, or registered with Medicare.
Civil Penalty: $5,000

Candace Joseph, North Brunswick, NJ
Order #17-50638-04, August 16, 2018
Respondent, Candace Joseph, knowingly provided a false statement to Personal Services Insurance Company, Inc. (Good2Go Auto Insurance) when she added physical damage/collision coverage to her vehicle on December 20, 2016, after her loss.  Furthermore, respondent knowingly provided false and misleading information and documentation from December 20, 2016 through February 14, 2017 in furtherance of her claim for collision benefits.
Civil Penalty: $7,500

Ivan Cedano, Perth Amboy, NJ
Order #17-54417-33, August 1, 2018
Respondent, Ivan Cedano, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that he was working while collecting temporary disability benefits on October 26, 2017 and November 1, 2017.
Civil Penalty: $1,500

Jason E. Wade, Williamstown, NJ
Order #16-52616-04, August 13, 2018
Respondent, Jason E. Wade, knowingly made materially false statements to Progressive Insurance Company in support of his claim, by indicating the date of loss to be April 14, 2016, when in fact, the actual date of loss was April 5, 2016, which was prior to the coverage being added.
Civil Penalty: $2,500

Laura Douglas, Millville, NJ
Order #17-54186-04, August 30, 2018
Respondent, Laura Douglas, did knowingly provide materially false and misleading information to GEICO Indemnity Company when filing a claim for damage that occurred on October 5, 2017, knowing that the damage occurred during a lapse period and prior to her reinstating her policy on September 20, 2017.
Civil Penalty: $2,500

John Sabella, Cape May Courthouse, NJ
Order #18-51289-04, August 7, 2018
Respondent, John Sabella, did knowingly provide materially false information to Progressive Garden State Insurance Company by claiming he was involved in a loss on March 6, 2018.  The loss actually occurred on November 7, 2017, prior to him adding comprehensive and collision coverage to the policy.
Civil Penalty: $5,000

Christopher Fash, South Toms River, NJ
Order #18-51606-04, August 13, 2018
Respondent, Christopher Fash, did knowingly provide materially false information on a statement of no loss form to Progressive Garden State Insurance Company on April 2, 2018 at 10:30 a.m. by indicating that he did not have a loss during the policy lapse period, when in fact, he was involved in a crash earlier that same morning.
Civil Penalty: $5,000

 
July

Jonathan C. McAllister, Trenton, NJ
Order # 15-53987-03, July 24, 2018
Respondent, Jonathan C. McAllister, knowingly provided false and misleading statements to GEICO Insurance Company on June 26, 2015 by falsely reporting his vehicle stolen.  Additionally, on July 5, 2015, Jonathan C. McAllister provided a vehicle theft questionnaire again indicating his vehicle had been stolen when, in fact, it had not.
Civil Penalty: $5,000

Neshanta N. Scott, East Windsor, NJ
Order #15-54356-09, July 25, 2018
Respondent, Neshanta N. Scott, provided false and misleading information to Metropolitan Property and Casualty Insurance Company.  Specifically, on or about August 19, 2015 and on or about September 1, 2015, Neshanta N. Scott knowingly submitted fictitious tow and/or roadside assistance invoices.
Civil Penalty: $1,000

Gianni K. Baptiste Hardman, Linden, NJ
Order #17-53050-04, June 11, 2018
Respondent, Gianni T. Baptist Hardman, did knowingly provide materially false information during a claim from an automobile accident on March 5, 2017, by presenting a fraudulent receipt for automobile body work of his 2011 Honda Accord to Progressive Group of Insurance Companies knowing that the vehicle was not repaired.
Civil Penalty: $2,500

Alex D. Kane, Newark, NJ
Order #16-50349-41, July 10, 2018
Respondent, Alex D. Kane, knowingly provided false and misleading information on his disability credit insurance applications to CUNA Mutual Group, dated March 19, 2015 and August 26, 2015.  Specifically, Mr. Kane failed to disclose facts regarding his pre-existing medical history and treatment.
Civil Penalty: $3,000

Mayra Garzon, Passaic, NJ
Order #16-55377-35, July 9, 2018
Respondent, Mayra Garzon, knowingly provided false and misleading information on an automobile application with Plymouth Rock Insurance Company dated November 11, 2015.  Specifically, she stated that the insured vehicles were private passenger use only, when in fact one vehicle was used for commercial purposes.
Civil Penalty: $2,500

Sandra Rosa, North Arlington, NJ
Order #16-56110-35, July 25, 2018
Respondent, Sandra Rosa, knowingly made false and misleading statements to CURE Insurance Company with respect to her auto policy.  Specifically, on November 30, 2015, Ms. Rosa failed to disclose to CURE insurance Company that there were two additional household members residing at the policy residence who held a valid New Jersey driver's license.
Civil Penalty: $1,500

Noel Adubato, Jersey City, NJ
Order #16-56383-31, July 10, 2018
Respondent, Noel Adubato, knowingly provided false and misleading statements on an auto application for insurance dated May 12, 2012, and on subsequent policy renewals with New Jersey Manufacturers Insurance Company, specifically, by indicating he resided in Red Bank, NJ, when in fact, he resided in Newark, NJ.
Civil Penalty: $5,000

Hilda Delgado, Jersey City, NJ
Order #17-50346-35, July 24, 2018
Respondent, Hilda Delgado, knowingly supplied false and misleading statements on an auto application to New Jersey Manufacturers Insurance Company dated January 6, 2010, by failing to disclose a licensed household resident and operator of the policy vehicles.
Civil Penalty: $1,500

Patrick Murphy, Clifton, NJ
Order #17-51082-40, July 24, 2018
Respondent, Patrick Murphy, d/b/a, Secaucus Car Wash, knowingly provided false and misleading statements to New Jersey Casualty Company, dated July 19, 2016; specifically, by listing on a New Jersey Compensation Rating and Inspection Bureau (NJCRIB) Workers Compensation claim that he had only one employee, when in fact, this was not true.
Civil Penalty: $3,500

Jose Nieves, Newark, NJ
Order #17-52243-04, July 9, 2018
Respondent, Jose Nieves, knowingly provided false and misleading statements to CURE Insurance Company dated May 5, 2017; specifically, by stating that he was not involved in an at fault motor vehicle accident on May 4, 2017, when in fact, he was thereby attempting to deny a potential third party claim.
Civil Penalty: $5,000

Marlon Brightman, Jersey City, NJ
Order #17-52244-04, July 10, 2018
Respondent, Marlon Brightman, knowingly provided false and misleading information to Progressive Insurance Company on December 4, 2016, on a statement of no loss.  Specifically, Mr. Brightman stated that between November 29, 2016 and December 4, 2016 at 1:12 PM he was not involved in any losses, when in fact he was involved in a motor vehicle accident on December 4, 2016 at 12:28 PM.
Civil Penalty: $2,000

Samantha Sergent, Newark, NJ
Order #17-52986-03, July 24, 2018
Respondent, Samantha Sergent, knowingly supplied false and misleading statements on a stolen vehicle report with the Newark Police Department dated March 11, 2017, which caused her mother to unknowingly file a fraudulent auto theft claim with New Jersey Manufacturers Insurance Company, when in fact, Ms.  Sergent knew it was not stolen.Civil Penalty: $3,000

 
June

Inga Fleyshman, Brooklyn, NY
Order #13-50931-40, June 11, 2018
Respondent, Inga Fleyshman, knowingly failed to disclose to New Jersey Casualty Company the true nature of the business, Fling, Inc., on an application for a worker's compensation policy dated May 1, 2010.
Civil Penalty: $5,000

Dhiren C. Amin, Piscataway, NJ
Order #14-51748-12, June 18, 2018
Respondent, Dhiren C. Amin, submitted false and misleading statements on a homeowner’s property loss report form dated January 4, 2014 and; WHEREAS, Respondent, Dhiren C. Amin, submitted three fraudulent receipts in support of his homeowner's claim with Pacific Specialty Insurance Company.
Civil Penalty: $15,000

John Dalton, Jr., Dunnellon, FL
Order #16-55583-35, June 4, 2018
Respondent, John Dalton, Jr., knowingly conspired with another individual to provide material false and misleading statements on a CURE auto application dated May 5, 2014.  Specifically, failing to document the true operators and garaging locations of his 2006 Toyota Camry.
Civil Penalty: $1,500

Catherine Tucci, Keansburg, NJ
Order #16-55583-35, June 4, 2018
Respondent, Catherine Tucci, knowingly provided material false and misleading information on her CURE auto application dated May 5, 2014.  Specifically, failing to disclose an additional operator as the primary operator and owner of a 2006 Toyota Camry.  Additionally, Ms. Tucci failed to list the primary garaging address as Staten Island, NY, at the time this application was signed and dated.
Civil Penalty: $1,500

Stephen Desiderio, Bedminster, NJ
Order #17-54214-04, June 15, 2018
Respondent, Stephen Desiderio, knowingly provided false and misleading information to GEICO when pursuing an automobile property damage loss claim dated October 4, 2017.  Specifically, Mr. Desiderio stated during a First Notice of Loss claim on October 4, 2017, that his 2016 Toyota Tundra had sustained damage, when in fact, the damages were pre-existing since June 9, 2017.  Also during a recorded statement with SIU dated October 20, 2017, Stephen Desiderio claimed the damage took place on October 4, 2017.
Civil Penalty: $2,500

Verneida Bailey, Newark, NJ
Order #15-51617-03, June 18, 2018
Respondent, Verneida Bailey, knowingly supplied false and misleading statements to New Jersey Manufacturers Insurance Company on a policy application dated January 10, 2014, when she failed to list her granddaughter as the primary operator of the vehicle.  Additionally, she then conspired with her granddaughter to file a false vehicle claim with New Jersey Manufacturers Insurance Company on April 22, 2014.  Specifically, she was informed by the Newark Police Department that the insured vehicle was involved in a hit and run accident prior to pursuing an auto theft claim.
Civil Penalty: $3,500

Alin Francois, West Orange, NJ
Order #15-52036-04, June 5, 2018
Respondent, Alin Francois, knowingly provided false and misleading information to Progressive Garden State Insurance Company.  Specifically, Mr. Francois stated during a First Notice of Loss that he was involved in a motor vehicle accident on April 24, 2015 at 6:20 PM, when in fact, the accident occurred at 4:49 PM prior to the inception of the policy.
Civil Penalty: $1,500

John Butler, Totowa, NJ
Order #15-53119-03, June 5, 2018
Respondent, John Butler, knowingly provided false and misleading statements in support of an automobile theft claim to Progressive Garden State Insurance Company on February 28, 2015, specifically, by stating his vehicle was stolen on February 28, 2015, at 2:40 AM, when in fact, he was involved in an at-fault accident on February 28, 2015 at 2:16 AM.
Civil Penalty: $3,500

Fazeila Baksh, New City, NY
Order #16-51333-41, June 5, 2018
Respondent, Fazeila Baksh, knowingly supplied false and misleading statements on a Workers Compensation claim with CNA Insurance Company dated January 15, 2015.  Specifically, she cashed three (3) Total Temporary Disability checks dated July 31, 2015, August 14, 2015, and September 11, 2015, during which time she indicated she was not working, when in fact she was working.
Civil Penalty: $3,500

Krupali Patel, Belleville, NJ
Order #16-55388-03, June 5, 2018
Respondent, Krupali Patel, knowingly provided false and misleading information on June 27, 2015, to Progressive Garden State Insurance Company when pursuing an auto theft claim.  Specifically, Ms. Patel reported her spouse's Infiniti G35 stolen, when, in fact, it was not.
Civil Penalty: $5,000

Persio Perez, Clifton, NJ
Order #17-50407-28, June 18, 2018
Respondent, Persio Perez, while employed as an Claims Examiner for ProSight Specialty Group, knowingly and willfully drafted and issued two checks dated September 9, 2016 and October 10, 2016, to a friend who was not entitled to this money.
Civil Penalty: $5,000

Argenis Caraballo, Elizabeth, NJ
Order #17-50956-04, June 5, 2018
Respondent, Argenis Caraballo, knowingly supplied false and misleading statements on an auto property damage claim to Progressive Insurance Company dated February 8, 2017.  Specifically, Mr. Caraballo stated his vehicle was involved in a hit and run accident at approximately 8:45 AM, when in fact the damage occurred earlier, before he reinstated his insurance coverage at 8:39 AM.
Civil Penalty: $3,500

Margherita Buonanno, Mountain Lakes, NJ
Order #17-52001-15, May 24, 2018
Respondent, Margherita Buonanno, knowingly failed to advise National General Insurance Company that sometime after May 16, 2016, the status of her two family residence at 209 44th Street, Union City, NJ, changed to a multi-dwelling home.  Specifically, Ms. Buonanno collected rent from at least four (4) different occupants, when she was not entitled to do so.
Civil Penalty: $1,500

Roy McDonald, Jamaica, NY
Order #17-53288-31, June 18, 2018
Respondent, Roy McDonald, knowingly made a false statement and concealed relevant information on his automobile insurance application with Progressive Insurance Company on December 19, 2016, specifically, by stating his policy address was in Jersey City, NJ, when in fact he was residing and garaging his vehicle in New York.
Civil Penalty: $2,500

Santos Reyes, Elizabeth, NJ
Order #17-53576-35, June 29, 2018
Respondent, Santos Reyes, knowingly provided false and misleading information to Progressive Insurance Company on his automobile insurance application dated June 17, 2017.  Specifically, Mr. Reyes failed to disclose an additional licensed driver and other household residents.
Civil Penalty: $1,500

Jamie Muir, Bronx, NY
Order #17-53952-31, June 29, 2018
Respondent, Jamie Muir, knowingly made a false statement and concealed relevant information on her automobile insurance application with Esurance Insurance Company on May 8, 2015, specifically, by stating her policy address was in Paterson, NJ, when in fact, she was residing and garaging her vehicle in the Bronx, NY.
Civil Penalty: $2,500

Donald Stewart, Orange, NJ
Order #17-53967-37, June 29, 2018
Respondent, Donald Stewart, knowingly provided false and misleading information to National General Insurance Company when applying for homeowner's insurance for his residence.  Specifically, Mr. Stewart stated that he resides at 407 Kerrigan Blvd., Newark, NJ, which is a four (4) family property that he owns, when in fact he resides at 27 High St., Apt. #3H, Orange, NJ.
Civil Penalty: $2,000

Javier Boxill, Paterson, NJ
Order #17-54390-04, June 29, 2018
Respondent, Javier Boxill, knowingly provided false and misleading information to Progressive Garden State Insurance Company.  Specifically, Mr. Boxill completed an Online First Notice of Loss stating he was involved in a motor vehicle accident on September 2, 2017 at 4:25 PM, when in fact, the accident occurred on August 26, 2017 before 6:20 PM, prior to obtaining the policy on August 26, 2017 at 7:09 PM.
Civil Penalty: $2,000

Ameen Hooper, Budd Lake, NJ
Order #18-50045-35, June 18, 2018
Respondent, Ameen Hooper, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on July 26, 2016.  Specifically, he failed to disclose that someone other than he was a regular operator of one of the vehicles and that it was garaged at a different location than at the policy address.
Civil Penalty: $1,500

James Vasiloff, Somers, NY
Order #13-50118-22, June 5, 2018
Respondent, James Vasiloff, knowingly made material misrepresentations on his life insurance policy application and a subsequent telephonic interview with Allianz Life Insurance Company of North America regarding the source of the premium funding and the delivery state of his policy.
Civil Penalty: $3,500

Ruthann Hoyt, Burlington, NJ
Order #16-55066-33, June 5, 2018
Respondent, Ruthann Hoyt, did knowingly provide materially false information to Travelers Insurance Company by stating that she did not have any other jobs with another employer, knowing that she was employed with DeSimone Auto Group.
Civil Penalty: $5,000

Lori Harrison, Bronx, NY
Order #16-55943-31, June 29, 2018
Respondent, Lori Harrison, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for insurance on November 20, 2015 and in a subsequent interview, by indicating that she maintained a principal residence in New Jersey when, in fact, her principal residence was in New York.
Civil Penalty: $2,500

Eric Johnson, Jr., Voorhees, NJ
Order #17-52205-04, June 29, 2018
Respondent, Eric Johnson, Jr., did knowingly provide materially false information to USAA Insurance Company in a recorded statement on April 28, 2017, by misrepresenting the prior condition of his vehicle when, in fact, his vehicle had pre-existing damage from an accident on March 29, 2017, when he did not have collision coverage.
Civil Penalty: $3,500

Kaitlin Reeves, Barnegat, NJ
Order #17-54504-04, June 29, 2018
Respondent, Kaitlin Reeves, did knowingly provide materially false information to Progressive Auto Insurance Company by reporting a loss as occurring on October 26, 2017 after she added comprehensive/collision coverage to the policy, when in fact, the loss occurred on October 17, 2017 prior to her adding coverage.
Civil Penalty: $5,000

Matthew Gorman, Browns Mills, NJ
Order #17-54906-04, June 18, 2018
Respondent, Matthew Gorman, did knowingly provide false and misleading information to Esurance Property and Casualty Insurance Company by submitting a claim and misrepresenting the time of loss knowing he did not have insurance coverage at the time of the loss on November 25, 2017.
Civil Penalty: $2,500

Cristina Castro, Toms River, NJ
Order #18-50378-47, June 22, 2018
Respondent, Cristina Castro, did knowingly submit a false and misleading claim to Nationwide Insurance Company on November 15, 2017, for reimbursement of medical bills paid on animals that were not listed on the policy.
Civil Penalty: $500

Dr. Gregory Sefcik, Arvada, CO
Order #18-50911-44, June 22, 2018
Respondent, Dr. Gregory Sefcik, did knowingly submit a materially false claim to Delta Dental Insurance Company on July 14, 2017, by submitting a claim for a filling which was not completed.
Civil Penalty: $500

 
May

Peter Devino, Cranford, NJ
Order # 14-53941-12, May 8, 2018
Respondent, Peter Devino, made false and misleading statements to Metropolitan Property and Casualty Insurance Company on July 2, 2014, when he denied he had any prior jewelry claims, when in fact, he had a prior jewelry claim with Chubb Insurance Company in 2012.
Civil Penalty: $2,500

Daniel Antolino, Mahwah, NJ
Order #15-53453-04, May 22, 2018
Respondent, Daniel Antolino, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company in a recorded First Notice of Loss call on November 4, 2014, and during a recorded statement on January 6, 2015, relating to automobile vandalism damages.  Mr. Antolino conspired with another individual to intentionally damage Mr. Antolino's 2013 BMW X5 and submit a claim for damages and storage fees.
Civil Penalty: $5,000

Rickey Aristilde, Elizabeth, NJ
Order #16-56337-03, April 19, 2018
Respondent, Rickey Aristilde, knowingly provided false and misleading information to Progressive Insurance Company in a First Notice of Loss call on November 30, 2016, and during a recorded statement on December 8, 2016.  Specifically, Mr. Aristilde stated that his 2012 Toyota was stolen on November 30, 2016, when in fact, he had been involved in an accident.  Mr. Aristilde also filed an automobile theft report with the police department on November 30, 2016 that contained the same false information.
Civil Penalty: $2,500

Dayanara De Los Rios-Grant, Brooklyn, NY
Order #16-54211-35, May 24, 2018
Respondent, Dayanara De Los Rios-Grant, knowingly provided false and misleading information on an automobile application with Progressive Insurance Company dated December 29, 2016.  Specifically, by indicating that she owned three vehicles, when in fact she was the registered owner for just one, additionally by failing to list two other primary drivers on the insurance application.  Lastly, she stated that her primary residence was in Nutley, NJ, when in fact it was Brooklyn, NY.
Civil Penalty: $3,500

Lucelly Tatiana Guerra, Perth Amboy, NJ
Order #16-54211-35, May 22, 2018
Respondent, Lucelly Tatiana Guerra, knowingly conspired with Dayanara De Los Rios-Grant on a Progressive Insurance personal automobile application dated December 29, 2016.  Specifically, Ms. Guerra insured her 2014 BMW under Dayanara De Los Rios-Grant's automobile policy and listed Nutley, NJ, as the primary residence, when in fact the vehicle was garaged elsewhere.
Civil Penalty: $2,500

Ariderson Benitez Deaza, Guttenberg, NJ
Order #16-54648-04, May 11, 2018
Respondent, Ariderson Benitez Deaza, knowingly provided false and misleading information to GEICO Indemnity Insurance Company on January 25, 2016, when filing an automobile damage claim.  Specifically, Mr. Deaza filed a claim for pre-existing damage to a 2011 Porsche Panamera, knowing that the vehicle was previously damaged and never involved in a crash on January 25, 2016.
Civil Penalty: $3,500

Flordaliza Almonte, Bronx, NY
Order #16-55482-31, May 31, 2018
Respondent, Flordaliza Almonte, on June 14, 2016, in an application for CURE Insurance Company, knowingly provided false and misleading information as to the true policy and garaging address of her insured BMW, by advising CURE Insurance that the vehicle would be garaged in West New York, NJ,  knowing that the true policy and garaging address was in Bronx, NY.
Civil Penalty: $1,500

Timothy Broome, East Orange, NJ
Order #17-52726-19, May 8, 2018
Respondent, Timothy Broome, knowingly made false and misleading statements on an automobile theft claim with Progressive Insurance Company on May 1, 2017; specifically, by reporting his vehicle stolen, when in fact he had conspired with an individual to have the vehicle burned.
Civil Penalty: $5,000

Aaron S. Yang, DDS, Paramus, NJ
Order #17-52915-44, April 25, 2018
Respondent, Dr. Aaron S. Yang, knowingly supplied false and misleading information on various dental claims between 2013 and 2017 to Guardian Insurance Company.  Specifically, Dr. Yang billed for multiple restorations, but could not provide proof that the service was done.  Additionally, Dr. Yang failed to advise Guardian Insurance Company that he waived patient copayments on various dental claims.
Civil Penalty: $5,000

Yolanda Butler, Newark, NJ
Order #17-53692-04, May 4, 2018
Respondent, Yolanda Butler, knowingly provided false and misleading information to Progressive Insurance Company on an automobile insurance policy.  Specifically, she claimed damages that occurred on August 11, 2017 from a prior accident that happened on June 23, 2017.
Civil Penalty: $2,500

Michael Botte, Cedar Grove, NJ
Order #17-54546-35, May 11, 2018
Respondent, Michael Botte, knowingly provided false and misleading statements on a policy quote with New Jersey Manufacturers Insurance Company dated July 19, 2015 and on two policy renewal questionnaires dated June 16, 2016 and June 9, 2017; specifically, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Silma L. Serrano, Trenton, NJ
Order #17-50138-04, May 24, 2018
Respondent, Silma L. Serrano, knowingly submitted a false and misleading statement to the Progressive Insurance Company on December 8, 2016.  Specifically, Respondent, Silma L. Serrano, submitted a claim that her vehicle was damaged in an accident on December 3, 2016, when, in fact, the accident had occurred on September 7, 2016.
Civil Penalty: $2,500

George Sultana, Ocean (Wayside), NJ
Order #17-52681-10, May 15, 2018
Respondent, George Sultana, knowingly made material misrepresentations to New Jersey Manufacturers Insurance Company by providing false and misleading information relative to his damaged electronics equipment and his damaged Persian rug in support of his homeowner's property damage claim for a January 17, 2017 loss.
Civil Penalty: $5,000

Hira Mazhar, Woodbridge, NJ
Order #17-53045-04, May 11, 2018
Respondent, Hira Mazhar, knowingly made misrepresentations to GEICO Insurance Company by adding rental coverage to her automobile insurance policy on July 18, 2017, and then submitted an auto property damage claim stating the loss occurred on July 19, 2017, when in fact, the loss occurred on July 18, 2017, prior to her adding rental coverage.
Civil Penalty: $1,500

Annette Maynard, Somers Point, NJ
Order #15-54228-10, May 30, 2018
Respondent, Annette Maynard, did knowingly provide material false information to American Bankers Insurance Company of Florida, Assurant Group, by initiating a new renters policy and reporting a claim on the same day, when in fact, the loss occurred prior to the inception of the policy.
Civil Penalty: $5,000

Dalena Dinh, Pennsauken, NJ
Order #17-54932-04, May 3, 2018
Respondent, Dalena Dinh, did knowingly provide a materially false statement to CURE Auto Insurance Company in adding collision coverage to her vehicle on August 12, 2017, by failing to disclose damages to the policy vehicle, as well as providing a fraudulent date of loss for the claim that was submitted on August 18, 2017.
Civil Penalty: $3,500

 
April

Remberto Gonzalez, Plainfield, NJ
Order #14-50868-33, April 26, 2018
Respondent, Remberto Gonzalez, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on March 5, 2013 relating to a Worker's Compensation claim by stating that he was not working, when in fact, he had begun working on March 5, 2013 and continued to work until April 8, 2013, while receiving Worker's Compensation benefits.
Civil Penalty: $3,500

Jean St. Fort, West Orange, NJ
Order #15-54267-35, April 4, 2018
Respondent, Jean St. Fort, knowingly provided false and misleading information to Progressive Insurance Company relating to his automobile insurance policy.  Specifically, Mr. St. Fort reported during a recorded First Notice of Loss Claim on September 3, 2015 and a Recorded Statement on September 4, 2015 that his 2013 Yamaha had sustained damages on August 31, 2015; when in fact the damages had occurred prior to him adding Collison Coverage to his existing Liability Policy on August 27, 2015 at 2:56 p.m.
Civil Penalty: $2,500

Samuel Garcia, DBA, Alexandria Auto Body, Jersey City, NJ
Order #16-52618-04, April 26, 2018
Samuel Garcia, DBA, Alexandria Auto Body, knowingly conspired with an individual by providing false and misleading information to Progressive Insurance Company relating to a motor vehicle collision that involved her 2013 Chevrolet on February 27, 2016.  Specifically, Mr. Garcia enhanced vehicle damages to eliminate the individual’s insurance collision deductible costs, in addition to submitting a claim on April 26, 2016 for parts that were never replaced, and a fictitious towing invoice to eliminate the individual’s collision deductible.
Civil Penalty: $10,000

Pedro Calderon & Rossanna Santos Pimentel, Elizabeth, NJ
Order #16-54647-03, April 26, 2018
Respondent, Pedro Calderon, knowingly conspired with Rossanna Santos- Pimentel, to provide false statements to GEICO Insurance Company in furtherance of an Auto Theft Claim dated February 16, 2016.  Specifically, the vehicle was reported stolen by Ms. Santos-Pimentel on February 15, 2016, when in fact, the vehicle was set on fire by Mr. Calderon on February 14, 2016.
Civil Penalty: $5,000

Deborah Altizio, Brooklyn, NY
Order #17-50719-31, April 18, 2018
Respondent, Deborah Altizio, knowingly provided false and misleading information to CURE Insurance Company on an Automobile Insurance Renewal Application Questionnaire dated April 7, 2015.  Specifically, Ms. Altizio stated that she resided and garaged her insured 2007 Toyota in Bloomfield, NJ, when in fact, she resided and garaged the vehicle in Brooklyn, NY.
Civil Penalty: $1,500

Anibal Cortes, Kearny, NJ
Order #17-51181-35, April 9, 2018
Respondent, Anibal Cortes, knowingly concealed relevant information on an automobile insurance application with Integon National Company on November 9, 2016, specifically, by stating he uses the vehicle for pleasure, when in fact the vehicle is commercially registered, has commercial license plates and is used for his construction business.
Civil Penalty: $1,500

Alexandre Ponsin, Manhattan, NY
Order #18-50243-31, April 17, 2018
Respondent, Alexandre Ponsin, knowingly provided false and misleading information to Progressive Insurance Company when applying for automobile coverage for his 2017 BMW Motorcycle.  Specifically, Mr. Ponsin provided a residential address of 163 North Oraton Parkway, East Orange, NJ, which is an investment property that he owns, when in fact he resides at 51 West 70th Street, Manhattan, New York City.
Civil Penalty: $1,500

Bryan K. Sonnen, Rocky Hill, NJ
Order #14-53164-03, April 11, 2018
Respondent, Bryan K. Sonnen, violated N.J.S.A. 17-33A-4a (3), in that he knowingly made false, fraudulent, or misleading statements of fact in any record or document, in writing, electronically, to the MetLife Insurance Company for the purpose of a fraudulent, misleading, and unauthorized withdrawal of the cash value of a life insurance policy in the name of Sonnen’s grandmother.
Civil Penalty: $3,000

Christopher Timpano, Flemington, NJ
Order #17-55074-33, April 11, 2018
Respondent, Christopher Timpano, knowingly provided material false and misleading statements on a healthcare form signed and dated October 7, 2017.  Additionally, Mr. Timpano submitted a false and misleading statement to United Fire Group on October 10, 2017.  Specifically, Mr. Timpano stated on his healthcare form that his injury was work related, when in fact it was not.  Mr. Timpano also failed to disclose in his recorded statement that his injury was actually from punching a door.
Civil Penalty: $2,500

Tu Luu, Lumberton, NJ
Order #16-55220-10, April 13, 2018
Respondent, Tu Luu, did knowingly make a material misrepresentation to Homesite Insurance Company, by lowering his homeowner’s insurance deductible on July 22, 2016, then changing the date of loss of a hail and wind damage claim to July 23, 2016, in an attempt to obtain coverage under the lower deductible.
Civil Penalty: $5,000

 
March

Michele Yorgan, Cherry Hill, NJ
Order #13-54646-03, March 15, 2018
Respondent, Michele Yorgan, insured a 2013 Porsche Cayenne with Travelers Insurance Company on March 20, 2013, knowing that she never actually owned or possessed the vehicle.  She then reported the same vehicle as being stolen to Travelers Insurance Company on April 10, 2013.  Additionally, she made material misrepresentations in an Examination Under Oath on August 21st, 2013 regarding her purchase of the vehicle.
Civil Penalty: $15,000

Labre Hodge, Pine Hill, NJ
Order #15-54269-05, March 28, 2018
Respondent, Labre Hodge, did knowingly provide materially false information in presenting a PIP claim to GEICO Insurance Company and a BI claim to Allstate Insurance Company, by stating that she was the driver in an accident that occurred on March 8, 2015, when in fact, she was not in the vehicle.
Civil Penalty: $5,000

Alexis Jones, Sicklerville, NJ
Order #16-53659-04, March 6, 2018
Respondent, Alexis Jones, did knowingly provide materially false information to Progressive Garden State Insurance Company on May 13, 2016, by reporting an auto property damage claim as occurring on May 12, 2016, between 10:00 PM and 11:00 PM, when in fact, the motor vehicle crash was reported to police on May 12, 2016 at 8:43 PM.  Additionally, the insured had contacted Progressive Garden State Insurance Company and amended the policy by adding collision coverage and rental reimbursement between the time.
Civil Penalty: $2,500

Selina Montero, Absecon, NJ
Order #16-55769-04, March 6, 2018
Respondent, Selina Montero, did knowingly provide materially false information during a Statement of No Loss on October 28, 2016 at 4:54 PM to Progressive Garden State Insurance Company, by indicating that no one operating a vehicle on her policy had been involved in a crash during the lapse period when in fact, another individual was involved in a crash with a policy vehicle on October 28, 2016 at 4:43 PM.
Civil Penalty: $2,500

Katina R. Rivera, Somers Point, NJ
Order #16-55774-35, March 19, 2018
Respondent, Katina R. Rivera, did knowingly provide material false information to New Jersey Manufacturers Insurance Company on an application for automobile insurance coverage, by failing to disclose she had no insurable interest in the insured 2006 Honda Accord, and failed to disclose that she was married in May of 2013 on NJM Renewal Questionnaires signed and dated October 17, 2013 and November 22, 2015.
Civil Penalty: $1,500

Brenda Robles, Camden, NJ
Order #17-51672-07, March 6, 2018
Respondent, Brenda Robles, knowingly made material misrepresentations to Plymouth Rock Assurance Company relative to her claim resulting from an automobile accident that occurred on December 2, 2016.
Civil Penalty: $5,000

Antonia Rodriguez, Lindenwold, NJ
Order #17-52776-04, March 19, 2018
Respondent, Antonia Rodriguez, did knowingly provide materially false information when signing a Statement of No Loss on February 1, 2017 for Progressive Garden State Insurance Company, by indicating that no damage or theft occurred to any vehicle listed on her policy during the lapse period, when in fact, damage had occurred to her vehicle on January 31, 2017.  A named insured then filed a claim against the policy.
Civil Penalty: $3,500

Mark Raab, DMD, Ocean City, NJ
Order #17-52878-44, March 26, 2018
Respondent, Mark Raab, DMD, submitted various claims to Delta Dental Insurance Company and Horizon Blue Cross Blue Shield for x-rays that were rendered on two separate days, when the x-rays were only performed one day.
Civil Penalty: $3,500

Dr. James Keck, Absecon, NJ
Order #17-53209-44, March 15, 2018
Respondent, Dr. James Keck, did knowingly provide false and misleading information to Delta Dental of New Jersey by misrepresenting the treatment dates of x-ray submissions to obtain a greater reimbursement he was not entitled to.
Civil Penalty: $1,500

Alejandra Montan, Lodi, NJ
Order #15-54492-04, March 26, 2018
Respondent, Alejandra Montan, knowingly made false and misleading statements to Progressive Garden State Insurance Company.  Specifically, Ms. Montan stated during a First Notice of Loss that she was involved in a motor vehicle accident on January 27, 2015, when in fact, the accident occurred on January 20, 2015 at 1:10 PM prior to adding the vehicle to the policy on January 20, 2015 at 2:35 PM.  Also Ms. Montan identified herself as the named insured during multiple recorded telephone calls and later admitted to this.
Civil Penalty: $1,500

Katina Leake, Newark, NJ
Order #16-53815-04, March 22, 2018
Respondent, Katina Leake, knowingly submitted a false and misleading statement to Progressive Insurance Company on June 3, 2016.  Specifically, respondent submitted a claim that her vehicle was involved in a motor vehicle accident on June 3, 2016, when, in fact, the accident had occurred on May 14, 2016.
Civil Penalty: $1,000

Fawzan Lari, Pennsauken, NJ
Order #17-51045-04, March 28, 2018
Respondent, Fawzan Lari, knowingly provided false and misleading information to Progressive Insurance Company on January 17, 2017 while reinstating his auto policy.  Fawzan Lari failed to disclose he was in fact involved in a motor vehicle accident prior to making a Statement of No Loss to reinstate.
Civil Penalty: $2,500

Allan A. Altamirano, Jr., Princeton, NJ
Order #17-53786-04, March 5, 2018
Respondent, Allan A. Altamirano, Jr., knowingly provided false and misleading information to Progressive Insurance Company on August 26, 2017, when reinstating his policy, on this date.
Civil Penalty: $2,500

 
February

Louis Papale, Summit, NJ
Order #12-52442-04, February 8, 2018
Respondent, Louis Papale, knowingly submitted a false and misleading statement to Utica National Insurance Company on May 23, 2012, by submitting a claim misrepresenting that his 2010 Lexus LS460 had been burglarized and the bezel around the navigation system had been damaged.  Specifically, Louis Papale failed to disclose he had purchased the vehicle with the pre-existing damage to the bezel area around the navigation system.
Civil Penalty: $3,000

Shawnta Gregory, Trenton, NJ
Order #16-53824-35, February 1, 2018
Respondent, Shawnta Gregory, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by failing to disclose a licensed (suspended) household resident and operator on her application for automobile insurance dated October 3, 2013, and a renewal questionnaire application dated August 28, 2014.
Civil Penalty: $1,500

Faiz Rehman, Manalapan, NJ
Order #16-55492-35, February 6, 2018
Respondent, Faiz Rehman, knowingly failed to disclose licensed household resident relatives on his application for automobile insurance with Progressive Insurance Company dated November 30, 2015.
Civil Penalty: $1,500

Geury Mercado, New Brunswick, NJ
Order #17-52504-04, February 20, 2018
Respondent, Geury Mercado, provided false and misleading information to Progressive Insurance Company when he reported a claim for damage to his vehicle.  Specifically, Geury Mercado misrepresented the circumstances under which his car became damaged, and misrepresented the location from which his car was towed.
Civil Penalty: $2,500

Carlos Menoscal, Sr., Wood Ridge, NJ
Order #13-51103-05, February 20, 2018
Respondent, Carlos Menoscal, Sr., knowingly conspired with other individuals to provide false and misleading statements to Progressive Insurance and Indiana Insurance/Liberty Mutual, regarding the true occupants and driver of a vehicle that was involved in a motor vehicle accident on September 10, 2012.  Specifically, in a recorded statement to Progressive Insurance dated September 11, 2012, he stated that several individuals were passengers in his automobile, when in fact they were not.  Additionally, he provided false information regarding the driver of the vehicle at the time of the accident.
Civil Penalty: $5,000

Carlos Menoscal, Jr., North Bergen, NJ
Order #13-51103-05, February 20, 2018
Respondent, Carlos Menoscal, Jr., knowingly conspired with other individuals to provide false and misleading statements to Progressive Insurance and Indiana/Liberty Mutual Insurance regarding the true occupants and driver of a vehicle that was involved in a motor vehicle accident on September 10, 2012.  Specifically, in a recorded statement to Progressive Insurance, he stated that he was a passenger in a vehicle that was involved in a motor vehicle accident on September 10, 2012, when in fact he was not.  Additionally, Carlos Menoscal, Jr., also provided false information regarding the driver of the vehicle at the time of the accident.
Civil Penalty: $5,000

Younes and Safnaz Abuali, Cliffside Park, NJ
Order #16-51499-03, February 1, 2018
Respondents, Younes and Safnaz Abuali, knowingly provided false and misleading statements on a stolen vehicle claim to Progressive Insurance Company dated September 5, 2015.  Specifically, both respondents reported that their vehicle was stolen in Edgewater, NJ, when in fact it was not.
Civil Penalty: $5,000

Jemima Merilan, Linden, NJ
Order #17-53995-04, February 20, 2018
Respondent, Jemima Merilan, knowingly provided false and misleading information to Progressive Insurance Company on a motorcycle insurance policy.  Specifically, she added collision and comprehensive coverage to the motorcycle policy on August 26, 2017, and reported the date of loss as September 4, 2017, when in fact the loss occurred on August 20, 2017.
Civil Penalty: $1,500

Ryan J. Maloney, Cape May Court House, NJ
Order #16-51084-03, February 20, 2018
Respondent, Ryan J. Maloney, knowingly made material misrepresentations to Allstate Insurance Company on October 15, 2015 and on November 12, 2015, in support of an auto theft claim, when in fact, he knew the vehicle had not been stolen.
Civil Penalty: $3,500

Tracey Martin, Egg Harbor Twp., NJ
Order #16-54844-35, February 27, 2018
Respondent, Tracey Martin, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated April 11, 2016, by knowingly failing to disclose another individual as an operator of the policy vehicle, as well as failing to disclose the co-owner of the policy vehicle.
Civil Penalty: $1,500

Jeremy Lange, Penns Grove, NJ
Order #16-55533-04, February 2, 2018
Respondent, Jeremy Lange, did knowingly provide materially false statements to Progressive Garden State Insurance Company on October 7, 2016, by claiming he was involved in a loss on October 6, 2016.  The loss actually occurred on October 3, 2016, prior to the policy inception.
Civil Penalty: $3,500

Amy B. Shelden, Mount Laurel, NJ
Order #17-50852-04, February 22, 2018
Respondent, Amy B. Shelden, did knowingly provide a materially false Statement of No Loss to Progressive Garden State Insurance Company on February 26, 2017, at 1:20 p.m., by indicating that she did not have a loss during the lapse period, when in fact, she was involved with a crash.  She then called Progressive Garden State Insurance Company to report the claim and misrepresented the time of loss.
Civil Penalty: $2,500

 
January

Julie M. Elessawi, Jackson, NJ
Order # 14-53961-41, January 24, 2018
Respondent, Julie M. Elessawi, did knowingly provide false information to Delta Dental and Horizon Blue Cross/Blue Shield of New Jersey by billing for services not rendered between 2011-2013.
Civil Penalty: $3,500

Patricia M. Sammon, Toms Rivers, NJ
Order #15-50710-33, January 19, 2018
Respondent, Patricia M. Sammon, did knowingly obtain, deposit and cash nine permanency checks issued to her son by New Jersey Manufacturers Insurance Company between April and November 2012, totaling $16,020.00, to which she was not entitled.
Civil Penalty: $1,500

Sarah Kelly, Brooklyn, NY
Order #17-51711-31, January 19, 2018
Respondent, Sarah Kelly, did knowingly provide materially false information on an initial application with Progressive Garden State Insurance Company on December 2, 2016, by falsely claiming she resided in Linwood, New Jersey, when in fact, she resided in Brooklyn, NY.
Civil Penalty: $2,500

Joann Sobulusky-Dolson, Vineland, NJ
Order #17-52110-04, January 24, 2018
Respondent, Joann Sobulusky-Dolson, provided materially false statements during a Statement of No Loss to New Jersey Manufacturers Insurance Company on March 10, 2017 at 4:36 pm by indicating that no theft or damage had occurred to any vehicle listed on the policy during the lapse period of March 3, 2017 to March 10, 2017, when in fact, damage had occurred to her vehicle on March 10, 2017 at 4:33 pm.  Respondent then attempted to have the damage claim covered.
Civil Penalty: $3,000

Kwasheta Reed, Paterson, NJ
Order #13-53525-12, January 18, 2018
Respondent, Kwasheta Reed, knowingly provided false and misleading information to Assurant Insurance Company on a Homeowner's Insurance claim dated April 29, 2013 and in a recorded statement on July 31, 2013.  Specifically, Ms. Reed stated that an Apple iPad 2 had been stolen from her vehicle on April 27, 2013, when in fact, the item was still in her possession after the loss date.  Ms. Reed also submitted an altered Staples receipt on May 24, 2013, in support of the theft claim, for the reported purchased electronic items.
Civil Penalty: $5,000

Jesse Spector, South Orange, NJ
Order #15-51428-03, January 10, 2018
Respondent, Jesse Spector, knowingly provided false and misleading statement(s) on an Auto Theft Claim with Progressive Insurance Company, specifically, by stating that his vehicle was stolen on December 26, 2014, when in fact the vehicle was stolen on December 22, 2014, before the addition of Comprehensive Coverage on this vehicle.
Civil Penalty: $2,000

Vincenzo Carbone, Secaucus, NJ
Order #15-52795-35, January 8, 2018
Respondent, Vincenzo Carbone, knowingly provided false and misleading statements on an Auto Property Claim with Progressive Insurance Company dated June 29, 2015, specifically, by stating that his vehicle was damaged on that same date of loss, when in fact, it was damaged on June 27, 2015, before Comprehensive or Collision Coverage were in effect.
Civil Penalty: $1,500

Abdelhamid S. Ziadeh, Passaic, NJ
Order #15-54111-35, January 8, 2018
Respondent, Abdelhamid S. Ziadeh, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance application, dated June 17, 2015, by failing to disclose a licensed resident who had permissive use of a policy vehicle.
Civil Penalty: $1,500

Donald Bauman, Boonton, NJ
Order #16-53347-26, January 8, 2018
Respondent, Donald Bauman, knowingly provided false and misleading information to Allstate Insurance Company while pursuing an Auto Property Damage Claim.  Specifically, he submitted a fraudulent towing invoice dated December 4, 2015.
Civil Penalty: $1,250

Dong Kim, Palisades Park, NJ
Order #17-53046-04, January 25, 2018
Respondent, Dong Kim, knowingly provided false and misleading information to Farmers Insurance Company on July 6, 2017.  Specifically, while applying for an automobile policy that afternoon, he failed to report a motor vehicle accident that occurred at 10:58 AM that same date.
Civil Penalty: $1,500

 
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