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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > 2021
2021 Executed Consent Orders
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December

Halil Cinar, Bordentown, NJ
Order #18-54010-38, December 1, 2021
Respondent, Halil Cinar, did knowingly provide materially false information to the Progressive Group of Insurance Companies on a commercial automobile application dated January 6, 2018 and subsequently by failing to disclose himself as a driver of the policy vehicle.
Civil Penalty: $1,500

Nigerian Dunlap, Linden, NJ
Order #21-52443-04, December 1, 2021
Respondent, Nigerian Dunlap, did knowingly provide materially false and misleading information to Progressive Insurance Company on July 8, 2021 and July 14, 2021 by reporting that a loss occurred to his policy vehicle, a 2021 Lexus ES 350, on July 6, 2021 when, in fact, the loss occurred prior to the addition of glass coverage on July 1, 2021.
Civil Penalty: $2,500

Susan Ferrara, Wayne, NJ
Order #20-53752-35, December 1, 2021
Respondent, Susan Ferrara, knowingly provided false and misleading information on an application for automobile insurance with Farmers Insurance Company dated November 19, 2016, by failing to disclose licensed drivers and household residents.
Civil Penalty: $1,500

David Hayman, Pittsgrove, NJ
Order #21-53138-35, December 1, 2021
Respondent, David Hayman, did knowingly make material misrepresentations to New Jersey  Manufacturers Insurance Company, in a recorded statement on January 25, 2021, by failing to disclose another individual as a household resident and driver of the vehicles on his automobile insurance policy.
Civil Penalty: $1,500

Gina Wright, Yonkers, NY
Order #21-50104-31, December 1, 2021
Respondent, Gina Wright, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated August 22, 2020.  Specifically, Ms. Wright stated her residence was in Teaneck, NJ, when, in fact, she resided in Yonkers, NY, since February 2020.
Civil Penalty: $2,500.00

Quintin Owens, Westville, NJ
Order #21-52686-04, December 6, 2021
Respondent, Quintin Owens, did knowingly provide materially false information to Progressive Garden State Insurance Company on July 28, 2021 in the first notice of loss and in subsequent recordings by reporting an incorrect date of loss for his automobile claim, knowing the loss occurred prior to lowering the deductible.
Civil Penalty: $2,000

Johnny A. Lorenzo, Vineland, NJ
Order #21-51020-35, December 6, 2021
Respondent, Johnny A. Lorenzo, did knowingly make materially false statements to Progressive Garden State Insurance Company on March 12, 2021 in support of his automobile claim, by indicating the loss occurred after he lowered his comprehensive and collision deductibles on his automobile policy when, in fact, the damage occurred prior to the deductibles being lowered.
Civil Penalty: $2,000

Dashana Trent, Sicklerville, NJ
Order #21-52549-35, December 6, 2021
Respondent, Dashana Trent, did knowingly provide materially false information to CURE Auto Insurance Company on June 9, 2021 and June 16, 2021, by indicating that her automobile accident occurred on June 2, 2021 after she had reinstated her automobile insurance policy with CURE when, in fact, it had occurred prior.
Civil Penalty: $2,500

Dwight Atkinson, Clifton, NJ
Order #19-54113-31, December 16, 2021
Respondent, Dwight Atkinson, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto policy application dated February 20, 2019.  Specifically, Mr. Atkinson provided a New Jersey address when, in fact, he was primarily operating his vehicle in New York.
Civil Penalty: $2,500

Peter F. Ciaravino, Jr., Tinton Falls, NJ
Order #21-52041-10, December 16, 2021
Respondent, Peter F. Ciaravino, Jr., did knowingly provide materially false and misleading information to the American Bankers Insurance Company of Florida (Assurant Group) on June 9, 2021, by stating that a loss occurred at his policy address on June 9, 2021 when, in fact, the loss occurred prior to the policy inception on June 8, 2021.
Civil Penalty: $2,500

Parminder Dhami, dba, Solution Group Transportation, Belleville, NJ
Order #17-51816-38, December 16, 2021
Respondent, Parminder Dhami, dba, Solution Group Transportation, knowingly supplied false and misleading information to Progressive Insurance Company on a business auto insurance policy dated February 23, 2016.  Specifically, Ms. Dhami, dba, Solution Group Transportation, listed the company location, including the garaging, to be in Allentown, PA when, in fact, the company and the trucks and trailers were located and garaged in New Jersey.
Civil Penalty: $3,500

Danielle J. Gallon, Williamstown, NJ
Order #21-51235-10, December 16, 2021
Respondent, Danielle J. Gallon, did knowingly provide materially false information to the American Bankers Insurance Company of Florida (Assurant Group) on March 31, 2021, by submitting a water damage claim and providing a false date of loss after she initiated a new policy, knowing that the loss actually occurred prior to the policy inception.
Civil Penalty: $2,500

Andres Garcia, Montclair, NJ
Order #19-53253-04, December 16, 2021
Respondent, Andres Garcia, knowingly made false and misleading statements to Metromile Insurance Company following a motor vehicle accident that occurred on February 12, 2019.  Specifically, Mr. Garcia stated that he was driving his insured 2012 Mazda at the time of loss when, in fact, he was driving his uninsured 2000 Jeep.
Civil Penalty: $3,000

Kelamanga Sukumar, North Bergen, NJ
Order #19-50473-04, December 16, 2021
Respondent, Kelamanga Sukumar, while conspiring with another, knowingly provided false and misleading information to Athens Insurance Group in support of an automobile property damage claim.  Specifically, Mr. Sukumar reported that on June 28, 2016, he was operating the insured vehicle when a motor vehicle accident occurred when, in fact, another driver was the sole operator and occupant of the insured vehicle.
Civil Penalty: $3,000

Nikolai Iasenik, Weehawken, NJ
Order #20-50947-31, December 21, 2021
Respondent, Nikolai Iasenik, did knowingly provide materially false information to Progressive Insurance Company on an automobile insurance policy application dated October 25, 2019.  Specifically, Mr. lasenik failed to disclose the true garaging location and the primary operator of an insured policy vehicle.
Civil Penalty: $2,500

Samuel R. Lacroix, Plainfield, NJ
Order #21-52575-04, December 21, 2021
Respondent, Samuel R. Lacroix, knowingly provided false material facts in a first notice of loss phone call on July 25, 2021 and again on July 27, 2021 during a recorded statement to Progressive Insurance Company by falsely claiming flood damage to his Maxima occurred on July 24, 2021, prior to comprehensive coverage being added, when the flood damage occurred July 17, 2021.
Civil Penalty: $2,500

Joseph Mulrine, Hamilton, NJ
Order #21-53349-35, December 21, 2021
Respondent, Joseph Mulrine, did knowingly submit false information to Progressive Garden State Insurance Company on an initial claim report on October 5, 2021 by reporting he had an accident in his policy vehicle on October 2, 2021, after he obtained an automobile insurance policy, knowing the loss occurred prior to the inception of the policy dated September 28, 2021.
Civil Penalty: $2,500

Emmanuel Obanye
Order #19-50344-04, December 1, 2021
Respondent, Emmanuel Obanye, knowingly provided false and misleading information to Plymouth Rock Management Company on November 23, 2018 in pursuit of an automobile property damage claim. Specifically, Mr. Obanye reported that he was involved in an accident on November 22, 2018 at 11 p.m. when, in fact, the accident occurred on the previous day prior to the policy inception.
Civil Penalty: $3,500

 
November

Alexis Robinson, Sicklerville, NJ
Order #21-52274-04, November 9, 2021
Respondent, Alexis Robinson, did knowingly make material misrepresentations to Progressive Group of Insurance Companies when she filed a claim for damage to a policy vehicle that she reported occurred on June 4, 2021 when, in fact, the loss occurred prior to her deductibles being lowered on May 29, 2021.
Civil Penalty: $2,500

Shawn C. Spellman-Wynn, Pleasantville, NJ
Order #20-54656-35, November 8, 2021
Respondent, Shawn C. Spellman-Wynn, did knowingly provide materially false information on a renewal application questionnaire to CURE Auto Insurance Company on May 5, 2020, and on subsequent dates, by failing to disclose an additional regular operator of the insured vehicle.
Civil Penalty: $1,500

Lance Brooks, Jr., Toms River, NJ
Order #20-54505-04, November 18, 2021
Respondent, Lance Brooks, Jr., did knowingly provide false information to Progressive Group of Insurance Companies on the first notice of loss dated November 30, 2020 and a subsequent recording by reporting an incorrect date of loss, knowing the loss occurred prior to the inception of his automobile policy.
Civil Penalty: $3,500

Julia N. Richardson, Hollis, NY
Order #19-53711-31, November 18, 2021
Respondent, Julia N. Richardson, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for insurance on June 30, 2019, by indicating the policy address and garaging location of the insured vehicle was in Salem, NJ, when in fact, the vehicle was garaged in New York.
Civil Penalty: $1,500

Louis Williams, Jamaica, NY
Order #20-54329-31, November 9, 2021
Respondent, Louis Williams, knowingly provided false and misleading information to Progressive Group of Insurance Companies on an auto application dated May 15, 2020. Specifically, Mr. Williams provided a New Jersey address, when in fact, his primary residence and his insured vehicle was garaged in New York.
Civil Penalty: $2,500

Tricia Culpepper, Sussex, NJ
Order #21-50976-04, November 9, 2021
Respondent, Tricia Culpepper, knowingly made false and misleading statements to Progressive Insurance Company on February 2, 2021 when reinstating her automobile insurance policy during a statement of no loss. Specifically, Ms. Culpepper indicated that she, a household member, and her insured vehicle had not been involved in any accidents or losses between January 30, 2021 and February 2, 2021, when in fact this was not true.
Civil Penalty: $2,500

Lashawn Gray, Brooklyn, NY
Order #20-51966-31, November 9, 2021
Respondent, Lashawn Gray, knowingly presented false and misleading information on an application for auto insurance, dated December 30, 2019, to Progressive Insurance Company.  Specifically, Ms. Gray listed her primary residence in Hackensack, NJ, when in fact she resided in New York.
Civil Penalty: $2,500

Sabrina R. Bellanton, Prospect Park, NJ
Order #20-53719-35, November 18, 2021
Respondent, Sabrina R. Bellanton, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on her automobile policy. Specifically, Ms. Bellanton failed to disclose an additional licensed household driver on her insurance renewal policy declarations and coverage selection forms dated November 4, 2019, March 9, 2020, and March 31, 2020.
Civil Penalty: $1,500

Cristina Caminero, Rahway, NJ
Order #21-51301-35, November 23, 2021
Respondent, Cristina Caminero, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company on her automobile insurance application on August 5, 2019 by failing to disclose a licensed household member.
Civil Penalty: $1,500

 
October

Rami Aboushadi, Oakland, NJ
Order #20-51026-04, October 7, 2021
Respondent, Rami Aboushadi, knowingly provided false and misleading statements in support of an auto property damage claim with Progressive Insurance Company.  Specifically, Mr. Aboushadi pursued a claim stating that a policy vehicle was involved in an accident on February 20, 2020, at 3:00 PM, when in fact, the accident occurred earlier that day when there was no insurance coverage in effect.
Civil Penalty: $3,500

Erick Carrera, Clifton, NJ
Order #20-51436-04, October 7, 2021
Respondent, Erick Carrera, knowingly provided false and misleading statements to the Progressive Group of Insurance Companies when pursuing an auto theft claim.  Specifically, Mr. Carrera stated that his insured 2011 Mercedes was stolen on March 19, 2020, when in fact, the vehicle was stolen on or about March 6, 2020, prior to the policy inception.
Civil Penalty: $3,500

William J. Glenn, Waterbury, CT
Order #20-52274-35, October 7, 2021
Respondent, William J. Glenn, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated February 21, 2020. Specifically, Mr. Glenn stated that he was the registered owner of two policy vehicles, when in fact, he was not.
Civil Penalty: $1,500

Papa Gueye, Arverne, NY
Order #21-50061-31, October 7, 2021
Respondent, Papa Gueye, knowingly provided false and misleading information to Progressive Insurance Company on an application for automobile insurance dated December 4, 2019. Specifically, Mr. Gueye indicated that he resided and garaged his insured vehicles in Washington, NJ, when in fact he resided and garaged his insured vehicles in Arverne, NY.
Civil Penalty: $2,500

Laura Lardieri, Nutley, NJ
Order #19-52955-35, October 7, 2021
Respondent, Laura Lardieri, knowingly provided false and misleading information on a March 15, 2013 motor vehicle policy renewal questionnaire, as well as on all subsequent renewals, to New Jersey Manufacturers Insurance Company. Specifically, Ms. Lardieri failed to disclose her daughter as a driver/operator of her insured vehicle.
Civil Penalty: $1,500 

Jasmine Vargas, Jersey City, NJ
Order #20-53353-31, October 7, 2021
Respondent, Jasmine Vargas, did knowingly provide materially false and misleading statements on an auto application dated January 27, 2020 to Progressive Insurance Company. Specifically, Ms. Vargas stated that she lived in Jersey City, NJ, when in fact she primarily resided and garaged her vehicle in the Bronx, NY.
Civil Penalty: $2,500

William E. Gowdy, Atlantic City, NJ
Order #21-51665-35, October 7, 2021
Respondent, William E. Gowdy, did knowingly provide materially false information to CURE Auto Insurance Company on April 30, 2018, when he added a vehicle to his existing automobile policy. Specifically, he failed to disclose an additional operator and the actual garaging location of the insured vehicle.
Civil Penalty: $1,500

Kyderra Harrington, Trenton, NJ
Order #20-54443-35, October 7, 2021
Respondent, Kyderra Harrington, did knowingly provide a materially false statement to CURE Insurance Company on September 23, 2020 and in subsequent conversations when she submitted an automobile property damage claim purporting that the loss occurred on September 23, 2020, when in fact the loss occurred on September 21, 2020 which is prior to the reinstatement date of her lapsed policy.
Civil Penalty: $3,500

Shajuan D. Clark, Westville, NJ
Order #19-54909-10, October 21, 2021
Respondent, Shajuan D. Clark, did knowingly provide materially false and misleading information to Farmers of Salem Insurance Company on September 11, 2019 during the presentation of a homeowner’s insurance claim by providing a false cause and date of loss.
Civil Penalty: $2,500

Nia Woody-Young, East Orange, NJ
Order #21-51158-41, October 28, 2021
Respondent, Nia Woody-Young, provided false and misleading information to Trustmark Insurance Company on a disability claim dated October 9, 2020.  Specifically, Nia Woody-Young misrepresented the date her symptoms began, and submitted false medical documentation in support of her claim.
Civil Penalty: $1,500

 
September

Luis Delacruz-Martinez, Perth Amboy, NJ
Order #19-52867-38, September 7, 2021
Respondent, Luis Delacruz-Martinez, knowingly provided materially false and misleading information to Drive New Jersey (Progressive) Insurance Company on his application for commercial automobile insurance dated January 2, 2019 when he failed to disclose himself as a licensed regular operator.
Civil Penalty: $1,500

Michael E. Villanueva-Solano, Spring Valley, NY
Order #20-51605-35, September 9, 2021
Respondent, Michael E. Villanueva-Solano, knowingly provided materially false and misleading information to Progressive Insurance Company on his application for automobile insurance dated February 5, 2020 when he stated that he was residing in the State of New Jersey when, in fact, he was residing in the State of New York.
Civil Penalty: $2,500

Emmanise Dessin, Orange, NJ
Order #21-50799-35, September 9, 2021
Respondent, Emmanise Dessin, knowingly provided false and misleading information to Progressive Insurance Company, on February 17, 2021, at 7:00 a.m. when she reported a motor vehicle accident as having occurred on February 17, 2021 at 6:30 a.m. when, in fact, the accident occurred on February 1, 2021, prior to the policy inception.
Civil Penalty: $2,500

Sandip Dangi, East Orange, NJ
Order #20-54502-35, September 22, 2021
Respondent, Sandip Dangi, knowingly provided false information to GEICO Insurance on December 3, 2020 at 2:34 p.m. when he lowered his deductible from $1,000 to $200 and again on December 7, 2020 at 11:06 a.m. when a First Notice of Loss was filed for his 2019 Toyota Rav4, indicating the loss took place on December 7, 2020 at 9:30 a.m. when, in fact, the loss took place on December 2, 2020, prior to lowering his deductible.
Civil Penalty: $2,000

Taneja Williams, Newark, NJ
Order #20-51257-04, September 22, 2021
Respondent, Taneja Williams, did knowingly provide materially false information to GEICO Insurance Company on March 24, 2020 by indicating a loss had occurred on March 18, 2020, when in fact, the damages were on the vehicle prior to policy inception on January 13, 2020.
Civil Penalty: $2,500

Abdulkadir Sesli, Voorhees, NJ
Order #21-50610-31, September 9, 2021
Respondent, Abdulkadir Sesli, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated July 20, 2020. Specially, Mr. Sesli listed that he resided and garaged the insured vehicle at a New Jersey policy address; when in fact, he was a resident of New York and garaged the vehicle out of state.
Civil Penalty: $2,500

Keneka R. Harmon, Paterson, NJ
Order #19-50826-04, September 23, 2021
Respondent, Keneka R. Harmon, knowingly provided false and misleading information to 21st Century Centennial Insurance Company in pursuit of an uninsured motorist property damage claim, dated January 31, 2019. Specifically, having no collision coverage, Ms. Harmon stated that her policy vehicle was hit overnight while parked and unoccupied, when in fact, it has been determined that the vehicle was traveling at least eighteen (18) miles per hour (mph) at impact.
Civil Penalty: $3,500

Jaykumar Sheladiya, Jersey City, NJ
Order #21-51416-04, September 23, 2021
Respondent, Jaykumar Sheladiya, knowingly provided false and misleading statements when pursuing an auto property damage claim with the Progressive Group of Insurance Companies.  Specifically, Mr. Sheladiya stated the damage to his vehicle occurred on April 2, 2021, when in fact, the damage occurred on or before March 15, 2021, which was prior to him significantly lowering his comprehensive deductible.
Civil Penalty: $2,000

Alfred Macdonald, Rockaway Park, NY
Order #20-54282-31, September 23, 2021
Respondent, Alfred Macdonald, knowingly concealed relevant information from CURE Insurance Company on a policy renewal declaration dated March 20, 2020 to September 20, 2020. Specifically, Mr. Macdonald failed to disclose that he was no longer residing and garaging his vehicle in Ringwood, NJ, but was in fact residing and garaging his vehicle in Rockaway Park, NY.
Civil Penalty: $2,500

Ketevani Gogoladze, Brooklyn, NY
Order #20-53362-31, September 23, 2021
Respondent, Ketevani Gogoladze, knowingly made false and misleading statements on an application for automobile insurance with Progressive Insurance Company dated October 9, 2019. Specifically, Ms. Gogoladze indicated that she resided and garaged her vehicle in New Jersey, when in fact she resided and garaged her vehicle in New York. Additionally, Ms. Gogoladze failed to disclose an additional operator of the vehicle.
Civil Penalty: $2,000

Modh Nassim, Palisades Park, NJ
Order #19-53599-35, September 23, 2021
Respondent, Modh Nassim, knowingly provided false and misleading statements on an application for automobile insurance with Geico Insurance Company dated March 29, 2019. Specifically, Mr. Nassim failed to disclose all household residents and drivers, as well as the garaging locations of all policy vehicles.
Civil Penalty: $2,500  

Genesis Henriquez, Ewing, NJ
Order #21-51609-35, September 22, 2021
Respondent, Genesis Henriquez, did knowingly provide materially false information to CURE Auto Insurance Company on February 24, 2015 and on a subsequent date by failing to disclose that another individual was the primary operator of the 2003 Honda Accord, and that the vehicle would be garaged at a location other than the policy address.
Civil Penalty: $2,500

Sherrina Dimanche, Hamilton, NJ
Order #20-54330-04, September 23, 2021
Respondent, Sherrina Dimanche, did knowingly provide materially false information to Progressive Group of Insurance Companies on the First Notice of Loss dated November 23, 2020 and in subsequent recordings by reporting an incorrect date of loss for her automobile claim, knowing the loss occurred prior to the inception of her automobile policy.
Civil Penalty: $2,500

Randolph N. Holland, Willingboro, NJ
Order #21-51281-04, September 23, 2021
Respondent, Randolph N. Holland, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 12, 2021, by providing a false date of loss relative to an automobile glass claim after initiating a previous claim and amending the policy to include a lower glass deductible.
Civil Penalty: $1,500

Shadaja L. Henderson, Forked River, NJ
Order #20-53854-04, September 23, 2021
Respondent, Shadaja L. Henderson, did knowingly make materially false statements to Progressive Direct Auto Insurance Company on October 5, 2020, and on subsequent dates in support of her automobile insurance claim. Specifically, Henderson stated that damage to her vehicle occurred on October 4, 2020, when in fact the damage was already present prior to the policy inception date of September 29, 2020.
Civil Penalty: $2,500

 
August

Jorge Su, Carteret, NJ
Order #19-53919-10, August 5, 2021
Respondent, Jorge Su, did knowingly provide materially false and misleading information to Assurant Insurance Company on September 16, 2019 when submitting a claim for a property loss that occurred on September 15, 2019 when, in fact, the loss occurred during a lapse in coverage between August 1, 2019 and September 12, 2019.
Civil Penalty: $3,500

Victoria Huertas, Woodbridge, NJ
Order #20-54138-04, August 5, 2021
Respondent, Victoria Huertas, did knowingly provide materially false and misleading information to GEICO Insurance Company on October 27, 2020, by stating that a loss occurred to her policy vehicle on October 26, 2020 at 11 p.m. when, in fact, it occurred on October 26, 2020 at 6:46 p.m., before the policy inception.
Civil Penalty: $2,500

Laura Scala, Howell, NJ
Order #19-54739-10, August 5, 2021
Respondent, Laura Scala, knowingly provided materially false and misleading information to Farmers Insurance Company when she submitted fraudulent invoices in support of a homeowner’s property damage claim on October 7, 2019 and October 8, 2019, for a July 22, 2019 loss.
Civil Penalty: $3,500

Christopher Mitchell, Newark, NJ
Order #18-54213-04, August 12, 2021
Respondent, Christopher Mitchell, did knowingly provide materially false and misleading information to Progressive Insurance Company relative to his auto property damage claim by stating that his insured vehicle was involved in an automobile accident on August 18, 2018 at 3:05 p.m. when, in fact, said automobile accident occurred on August 18, 2018 at 2:14 p.m., prior to his adding collision coverage to his automobile insurance policy on August 18, 2018 at 3:01 p.m.
Civil Penalty: $2,000

Caroline Duruifeako, Union, NJ
Order #20-54476-35, August 19, 2021
Respondent, Caroline Duruifeako, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company on June 4, 2019 when applying for an auto policy and again on September 4, 2020. Specifically, Ms. Duruifeako failed to disclose an additional licensed driver and household resident.
Civil Penalty: $1,500

Joshua Rodriguez, Brooklyn, NY
Order #20-54393-31, August 30, 2021
Respondent, Joshua Rodriguez, did knowingly provide materially false and misleading information to Progressive Insurance Company on August 14, 2020 and November 18, 2020, by misrepresenting his primary home address in New Jersey when, in fact, he resided in Brooklyn, NY.
Civil Penalty: $2,500

Eric Engel, Morganville, NJ
Order #20-54754-47, August 30, 2021
Respondent, Eric Engel, did knowingly provide materially false and misleading information to the American Pet Insurance Company on November 10, 2020, by submitting a fraudulent invoice.
Civil Penalty: $2,000

Isabella Almanzar, Brooklyn, NY
Order #20-51150-31, August 5, 2021
Respondent, Isabella Almanzar, did knowingly provide materially false information to Progressive Group of Insurance Companies on the application dated November 17, 2019 and a recorded statement dated February 11, 2020 b y falsely claiming that she resided in New Jersey, when in fact, she resided in New York.
Civil Penalty: $3,500

Ebonique S. Bell, Westville, NJ
Order #20-53867-04, August 19, 2021
Respondent, Ebonique S. Bell, did knowingly provide materially false information to Progressive Garden State Insurance Company on September 26, 2020, by initiating a claim for a motor vehicle accident and stating that it occurred after she obtained her automobile policy, when in fact, she knew that the accident occurred prior to the inception of her policy.
Civil Penalty: $2,500

Shante K. Mahoney, Atlantic City, NJ
Order #20-54580-35, August 19, 2021
Respondent, Shante K. Mahoney, did knowingly make materially false statements to CURE Insurance Company on her automobile insurance application dated August 22, 2018, and on subsequent dates, by failing to disclose her true residence and garaging location of the policy vehicle, and that another individual was a resident and operator of the vehicle.
Civil Penalty: $2,500

Zakiyya George, Galloway, NJ
Order #21-51685-04, August 19, 2021
Respondent, Zakiyya George, did knowingly provide materially false information to the Progressive Group of Insurance Companies on May 10, 2021 in support of an automobile claim by stating that she took out her automobile policy before she was involved in an accident on May 4, 2021, knowing that the accident occurred prior to the policy inception.
Civil Penalty: $2,000 

Alexander Candelario, Pennsauken, NJ
Order #20-52647-34, August 30, 2021
Respondent, Alexander Candelario, did knowingly provide materially false information to the Progressive Group of Insurance Companies during his application for personal watercraft insurance on June 8, 2020 claiming no pre-existing damage to his 2020 SeaDoo, when in fact, the watercraft had been damaged earlier in the day. Respondent then filed a claim for damage to his 2020 SeaDoo and reported that the damage happened on June 13, 2020, knowing that it happened prior to the policy inception.
Civil Penalty: $2,500

Feng Liu, Short Hills, NJ
Order #21-50117-09, August 19, 2021
Respondent, Feng Liu, knowingly provided false and misleading information to Progressive Insurance Company on an auto policy application dated June 5, 2019 by not listing all regular operators; and Respondent, Feng Liu, knowingly provided a materially false statement on a June 5, 2019 auto application as well as on policy declarations dated December 27, 2019 and October 5, 2020 to the Progressive Insurance Company.  Specifically, Mr. Liu knowingly failed to disclose that the insured vehicle was garaged in New York instead of New Jersey; and Respondent, Feng Liu, knowing concealed relevant information from Progressive Insurance Company while pursuing an auto property damage claim dated October 23, 2020. Specifically, Mr. Liu's private passenger insured vehicle was being used for commercial purposes.
Civil Penalty: $5,000

Ernest Thomas Magawa, New York, NY
Order #20-53906-31, August 19, 2021
Respondent, Ernest Thomas Magawa, knowingly provided false and misleading information to Progressive Insurance Company on an application for automobile insurance, dated October 10, 2020, specifically, by indicating that he resided in New Jersey, when in fact he lives in New York.
Civil Penalty: $2,500

Sharonda Thomas, East Orange, NJ
Order #18-52344-48, August 30, 2021
Respondent, Sharonda Thomas, did knowingly provide a materially false statement to Progressive Insurance Company on an auto policy dated August 20, 2017.  Specifically, Ms. Thomas stated that her vehicles were garaged at her residence in Pennsylvania, when in fact, she principally resided and garaged her vehicles in New Jersey.
Civil Penalty: $1,500

 
July

Jashoun D. Frazier-Green, Burlington, NJ
Order # 18-55184-04, July 26, 2021
Respondent, Jashoun D. Frazier-Green, did knowingly make materially false statements on December 17, 2018 and subsequently to Garrison Property & Casualty Insurance Company in support of his automobile claim, by indicating the loss occurred after he lowered his comprehensive and collision coverage on his automobile policy, when in fact, the damage occurred prior to the deductibles being lowered.
Civil Penalty: $2,500

Dawn Langford, Burlington, NJ
Order #21-50881-24, July 26, 2021
Respondent, Dawn Langford, did knowingly make material misrepresentations to Aflac Insurance Company relative to her cancer policy by submitting 17 invalid medical claims for dates of service between January 2, 2018 and July 15, 2020.
Civil Penalty: $2,500

Laquanna Samuels, Willingboro, NJ
Order #20-51710-03, July 26, 2021
Respondent, Laquanna Samuels, did knowingly provide materially false information to Progressive Garden State Insurance Company in a recorded statement dated April 4, 2020, by claiming her vehicle was stolen, when in fact, she knew it was not.
Civil Penalty: $3,500

Phillip Howard, Hopatcong, NJ
Order #20-54133-34, July 26, 2021
Respondent, Philip Howard, made false and misleading statements on an application for marine insurance with GEICO Boats U.S. Marine Insurance Company, dated September 9, 2020. Specifically, Mr. Howard stated that he had did not have any boating or automobile claims, accidents, or losses in the last three years, when in fact, he filed a boat claim on September 1, 2020.
Civil Penalty: $1,500

Solange Vincent, Irvington, NJ
Order #20-51432-35, July 26, 2021
Respondent, Solange Vincent, knowingly provided false and misleading information to Plymouth Rock Management Company on an automobile insurance application dated April 18, 2019. Specifically, Ms. Vincent failed to disclose a licensed household member and primary operator of a policy vehicle.
Civil Penalty: $1,500

Adiel Burgos and AB77 Inc., Bloomfield, NJ
Order #19-52639-38, July 26, 2021
Respondents, Adiel Burgos and AB77 Inc., knowingly provided false and misleading information to Progressive Insurance Company on a commercial auto application dated December 15, 2017. Specifically, Mr. Burgos and AB77 Inc., failed to list a licensed operator of the policy vehicles.
Civil Penalty: $2,500

Michele Seegars, Belleville, NJ
Order #18-53619-04, July 26, 2021
Respondent, Michele Seegars, did knowingly provide false and misleading information to Progressive Insurance Company on a statement of no loss dated July 18, 2018.  Specifically, Ms. Seegars stated that she had no prior accidents, when in fact, she was involved in a crash earlier that same day.
Civil Penalty: $2,000

Princess A. Thomas, Bogota, NJ
Order #20-51116-04, July 26, 2021
Respondent, Princess A. Thomas, knowingly provided false and misleading information to Progressive Insurance Company on February 14, 2020 during a recorded statement of no loss. Specifically, Ms. Thomas stated that her policy vehicle had not been involved in any accidents between the policy cancellation period of February 13, 2020 and February 14, 2020 at 6:53 a.m.; when in fact, the policy vehicle was involved in an accident earlier that same day.
Civil Penalty: $3,000

Oscar Chang, Jersey City, NJ
Order #20-51784-03, July 26, 2021
Respondent, Oscar Chang, did knowingly present false and misleading information in pursuit of a stolen motorcycle claim with Progressive Insurance Company. Specifically, Mr. Chang stated that his vehicle was stolen on April 23, 2020 at 5:47 p.m., when in fact, the vehicle was stolen hours earlier before he added comprehensive and collision coverage at a low deductible.
Civil Penalty: $4,000

Katsushi Okuma and Sapphire Flash Inc., Palisades Park, NJ
Order #20-51692-38, July 26, 2021
Respondents, Katsushi Okuma, and Sapphire Flash Inc., knowingly provided false and misleading information on a commercial automobile insurance application with Progressive Insurance dated August 21, 2019. Specifically, Mr. Okuma and Sapphire Flash Inc. failed to disclose a regular operator of the policy vehicle.
Civil Penalty: $2,500

Chun Wei Li, Flushing, NY
Order #20-52382-31, July 26, 2021
Respondent, Chun Wei Li, knowingly provided false and misleading information on an automobile policy with the Progressive Group of Insurance Companies dated October 4, 2019. Specifically, Chun Wei Li stated that his policy address was East Newark, NJ, when in fact Mr. Li was primarily residing in New York.
Civil Penalty: $2,500

Sarah Giannella, Los Angeles, CA
Order #20-51128-35, July 29, 2021
Respondent, Sarah Giannella, knowingly concealed relevant information from New Jersey Manufacturers Insurance Company on an automobile insurance renewal questionnaire dated January 4, 2018. Specifically, Ms. Giannella failed to disclose an additional operator of the insured vehicles.
Civil Penalty: $1,500 

Evette Decker, East Orange, NJ
Order #20-53302-04, July 29, 2021
Respondent, Evette Decker, knowingly made false and misleading statements to Progressive Insurance Company in support on an auto property damage claim. Specifically, Ms. Decker stated that the accident occurred on August 9, 2020, when in fact the vehicle damage reported was the result of a prior loss.
Civil Penalty: $3,000

Clement E. Emina, Newark, NJ
Order #19-53782-35, July 29, 2021
Respondent, Clement E. Emina, conspiring with another individual, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a policy endorsement dated August 29, 2018.  Specifically, Mr. Emina stated he owned, operated, and garaged the 2011 Mercedes Benz that was added to his automobile insurance policy, when in fact, the vehicle was owned, operated, and garaged by another individual.
Civil Penalty: $1,500

Aaron Asokeji, East Orange, NJ
Order #18-53432-48, July 29, 2021
Respondent, Aaron Asokeji, knowingly presented false and misleading statements to State Farm Insurance Company on an automobile insurance application dated October 7, 2016, by not disclosing his true residence and garaging location of his insured vehicle. Specifically, Mr. Asokeji stated that he resided in Pennsylvania, when in fact he primarily resided in New Jersey.
Civil Penalty: $1,500

Nana Pomaa, Bloomfield, NJ
Order #20-50396-04, July 29, 2021
Respondent, Nana Pomaa, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company while pursuing an auto property damage claim dated August 17, 2019.  Specifically, Ms. Pomaa indicated that her vehicle, while parked, was struck by an unknown vehicle, when in fact she was involved in an at-fault loss crash, when her vehicle struck several parked cars.
Civil Penalty: $5,000

Oscar Toro, Trenton, NJ
Order #19-53186-25, July 8, 2021
Respondent, Oscar Toro, knowingly provided materially false and misleading information to National Continental Insurance Company on 63 Special Automobile Insurance Policy (SAIP) applications for automobile insurance dated between July 12, 2017 to May 9, 2021, by failing to disclose that he was a named insured on two concurrent automobile liability insurance policies.
Civil Penalty: $31,500

Valentin Luzon-Deschamps, West New York, NJ
Order #20-50713-35, July 26, 2021
Respondent, Valentin Luzon-Deschamps, knowingly provided materially false information to GEICO Insurance Company on an auto application dated February 20, 2018, as well as on subsequent policy actions dated November 23, 2019 and December 8, 2019.  Specifically, Mr. Luzon-Deschamps failed to disclose all residents and drivers as well as the true owners and garaging locations of insured vehicles.
Civil Penalty: $2,500

Nimeshkum M. Patel, Monmouth Junction, NJ
Order #21-51482-35, July 26, 2021
Respondent, Nimeshkum M. Patel, knowingly provided  false and misleading information to New Jersey Manufacturers Insurance Company on an automotive insurance policy dated April 24, 2019, by failing to list his son as a licensed household resident and again on December 14, 2019 when he added a fourth vehicle to his policy and stated there were no additional household drivers. Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $1,500

Crystal Carson, North Brunswick, NJ
Order #20-54130-04, July 26, 2021
Respondent, Crystal Carson, did knowingly provide materially false and misleading information to Progressive Insurance Company when she provided a statement of no loss on November 6, 2020. Specifically, Ms. Carson indicated that the date of loss was November 5, 2020, when, in fact, the accident took place prior to November 5, 2020.
Civil Penalty: $1,000

Bianca Collado, Jamaica, NY
Order #20-54640-31, July 26, 2021
Respondent, Bianco Collado, knowingly provided materially false and misleading information to Progressive Insurance Company on her application for automobile insurance dated November 2, 2020 when she stated that she was residing in the State of New Jersey when, in fact, she was residing in the State of New York.
Civil Penalty: $1,500

Ernest E. Nixon, Scotch Plains, NJ
Order #20-52737-31, July 29, 2021
Respondent, Ernest E. Nixon, knowingly provided false and misleading information on his automobile insurance application dated June 18, 2019 with Progressive Garden State Insurance when he stated he resided in Scotch Plains, New Jersey, and again on May 19, 2012 during a recorded telephone call when, in fact, he resides in New York.
Civil Penalty: $2,500

 
June

Raida Wilson, Brooklyn, NY
Order #20-53323-31, June 2, 2021
Respondent, Raida Wilson, knowingly provided false and misleading information to Progressive Insurance Company on an application for automobile insurance dated March 11, 2020, and subsequently, on a change of address request dated April 17, 2020.  Specifically, Raida Wilson never resided at either of the two New Jersey addresses she provided to Progressive and, in fact, she primarily resided in the State of New York.
Civil Penalty: $1,500

Jennie Lavan, Cape May Court House, NJ
Order #19-53424-24, June 9, 2021
Respondent, Jennie Lavan, knowingly presented false and misleading information to American Family Life Assurance Company (AFLAC) in support of numerous health claims from June 22, 2014 to September 25, 2017.  Specifically, Ms. Lavan pursued, received and accepted payment for eighteen (18) claims, administered by various providers, when in fact she knew these services were never provided.
Civil Penalty: $5,000

Nora Lee, New Brunswick, NJ
Order #19-54180-04, June 9, 2021
Respondent, Nora Lee, did knowingly provide materially false and misleading information to Progressive Insurance Company when she lowered her collision and comprehensive coverage deductible on her automobile insurance policy from $1,000 to $100 on October 31, 2018 at 11:15 p.m., and then submitted an auto property damage claim purporting that the loss occurred on October 31, 2018 at 11:55 p.m. when, in fact, said loss occurred prior to her lowering the deductible.
Civil Penalty: $2,000

Wildenslo Osias, Rosedale, NY
Order #21-50558-31, June 9, 2021
Respondent, Wildenslo Osias, knowingly provided materially false and misleading information to Progressive Garden State Insurance Company on his automobile application dated March 3, 2020 by indicating he resided and garaged his vehicle in New Jersey when, in fact, he resided and garaged his vehicle in New York.
Civil Penalty: $2,000

Nicole M. Scott, Deland, FL
Order #19-53075-34, June 16, 2021
Respondent, Nicole M. Scott, did knowingly conspire with another individual when supplying invoices which were billed to Genworth Insurance Company, on a long-term care policy, for attendant care services which she did not provide.
Civil Penalty: $3,500

Charles A. Lechner, Staten Island, NY
Order #19-52977-04, June 16, 2021
Respondent, Charles A. Lechner, provided materially false and misleading information to Allstate Insurance Company relative to an auto property damage claim for a July 3, 2019 loss when he attributed damage to his vehicle as a result of the July 3, 2019 loss when, in fact, said damage occurred prior to this loss.
Civil Penalty: $2,500

Edward Vasquez, Bellmawr, NJ
Order #20-53506-04, June 16, 2021
Respondent, Edward Vasquez, knowingly presented materially false and misleading information on a statement of no loss to Progressive Insurance Company on September 7, 2020. Specifically, Mr. Vasquez stated that his policy vehicle was not involved in any motor vehicle accidents from the cancellation date of August 15, 2020 to the reinstatement date of September 7, 2020 when, in fact, Mr. Vasquez and his policy vehicle were involved in a motor vehicle accident on September 6, 2020.
Civil Penalty: $1,500

Monique Frink, New Brunswick, NJ
Order #20-52562-04, June 16, 2021
Respondent, Monique Frink, knowingly provided materially false and misleading information to Progressive Insurance Company relative to an auto property damage claim when she attributed windshield damage to her vehicle as a result of a May 15, 2020 loss when, in fact, said windshield damage occurred prior to the inception of her automobile insurance policy.
Civil Penalty: $1,500

Caleb Akaho, Newark, NJ
Order #20-52198-35, June 30, 2021
Respondent, Caleb Akaho, did knowingly provide false and misleading information to Esurance Insurance Company on June 2, 2020, when he reported that a motor vehicle accident occurred on June 1, 2020 at 10:53 p.m. when, in fact, it had occurred at 9:25 p.m., prior to the policy inception.
Civil Penalty: $1,500

Jervain E. Joseph, Brooklyn, NY
Order #19-52420-31, June 30, 2021
Respondent, Jervain E. Joseph, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an application for automobile insurance dated December 1, 2018.  Specifically, Mr. Joseph represented that he resided in New Jersey when, in fact, he resided primarily in New York.
Civil Penalty: $2,500

Emam Mahmoud, Jersey City, NJ
Order #19-53126-45, June 2, 2021
Respondent, Emam Mahmoud, knowingly presented a false medical bill for reimbursement in pursuit of a travel claim with Starr Indemnity and Liability Insurance Company. Specifically, Mr. Mahmoud stated that he was admitted to a hospital on December 6, 2018, during his travels in Cairo, Egypt. Mr. Mahmoud submitted the bill for reimbursement, however, the hospital does not exist and the bill was fabricated.
Civil Penalty: $5,000

Rhaqqiyah F. Little, Newark, NJ
Order #20-51876-04, June 2, 2021
Respondent, Rhaqqiyah F. Little, knowingly presented false and misleading information when pursuing an auto property damage claim with Cure Insurance Company. Specifically, Ms. Little stated that her auto accident happened on March 24, 2020, when in fact she knew the crash occurred days earlier before the policy had been reinstated.
Civil Penalty: $3,000

Salvatore P. Scibilia, Jr., East Brunswick, NJ
Order #20-50191-04, June 2, 2021
Respondent, Salvatore P. Scibilia, Jr., knowingly misrepresented information to the Progressive Group of Insurance Companies, in support of a property damage claim dated November 7, 2019. Specifically, Mr. Scibilia stated that he was involved in a motor vehicle accident after he purchased an automobile policy, when in fact the crash occurred before the purchase.
Civil Penalty: $3,500

Jose F. Almeida and Portus Cale Trucking, LLC, Linden, NJ
Order #18-54929-38, June 2, 2021
Respondents, Jose F. Almeida, and Portus Cale Trucking, LLC, on or about January 24, 2018, knowingly provided false and misleading information to the Progressive Group of Insurance Companies. Specifically, Jose F. Almeida and Portus Cale Trucking, LLC, failed to list Mr. Almeida as a licensed driver on the commercial automobile policy application.
Civil Penalty: $2,500

Bukurije Bajrami, Wayne, NJ
Order #19-51903-35, June 2, 2021
Respondent, Bukurije Bajrami, knowingly provided false and misleading statements to CURE Insurance Company on January 28, 2016. Specifically, Ms. Bajrami stated that her son did not possess a driver’s license and was not a resident of the policy address, when in fact, that information was not true.
Civil Penalty: $1,500

Abraham Arev, Far Rockaway, NY
Order #20-53663-31, June 2, 2021
Respondent, Abraham Arev, knowingly provided false and misleading information on an automobile insurance application with Progressive Insurance Company, dated February 12, 2020. Specifically, Mr. Arev indicated that he resided and garaged his vehicle in New Jersey, when in fact he resides and garages his vehicle in New York.
Civil Penalty: $2,500

Elizabeth Anderson, Slatington, PA
Order #19-52293-31, June 2, 2021
Respondent, Elizabeth Anderson, knowingly provided false and misleading information on a Progressive automobile insurance policy application dated March 14, 2019. Specifically, Ms. Anderson stated that she resided in West Milford, NJ, when in fact, her principal residence was in McKeesport, PA.
Civil Penalty: $2,000

Juan Made, Newark, NJ
Order #20-50296-04, June 16, 2021
Respondent, Juan Made, knowingly provided a materially false and misleading statement to Rider Insurance Company when submitting a motorcycle property damage claim. Specifically, Mr. Made stated that the loss occurred on August 20, 2019 at 7:30 a.m., when in fact, the accident occurred hours earlier, prior to the inception of the policy.
Civil Penalty: $3,000

Walter C. Pardo-Chacon, Haledon, NJ
Order #16-56131-16, June 24, 2021
Respondent, Walter C. Pardo-Chacon, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company in pursuit of an auto property damage claim dated October 1, 2016. Specifically, Mr. Pardo-Chacon stated that he was driving his vehicle when he was a victim of a hit and run accident, when in fact his son was driving his vehicle and crashed into parked cars. Respondent, Walter C. Pardo-Chacon knowingly concealed relevant information from the New Jersey Manufacturers’ Insurance Company on several auto policy renewal questionnaires from 2012 through 2016. Specifically, Mr. Pardo-Chacon neglected to state that his three adult children reside at his home address and have access to the policy vehicles.
Civil Penalty: $4,000

Rochelle Walker-Hinton, Roselle, NJ
Order #18-51288-48, June 24, 2021
Respondent, Rochelle Walker-Hinton, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated October 18, 2017. Specifically, Ms. Walker-Hinton provided a Pennsylvania garaging location, when in fact, her policy vehicles were primarily garaged in New Jersey.
Civil Penalty: $1,500

Emelia Coral and Inos Trucking, LLC, Dover, NJ
Order #19-54218-38, June 24, 2021
Respondents, Emelia Coral and Inos Trucking, LLC, knowingly concealed relevant information on an application for commercial automobile insurance with Progressive Insurance Company, dated June 1, 2019. Specifically, Ms. Coral and Inos Trucking, LLC, failed to disclose an operator of an insured vehicle.
Civil Penalty: $5,000

Vasso Apostolopoulos and WB Contracting Corp., Kenilworth, NJ
Order #19-52191-40, June 30, 2021
Respondents, Vasso Apostolopoulos and WB Contracting Corporation, knowingly concealed pertinent information from Liberty Mutual Insurance Company on a Workers Compensation Policy which became effective on August 31, 2017.  Specifically, Vasso Apostolopoulos and WB Contracting Corporation failed to report their complete payroll and misclassified employees.
Civil Penalty: $3,500

Vasso Apostolopoulos and WB Contracting Corp., South Hackensack, NJ
Order #18-51966-40, June 30, 2021
Respondents, Vasso Apostolopoulos and WB Contracting Corporation, knowingly concealed pertinent information from Continental Indemnity Company on a workers compensation policy which became effective on July 13, 2016.  Specifically, Vasso Apostolopoulos and WB Contracting Corporation failed to report their complete payroll and misclassified employees.
Civil Penalty: $3,500

Mina Nakhla, Jersey City, NJ
Order #20-54719-04, June 30, 2021
Respondent, Mina Nakhla, knowingly provided materially false information on an auto property damage claim submitted to Progressive Insurance Company.  Specifically, Mr. Nakhla indicated that he had an accident on December 1, 2020, after adding collision and comprehensive coverage to his auto policy effective November 30, 2020, when in fact, the accident occurred prior to the additional coverage.
Civil Penalty: $3,000

Allison Macgillivray, Forked River, NJ
Order #21-50921-04, June 2, 2021
Respondent, Allison Macgillivray, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on February 25, 2021 in the course of an automobile glass damage claim for her insured vehicle.  Specifically, the Respondent stated that the damage to the vehicle occurred on February 23, 2021, when, in fact, the loss occurred prior to her changing her deductible from $500 to $50 on February 17, 2021.
Civil Penalty: $2,000

Jennifer Medranda, Bronx, NY
Order #21-50309-35, June 9, 2021
Respondent, Jennifer Medranda, did knowingly provide materially false information on an initial application for automobile insurance on September 8, 2020 and in subsequent conversations with the Progressive Group of Insurance Companies, by falsely claiming she resided in Toms River and Perth Amboy, NJ, when in fact, she resided in New York.
Civil Penalty: $2,500

Ricardo Sosa, Camden, NJ
Order #18-52533-04, June 16, 2021
Respondent, Ricardo Sosa, did knowingly make a materially false statement to Progressive Insurance Company on June 9, 2018 and subsequently in support of a comprehensive automobile claim by stating that the loss occurred on June 9, 2018, when in fact the loss occurred on May 25, 2018, prior to the addition of comprehensive coverage on May 28, 2018.
Civil Penalty: $2,500

Yurithsan Duran-Durango, Jamaica, NY
Order #20-51172-31, June 16, 2021
Respondent, Yurithsan Duran-Durango, did knowingly provide materially false information to the Progressive Group of Insurance Companies on August 27, 2019 on her automobile insurance application and in subsequent conversations by falsely claiming she resided in New Jersey, when in fact, she resided in New York.
Civil Penalty: $3,500

Edras Palma, St. Louis, MO
Order #21-51499-35, June 16, 2021
Respondent, Edras Palma, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies when filing an automobile accident claim on April 15, 2021. Specifically, the Respondent stated that the accident occurred after he added the vehicle to his policy on April 15, 2021 at 7:59 a.m. CT, when, in fact, the accident occurred prior.
Civil Penalty: $2,500

Naresh Patel, Princeton, NJ
Order #20-51730-22, June 16, 2021
Respondent, Naresh Patel, did knowingly provide materially false and misleading information to Massachusetts Mutual Life Insurance Company on two whole life applications dated December 19, 2019 by forging the signature of the proposed insured.
Civil Penalty: 5,000

Nicole M. Karge, Clayton, NJ
Order #20-52199-03, June 24, 2021
Respondent, Nicole M. Karge, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on May 16, 2020, by initiating a motorcycle insurance policy, then reporting the motorcycle stolen on May 19, 2020, with a date of loss of May 18, 2020, when in fact, the motorcycle was stolen on May 15, 2020, prior to the inception of the policy.
Civil Penalty: $2,500

 
May

Joseph Scafidi, Sewell, NJ
Order #15-53451-10, May 5, 2021
Respondent, Joseph Scafidi, did knowingly provide materially false information to Farmers Insurance Group on July 23, 2015 by submitting fraudulent repair invoices in connection with a homeowners insurance claim for damages to his home.
Civil Penalty: $3,500

Charles Smith, Jackson, NJ
Order #19-54248-35, May 18, 2021
Respondent, Charles Smith, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated September 25, 2018. Specifically, Mr. Smith failed to disclose a regular, licensed operator of the policy vehicles.
Civil Penalty: $1,500

Rose Pierre, Cherry Hill, NJ
Order #20-52652-31, May 25, 2021
Respondent, Rose Pierre, did knowingly provide materially false information on an initial application for automobile insurance on March 5, 2020 and subsequent other conversations with the Progressive Group of Insurance Companies, by falsely claiming she resided in Cherry Hill, NJ, when in fact, she resided in New York.
Civil Penalty: $3,000

Hubert V. White, Camden, NJ
Order #19-53316-12, May 25, 2021
Respondent, Hubert V. White, did knowingly provide materially false information and made false statements to USAA Insurance Company on July 9, 2019 relative to a theft claim, by submitting photographs of a Movado watch, allegedly taken in June 2017, when in fact, the photographs were taken on July 9, 2019 at 2:47 p.m., after the reported date and time of the loss.
Civil Penalty: $2,500

Maria Reyes, Galloway, NJ
Order #20-54240-35, May 25, 2021
Respondent, Maria Reyes, did knowingly provide materially false statements to CURE Auto Insurance on an automobile application dated February 26, 2020, by indicating the insured 2010 Ford F-150 was not going to be used in the course of any driver’s employment other than driving to and from work, or for any other commercial purpose, when in fact, the vehicle was used for commercial purposes.
Civil Penalty: $1,500

Scheila Otsubo, Newark, NJ
Order #20-54382-35, May 5, 2021
Respondent, Scheila Otsubo, provided false and misleading information to CURE on two policy renewal questionnaires dated August 5, 2015 and August 20, 2017. Specifically, Scheila Otsubo failed to provide CURE Insurance Company with her true policy address and garaging location of her vehicles by stating that she lived in Long Branch, NJ when, in fact, she resided in Newark, NJ.
Civil Penalty: $2,500

Jose Cortez, Elizabeth, NJ
Order #20-54134-04, May 18, 2021
Respondent, Jose Cortez, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 6, 2020 when he indicated an accident had occurred at 6:30 a.m. or 7:00 a.m. when, in fact, the accident occurred at 5:49 a.m., prior to the addition of collision and comprehensive coverage to his vehicle.
Civil Penalty: $2,500

Daniel Miseo, Annandale, NJ
Order #19-51294-03, May 18, 2021
Respondent, Daniel Miseo, provided materially false information to New Jersey Manufacturers Insurance Company in a statement on January 23, 2019, when he reported his 2014 Chevy Silverado stolen, when, in fact, it wasn’t.
Civil Penalty: $2,500

Lisa Walker, Asbury Park, NJ
Order #20-51755-47, May 18, 2021
Respondent, Lisa Walker, knowingly made materially false and misleading statements on a pet insurance claim she submitted to Nationwide Insurance Company on October 16, 2018 by altering an invoice to indicate a date of service of October 1, 2018 when the service actually occurred September 25, 2018, prior to policy inception.
Civil Penalty: $2,000

Imad E. Alasmar, Edison, NJ
Order #20-52576-03, May 18, 2021
Respondent, Imad E. Alasmar, knowingly provided materially false and misleading information to Progressive Insurance Company when he submitted a motorcycle theft claim purporting that the loss occurred on May 22, 2020 when, in fact, the loss occurred on May 21, 2020, which was prior to the inception of his motorcycle insurance policy.  Additionally, the Respondent submitted an altered New Jersey Victim Notification Form in support of his claim.
Civil Penalty: $2,500

Alejandro Ramirez, Brooklyn, NY
Order #20-53870-35, May 25, 2021
Respondent, Alejandro Ramirez, knowingly provided materially false and misleading information to Progressive Insurance Company on his application for automobile insurance dated August 14, 2020 when he stated that he was residing in the State of New Jersey when, in fact, he was residing in the State of New York.
Civil Penalty: $1,500

Jagel Ramirez, Long Branch, NJ
Order #20-53962-04, May 25, 2021
Respondent, Jagel Ramirez, knowingly presented materially false information to Progressive Insurance when he reported a loss as having occurred on September 25, 2020 at 5 p.m., when in fact, the loss occurred September 25, 2020 at 2 p.m., prior to the policy inception.
Civil Penalty: $2,500

Anthony G. Bolanos, Manville, NJ
Order #20-52255-04, May 25, 2021
Respondent, Anthony G. Bolanos, did knowingly provide materially false and misleading information to Progressive Insurance Company on June 4, 2020 by indicating his policy vehicle had no damage prior to obtaining comprehensive and collision coverage on May 13, 2020 when, in fact, Mr. Bolanos was involved in an auto accident on May 12, 2020.
Civil Penalty: $2,500

Khalil Alssafar, Woodland Park, NJ
Order #20-50852-07, May 25, 2021
Respondent, Khalil Alssafar, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of an auto claim as a result an accident that occurred on October 15, 2019.   Specifically, Mr. Alssafar failed to reveal he participated in a staged automobile accident.
Civil Penalty: $5,000

Michael Coleman and Coledon Trucking, LLC, Far Rockaway, NY
Order #20-50165-31, May 25, 2021
Respondents, Michael Coleman and Coledon Trucking, LLC, knowingly provided false and misleading information on a commercial automobile insurance application with Progressive Insurance Company on January 3, 2020. Specifically, Mr. Coleman and Coledon Trucking, LLC, indicated that his vehicle was garaged in New Jersey, when in fact, it was primarily garaged in New York.
Civil Penalty: $2,500

Nehemie Jean Paris, East Orange, NJ
Order #20-50167-04, May 25, 2021
Respondent, Nehemie Jean Paris, knowingly made false and misleading statements to Progressive Insurance Company on January 3, 2020 in support of an auto property damage claim. Specifically, Ms. Paris provided a Statement of No Loss, indicating that she and/or her insured vehicle had not been involved in any accidents between December 18, 2019 and January 3, 2020, when in fact this was not true.
Civil Penalty: $3,000

Ena Proctor, Newark, NJ
Order #20-50043-31, May 25, 2021
Respondent, Ena Proctor knowingly provided false and misleading information to Progressive Insurance Company on an application for automobile insurance. Specifically, on July 30, 2019, Ms. Proctor disclosed that she resided and garaged her vehicle in Westwood, NJ, when in fact she was residing and garaging her vehicle in Newark, NJ.
Civil Penalty: $1,500

Rashmi Gupta, Paramus, NJ
Order #20-53545-35, May 25, 2021
Respondent, Rashmi Gupta, knowingly concealed relevant information on an application for automobile insurance with Progressive Insurance Company, dated July 15, 2020. Specifically, Ms. Gupta failed to disclose a household resident and operator of an insured vehicle.
Civil Penalty: $1,500

Victor H. Jaramillo, East Hanover, NJ
Order #19-52117-35, May 25, 2021
Respondent, Victor H. Jaramillo, knowingly failed to provide information regarding household members to New Jersey Manufacturers Insurance Company.  Specifically, Mr. Jaramillo failed to disclose all household residents and licensed drivers with access to insured vehicles on automobile insurance policies and endorsements between May 15, 2018 and August 28, 2019.
Civil Penalty: $1,500

Roxan E. Robinson, Irvington, NJ
Order #19-51475-35, May 25, 2021
Respondent, Roxan E. Robinson, knowingly made false and misleading statements on an automobile insurance application to Progressive Insurance Company on September 6, 2018. Specifically, Ms. Robinson failed to disclose a licensed household member and regular driver.
Civil Penalty: $1,500

 
April

Melissa Gomez & Phoenix Outsource Corp., Passaic, NJ
Order #18-52799-40, April 13, 2021
Respondents, Melissa Gomez and Phoenix Outsource Corporation, knowingly concealed information from The Hartford Casualty Insurance Company on various applications and questionnaires for a workers’ compensation policy which was effective on May 26, 2017.  Specifically, by failing to list itself as a staffing agency as opposed to a consulting agency; also, by failing to report complete payroll during a premium audit and by failing to accurately list all employee class codes.
Civil Penalty: $5,000

Guillermo M. Marquez-Pacheco, Elmwood Park, NJ
Order #19-53254-04, April 19, 2021
Respondent, Guillermo M. Marquez-Pacheco, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when reinstating his policy during a Statement of No Loss. Specifically, on August 11, 2019, Mr. Marquez-Pacheco stated that he, or the policy vehicle, had not been involved in any accidents since the policy lapsed on July 24, 2019, when in fact, he was involved in an accident earlier that same day.
Civil Penalty: $2,500

Harsh Shah, Ramsey, NJ
Order #20-51708-04, April 19, 2021
Respondent, Harsh Shah, knowingly submitted false and misleading information to Geico Insurance Company when pursuing an auto property damage claim dated April 17, 2020.  Specifically, Mr. Shah stated that damage to the left side of his vehicle was the result of this recent accident, when in fact he had previously been paid for the same exact damage by Liberty Mutual Insurance Company for a claim in October 2017.
Civil Penalty: $2,500

Jimmy Batias Brito, Paterson, NJ
Order #19-52032-04, April 19, 2021
Respondent, Jimmy Batias Brito, knowingly submitted false and misleading information to Progressive Insurance Company in pursuit of an auto property damage claim. Specifically, Mr. Batias Brito stated that the accident occurred on March 14, 2019 at 6 p.m., when in fact, the crash occurred earlier that same day before the policy went into effect.
Civil Penalty: $3,000

Wendell Feliciano, Paterson, NJ
Order #19-53712-04, April 19, 2021
Respondent, Wendell Feliciano, knowingly provided false and misleading information to Progressive Group of Insurance Companies on an automobile property damage claim. Specifically, Mr. Feliciano stated that his vehicle was hit while parked sometime between August 13, 2019 and August 14, 2019, when in fact, he was driving the vehicle when he was involved in a hit-and-run accident on August 13, 2019.
Civil Penalty: $3,500

Mahmoud Aljaoni & Eco Heating & Cooling, LLC, Woodland Park, NJ
Order #18-52409-48, April 28, 2021
Respondents, Mr. Mahmoud Aljaoni and Eco Heating & Cooling, LLC, knowingly provided false and misleading information when securing a Progressive Commercial Automobile Policy on February 27, 2018. Specifically, Mr. Mahmoud Aljaoni and Eco Heating & Cooling, LLC, listed the policy residence and vehicle garaging address in Pennsylvania, when in fact, the policy residence and garaging address were actually in New Jersey when said policy was bound.
Civil Penalty: $2,500

Franklin G. Ortiz & Hazel Auto Mall, LLC, Paterson, NJ
Order #18-55209-38, April 28, 2021
Respondents, Franklin G. Ortiz and Hazel Auto Mall, LLC, did knowingly provide a materially false statement to Progressive Insurance Company when obtaining a commercial automobile insurance policy on May 1,2018. Specifically, Mr. Ortiz and Hazel Auto Mall, LLC failed to disclose that he was a regular operator of the policy vehicle.
Civil Penalty: $2,500

Osas Obadiaru, Newark, NJ
Order #19-53782-35, April 28, 2021
Respondent, Osas Obadiaru, conspiring with another individual, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on an auto policy endorsement dated August 29, 2018. Specifically, Mr. Obadiaru owned, operated, and garaged a 2011 Mercedes Benz that was added to the insurance policy of his co-conspirator.
Civil Penalty: $1,500

William Glenn, III, Waterbury, CT
Order #17-54634-34, April 28, 2021
Respondent, William Glenn III, knowingly submitted false and misleading statements on a third-party auto property damage claim with Nationwide Insurance Company, dated October 27, 2017.  Specifically, Mr. Glenn provided photos and a repair invoice for damage stating that a vehicle backed into his boat, when in fact, the photos and repair invoice were related to damage that occurred on October 6, 2017 for which he was already paid.
Civil Penalty: $3,500

Florence Tweel, Demarest, NJ
Order #20-52553-04, April 28, 2021
Respondent, Florence Tweel, knowingly provided false and misleading information to USAA Insurance Company in support of an auto property damage claim.   Specifically, on June 4, 2020, Ms. Tweel stated that an incident occurred which cracked the windshield of the insured vehicle, when in fact the damage occurred sometime earlier, prior to her lowering the comprehensive insurance deductible.
Civil Penalty: $1,500

Brianne Pedone, Lodi, NJ
Order #20-52857-35, April 28, 2021
Respondent, Brianne Pedone, did knowingly provide materially false statements to Progressive Insurance Company on July 7, 2020 on an auto policy application. Specifically, Ms. Pedone failed to disclose all operators of a policy vehicle.
Civil Penalty: $1,500

Damion Smith, Newark, NJ
Order #20-53205-31, April 28, 2021
Respondent, Damion Smith, knowingly provided false and misleading information to Progressive Insurance Company on his personal auto application for insurance dated January 13, 2020; specifically, by failing to disclose that the true garaging location of his policy vehicle was in New York and not in New Jersey.
Civil Penalty: $2,500

Wanda Prather, Newark, NJ
Order #19-51565-48, April 28, 2021
Respondent, Wanda Prather, knowingly provided false and misleading information to Nationwide Mutual Insurance Company on an application for automobile insurance dated May 5, 2016, as well as on all other interactions up to and including an auto property damage claim dated January 30, 2019. Specifically, Ms. Prather stated that her primary residence and garaging location was in North Carolina, when in fact she resided in New Jersey.
Civil Penalty: $2,500

Steven Killins, Bergenfield, NJ
Order #19-52771-35, April 28, 2021
Respondent, Steven Killins, knowingly provided materially false information to New Jersey Manufacturers Insurance Company on an automobile insurance policyrenewal dated April 30, 2017. Specifically, Mr. Killins failed to disclose his wife as a resident driver of the insured vehicle.
Civil Penalty: $1,500

Lacey Stevenson, Phillipsburg, NJ
Order #20-50236-35, April 28, 2021
Respondent, Lacey Stephenson, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated December 3, 2019; specifically, by insuring a 2009 Nissan Murano, when in fact, she no longer owned the vehicle or garaged the vehicle at her residence.
Civil Penalty: $1,500

Richard T. Paulson, Hoboken, NJ
Order #20-51829-36, April 28, 2021
Respondent, Richard T. Paulson, knowingly provided inaccurate and misleading information to Northwestern Mutual Insurance Company on a disability income insurance application dated January 27, 2020.
Civil Penalty: $2,500

Washington Espinoza, Newark, NJ
Order #20-51971-35, April 13, 2021
Respondent, Washington Espinoza, knowingly provided Progressive Insurance Company with false and misleading information on his application for automobile insurance dated September 20, 2019 when he stated that he resided and garaged his vehicles in Franklin, NJ, when in fact, he resided and garaged his vehicles in Newark, NJ.
Civil Penalty: $1,000

Shakera Murray, Carteret, NJ
Order #19-52808-35, April 13, 2021
Respondent, Shakera Murray, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company when she failed to disclose a licensed household resident on her application for automobile insurance dated July 21, 2017, and an automobile renewal questionnaire dated June 4, 2018.
Civil Penalty: $1,500

Nodira Muminova, Brooklyn, NY
Order #20-52053-35, April 13, 2021
Respondent, Nodira Muminova, knowingly provided materially false and misleading information to Progressive Insurance Company on her application for automobile insurance dated January 16, 2020, when she stated that she was residing in the State of New Jersey when, in fact, she was residing in the State of New York.
Civil Penalty: $2,500

Linda Ryan, Red Bank, NJ
Order #20-53678-04, April 19, 2021
Respondent, Linda Ryan, provided materially false and misleading information to New Jersey Manufacturers Insurance Company during an auto property damage claim for a February 10, 2020 loss when she purported that her personally insured vehicle was not being used for commercial purposes, when in fact, said vehicle was being used for commercial purposes when said loss occurred.
Civil Penalty: $1,500

Melissa Reeves, Flemington, NJ
Order #20-52424-04, April 19, 2021
Respondent, Melissa Reeves, did knowingly provide materially false and misleading information to Progressive Insurance Company during a Statement of No Loss when she stated that no person or vehicle listed on her automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on December 20, 2019 and the Statement of No Loss date of December 22, 2019 at 12:36 p.m., when in fact, the Respondent was involved in an automobile accident on December 22, 2019 at 11:42 a.m.
Civil Penalty: $2,500

Caroline Samms, Corona, NY
Order #17-53221-14, April 28, 2021
Respondent, Caroline Samms, knowingly provided false and misleading information to Liberty Mutual Insurance Company on her application for homeowner's insurance dated February 4, 2011, by purporting that she was a resident of her insured property, when in fact, she was not a resident of said property.  Furthermore, Respondent submitted a property damage claim for the contents of the insured property for a February 13, 2017 fire loss when, in fact, said contents did not belong to her.
Civil Penalty: $2,000 

Delon Friday, East Orange, NJ
Order #19-50283-04, April 28, 2021
Respondent, Delon Friday, knowingly provided materially false and misleading information to Progressive Insurance Company when he reported that his vehicle was damaged in an automobile accident around midnight on December 25, 2018, when in fact, said loss occurred earlier on December 25, 2018 when the vehicle was not insured.
Civil Penalty: $1,500

Ilin Martinez, Cliffwood, NJ
Order #20-53776-35, April 28, 2021
Respondent, Ilin Martinez, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 14, 2020 on an auto insurance application by failing to disclose that another individual was a resident in his household and was an operator of an insured vehicle.
Civil Penalty: $1,500

J’ne Brathwaite, Hillside, NJ
Order #20-53409-04, April 28, 2021
Respondent, J'ne Brathwaite, did knowingly provide materially false and misleading information to GEICO Indemnity Insurance Company when she lowered her deductible on her automobile insurance policy from $1,000 to $200 on September 7, 2020, and then submitted an auto property damage claim stating that the loss occurred on September 8, 2020 when, in fact, said loss occurred prior to her lowering the deductible.
Civil Penalty: $1,000

Walter Pabon, Sayreville, NJ
Order #20-54433-04, April 28, 2021
Respondent, Walter Pabon, knowingly provided false and misleading information to Progressive Garden State Insurance Company on November 24, 2020 and November 25, 2020, specifically, by reporting that he was involved in an accident on November 24, 2020 at 7:45-7:50 a.m. when, in fact, the accident occurred prior to adding his 1999 GMC Sierra to the policy.
Civil Penalty: $2,500

Vilbrun Meronvil, Irvington, NJ
Order #19-52588-35, April 28, 2021
Respondent, Vilbrun Meronvil, knowingly misrepresented information on his November 21, 2017 application for auto insurance with New Jersey Manufacturers Insurance Group, by failing to disclose another individual as a household member and operator of a policy vehicle.
Civil Penalty: $1,500

Ariel Groce, Palmyra, NJ
Order #19-51753-03, April 13, 2021
Respondent, Ariel Groce, did knowingly provide materially false information to Progressive Garden State Insurance Company in the First Notice of Loss on April 5, 2019 and in a subsequent recorded statement on April 9, 2019, by falsely claiming her vehicle was stolen and involved in a motor vehicle crash, when in fact, she knew it was not stolen.
Civil Penalty: $2,500

Alaina Geibler, Mays Landing, NJ
Order #20-51112-35, April 13, 2021
Respondent, Alaina Geibler, did knowingly provide materially false information to Progressive Group of Insurance Companies relative to two automobile loss claims. On January 21, 2020 at 11:02 a.m. she indicated a loss occurred on January 20, 2020 at 3:00 a.m. and then on January 23, 2020 at 6:53 p.m. she indicated a separate loss occurred on January 23, 2020 at 3:52 a.m., knowing that the loss actually occurred on December 4, 2019, prior to her initial automobile application and prior to her lowering the comprehensive deductible.  She also misrepresented the date of loss in two recorded phone calls.
Civil Penalty: $5,000

Ian L. Williams, Rio Grande, NJ
Order #17-51540-13, April 13, 2021
Respondent, Ian L. Williams, did knowingly and intentionally commit aggravated arson to his premises located in West Cape May, NJ, on March 15, 2017 and then filed a claim for the loss with USAA Casualty Insurance Company, during which he advised the insurance company that he was unaware of how the fire started.
Civil Penalty: $5,000

Jennese Binns, Mount Holly, NJ
Order #19-52423-37, April 28, 2021
Respondent, Jennese Binns, did knowingly provide materially false information to American Bankers Insurance Company of Florida (Assurant) on June 24, 2019, by misrepresenting the date of loss of a water damage claim by stating that the damage occurred on June 23, 2019, knowing that the damage actually occurred on June 21, 2019, prior to purchasing her renters insurance policy.
Civil Penalty: $2,500

 
March

Irene Emanouelithis, Rahway, NJ
Order #19-51742-10, March 2, 2021
Respondent, Irene Emanouelithis, knowingly provided false and misleading information in pursuit of a homeowner property damage claim submitted to the Philadelphia Contributionship Insurance Company.  Specifically, Ms. Emanouelithis stated that the loss occurred on February 20, 2019, when in fact it happened on February 13, 2019, before she lowered her deductible from $5,000 to $1,000.
Civil Penalty: $3,000

Jorge Hernandez, Jr., Paterson, NJ
Order #18-54615-04, March 2, 2021
Respondent, Jorge Hernandez, Jr., knowingly provided false and misleading statements in pursuit of an auto property damage claim with the Progressive Insurance Company. Specifically, Mr. Hernandez stated that the accident and damage to his vehicle occurred on November 21, 2018, when in fact, this vehicle was damaged before his policy was reinstated on October 18, 2018.
Civil Penalty: $4,000

Sharon Caldwell, Bronx, NY
Order #19-54001-31, March 2, 2021
Respondent, Sharon Caldwell, knowingly provided false and misleading statements on a change of address with CURE Insurance Company dated December 20, 2017.  Specifically, Ms. Caldwell stated her residence was 501 Hackensack Avenue, Apartment #1, Carlstadt, New Jersey, when in fact she resided in the Bronx, New York since October 2017.
Civil Penalty: $2,500

Yessica Ortega, Fairview, NJ
Order #19-54053-35, March 2, 2021
Respondent, Yessica Ortega, knowingly provided false and misleading information on an auto application dated January 17, 2017 to New Jersey Manufacturers Insurance Company.  Specifically, when responding to an auto accident dated June 18, 2019, Ms. Ortega stated that the driver of the vehicle was a cousin who resided out of state, when in fact the driver was her husband who has always been a licensed household resident.
Civil Penalty: $1,500

Dr. Joseph Lozito, Jr., Wayne, NJ
Order #18-52668-24, March 9, 2021
Respondent, Dr. Joseph Lozito, Jr., knowingly submitted bills to Horizon Blue Cross Blue Shield of New Jersey for medical services provided between January 2011 and December 2016, which contained misleading information on health insurance claim forms.
Civil Penalty: $5,000

Kenneth McGreevy, Northvale, NJ
Order #20-51228-35, March 9, 2021
Respondent, Kenneth McGreevy, knowingly provided materially false information to MetLife Insurance Company when renewing an automobile insurance policy on July 1, 2019 and January 1, 2020.  Specifically, Mr. McGreevy failed to disclose all household members and licensed drivers.
Civil Penalty: $1,500

Chris E. Thomas, Randolph, NJ
Order #19-54594-04, March 9, 2021
Respondent, Chris E. Thomas, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of an automobile claim. Specifically, Mr. Thomas added glass coverage to the policy on November 1, 2019 and then submitted a claim indicating that his vehicle sustained glass damage on November 7, 2019, when in fact, the damage occurred prior to the effective date of the additional coverage.
Civil Penalty: $2,000

Susan Daniele, Cliffside Park, NJ
Order #19-54731-47, March 9, 2021
Respondent, Susan Daniele, knowingly supplied false and misleading statements to Nationwide Insurance Company with regard to various claims for veterinary services, between February 20, 2018, and November 16, 2019, for her pet, Midnight. Specifically, Ms. Daniele altered several invoices that indicated a higher amount paid for services rendered, as well as several forged veterinarian letters to support the higher amounts.
Civil Penalty: $1,500

Gil Fronda, Little Ferry, NJ
Order #20-53548-35, March 23, 2021
Respondent, Gil Fronda, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated August 11, 2020. Specifically, Mr. Fronda failed to list a licensed household resident.
Civil Penalty: $1,500

Alina Adamczyk, Linden, NJ
Order #18-54376-35, March 23, 2021
Respondent, Alina Adamczyk, knowingly provided false and misleading information regarding a personal automobile policy with New Jersey Manufacturers Insurance Company dated June 12, 2018. Specifically, Ms. Adamczyk failed to disclose that the two vehicles listed on her policy were being used for a commercial business.
Civil Penalty: $2,500

Natalie R. Reaves, Paterson, NJ
Order #18-54707-35, March 23, 2021
Respondent, Natalie R. Reaves, conspired with another individual on or about December 18, 2017 to knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company relating to an automobile insurance policy. Specifically, Ms. Reaves, with the other individual, concealed that she owned, operated, and garaged an insured 2010 Chevrolet Camaro listed on the policy.
Civil Penalty: $1,500

Shaterra Johnson, Pennsauken, NJ
Order #16-55138-04, March 9, 2021
Respondent, Shaterra Johnson, did knowingly provide materially false and misleading information to Progressive Group of Insurance Companies by submitting a fabricated towing and storage invoice on August 31, 2016 in connection with her automobile accident claim.
Civil Penalty: $5,000

Gerard A. Jackson, Camden, NJ
Order #20-52100-35, March 9, 2021
Respondent, Gerard A. Jackson, did knowingly make a materially false statement to Progressive Garden State Insurance Company on April 24, 2020 when filing a collision claim. Specifically, Gerard A. Jackson stated that he was involved in an accident on April 24, 2020 at 12:02 p.m., when, in fact the accident occurred at 10:35 a.m., prior to the policy inception. Additionally, Gerard A. Jackson made a false statement to Progressive Garden State Insurance Company on May 8, 2020 by stating that he did not know about the accident prior to taking out the policy, when, in fact he did.
Civil Penalty: $3,500

Rebecca Butler, Mays Landing, NJ
Order #20-52984-04, March 9, 2021
Respondent, Rebecca Butler, did knowingly provide materially false information to Progressive Garden State Insurance Company on June 26, 2020 by misrepresenting the date of loss and falsely claiming that windshield damage occurred to her vehicle after changing her comprehensive glass deductible from $750 to $50 on June 11, 2020, knowing that it occurred prior to the policy change.
Civil Penalty: $2,500

Dennis Townsend, Brick, NJ
Order #20-50586-04, March 9, 2021
Respondent, Dennis Townsend, did knowingly provide materially false information to Progressive Group of Insurance Companies on January 18, 2020 by indicating an automobile loss occurred on January 17, 2020 at 10:00 p.m. knowing that the loss occurred on January 17, 2020 at 7:53 a.m., prior to the policy inception.
Civil Penalty: $3,500

Richard L. Macklin, Brick, NJ
Order #20-54324-35, March 23, 2021
Respondent, Richard L. Macklin, did knowingly make a materially false statement to Progressive Garden State Insurance Company on April 18, 2020 by failing to disclose that another individual was a resident of the household and operator of the policy vehicle.
Civil Penalty: $1,500

Kevin R. Beiter, Barnegat, NJ
Order #19-54056-33, March 23, 2021
Respondent, Kevin R. Beiter, did knowingly provide materially false information to Continental Indemnity Insurance Company on February 10, 2016, and to treating physicians on various dates between February 2016 and November 2017, by failing to disclose conditions that pre-existed his reported injury of February 4, 2016 and resulting workers compensation claim.
Civil Penalty: $5,000

Jeremiah Guerrero, Parlin, NJ
Order #20-51125-04, March 23, 2021
Respondent, Jeremiah Guerrero, did knowingly provide materially false and misleading information to Progressive Insurance Company on February 3, 2020, at 5:51 p.m. during a statement of no loss by indicating he had not been involved in any accidents since the policy canceled on January 14, 2020 when, in fact, he had been involved in an accident on February 3, 2020, prior to reinstatement of the policy. Furthermore, the Respondent, Jeremiah Guerrero, knowingly provided false and misleading information to Progressive in support of his claim on February 4, 2020, by indicating that the accident occurred after the policy reinstatement.
Civil Penalty: $2,500

Michele Simon, Union City, NJ
Order #20-51706-35, March 23, 2021
Respondent, Michele Simon, knowingly provided Progressive Insurance Company with false and misleading information on her application for automobile insurance dated October 26, 2019 by failing to disclose a licensed household resident.
Civil Penalty: $1,000

Ramya Kurmana, Rahway, NJ
Order #19-52533-31, March 23, 2021
Respondent, Ramya Kurmana, knowingly made materially false and misleading statements on her application for automobile insurance with Progressive Insurance Company dated July 11, 2018 when she listed Union, NJ, as her primary residence and garaging location when, in fact, her primary address and garaging location is Staten Island, NY.
Civil Penalty: $2,500

 
February

Sousan A. Amato, Fairview, NJ
Order #19-51759-04, February 3, 2021
Respondent, Sousan A. Amato, knowingly presented false and misleading information in support of an auto property damage claim to Progressive Group of Insurance Companies. Specifically, Ms. Amato stated that her vehicle was involved in a motor vehicle accident on April 8, 2019 at 7:20 p.m., when in fact the crash occurred earlier that day at 7:22 a.m., prior to the inception of the policy.
Civil Penalty: $3,500

Jayantilal A. Rana, Passaic, NJ
Order #19-52527-35, February 3, 2021
Respondent, Jayantilal A. Rana knowingly concealed relevant information from New Jersey Manufacturers Insurance Group with regard to his auto policy. Specifically, Mr. Rana failed to disclose a licensed household resident on renewal questionnaires signed and dated on January 2, 2016, January 10, 2017, and January 10, 2018.
Civil Penalty: $1,500

Ali Raza, Voorhees, NJ
Order #20-51010-04, February 3, 2021
Respondent, Ali Raza, knowingly provided false and misleading statements when pursuing an auto property damage claim with the Travelers Insurance Company dated February 20, 2020. Specifically, Mr. Raza stated that there was no prior damage to his vehicle, when in fact, his vehicle was damaged in 2018, which resulted in a claim and payment for the repairs.
Civil Penalty: $3,500

Marilyn Taylor, Long Beach, NY
Order #19-50533-10, February 17, 2021
Respondent, Marilyn Taylor, knowingly provided false and misleading statements in pursuit of a homeowner's property damage claim with the Chubb Insurance Company, dated November 20, 2018.  Specifically, Marilyn Taylor stated that an oil painting was newly damaged by a moving company, when in fact the oil painting had been damaged in 2005 and was never repaired.
Civil Penalty: $3,000

Latesha Bryant, Newark, NJ
Order #19-52957-35, February 17, 2021
Respondent, Latesha Bryant, knowingly provided false and misleading information on numerous policy declarations in 2018-2019 to the New Jersey Manufacturers Insurance Company by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Alexandra Trajceski, Elmwood Park, NJ
Order #20-52517-04, February 17, 2021
Respondent, Alexandra Trajceski, knowingly presented false and misleading statements in support of an auto property damage claim with the Progressive Insurance Company dated on June 6, 2020.  Specifically, Ms. Trajceski stated that her vehicle never had prior damages and she never repaired same, when in fact, that was not true.
Civil Penalty: $3,000

William Battle, dba, Belco Electric, Inc., Park Ridge, NJ
Order #18-53995-38, February 23, 2021
Respondent, William Battle, dba, Belco Electric, Inc., knowingly made false and misleading statements to the Progressive Insurance Company. Specifically, William Battle, dba, Belco Electric Inc., failed to disclose an employee driver on a commercial automobile insurance policy application dated November 22, 2017 and on a policy renewal declaration dated February 1, 2018.
Civil Penalty: $2,000

Barbara Estrada-Garces, Elizabethport, NJ
Order #17-51991-03, February 3, 2021
Respondent, Barbara Estrada-Garces, did knowingly provide a false and misleading statement to California Casualty Fire Insurance Company dated December 28, 2015, specifically by stating her boyfriend, Miguel Nunez, was no longer a resident of her household when in fact, he never left her residence.
Civil Penalty: $3,000

Alisa Scott, Westville, NJ
Order #17-54413-04, February 9, 2021
Respondent, Alisa Scott, did knowingly provide materially false information to Progressive Insurance on or about August 14, 2017, specifically, by stating she was driving her 2013 Mitsubishi on July 27, 2017, when she was involved in a loss and the car was towed, but drivable.
Civil Penalty: $3,500

Jose M. Puma, North Bergen, NJ
Order #19-52312-13, February 17, 2021
Respondent, Jose M. Puma, did knowingly provide materially false information on a homeowner's application with Liberty Mutual Insurance on January 12, 2015, specifically, by stating his home was a two family dwelling, when in fact, he was renting illegal apartments. Civil Penalty: $3,500

Ali Gates, Newark, NJ
Order #19-51077-04, February 23, 2021
Respondent, Ali Gates, did knowingly provide materially false and misleading information to GEICO Insurance Company when he lowered his collision coverage deductible on his automobile insurance policy from $2,000 to $500 on November 4, 2018, and then submitted an auto property damage claim purporting that the loss occurred on December 5, 2018 when, in fact, said loss occurred on November 4, 2018, prior to his lowering the deductible.
Civil Penalty: $1,500

Sharonda Donaldson-Liggon, Rahway, NJ
Order #20-51222-35, February 23, 2021
Respondent, Sharonda Donaldson-Liggon, knowingly provided materially false and misleading information to Progressive Insurance Company when she failed to disclose a licensed household resident/operator on her application for automobile insurance dated May 25, 2019.
Civil Penalty: $1,500

Emily Sofia Daly, Belmar, NJ
Order #19-50250-35, February 23, 2021
Respondent, Emily Sofia Daly, knowingly conspired with Alexander Catani to provide Metromile Insurance Company with false and misleading information on Alexander Catani's application for automobile insurance dated October 1, 2018 in order to obtain automobile insurance for the Respondent's vehicle for which she was not entitled.
Civil Penalty: $1,500

Alexander P. Catani, Belmar, NJ
Order #19-50250-35, February 23, 2021
Respondent, Alexander P. Catani, knowingly provided Metromile Insurance Company with false and misleading information when he failed to disclose a licensed household resident on his application for automobile insurance dated October 1, 2018.
Civil Penalty: $1,500

Rita Coll, Elizabeth, NJ
Order #20-52216-35, February 23, 2021
Respondent, Rita Coll, knowingly provided New Jersey Manufacturers Insurance Company with materially false and misleading information on her application for automobile insurance dated October 6, 2016 when she stated that a licensed household resident had their own automobile insurance when, in fact, they did not.
Civil Penalty: $1,500

Mathew Mahoney, Carteret, NJ
Order #19-54562-10, February 23, 2021
Respondent, Mathew Mahoney, knowingly provided materially false and misleading information to National General Insurance Company relative to a property damage claim for an October 16, 2019 loss when he attributed damage to his property as a result of the October 16, 2019 loss when, in fact, said damage occurred prior to this loss.
Civil Penalty: $2,500

Ramon Vasquez, Rahway, NJ
Order #18-50085-38, February 23, 2021
Respondent, Ramon Vasquez, did knowingly provide materially false and misleading information on his New Jersey Commercial Automobile Insurance Plan (NJ CAIP) application for commercial vehicle insurance dated October 31, 2017 by failing to disclose the true garaging location of his insured commercial vehicle registered under the name of Echo Transport Service LLC.
Civil Penalty: $2,500

Harpal Obhan, Piscataway, NJ
Order #18-51112-12, February 23, 2021
Respondent, Harpal Obhan, knowingly provided materially false information to Allstate Insurance Company on September 28, 2017 by submitting a fraudulent invoice in support of a homeowner theft claim.
Civil Penalty: $1,500

John Ditonno, Philadelphia, PA
Order #20-53576-34, February 17, 2021
Respondent, John Ditonno, did knowingly provide materially false and misleading information to BoatUS/Geico Marine Insurance Company regarding the condition of the insured wave runner when he submitted an application dated August 13, 2020, and during his claim dated August 14, 2020, for a loss that occurred prior to the policy inception.
Civil Penalty: $3,000

Anthony Bradley, Philadelphia, PA
Order #20-50679-31, February 23, 2021
Respondent, Anthony Bradley, did knowingly provide materially false information to Progressive Group of Insurance Companies in a first notice of loss call on September 25, 2019 and in a subsequent recorded statement on that date by falsely claiming that he resided in New Jersey, when in fact, he resided in Pennsylvania.
Civil Penalty: $2,500

 
January

Joaquim Cardoso, Warren, NJ
Order #18-51293-04, January 14, 2021
Respondent, Joaquim Cardoso, knowingly provided materially false and misleading information to USAA Insurance Company when he submitted an auto property damage claim purporting that the loss occurred on March 12, 2018 when, in fact, said loss occurred on March 7, 2018, prior to the addition of comprehensive coverage to his automobile insurance policy on March 10, 2018.
Civil Penalty: $2,500

Jan C. Benson, Freehold, NJ
Order #16-56253-30, January 14, 2021
Respondent, Jan C. Benson of Cross Country Paving, Incorporated, knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated November 30, 2016 purporting that his business was insured for commercial liability by Penn National Insurance when, in fact, no coverage existed.
Civil Penalty: $1,000

Regina Hughes, Montclair, NJ
Order #18-54614-04, January 14, 2021
Respondent, Regina Hughes, did knowingly provide materially false information in support of a claim to Progressive Insurance Company on November 10, 2018 by stating she hit a deer the night before when, in fact, the loss occurred on October 27, 2018, prior to her adding comprehensive coverage.
Civil Penalty: $2,500

Beatriz Martinez, Red Bank, NJ
Order #19-51535-24, January 14, 2021
Respondent, Beatriz Martinez, knowingly provided a fictitious social security number to her employer on July 23, 2013, which was used to obtain health insurance coverage through Horizon Blue Cross/Blue Shield of New Jersey to which she was not entitled.  Said coverage was subsequently rescinded based on this misrepresentation.
Civil Penalty: $2,000

Rachel A. Curry, New Brunswick, NJ
Order #17-50285-04, January 27, 2021
Respondent, Rachel A. Curry, did knowingly provide Allstate Insurance Company with materially false and misleading information when she submitted a fraudulent car rental invoice in support of an auto property damage claim for a November 30, 2016 loss.
Civil Penalty: $2,500

Julissa G. Mesa , Hillside, NJ
Order #20-50525-03, January 27, 2021
Respondent, Julissa G. Mesa, knowingly provided materially false and misleading information to Progressive Insurance Company on her application for automobile insurance dated March 10, 2019 by failing to disclose a regular operator of her insured vehicle.
Civil Penalty: $1,500

Shawn Trapp, Tinton Falls, NJ
Order #20-50009-16, January 27, 2021
Respondent, Shawn Trapp, knowingly provided materially false and misleading information to Progressive Insurance Company relative to a commercial auto property damage claim when he stated that the loss occurred on December 1, 2019 when, in fact, the loss occurred on November 28, 2019 when the vehicle was uninsured.  Furthermore, the respondent stated that he was not the operator of the vehicle in this loss when, in fact, he was the operator of said vehicle.
Civil Penalty: $3,500

Jill S. Ziman, Caldwell, NJ
Order #19-53075-34, January 27, 2021
Respondent, Jill S. Ziman, did knowingly conspire with another individual when submitting invoice bills to Genworth Insurance Company, on a long-term care policy, for attendant care services which she did not receive.
Civil Penalty: $3,500

Sharon Lee Vega, River Edge, NJ
Order #19-52113-22, January 14, 2021
Respondent, Sharon Lee Vega, knowingly provided false and misleading information to Prudential Insurance Company relating to a life insurance policy between September 8, 2017 and December 1, 2018.  Specifically, Ms. Vega submitted documents that contained forged signatures, which allowed her to obtain loan disbursements and withdraw funds that she was not entitled to receive as a non-owner of the policy.
Civil Penalty: $2,500

Pankaj Kumar, Bergenfield, NJ
Order #20-50242-31, January 14, 2021
Respondent, Pankaj Kumar, knowingly concealed relevant information on his Progressive Group of Insurance Companies automobile policy dated November 7, 2019.   Specifically, Mr. Kumar listed the primary garaging address for his vehicle in Harrison, New Jersey, when in fact the vehicle was primarily garaged in Brooklyn, New York.
Civil Penalty: $2,500

Lorine Barone, Sussex, NJ
Order #19-51616-04, January 14, 2021
Respondent, Lorine Barone, knowingly provided false and misleading information in a statement of no loss given to New Jersey Manufacturers Insurance Company on January 7, 2019. Specifically, Ms. Barone stated that her vehicle had not been involved in any accidents in the previous four-day lapse in coverage period, when in fact the vehicle had been involved in a crash on January 6, 2019.
Civil Penalty: $3,000

Slater Diaz-Perez, dba, S. Diaz Service, LLC, Elizabeth, NJ
Order #18-50282-35, January 14, 2021
Respondent, Slater Diaz-Perez, dba, S. Diaz Service, LLC, did knowingly provide a materially false statement to Progressive Insurance Company on July 15, 2017 when obtaining commercial automobile insurance. Specifically, Mr. Diaz-Perez failed to disclose that he was an operator and rated driver of an insured vehicle on a policy application.
Civil Penalty: $2,500

Paarth Shah, West Orange, NJ
Order #19-54447-04, January 14, 2021
Respondent, Paarth M. Shah, knowingly provided false and misleading information to Farmers Insurance Exchange while pursuing an auto property damage claim dated October 20, 2019. Specifically, Mr. Shah stated all damages to his vehicle were a result of a motor vehicle accident, when in fact, there was pre-existing damage.
Civil Penalty: $2,000

Kevin Moran, New York, NY
Order #20-50754-31, January 14, 2021
Respondent, Kevin Moran, knowingly provided false and misleading information to Progressive Direct Insurance Company on an auto application dated March 5, 2019. Specifically, Mr. Moran stated that his vehicle is garaged at his home address in Bayonne, New Jersey, when in fact, his policy vehicle was garaged at his actual primary residence in New York, New York.
Civil Penalty: $2,500

Erica A. Horton, Carthage, NC
Order #18-54707-35, January 21, 2021
Respondent, Erica A. Horton, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company when adding a vehicle to her automobile insurance policy on December 18, 2017. Specifically, Ms. Horton stated that she was the sole registered owner of a 2010 Chevrolet Camaro, the vehicle was garaged at her residence, and no one else would have regular access to the vehicle, when in fact, the vehicle was registered, garaged, and operated by another individual.
Civil Penalty: $1,500

Zantaya A. Davis, Linden, NJ
Order #18-54491-04, January 21, 2021
Respondent, Zantaya A. Davis, did knowingly provide materially false information to Progressive Insurance Company during a statement of no loss on October 12, 2018.  Specifically, Ms. Davis indicated that no one operating a vehicle on her policy had been involved in an accident during the lapse period of October 9, 2018 to October 12, 2018, when in fact, she was involved in an accident on October 11, 2018.
Civil Penalty: $3,000

Taliah Y. Ames, East Orange, NJ
Order #19-51346-04, January 21, 2021
Respondent, Taliah Y. Ames, provided false and misleading information to Progressive Insurance on March 20, 2019. Specifically, Ms. Ames reported that she was involved in an accident on March 19, 2019 after she obtained her automobile insurance policy, when in fact, the accident occurred prior to policy inception.
Civil Penalty: $2,500

Juan Batista, Egg Harbor Twp., NJ
Order #20-53898-41, January 21, 2021
Respondent, Juan Batista, did knowingly provide materially false information to American Health & Life Insurance Company on August 15, 2019 and subsequently by submitting altered documents in support of his disability claim and by falsely stating he had not returned to work, when, in fact, he had.
Civil Penalty: $3,000

Miriam R. Gonzalez, Willingboro, NJ
Order #20-50363-35, January 27, 2021
Respondent, Miriam R. Gonzalez, did knowingly provide materially false and misleading information on an application for automobile insurance to Progressive Garden State Insurance Company on March 13, 2019, by failing to disclose herself as an additional household member and regular operator of the insured vehicles when she completed the application on behalf of another individual.
Civil Penalty: $2,500

Brian Villarreal, Ewing, NJ
Order #19-54215-35, January 27, 2021
Respondent, Brian Villarreal, did knowingly make material misrepresentations to GEICO Indemnity Company on November 6, 2019 in support of his claim, by indicating the time of loss on November 5, 2019 to be between 12:30 and 12:45 p.m., when in fact the actual time of loss was about 12:00 p.m., which was prior to the auto policy being re-instated. On November 12, 2019, respondent stated the crash occurred right after he re-instated the auto policy, when in fact the loss occurred prior to the policy being re-instated. These misrepresentations resulted in a third-party claim.
Civil Penalty: $1,500

 
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