Vanessa M. Frias, Paterson, NJ
Order #19-52443-51, December 8, 2022
Respondent, Vanessa M. Frias, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a statement of no loss dated June 4, 2019.  Specifically, Ms. Frias stated that her vehicle had not been involved in any accidents since the policy lapsed on May 22, 2019, when in fact, the vehicle was involved in an accident on June 2, 2019.
Civil Penalty: $2,500

Abdalhamid Swelim, Totowa, NJ
Order #20-53124-35, December 8, 2022
Respondent, Abdalhamid Swelim, knowingly presented false and misleading statements on an application for automobile insurance with Progressive Insurance Company, dated June 8, 2020.  Specifically, Mr. Swelim obtained an insurance policy for his registered vehicle under the name of another individual without their knowledge.
Civil Penalty: $2,500

Laura C. Peterson, Mahwah, NJ
Order #21-53940-04, December 8, 2022
Respondent, Laura C. Peterson, did knowingly make a material misrepresentation to GEICO Indemnity Insurance Company on November 10, 2021 while pursuing an auto property damage claim.  Specifically, Ms. Peterson stated that the damage to her vehicle occurred on November 1, 2021, when in fact the incident took place on October 25, 2021 which was prior to the effective time and date of that policy.
Civil Penalty: $3,500

Piyush Singhal, Montville, NJ
Order #22-50314-10, December 8, 2022
Respondent, Piyush Singhal, knowingly supplied false and misleading information to New Jersey Manufacturers Insurance Company during a recorded call on November 17, 2021, and on December 20, 2021 by stating that he discovered mold damage in his home on November 13, 2021, after he lowered his deductible, when in fact, he had discovered the damage prior to lowering his deductible.
Civil Penalty: $5,000

Skarlet K. Germosen IV, Franklin, NJ
Order #22-51022-31, December 8, 2022
Respondent, Skarlet K. Germosen IV, knowingly provided materially false statements to New Jersey Manufacturers Insurance Company when renewing automobile insurance on March 15, 2021.  Specifically, Ms. Germosen failed to disclose all household drivers with access to policy vehicles as well as garaging of the insured vehicle in the Bronx, NY.
Civil Penalty: $2,500

Marta Burgess, Delran, NJ
Order #22-51291-39, December 8, 2022
Respondent, Marta Burgess, did knowingly provide materially false and misleading information to Ameritas Life Insurance Corporation on an individual life insurance application dated January 1, 2021, by failing to disclose another individual's true medical history.
Civil Penalty: $1,500

William J. Abeel, Toms River, NJ
Order #22-51379-35, December 8, 2022
Respondent, William J. Abeel, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an initial application for automobile insurance on March 16, 2021, and on subsequent dates by failing to disclose another individual as a household resident and driver of the insured vehicles.
Civil Penalty: $1,500

Samantha Wong, Wayne, NJ
Order #22-51795-04, December 8, 2022
Respondent, Samantha Wong, knowingly made false and misleading statements to the Progressive Group of Insurance Companies when pursuing a comprehensive auto claim.  Specifically, Ms. Wong submitted a claim for windshield damage stating that the date of loss was on April 30, 2022, when in fact, the damage occurred prior to her adding glass coverage to the policy on April 19, 2022.
Civil Penalty: $1,000

Filemon Galindo, Newark, NJ
Order #22-52376-35, December 8, 2022
Respondent, Filemon Galindo, did knowingly provide false and misleading information to Progressive Group of Insurance Companies on an application for auto insurance on July 5, 2022, by not listing all regular operators of the policy vehicle.
Civil Penalty: $1,500

Trinh Huynh, Blackwood, NJ
Order #22-52673-51, December 8, 2022
Respondent, Trinh Huynh, did knowingly provide materially false information during a statement of no loss on July 15, 2022 at 8:11 p.m. to the Progressive Group of Insurance Companies, by indicating that no damage or theft occurred to any vehicle listed on her automobile policy during the lapse period of July 13, 2022 and July 15, 2022, when, in fact, damage had occurred to her vehicle during the lapse period.
Civil Penalty: $2,500

Ryan Barr, Mays Landing, NJ
Order #22-51396-04, December 8, 2022
Respondent, Ryan Barr, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 14, 2022, and on a subsequent date in support of an automobile glass damage claim.  Specifically, the Respondent misrepresented that the loss occurred on February 20, 2022, knowing that the loss occurred on February 17, 2022, when there was no coverage in effect.
Civil Penalty: $2,000

Jerwin Vedanayagam, Fords, NJ
Order #22-51899-04, December 14, 2022
Respondent, Jerwin Vedanayagam, did knowingly provide materially false and misleading information to Progressive Insurance Company on May 17, 2022, in a recorded statement, by stating that a loss occurred on May 14, 2022 when, in fact, the loss occurred on May 7, 2022, prior to the addition of glass coverage.
Civil Penalty: $1,500

Sean M. Popke, Lawrenceville, NJ
Order #22-52746-04, December 14, 2022
Respondent, Sean M. Popke, did knowingly provide materially false information to the Progressive Group of Insurance Companies on August 8, 2022, and during a subsequent call, in support of an automobile glass damage claim.  Specifically, the Respondent reported that the damage to the vehicle occurred on August 8, 2022, when, in fact, the loss occurred prior to the addition of the $50 glass deductible to his policy.
Civil Penalty: $2,000

Steve R. Arias  
Order #18-51230-04, December 20, 2022
Respondent, Steve R. Arias, knowingly provided false and misleading information in a recorded statement of no loss provided to Progressive Insurance Company on February 23, 2018, specifically, by stating he was not involved in an accident since the policy lapsed on February 15, 2018, when in fact, Mr. Arias had been involved in an accident.
Civil Penalty: $2,500

Benedict N. Antonecchia, DDS, Hampstead, NC
Order #19-50670-44, December 20, 2022
Respondent, Benedict N. Antonecchia, DDS, knowingly provided false and misleading information in the submission of dental claims to Delta Dental of New Jersey, Inc., between August 10, 2014 and February 10, 2016.  Specifically, Benedict N. Antonecchia, DDS submitted dental claims for the billing of services not rendered by coding for surgical extractions (CDT Code 7210), when in fact, they were simple extractions (CDT Code 7140).
Civil Penalty: $14,000

Brianna Ribaudo, East Rutherford, NJ
Order #19-54757-35, December 20, 2022
Respondent, Brianna Ribaudo, knowingly provided false and misleading information to Cure Insurance Company on an automobile insurance application dated December 23, 2018 as well as on numerous policy actions or renewals through June 2019.  Specifically, Ms. Ribaudo neglected to list all resident drivers and stated she was the registered owner of two policy vehicles when in fact, she was not.
Civil Penalty: $2,000

Efrain Davila Jr., Union, NJ
Order #21-51491-48, December 20, 2022
Respondent, Efrain Davila Jr., knowingly made false and misleading statements on an application for automobile insurance with the Progressive Group of Insurance Companies dated October 12, 2020. Specifically, Mr. Davila indicated that he resided and garaged his vehicle in Georgia, when in fact, he resided and garaged his vehicle in New Jersey.
Civil Penalty: $2,500

Suzette Rivera, Newark, NJ
Order #21-51864-35, December 20, 2022
Respondent, Suzette Rivera, knowingly provided materially false information on a Progressive Auto Insurance policy application dated April 1, 2021. Specifically, Ms. Rivera obtained the policy in another person's name without their knowledge, and failed to list herself as a driver of the policy vehicle.
Civil Penalty: $1,500

Antoine P. Michel, Jersey City, NJ
Order #21-51980-04, December 20, 2022
Respondent, Antoine P. Michel, knowingly provided a false and misleading statement to Progressive Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Michel stated that his policy vehicle was involved in a loss on May 21, 2021, when in fact, the incident occurred on or about May 16, 2021 before he purchased the auto insurance coverage.
Civil Penalty: $5,000

Mark Schiffer
Order #22-50562-34, December 20, 2022
Respondent, Mark Schiffer, conspiring with another individual, knowingly prepared and submitted false and misleading information to Genworth Life Insurance Company for reimbursement of healthcare services from September 19, 2020 to January 29, 2022. Specifically, Mr. Schiffer prepared and signed bills indicating that a health home care worker provided services on numerous dates when, in fact, the services were not provided for all hours billed.
Civil Penalty: $4,000

Martha Henao, Dover, NJ
Order #22-50562-34, December 20, 2022
Respondent, Martha Henao, conspiring with another individual, knowingly prepared false and misleading information to be presented to Genworth Life Insurance Company for reimbursement of healthcare services from September 19, 2020 to January 29, 2022.  Specifically, Ms. Henao and another individual claimed that she had provided home health care on numerous dates when, in fact, she did not provide services for all the hours billed.
Civil Penalty: $2,000

Paul F. Oliveira, Huntington Station, NY
Order #22-50629-35, December 20, 2022
Respondent, Paul F. Oliveira, did knowingly provide false and misleading information on an automobile insurance application with the Progressive Group of Insurance Companies dated October 28, 2021. Specifically, Respondent obtained insurance under a different name and listed two of the policy vehicle(s) as being garaged in New Jersey when, in fact, the two policy vehicle(s) were garaged in New York and driven by Mr. Oliveira who was not listed on the policy as a regular driver of the policy vehicle(s).
Civil Penalty: $2,500

Felix Lugo, Lindenwold, NJ
Order #22-51683-04, December 20, 2022
Respondent, Felix Lugo, did knowingly provide materially false information to the Progressive Group of Insurance Companies on April 24, 2022, and during a subsequent call, in support of an automobile glass damage claim.  Specifically, the Respondent reported the damage to the vehicle occurred on April 23, 2022, when in fact the loss occurred prior to the addition of a $50 glass deductible to his policy.
Civil Penalty: $2,000

Briana F. Moran, Vineland, NJ
Order #22-52097-35, December 20, 2022
Respondent, Briana F. Moran, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an initial application for automobile insurance on December 28, 2021, and on subsequent dates by failing to disclose another individual as a driver of a policy vehicle and a household resident.
Civil Penalty: $1,500

Tamara Zeigler, Newark, NJ
Order #20-54389-04, December 28, 2022
Respondent, Tamara Zeigler, knowingly made false and misleading statements to Progressive Insurance Company in support of an auto property damage claim.  Specifically, Ms. Zeigler stated that the accident occurred on November 30, 2020 when, in fact, the vehicle damage reported was the result of a prior loss.
Civil Penalty: $1,500

Gleni Bonilla, Lodi, NJ
Order #22-51744-31, December 28, 2022
Respondent, Gleni Bonilla, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on a policy application dated November 19, 2021, by stating that the garaging address for an insured vehicle was 441 Mechanic St., Perth Amboy, NJ when, in fact, it was 128 Seaman Ave., New York, NY 10034.
Civil Penalty: $2,500

Amaryllis Aviles, Perth Amboy, NJ
Order #20-53720-35, November 1, 2022
Respondent, Amaryllis Aviles, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on March 10, 2020 by stating that she resided at the policy address and the insured vehicle was co-owned by the policy holder.
Civil Penalty: $2,000

Amanda Jimenez, Paterson, NJ
Order #21-51346-04, November 1, 2022
Respondent, Amanda Jimenez, knowingly provided false and misleading information to Progressive Garden State Insurance Company in pursuit of an auto comprehensive claim dated April 19, 2021.  Specifically, Ms. Jimenez reported an incorrect date of loss, knowing that the incident occurred prior to her lowering her comprehensive deductible.
Civil Penalty: $1,500

Emiliano Flores-Lopez, Long Branch, NJ
Order #22-51546-35, November 1, 2022
Respondent, Emiliano Flores-Lopez, did knowingly provide false and misleading information on his auto insurance application with Progressive Insurance Company on March 30, 2022 by failing to disclose an additional operator and household resident.
Civil Penalty: $1,500

Orlando Peterson, Clementon, NJ
Order #22-52324-51, November 1, 2022
Respondent, Orlando Peterson, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 15, 2022, and during a subsequent call in support of a stolen motor vehicle claim. Specifically, the Respondent signed a statement of no loss indicating his vehicle had not been stolen during the policy lapse period, when, in fact, he had already reported it stolen to the Burlington Township Police Department. Furthermore, Respondent then reported that the theft occurred after the policy reinstatement, when, in fact, it had occurred prior.
Civil Penalty: $3,500

Dawn Peppe, Stewartsville, NJ
Order #19-51126-47, November 9, 2022
Respondent, Dawn Peppe, knowingly supplied false and misleading statements to Nationwide Insurance Company when pursuing a claim for veterinary services.  Specifically, Ms. Peppe altered four (4) invoices dated August  6, 2018, August 21, 2018, September 4, 2018 and October 9, 2018, by failing to indicate that the services were discounted.
Civil Penalty: $1,000

Brianne Bonjione, Long Valley, NJ
Order #20-54300-04, November 9, 2022
Respondent, Brianne Bonjione, knowingly provided false and misleading information to Safe Auto Insurance Company on an auto policy application.  Specifically, Ms. Bonjione obtained insurance coverage on October 7, 2020 at 5:49 p.m. by stating that the vehicle had no previous damage, when in fact, she was involved in an accident earlier that same day; and Respondent, Brianne Bonjione, on October 16, 2020, knowingly provided false and misleading information to Safe Auto Insurance Company in support of an auto property damage claim.  Specifically, Ms. Bonjione stated that she was involved in an automobile accident on October 8, 2020 at 5:30 p.m., when in fact, the loss occurred on October 7, 2020 prior to the policy inception.
Civil Penalty: $3,000

Luis Arrellano, Cherry Hill, NJ
Order #21-53716-04, November 9, 2022
Respondent, Luis Arrellano, did knowingly make material misrepresentations to Progressive Insurance Company on September 22, 2021, and in subsequent correspondence in support of an automobile property damage claim. Specifically, the Respondent reported that the loss occurred after lowering the deductible on September 16, 2021, from $2000 to $500, when, in fact, the loss occurred prior to the deductible being lowered.
Civil Penalty: $2,500

Corey M. Wright, South Bound Brook, NJ
Order #21-53930-04, November 9, 2022
Respondent, Corey M. Wright, knowingly provided materially false information to the Progressive Group of Insurance Companies on September 8, 2021 when he reported the loss as having occurred on September 7, 2021 when, in fact, it occurred on September 2, 2021, prior to the addition of comprehensive coverage.
Civil Penalty: $3,500

Ardiana Gjidija, Union, NJ
Order #22-51720-04, November 9, 2022
Respondent, Ardiana Gjidija, did knowingly provide materially false and misleading information to Progressive Insurance Company on May 13, 2022, in a recorded statement, by stating that a loss occurred on May 10, 2022 when, in fact, the loss occurred prior to the addition of glass coverage on May 1, 2022.
Civil Penalty: $1,500

Anthony Krupocin, Toms River, NJ
Order #22-51835-04, November 9, 2022
Respondent, Anthony Krupocin, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on April 9, 2022, and on subsequent dates, in support of an automobile glass damage claim. Specifically, the Respondent stated that the damage to the vehicle occurred on April 1, 2022, when, in fact, the loss occurred on February 1, 2022, prior to him lowering the comprehensive deductible and adding glass coverage to his policy.
Civil Penalty: $2,000

Kristen D. Lee, Glassboro, NJ
Order #18-54418-03, November 16, 2022
Respondent, Kristen D. Lee, did knowingly provide a false and misleading statement to New Jersey Manufacturers Insurance Company on February 19, 2018, specifically by stating that the 2017 Nissan Sentra which she rented from Payless Car Rental was stolen, when, in fact, her boyfriend was using the car when he was involved in a shooting with the car in Camden, NJ; and Kristen D. Lee, did knowingly provide a false and misleading statement to New Jersey Manufacturers Insurance Company (date unknown), specifically by stating on a theft affidavit that the 2017 Nissan Sentra she was renting was stolen from her friend's house.  In fact, the car was involved in a shooting in Camden; and Kristen D. Lee, did knowingly provide a false and misleading statement to New Jersey Manufacturers Insurance Company on March 1, 2018, specifically by stating the 2017 Nissan Sentra she was renting was stolen, when, in fact, her boyfriend was using the car when he was involved in a shooting with the car in Camden.
Civil Penalty: $2,500

Brian Kaden, Randolph, NJ
Order #20-54626-51, November 16, 2022
Respondent, Brian Kaden, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a statement of no loss when reinstating his automobile insurance policy.  Specifically, Mr. Kaden stated on October 12, 2020 at 6:59 p.m. that neither he nor any of his vehicles had been involved in any accidents since the policy lapsed on September 16, 2020, when in fact, one of the policy vehicles was involved in an accident earlier that day.
Civil Penalty: $2,500

Quamir Hodges, Montclair, NJ
Order #21-50089-03, November 16, 2022
Respondent, Quamir Hodges, knowingly provided false and misleading statements in pursuit of an auto theft claim with Progressive Insurance Company, dated November 13, 2020, specifically, by stating that his 2015 Honda Accord was stolen, when in fact, this was not true.
Civil Penalty: $5,000

David P. Baldwin, Morristown, NJ
Order #21-51087-39, November 16, 2022
Respondent, David P. Baldwin, knowingly made false and misleading statements when attempting to obtain a life insurance policy with American General Life Insurance Company dated May 29, 2020.  Specifically, Mr. Baldwin failed to disclose his true and accurate medical history on a policy acceptance and health statement dated June 8, 2020.
Civil Penalty: $2,500

Paul Nganansou, Jersey City, NJ
Order #21-52327-04, November 16, 2022
Respondent, Paul Nganansou, knowingly provided false and misleading statements when pursuing an auto property damage claim with Esurance Insurance Company of New Jersey dated June 1, 2021.  Specifically, Mr. Nganansou stated that his vehicle was involved in a loss on May 30, 2021, when in fact, the loss occurred on May 24, 2021, when there was no comprehensive or collision coverage on his existing automobile insurance policy.
Civil Penalty: $4,000

Brittney Stine, Helmetta, NJ
Order #21-52874-04, November 16, 2022
Respondent, Brittney Stine, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies relative to an automobile damage claim for an August 1, 2021 loss when she attributed damage to her vehicle as a result of the August 1, 2021 loss when, in fact, said damage occurred prior to the policy inception of July 1, 2021.
Civil Penalty: $2,000

Dylan A. Deans, Jersey City, NJ
Order #21-53528-04, November 16, 2022
Respondent, Dylan A. Deans, did knowingly provide false and misleading information to Progressive Insurance Company on October 15, 2021, and October 18, 2021, when he reported a claim for glass damage as occurring on October 15, 2021 , when, in fact, the damage occurred on October 13, 2021, prior to the policy inception.
Civil Penalty: $2,000

Susan Maksad, Fort Lee, NJ
Order #22-50362-35, November 16, 2022
Respondent, Susan Maksad, knowingly concealed relevant information from Farmers Insurance Group on an automobile insurance renewal effective September 3, 2021.  Specifically, Ms. Maksad failed to disclose that three policy vehicles were being used for commercial purposes for a vehicle rental business.
Civil Penalty: $2,500

Jorge L. Nieto, Lakewood, NJ
Order #22-51649-35, November 16, 2022
Respondent, Jorge L. Nieto, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated April 11, 2022, by failing to disclose a resident driver of the policy vehicle.
Civil Penalty: $1,500

Anthony Haines, Hopatcong, NJ
Order #22-51736-04, November 16, 2022
Respondent, Anthony Haines, knowingly made false and misleading statements to the Progressive Group of Insurance Companies when pursuing a comprehensive auto claim.  Specifically, Mr. Haines submitted a claim for windshield glass damage stating that it occurred on April 23, 2022, when in fact the loss occurred on or about April 6, 2022, which was before he purchased the coverage.
Civil Penalty: $1,000

Kasia Church a/k/a Kasia Abuelhija, Red Bank, NJ
Order #22-52135-35, November 16, 2022
Respondent, Kasia Church a/k/a Kasia Abuelhija, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Corporation on an automobile application dated July 2, 2021.  Specifically, Respondent, listed the policy vehicle as being garaged at the New Jersey policy address when, in fact, the vehicle was garaged in California and driven by an unlisted driver and regular operator.
Civil Penalty: $2,500

Mary Johnson, Mullica Hill, NJ
Order #22-51248-04, November 22, 2022
Respondent, Mary Johnson, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on March 22, 2022, in support of an automobile property damage claim.  Specifically, she reported that the loss occurred on March 20, 2022, when, in fact, the loss actually occurred on March 14, 2022, which was prior to the policy being issued.
Civil Penalty: $2,500

Kierra Maxwell, Lawnside, NJ
Order #22-51881-35, November 22, 2022
Respondent, Kierra Maxwell, did knowingly make material misrepresentations to CURE Auto Insurance Company on May 18, 2020, and on subsequent renewal questionnaires, by failing to disclose another individual as a household resident.
Civil Penalty: $1,500

Heather Durkin, Brick, NJ
Order #22-52677-35, November 22, 2022
Respondent, Heather Durkin, did knowingly provide materially false information to CURE Auto Insurance Company on an online request to add a vehicle to her policy on September 4, 2020, and on a subsequent date by failing to disclose the true garaging location of the insured's Toyota Tacoma.
Civil Penalty: $2,500

Salvatore A. Monteleone, Toms River, NJ
Order #22-52729-35, November 22, 2022
Respondent, Salvatore A. Monteleone, did knowingly make materially false statements to New Jersey Manufacturers Insurance Company on February 8, 2020, and on February 16, 2022, by indicating there were no other drivers who had access to the insured 2013 Honda Civic on his automobile policy, when, in fact, another individual had exclusive possession of and garaged the Honda at another address.
Civil Penalty: $2,500

Terry S. Napeh, Swedesboro, NJ
Order #22-52819-31, November 22, 2022
Respondent, Terry S. Napeh, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on January 24, 2022, and on subsequent dates during policy amendments, by indicating the insured vehicle(s) were principally garaged in New Jersey, when, in fact, the insured vehicle(s) were being principally garaged in Pennsylvania.
Civil Penalty: $2,500

Muhammad Shaukat, Maple Shade, NJ
Order #22-52963-35, November 22, 2022
Respondent, Muhammad Shaukat, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 15, 2022, and during a subsequent call in support of an automobile property damage claim.  Specifically, the Respondent reported the loss occurred after he lowered his collision deductible from $2,000 to $250, when, in fact, the loss occurred prior to the policy change.
Civil Penalty: $2,500

Jeremy S. Thomas, Browns Mills, NJ
Order #22-53010-04, November 22, 2022
Respondent, Jeremy S. Thomas, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 3, 2022, during a recorded telephone call in support of an automobile glass damage claim.  Respondent previously lowered his comprehensive deductible and added glass coverage with a $50 deductible.  Respondent then reported an automobile glass claim with a false date of loss as July 27, 2022, when in fact the auto glass was damaged prior to the policy amendments.
Civil Penalty: $2,000

Stephanie Iacopino, Toms River, NJ
Order #22-53089-04, November 22, 2022
Respondent, Stephanie Iacopino, did knowingly provide materially false information to Progressive Garden State Insurance Company during a recorded telephone call on August 31, 2022, and on a subsequent date in support of an automobile glass damage claim.  Respondent lowered her comprehensive/collision deductible and submitted a glass claim with a false date of loss as August 30, 2022, when, in fact, the glass claim occurred prior to the amended deductible.
Civil Penalty: $2,000

Keval Patel, Riverview, FL
Order #20-52348-10, October 6, 2022
Respondent, Keval Patel, knowingly provided false and misleading information to Plymouth Rock Management Insurance Company when pursuing a homeowner claim for additional living expenses as the result of a home fire, dated November 6, 2019.  Specifically, Mr. Patel submitted two (2) invoices for reimbursement for hotel stays knowing that this information was fabricated.
Civil Penalty: $4,000

Jeffery Perez-Arreaga, Jersey City, NJ
Order #20-50515-04, October 6, 2022
Respondent, Jeffery Perez-Arreaga, knowingly provided false and misleading statements when pursuing an auto property damage claim with Farmers Insurance dated January 15, 2020. Specifically, Mr. Perez-Arreaga stated that his vehicle was parked and unoccupied when the accident occurred, when in fact this was not true.
Civil Penalty: $4,000

Nassib Karimu, Sicklerville, NJ
Order #20-54000-03, October 18, 2022
Respondent, Nassib Karimu, did knowingly conspire with another individual and provided materially false and misleading information to Progressive Garden State Insurance Company during a recorded call on October 2, 2020, by purporting the theft of the alleged stolen vehicle.
Civil Penalty: $3,500

Joseph Regina, Bloomingdale, NJ
Order #21-50321-03, October 18, 2022
Respondent, Joseph Regina, knowingly provided false and misleading statements to Progressive Insurance Company when pursuing an automobile theft claim.  Specifically, Mr. Regina reported his insured 2007 Audi A4 was stolen on/about November 18, 2020, when in fact he knew it was not stolen.
Civil Penalty: $3,500

Anthonny Torres, West Deptford, NJ
Order #21-51386-06, October 18, 2022
Respondent, Anthonny Torres, did knowingly provide materially false information to Geico Indemnity Company in pursuit of an auto theft claim that he reported had occurred on March 7, 2021. Specifically, Mr. Torres stated that his vehicle was stolen when, in fact, it was not.
Civil Penalty: $5,000

Ariel V. Nunez, Lodi, NJ
Order #21-53920-04, October 18, 2022
Respondent,  Ariel V. Nunez, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company when pursuing an auto property damage claim.  Specifically, Mr. Nunez stated that the damage to his vehicle occurred on August 10, 2021, when in fact this damage occurred sometime prior to him adding the coverage for the vehicle on July 7, 2021.
Civil Penalty: $1,000

Ethel Dean, Trenton, NJ
Order #22-52142-35, October 18, 2022
Respondent, Ethel Dean, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Corporation on May 20, 2021, when submitting an application for an automobile insurance policy.  Specifically, the Respondent failed to disclose another individual as the primary operator of the vehicles listed on her policy.  
Civil Penalty: $1,500

Matthew J. Lazzarott, Jersey City, NJ
Order #22-52621-04, October 18, 2022
Respondent, Matthew J. Lazzarotti, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on July 12, 2022, while pursuing an auto property damage claim.  Specifically, Mr. Lazzarotti stated that the damage to his vehicle occurred on July 12, 2022, when in fact the incident took place on July 5, 2022, before he added the appropriate comprehensive coverage to the policy.
Civil Penalty: $1,000

Liliana Almeida, Miami, FL
Order #20-50748-33, October 26, 2022
Respondent, Liliana Almeida, did knowingly conceal pertinent information from Travelers Indemnity Insurance Company when collecting on lifetime workers compensation monthly benefits from 1989 to 2019, as a result of her first husband's death.  Specifically, Ms. Almeida, when providing numerous benefit affidavits, failed to disclose that she had remarried on October 8, 1992, which would’ve discontinued her collecting on this claim.
Civil Penalty: $5,000

Travis Custis-Mitchell, Paulsboro, NJ
Order #20-54000-03, October 26, 2022
Respondent, Travis Custis-Mitchell, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on October 1, 2020, by reporting the purported theft of his insured vehicle, when, in fact, the vehicle was in possession of a co-conspirator.
Civil Penalty: $3,500.00

Gareth Segree, Yonkers, NY
Order #21-51479-35, October 26, 2022
Respondent,  Gareth Segree, knowingly provided false and misleading information to Progressive Insurance Company on an automobile insurance application dated January 18, 2021. Specifically, Mr. Segree indicated that he garaged his vehicle in Paterson, NJ, when in fact he garaged his vehicle in Yonkers, NY.
Civil Penalty: $1,500

Charles C. Missoh, Brooklyn, NY
Order #21-53581-31, October 26, 2022
Respondent, Charles C. Missoh, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto application dated October 28, 2020.  Specifically, Mr. Missoh provided a New Jersey home address, when in fact, he primarily resides and garages his vehicles in New York.
Civil Penalty: $2,500

Perla Jacinto, North Brunswick, NJ
Order #22-50726-51, October 26, 2022
Respondent, Perla Jacinto, did knowingly provide materially false and misleading information to Progressive Insurance Company on February 11, 2022, at 2:30 p.m., on a statement of no loss, by stating that her policy vehicle had not been involved in any accidents since the policy canceled on January 20, 2022 when, in fact, it had been involved in an accident on February 11, 2022 at 1:34 p.m., prior to reinstatement of the policy.
Civil Penalty: $2,500

Elio Pazos, Elizabeth, NJ
Order #22-51014-35, October 26, 2022
Respondent, Elio Pazos, did knowingly provide false and misleading information on his auto insurance application with Progressive Insurance Company on November 1, 2021 by failing to disclose an additional household resident.
Civil Penalty: $1,500

Joseph Blaszka, Barnegat, NJ
Order #22-51607-51, October 26, 2022
Respondent, Joseph Blaszka, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company during a statement of no loss when he stated that no person or vehicle listed on his automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on April 24, 2022 at 12:01 a.m. and the statement of no loss date of April 29, 2022 at 6:55 a.m. when, in fact, the Respondent was involved in an automobile accident during the lapse period. This resulted in a third-party claim being filed.
Civil Penalty: $2,500

Robert R. Reuter II, Leonardo, NJ
Order #22-51609-35, October 26, 2022
Respondent, Robert R. Reuter, II, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company during recorded phone calls on September 30, 2016, July 11, 2017, March 28, 2019 and March 15, 2022, by failing to disclose an additional operator and resident in his household.
Civil Penalty: $1,500

Aliyah Terry, Lakehurst, NJ
Order #21-51949-31, September 6, 2022
Respondent, Aliyah Terry, knowingly conspired with another individual to provide false and misleading information to Progressive Insurance Company in reference to the garaging location of one of the policy vehicles indicating that the vehicle was garaged in Lakehurst, NJ when, in fact, the vehicle was garaged in Newark, NJ.  The conspiracy resulted in the vehicle being added to the policy on January 16, 2021, and other subsequent dates.  Furthermore, Aliyah Terry knowingly provided false information in reference to the garaging location to Progressive Insurance Company during a recorded claim call on May 20, 2021.
Civil Penalty: $2,500

Darren Brown, New Brunswick, NJ
Order #21-54363-04, September 13, 2022
Respondent, Darren Brown, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when he lowered his deductible on his automobile insurance policy from $2,000 to $250 on November 24, 2021, and then submitted an auto property damage claim stating that the loss occurred on December 3, 2021 when, in fact, said loss occurred prior to him lowering the deductible.
Civil Penalty: $1,500

Ashley Vansanten, Forked River, NJ
Order #22-50631-47, September 13, 2022
Respondent, Ashley Vansanten, did knowingly provide materially false information to Nationwide Mutual Insurance Company on an initial pet insurance application dated August 17, 2021.  Specifically, she failed to disclose a pre-existing medical condition for her cat.
Civil Penalty: $1,500

Annmarie McCormack, Austin, TX
Order #22-50716-04, September 13, 2022
Respondent, Annmarie McCormack, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 7, 2022, and during subsequent calls, in support of an automobile property damage claim.  Specifically, the Respondent indicated that the loss occurred after lowering her comprehensive and collision deductibles when, in fact, the loss occurred prior to the policy change.Civil Penalty: $2,500

Chester W. Jastremski, Wildwood, NJ
Order #22-51118-35, September 13, 2022
Respondent, Chester W. Jastremski, did knowingly provide materially false information on two (2) web on-line policy amendment submissions to New Jersey Manufacturers Insurance Company on May 19, 2021, and July 2, 2021, by failing to disclose an additional household member and operator of the insured vehicle(s).
Civil Penalty: $1,500

Viktoria Orehovszki, Lakewood, NJ
Order #22-51745-48, September 14, 2022
Respondent, Viktoria Orehovszki, did knowingly provide materially false information on an application for automobile insurance to Peak Property & Casualty Corporation on April 1, 2021, and on various other dates during recorded interviews, by indicating she was a resident of Florida, when, in fact, she resided in Lakewood, NJ.
Civil Penalty: $2,500

Samerh M. Khalil, Cliffside Park, NJ
Order #21-52026-35, September 20, 2022
Respondent, Samerh M. Khalil, did knowingly provide materially false information on an auto application with Plymouth Rock Assurance Company dated June 11, 2020.  Specifically, Ms. Khalil failed to disclose all household members and licensed drivers with access to policy vehicles.
Civil Penalty: $1,500

Chris Walton, Neptune City, NJ
Order #21-52406-04, September 20, 2022
Respondent, Chris Walton, did knowingly provide false and misleading information to Progressive Insurance Company on July 10, 2021, when he filed a claim and indicated the loss occurred on July 1, 2021, when, in fact, the damage occurred prior to that date.  Furthermore, Chris Walton knowingly provided false and misleading information on two recorded calls on July 12, 2021 and July 13, 2021, when he stated there was no pre-existing damage on the insured vehicle.
Civil Penalty: $3,500

Jose Alvarez, Elizabeth, NJ
Order #22-51606-35, September 20, 2022
Respondent, Jose Alvarez, did knowingly provide materially false and misleading information to the Plymouth Rock Assurance Companies on an application for auto insurance dated March 29, 2019, by failing to disclose a household resident and operator of a policy vehicle.
Civil Penalty: $1,500

Barakat Arogundade, Newark, NJ
Order #21-52110-35, September 22, 2022
Respondent, Barakat Arogundade, knowingly provided materially false and misleading information to GEICO Insurance Company when she provided a first notice of loss on March 9, 2021, and during a recorded statement on March 15, 2021 by stating that a loss occurred to her policy vehicle on March 9, 2021 at 9:00 p.m. when, in fact, the loss occurred on March 9, 2021 at 6:38 p.m., which was prior to her vehicle being added to the policy which occurred on March 9, 2021 at 7:41 p.m.
Civil Penalty: $1,500

Ihab M. Musa, Piscataway, NJ
Order #22-51567-04, September 22, 2022
Respondent, Ihab M. Musa, did knowingly provide materially false Information to Progressive Insurance Company on April 8, 2022 relative to an automobile glass damage claim by stating that the loss occurred on April 4, 2022 after he added glass coverage with a $50 deductible to his policy when, in fact, it occurred prior to the coverage change. Respondent, Ihab M. Musa, did knowingly provide materially false information to GEICO relative to an automobile glass damage claim on May 9, 2022 and in a subsequent recorded statement by stating that the loss occurred on May 5, 2022 after he obtained the automobile policy when, in fact, it occurred prior to the policy inception.
Civil Penalty: $1,500

Joemo C. Williams, Flushing, NY
Order #20-54462-31, September 27, 2022
Respondent, Joemo C. Williams, knowingly made false and misleading statements on an application for automobile insurance with the Progressive Group of Insurance Companies dated February 1, 2020 and on a renewal policy declaration dated July 3, 2020.  Specifically, Mr. Williams indicated that he resided and garaged his vehicle in New Jersey, when in fact, he resided and garaged his vehicle in New York. Civil Penalty: $2,500

Louise Geneus, Spring Valley, NY
Order #21-51445-31, September 27, 2022
Respondent, Louise Geneus, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated September 4, 2020.  Specifically, Louise Geneus stated her residence was in West Orange, NJ, when in fact, she resided in New York.
Civil Penalty: $2,500

Larisha Tillmon-Jones, Trenton, NJ
Order #21-52807-35, September 27, 2022
Respondent, Larisha Tillmon-Jones, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on June 24, 2021.  Specifically, she provided a false statement of no loss indicating she had no losses during the lapse period, when in fact, she was involved in an automobile loss during the lapse period.  Additionally, this resulted in a third-party claim being filed.
Civil Penalty: $2,500

Paul Gallagher, Sicklerville, NJ
Order #22-51145-08, September 27, 2022
Respondent, Paul Gallagher, did knowingly provide materially false information to the Progressive Group of Insurance Companies on April 4, 2022, in the first notice of loss by reporting a false date of loss for his automobile claim, knowing the loss occurred prior to adding the comprehensive coverage to the policy.
Civil Penalty: $3,500

Morgan Rayca, Cinnaminson, NJ
Order #22-51217-04, September 27, 2022
Respondent, Morgan Rayca, did knowingly provide materially false information to Progressive Garden State Insurance Company on April 4, 2022, in support of her automobile claim, by indicating the loss occurred after she lowered her comprehensive and collision deductibles, when, in fact, the damage occurred prior to the deductibles being lowered.
Civil Penalty: $2,500

Katherin D. Marroquin-Mendoza, Trenton, NJ
Order #22-51503-35, September 27, 2022
Respondent, Katherin D. Marroquin-Mendoza, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during recorded policy amendments on July 8, 2020 and July 9, 2020, and on ten (10) web on-line submissions on various dates, by failing to disclose an additional household member and operator of the insured vehicle(s).
Civil Penalty: $1,500

Celia Green-Minus, Trenton, NJ
Order #22-51509-04, September 27, 2022
Respondent, Celia Green-Minus, did knowingly provide materially false information to the Progressive Group of Insurance Companies on April 14, 2022, relative to an automobile claim by stating that her vehicle was damaged on April 9, 2022, when, in fact, the vehicle was damaged prior to the policy inception.
Civil Penalty: $2,500

Amedeo Rufino, Eastampton, NJ
Order #22-51136-35, August 3, 2022
Respondent, Amedeo Rufino, did knowingly provide materially false information on six (6) web on-line policy amendments submissions on various dates and two (2) recorded telephone calls to New Jersey Manufacturers Insurance Company on March 27, 2021, by relaying there are no other household drivers, when, in fact, he failed to disclose an additional household member and operator of the insured vehicle(s).
Civil Penalty: $2,500

Gualverto Ventura-Ventura, Cherry Hill, NJ
Order #22-51315-35, August 3, 2022
Respondent, Gualverto Ventura-Ventura, did knowingly provide materially false information on an automobile insurance application to Progressive Drive New Jersey Insurance Company on January 6, 2022, by failing to disclose all additional household members and operators of the insured vehicle.
Civil Penalty: $1,500

Leonides Lopez Zacatula, Rahway, NJ
Order #22-51251-35, August 4, 2022
Respondent, Leonides Lopez Zacatula, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on the application for auto insurance dated October 9, 2021, by not listing another operator and household resident.
Civil Penalty: $1,500

Arthur Gibbs, Las Vegas, NV
Order #19-54003-35, August 11, 2022
Respondent, Arthur Gibbs, knowingly provided false and misleading statements on an auto application presented to the New Jersey Manufacturers Insurance Company dated December 28, 2018, as well as on subsequent declaration actions.  Specifically, Mr. Gibbs failed to disclose the true ownership and garaging location of the policy vehicles and well as additional drivers.
Civil Penalty: $2,000

Marquis Matthews, Paterson, NJ
Order #20-50759-03, August 11, 2022
Respondent, Marquis Matthews, did knowingly provide false and misleading statements in pursuit of an auto theft claim with the Progressive Insurance Company dated November 19, 2019.  Specifically, Mr. Matthews stated that his vehicle was stolen, when in fact, this was not true.
Civil Penalty: $5,000

Marilu F. Laines, Elizabeth, NJ
Order #19-53024-05, August 23, 2022
Respondent, Marilu F. Laines, did knowingly provide a false and misleading statement to New Jersey Manufacturers Insurance Company on July 11, 2019.  Specifically, she stated she took a picture of the other vehicle, a Hyundai Santa Fe, involved in the accident and did not know how her husband came to the scene of the accident.  In fact, her husband came to the scene in the Toyota Rav 4, and he took the photo submitted of the other vehicle, the Hyundai Santa Fe from his Toyota Rav 4.
Civil Penalty: $1,000

Terry V. Bazemore, Passaic, NJ
Order #19-53864-35, August 23, 2022
Respondent, Terry V. Bazemore, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company on several automobile renewal declarations, as well as, on an automobile renewal questionnaire dated July 7, 2018.  Specifically, Ms. Bazemore failed to disclose a licensed resident driver.
Civil Penalty: $1,500

Stella S. Aurora, Hoboken, NJ
Order #20-53633-35, August 23, 2022
Respondent, Stella S. Aurora, did knowingly provide a false and misleading statement to Geico Insurance dated October 27, 2019, specifically, by stating her 2019 BMW was garaged at 211 10th Street, Apt. 1, Hoboken, NJ 07030, when, in fact, she knew the car was garaged at a location in West New York, NJ; and Respondent, Stella S. Aurora did knowingly provide a false and misleading statement to Geico Insurance dated October 27, 2019, specifically, by stating that Richard J. Hamedl would not have access to her 2019 BMW, when, in fact, he had a set of keys to the car and it was garaged at his West New York, NJ location.
Civil Penalty: $1,500

Akeyia Eason, Paterson, NJ
Order #21-50333-04, August 23, 2022
Respondent, Akeyia Eason, did knowingly make a material misrepresentation to Progressive Insurance Company in support of a claim during a recorded interview on January 29, 2021 when she stated that the policy vehicle was given to another individual on January 16, 2021 at 5 p.m. when, in fact, the policy vehicle was involved in an accident on January 16, 2021 at 6:34 a.m. prior to the policy inception.
Civil Penalty: $2,500

Jajuan Eason, Paterson, NJ
Order #21-50333-04, August 23, 2022
Respondent, Jajuan Eason, did knowingly make a material misrepresentation to Progressive Insurance Company on January 16, 2021, when he knowingly provided false information while applying for an automobile insurance policy in another individual's name and failed to disclose himself on the policy application as a resident relative and driver of the policy vehicle.  Furthermore, Respondent knowingly provided false and misleading information to Progressive Insurance Company in support of a claim on January 21, 2021 during a recorded interview when he stated that the accident occurred on January 16, 2021 at 6:30 p.m., when, in fact, the accident occurred at 6:34 a.m. prior to the inception of the policy.
Civil Penalty: $5,000

Sheilly A. Ospino, Brooklyn, NY
Order #21-51567-31, August 23, 2022
Respondent, Sheilly A. Ospino. knowingly conspired with another individual to provide false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance application dated April 12, 2021 by securing a policy with a New Jersey residential address, when in fact, the actual residence and the true garaging location of the vehicle were in New York; and Respondent, Sheilly A. Ospino, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on June 14, 2021 by stating that the insured vehicle was involved in an accident on June 3, 2021, when in fact, the accident occurred after the policy cancellation effective date of June 4, 2021 (12:01 a.m.).
Civil Penalty: $2,500

Manuel Alonso, Barnegat, NJ
Order #22-50086-35, August 23, 2022
Respondent, Manuel Alonso, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies in support of an automobile glass claim on December 20, 2021, by stating that the damage occurred after he added a $50 glass deductible to his policy, when, in fact, the damage occurred prior to the coverage being added.
Civil Penalty: $2,000

lrida Ruci, Short Hills, NJ
Order #22·50976-04, August 23, 2022
Respondent, lrida Ruci, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on March 9, 2022, in pursuit of an automobile claim.  Specifically, Ms. Ruci indicated that a loss occurred after adding comprehensive and collision coverage to her policy on March 2, 2022 when, in fact, the loss occurred prior to the change in coverage.
Civil Penalty: $2,500

Samantha E. Rufino, Eastampton, NJ
Order #22-51136-35, August 23, 2022
Respondent, Samantha  E. Rufino, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during a recorded telephone call on January 4, 2022, by reporting the insured vehicle was struck while parked in a ShopRite parking lot on December 24, 2021, when, in fact, she was involved in an at-fault, chargeable rear-end collision with another vehicle on December 23, 2021.
Civil Penalty: $2,500

Ricardo Armand, Montvale, NJ
Order #18-51063-12, August 25, 2022
Respondent, Ricardo Armand,  knowingly provided false and misleading documentation to the United Services Automobile Associates [USAA] Insurance Company, in support of a homeowners insurance claim dated November 10, 2017.  Specifically, Mr. Armand provided an altered appraisal form for an alleged stolen one-piece platinum diamond engagement ring which reflected an inflated value.
Civil Penalty: $2,800

Nehemias Grullon, Totowa, NJ
Order #21-54510-04, August 25, 2022
Respondent, Nehemias Grullon, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an auto property damage claim.  Specifically, Mr. Grullon reported that his vehicle was damaged on October 31, 2021, when in fact, his vehicle was damaged prior to him lowering his comprehensive and collision deductibles on October 30, 2021.
Civil Penalty: $3,000

Nicole M. Toledo, New York, NY
Order #21-53294-31, August 31, 2022
Respondent, Nicole M. Toledo, did knowingly provide materially false information on an application for auto insurance with Progressive dated June 20, 2021, by falsely claiming she lived at 102 South Burnett Street, East Orange, NJ 07018, when she actually lived at 3333 Broadway Avenue, Apartment C3K, New York, NY 10031.
Civil Penalty: $1,500

Lucas Freire, Staten Island, NY
Order #21-53308-35, August 31, 2022
Respondent, Lucas Freire, did knowingly provide materially false information to Progressive Insurance Company on an automobile insurance policy application dated December 5, 2020, by indicating the policy address and garaging location of the insured vehicle was in Rahway, NJ when, in fact, the insured resided and garaged his vehicle in New York.
Civil Penalty: $2,500

Charles Mendes, Newark, NJ
Order #21-54316-35, August 31, 2022
Respondent, Charles Mendes, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company during a recorded call on January 13, 2021, by failing to disclose that another individual was a licensed household resident.
Civil Penalty: $1,500

Jenq Kang Chu, Bridgewater, NJ
Order #22-50818-10, August 31, 2022
Respondent, Jenq Kang Chu, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company in recorded phone calls on October 20, 2020, October 21, 2020 and November 11, 2020, when he reported that a loss had occurred on October 17, 2020 when, in fact, the loss occurred prior to him lowering his deductible on October 5, 2020.
Civil Penalty: $1,500

Henry Rosario,  Bloomfield, NJ
Order #22-51015-31, July 5, 2022
Respondent, Henry Rosario, did knowingly provide materially false information on an initial application for automobile insurance on September 21, 2021, and in subsequent other conversations with the Progressive Group of Insurance Companies.  Specifically, Mr. Rosario indicated that he resided in, and garaged his policy vehicle(s) in Lodi, NJ, when, in fact, he resided and garaged his policy vehicle(s) in Bronx, NY.
Civil Penalty: $2,500

Daisy Carreras, Hoboken, NJ
Order #18-53765-35, July 11, 2022
Respondent, Daisy Carreras, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company in pursuance of a personal automobile policy that was bound on January 6, 2017.  Specifically, Ms. Carreras conspired with another individual to obtain an insurance policy and conceal the true owner, registrant, primary operator, and garaging location of a 2016 Jeep Cherokee policy vehicle.
Civil Penalty: $1,500

Manuel Sanchez, Fairview, NJ
Order #20-52130-04, July 11, 2022
Respondent, Manuel Sanchez, while in the course of employment with an auto repair facility, knowingly provided false and misleading information in support of an auto property damage claim submitted to Progressive Insurance Company on May 21, 2020.  Specifically, Mr. Sanchez provided a photograph showing a damaged radar sensor, when in fact, the actual part was not damaged.
Civil Penalty: $3,000

Michael Kiszka, East Hanover, NJ
Order #21-51492-39, July 11, 2022
Respondent, Michael Kiszka, knowingly provided false and misleading statements on an initial individual life insurance application with Pruco Life Insurance Company, dated January 4, 2021.  Specifically, Mr. Kiszka answered "No" on a question stating, "within the past 10 years, have you been arrested, convicted or imprisoned for any crime and/or are you currently awaiting trial for any crime?", when in fact, this was not true.
Civil Penalty: $2,500

Kari L. Riddick, Princeton, NJ
Order #21-52582-04, July 11, 2022
Respondent, Kari L. Riddick, did knowingly provide false and misleading information to Progressive Insurance Company on June 27, 2021, when she reported a claim for glass damage as occurring on that date.  In addition, Respondent, Kari L. Riddick, provided false and misleading information in a subsequent recorded interview on July 1, 2021, by reporting the loss occurred after the policy inception date when, in fact, the loss occurred on May 20, 2021, prior to the inception of the policy.
Civil Penalty: $2,000 

Werner Waden, Rochelle Park, NJ
Order #19-53239-35, July 20, 2022
Respondent, Werner Waden, did knowingly provide materially false and misleading information to New Jersey  Manufacturers  Insurance Company  on January 17, 2019, when adding an additional driver and vehicle to his automobile insurance policy.  Specifically, the Respondent stated that the additional driver was a resident of his household, and that the vehicle would be garaged at his address, when, in fact, the additional driver did not reside with him, and the vehicle was kept at another location.
Civil Penalty: $2,500

Suemarie Solis, Passaic, NJ
Order #20-50838-04, July 20, 2022
Respondent, Suemarie Solis, knowingly provided false and misleading information to Plymouth Rock Insurance Company in pursuit of an auto property damage claim.  Specifically, Ms. Solis stated that she was involved in a crash on December 5, 2019 at 12:15 a.m., when in fact the accident took place on December 4, 2019 at approximately 11:15 p.m. which was prior to her purchasing the insurance coverage.
Civil Penalty: $3,500

Phira Noun, Ewing, NJ
Order #21-51893-35, July 20, 2022
Respondent, Phira Noun, did knowingly provide materially false information to Progressive Insurance Company during a statement of no loss on March 29, 2021.  Specifically, Ms. Noun indicated that her insured policy vehicle had not been involved in any accidents between the policy cancellation period of March 10, 2021 and March 29, 2021 when, in fact, the policy vehicle was involved in an accident on March 16, 2021.
Civil Penalty: $2,500

Chang S. Hwang and Columbia Auto Body, Palisades Park, NJ
Order #21-53216-04, July 20, 2022
Respondents, Chang S. Hwang and Columbia Auto Body, knowingly supplied false and misleading statements in pursuit of an auto property damage claim with Traveler's Insurance Company dated March 28, 2021.  Specifically, Chang S. Hwang and Columbia Auto Body supplied a fictitious invoice for reimbursement, indicating that they had purchased a new part for an auto repair, when in fact, this part was never purchased.
Civil Penalty: $3,500

Christopher T. Smith, Sr., South Plainfield, NJ
Order #22-50620-35, July 20, 2022
Respondent, Christopher T. Smith, Sr., knowingly provided false and misleading information on his application to Progressive Insurance Company for automobile insurance when filling out an application on February 10, 2021 by failing to disclose a licensed household member and frequent policy vehicle operator.
Civil Penalty: $1,500

Crystal Scheyder, Millville, NJ
Order #22-50646-47, July 20, 2022
Respondent, Crystal Scheyder, did knowingly provide materially false information to Lemonade Insurance Company on January 8, 2022, and January 14, 2022, by submitting fraudulent documents in support of two pet insurance claims. Additionally, Respondent failed to disclose a pre-existing medical condition for her dog in a recorded statement on February 8, 2022.
Civil Penalty: $2,000

Ari Zingillioglu, Amenia, NY
Order #22-51087-04, July 20, 2022
Respondent, Ari Zingillioglu, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 10, 2022, and during subsequent calls, in support of an auto property damage claim.  Specifically, the Respondent indicated that the loss occurred after renewing his policy with a lapse in coverage when, in fact, the loss occurred prior to his policy renewal and during the coverage lapse.
Civil Penalty: $2,500

Maxine Jones, Bridgeton, NJ
Order #22-51190-35, July 20, 2022
Respondent, Maxine Jones, did knowingly make material misrepresentations to CURE Auto Insurance Company. Specifically, on the July 28, 2021 renewal questionnaire, and during subsequent calls with the insurance company, the Respondent failed to disclose that the insured vehicle would be garaged in Virginia, instead of New Jersey.
Civil Penalty: $2,500

Patricia D. Slowik, Seaside Park, NJ
Order #22-51200-35, July 20, 2022
Respondent, Patricia D. Slowik, did knowingly provide materially false information on an automobile insurance application to Progressive Garden State Insurance Company on September 15, 2021, by failing to disclose another individual as a household member and operator of the insured vehicles.
Civil Penalty: $1,500

Diego Pretell, Forked River, NJ
Order #22-51112-04, July 26, 2022
Respondent, Diego Pretell, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on January 20, 2022, and on subsequent dates, in support of an automobile glass claim for his insured vehicle. Specifically, the Respondent stated that the damage to the vehicle occurred on January 18, 2022, when, in fact, the loss occurred on July 31, 2021, prior to the policy inception.
Civil Penalty: $2,000

Michelle Santiago, Port Norris, NJ
Order #22-51233-04, July 26, 2022
Respondent, Michelle Santiago, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on April 5, 2022, in support of an automobile glass damage claim for her insured vehicle. Specifically, the Respondent stated that the damage to the vehicle occurred on April 4, 2022, when, in fact, the loss occurred prior to her adding comprehensive coverage with a $50 glass deductible to her policy on March 26, 2022.
Civil Penalty: $2,000

Mone Nash-Hall, Burlington, NJ
Order #22-51266-04, July 26, 2022
Respondent, Mone Nash-Hall, did knowingly provide materially false information to the Progressive Group of Insurance Companies on March 15, 2022, in the first notice of loss and on a subsequent date in support of an automobile property damage claim.  Respondent stated that the loss occurred after she obtained her automobile policy when, in fact, she knew the loss occurred prior to the inception of the policy.
Civil Penalty: $2,500

Kristi Matthews, Manchester, NJ
Order #22-51884-35, July 26, 2022
Respondent, Kristi Matthews, did knowingly provide materially false and misleading information to CURE Auto Insurance Company on March 4, 2022, when adding a vehicle to her automobile insurance policy.  Specifically, the Respondent stated that additional drivers listed on her policy were residents of her household and that the vehicle would be garaged at her policy address, when, in fact, the additional drivers did not reside with her and the vehicle was kept at another location.
Civil Penalty: $1,500

Jose Cruz-Melendez, Plainfield, NJ
Order #21-54462-35, July 26, 2022
Respondent, Jose Cruz-Melendez, did knowingly provide false and misleading information on his auto application with Progressive Insurance on July 20, 2021; specifically, by failing to disclose his son as an additional resident/driver in his household.
Civil Penalty: $1,500

Donte N. Ruddock, Paterson, NJ
Order #21-50019-35, July 28, 2022
Respondent, Donte N. Ruddock, knowingly provided a materially false statement to CURE Insurance Company on an auto policy application dated September 30, 2020.  Specifically, Mr. Ruddock failed to disclose all household members.
Civil Penalty: $1,500

Felix D. Hinojosa, Lincoln Park, NJ
Order #21-50110-09, July 28, 2022
Respondent, Felix D. Hinojosa, knowingly provided false and misleading information to CURE Insurance Company on an automobile insurance policy. Specifically, Mr. Hinojosa failed to disclose that his personal vehicle would be used for business purposes on a policy renewal declaration dated February 18, 2020; and Respondent knowingly provided false and misleading information to CURE Insurance Company when pursuing an auto property damage claim dated September 9, 2020. Specifically, Mr. Hinojosa stated that he was not using the policy vehicle for business purposes at the time of the accident, when in fact, he was providing livery services.
Civil Penalty: $3,500

Jamie Squillare, Colts Neck, NJ
Order #21-54453-34, June 2, 2022
Respondent, Jamie Squillare, did knowingly provide materially false and misleading information to AIG Travel Guard Insurance Company on September 16, 2021 and October 11, 2021, by providing forged doctor's notes in support of a claim.
Civil Penalty: $2,500

Zeeshan Naveed, Bayonne, NJ
Order #21-51154-35, June 10, 2022
Respondent, Zeeshan Naveed, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company.  Specifically, Mr. Naveed failed to disclose a licensed resident driver when applying for an automobile insurance policy on April 15, 2019 and during a First Notice of Loss claim call on March 2, 2020.
Civil Penalty: $1,500

Rosario M. Soriano, Jersey City, NJ
Order #21-51930-35, June 10, 2022
Respondent, Rosario M. Soriano, knowingly provided false and misleading information on an automobile insurance application presented to Plymouth Rock Insurance Company dated March 11, 2020.  Specifically, Ms. Soriano failed to disclose all licensed household resident drivers.
Civil Penalty: $1,500

Rainelle Berry, Maplewood, NJ
Order #21-53087-04, June 10, 2022
Respondent, Rainelle Berry, submitted an automobile insurance claim to Progressive Insurance Company which contained false and misleading information.  Specifically, Ms. Berry claimed that windshield damage occurred on August 25, 2021, when in fact, the loss occurred on August 1, 2021, which was prior to her lowering her glass deductible.
Civil Penalty: $1,000

Cynthia Critelli, Hillsborough, NJ
Order #21-53122-10, June 10, 2022
Respondent, Cynthia Critelli, knowingly provided false and misleading information in pursuit of a renter's insurance claim submitted to USAA Group Insurance Company.  Specifically, Ms. Critelli stated that the loss occurred on September 2, 2021 when, in fact, it happened on September 1, 2021, before she obtained renter’s insurance with USAA Group Insurance Company.
Civil Penalty: $1,500

Sol G. Martinez, Trenton, NJ
Order #22-50555-04, June 10, 2022
Respondent, Sol G. Martinez, did knowingly provide materially false information to Progressive Garden State Insurance Company on January 16, 2022, and on subsequent dates in support of an automobile claim, by reporting her vehicle was struck while parked at 5:00 a.m., when, in fact, the vehicle was struck at 3:48 a.m. January 16, 2022, prior to the inception of the policy.
Civil Penalty: $3,500

Godwin Amofah, Newark, NJ
Order #22-50569-35, June 10, 2022
Respondent, Godwin Amofah, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an initial application for automobile insurance dated February 27, 2021, and in a recorded phone call while filing a claim, by stating that he resided in Lakewood, NJ, when, in fact, he resided in Newark, NJ.
Civil Penalty: $2,500

Aljon Santiago, Egg Harbor Township, NJ
Order #22-51236-04, June 10, 2022
Respondent, Aljon Santiago, did knowingly provide materially false information to the Progressive Group of Insurance Companies on March 16, 2022, and on a subsequent date in support of an automobile glass damage claim.  Specifically, the Respondent stated the damages to his vehicle occurred after he lowered the comprehensive deductible and added glass coverage with a $50 deductible, when, in fact, it occurred prior.
Civil Penalty: $2,000

Miguel Mateo, Clifton, NJ
Order #20-53617-51, June 22, 2022
Respondent, Miguel Mateo, did knowingly make false and misleading statements to the Progressive Group of Insurance Companies when reinstating his automobile insurance policy on a statement of no loss.  Specifically, Mr. Mateo stated that he wasn't involved in any accidents, or incurred damage to his vehicle between September 9, 2020, and September 11, 2020, when in fact this was not true.
Civil Penalty: $2,500

Antoinett Whitley, Long Branch, NJ
Order #21-51051-35, June 22, 2022
Respondent, Antoinett Whitley, knowingly provided false and misleading information on an application for automobile insurance with Progressive Insurance Company dated July 24, 2020, by failing to disclose licensed drivers and/or household residents.
Civil Penalty: $1,500

Daniela Rodriguez, Phillipsburg, NJ
Order #21-51868-35, June 22, 2022
Respondent, Daniela Rodriguez, did knowingly provide materially false information to GEICO on May 29, 2021 at 11:01 a.m. by indicating that her vehicle was involved in a loss on May 29, 2021 at 9 a.m. when, in fact, the loss occurred on May 28, 2021, prior to the policy reinstatement.
Civil Penalty: $1,500

Leidy T. Cardenas-Lopera, Paterson, NJ
Order #21-52243-35, June 22, 2022
Respondent, Leidy T. Cardenas-Lopera, did knowingly provide false and misleading information to CURE Insurance Company on an automobile insurance policy application dated June 17, 2020, and on a subsequent policy renewal declaration effective December 23, 2020.  Specifically, Ms. Cardenas-Lopera failed to disclose a customary operator of her insured policy vehicles.
Civil Penalty: $1,500

Claudette J. Zayas, Elmwood Park, NJ
Order #21-54277-03, June 22, 2022
Respondent, Claudette Zayas, conspiring with another individual, knowingly provided false and misleading statements when pursuing an auto property damage claim with Plymouth Rock Insurance Company dated January 17, 2020.  Specifically, Ms. Zayas claimed that her vehicle was damaged while it was parked in a lot in Garfield, NJ, when in fact she and the other individual staged the accident. Respondent, Claudette Zayas, knowingly provided false and misleading statements in pursuit of an auto theft claim with Plymouth Rock Insurance Company dated February 20, 2020.  Specifically, Ms. Zayas stated that her rental vehicle was stolen from a parking lot in Clifton, NJ, when in fact she knew that the vehicle was not stolen, but was previously involved in a hit and run motor vehicle accident on January 30, 2020, and then left abandoned in that parking lot.
Civil Penalty: $10,000

Evelyse Neal, Brick, NJ
Order #22-50344-35, June 22, 2022
Evelyse Neal, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on January 19, 2022, in a recorded phone call in support of an automobile property damage claim for an accident that occurred on December 23, 2021, by stating that the loss occurred after she incepted the policy, when, in fact, it occurred prior.  Additionally, this misrepresentation resulted in a third-party claim being filed.
Civil Penalty: $2,500

Mark Babenko, Vineland, NJ
Order #20-53258-05, June 23, 2022
Respondent, Mark Babenko, did knowingly make materially false statements to CSAA Insurance Company on April 4, 2019, by stating that a vehicle on his personal automobile policy and being operated by another individual was not being used for commercial purposes when it was involved in a loss on December 28, 2018, when, in fact, it was. Additionally, a third-party claim was filed.
Civil Penalty: $5,000

Jeremiah Clarke, Jr., Toms River, NJ
Order #22-51146-04, June 23, 2022
Respondent, Jeremiah Clarke, Jr., did knowingly provide materially false information to the Progressive Group of Insurance Companies on March 25, 2022, in support of an automobile property damage claim.  Specifically, he stated that the loss occurred on March 25, 2022, after the inception of his automobile policy, when, in fact, it occurred prior.
Civil Penalty: $2,500

Axel Rodriguez, Tampa, FL
Order #21-50470-35, June 27, 2022
Respondent, Axel Rodriguez, did knowingly provide materially false information to Progressive Garden State Insurance Company on his automobile application dated November 21, 2020, by failing to disclose another individual as a driver and household resident on the automobile policy.
Civil Penalty: $1,500

June A. Benzing, East Rutherford, NJ
Order #21-52763-35, June 27, 2022
Respondent, June A. Benzing, knowingly supplied false and misleading information to CURE Auto Insurance during a recorded call on June 21, 2019, when she failed to disclose an operator of one of her policy vehicles and its alternate garaging location.  Furthermore, Respondent failed to respond to household member/driver letters verifying residents and drivers of the insured vehicles, mailed by CURE Auto Insurance on June 22, 2019, October 29, 2019, April 28, 2020, October 28, 2020, and April 28, 2021.  Additionally, Respondent provided false information to CURE Auto Insurance Company during a claim call on June 22, 2021, when she stated that she was the primary driver of one of the policy vehicles.
Civil Penalty: $5,000

Yolaury R. Uribe, Bayonne, NJ
Order #21-51831-04, June 28, 2022
Respondent, Yolaury A. Uribe, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company when pursing an auto property damage claim on May 20, 2021.  Specifically, Ms. Uribe lowered her comprehensive deductible on May 11, 2021 and then submitted a claim stating that her vehicle had sustained damage on May 15, 2021, when in fact, the damage was pre-existing and occurred prior to the policy change.
Civil Penalty: $3,000

Katie L. McCall, Newark, NJ
Order #20-51984-03, June 29, 2022
Respondent, Katie L. McCall, did knowingly provide a false and misleading statement to Progressive Insurance Company dated April 7, 2020, specifically, by stating she saw the motorcycle belonging to Mr. Wright the day prior to the theft he reported, and she and Mr. Wright went to South Jersey to pick up the motorcycle.  In fact, she did not see the motorcycle prior to the theft, and she did not go with Mr. Wright to South Jersey to pick up the bike on March 25, 2020.
Civil Penalty: $1,000

Marquis Sturdivant, North Plainfield, NJ
Order #21-53936-04, June 29, 2022
Respondent, Marquis Sturdivant, did knowingly provide materially false and misleading information to Progressive Insurance Company in an online loss report on October 16, 2021 and in a recorded statement on October 21, 2021, by stating that his vehicle sustained damage on October 12, 2021 when, in fact, the damage occurred on September 28, 2021, prior to lowering the collision deductible.
Civil Penalty: $2,000

Raul Velazquez, Bound Brook, NJ
Order #20-53720-35, June 29, 2022
Respondent, Raul Velazquez, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on March 10, 2020 by stating he co-owned the insured vehicle.
Civil Penalty: $1,500

Betty Maven, Vineland, NJ
Order #20-52462-35, May 2, 2022
Respondent, Betty Maven, did knowingly provide materially false information to the Progressive Group of Insurance Companies on her automobile application dated July 30, 2019, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Sandra Iwanicki, Newton, NJ
Order #20-54261-35, May 4, 2022
Respondent, Sandra Iwanicki, knowingly provided false and misleading statements on an application for automobile insurance with Plymouth Rock Assurance dated June 27, 2019; specifically by failing to disclose a licensed household resident, as well as the fact that she was married.
Civil Penalty: $1,500

Pascal Estriplet, Orange, NJ
Order #20-54733-04, May 4, 2022
Respondent, Pascal Estriplet, knowingly provided false and misleading statements on an auto property damage claim with Progressive Insurance Company. Specifically, Mr. Estriplet stated that his motor vehicle accident occurred on November 30, 2020, at 1:03 p.m., when in fact, the accident occurred earlier that day prior to the policy inception.
Civil Penalty: $3,500

Michael Schreckenstein, Lyndhurst, NJ
Order #21-52667-35, May 4, 2022
Respondent, Michael Schreckenstein, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Group on March 11, 2021.  Specifically, Mr. Schreckenstein stated that an individual was removed from his policy on November 18, 2019 because she no longer resided at the policy address or operated an insured vehicle, when in fact, this was not true.
Civil Penalty: $1,500

Jeanne Gladis, Milford, NJ
Order #21-51594-04, May 5, 2022
Respondent, Jeanne Gladis, knowingly submitted an automobile insurance claim to Progressive Insurance Company which contained false and misleading information. Specifically, Ms. Gladis submitted a windshield damage claim with an April 23, 2021 date of loss and denied any prior windshield damage prior to her changing her deductible in a statement to Progressive Insurance Company on April 23, 2021 when, in fact, there was prior damage to her windshield.  It was determined that the damage to her windshield occurred on April 12, 2021 before she changed her comprehensive and collision deductible from $500 to $250 on her automobile policy.
Civil Penalty: $1,500

James Gibson, East Brunswick, NJ
Order #21-52650-04, May 5, 2022
Respondent, James Gibson, knowingly provided material and false information to Progressive Garden State Insurance Company on August 1, 2021 in a First Notice of Loss and in subsequent recording(s) by reporting he had an accident with his policy off-road vehicle on August 1, 2021, after he obtained the policy when, in fact, the loss occurred prior to the inception of the policy dated July 31, 2021.
Civil Penalty: $1,500

Jorge F. Niamamacias AKA Jorge Niama, Ridgefield, NJ
Order #21-52997-04, May 9, 2022
Respondent, Jorge F. Niamamacias AKA Jorge Niama, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on September 1, 2021 in a Statement of No Loss and subsequently on September 10, 2021 by providing a statement indicating that there was no damage to the policy vehicle prior to the policy reinstatement.
Civil Penalty: $2,500

Nyesha M. Little
Order #21-53165-10, May 9, 2022
Respondent, Nyesha M. Little, did knowingly provide materially false and misleading information to Allstate Insurance Company on September 9, 2021, by submitting an altered receipt in the amount of $1,563 in support of a claim.
Civil Penalty: $2,500

Sean T. Middleton, Jr., West Orange, NJ
Order #22-50475-04, May 9, 2022
Respondent, Sean T. Middleton, Jr., knowingly provided materially false and misleading information to Progressive Insurance Company on February 1, 2022 and February 2, 2022, when he reported the loss as having occurred on January 31, 2022 at 12:30 p.m. when, in fact, the loss actually occurred at 11:15 a.m., prior to the inception of his policy.
Civil Penalty: $1,500

Lorenzo Mayoral-Roman, Somerdale, NJ
Order #22-50659-35, May 16, 2022
Respondent, Lorenzo Mayoral-Roman, did knowingly provide materially false information to CURE Auto Insurance on an initial application for automobile insurance on February 28, 2020, and on a policy amendment dated October 27, 2020, by failing to disclose other individuals as drivers and the true garaging location of the policy vehicles.
Civil Penalty: $2,500

Gregory G. Vasil, Perth Amboy, NJ
Order #19-51009-33, May 20, 2022
Respondent, Gregory G. Vasil, did knowingly provide false and misleading information to New Jersey Manufacturers on December 11, 2018; specifically by stating he had no prior injuries to his right knee when, in fact, he had a partial tear in his right knee prior to his loss on December 4, 2018.
Civil Penalty: $2,000

Stephanie A. Mooney, Runnemede, NJ
Order #19-54631-24, May 20, 2022
Respondent, Stephanie A. Mooney, did knowingly provide false and misleading information to American Family Life Assurance Company (Aflac) in support of twenty­ three (23) invalid claims from January 04, 2016 to February 18, 2019 for services not rendered on those dates.
Civil Penalty: $5,000 

Tameeka M. Brown, Newark, NJ
Order #20-53538-04, May 20, 2022
Respondent, Tameeka M. Brown, knowingly provided false and misleading information to Progressive Insurance Company on September 4, 2020 when pursuing an automobile property damage claim. Specifically, Ms. Brown stated that she was involved in an accident on September 2, 2020 at 1:30 a.m., when in fact the accident occurred on September 1, 2020 at 11:35 p.m., which was prior to the policy inception.
Civil Penalty: $3,000

Cameisha Graham, Keansburg, NJ
Order #20-53705-04, May 20, 2022
Respondent, Cameisha Graham, knowingly provided materially false and misleading information to CURE Insurance Company when she submitted an auto property damage claim purporting that the loss occurred on September 11, 2020 when, in fact, the loss occurred on September 9, 2020, which was prior to the inception of her automobile insurance policy.
Civil Penalty: $2,500

Amelia R. Schwegler, Newark, NJ
Order #21-54487-35, May 20, 2022
Respondent, Amelia R. Schwegler, did knowingly provide false and misleading information on her auto application with Cure Insurance on July 21, 2021, specifically by failing to disclose her boyfriend as an additional resident/driver in her household; and Respondent, Amelia R. Schwegler, did knowingly provide false and misleading information to Cure Insurance on December 3, 2021, specifically by stating her 2013 BMW was not damaged during Hurricane Ida when, in fact, the car was taken to BMW of Bloomfield on September 3, 2021, for damage sustained in a flash flood.
Civil Penalty: $3,500

Shawnnika Brown, Sicklerville, NJ
Order #20-50670-04, May 23, 2022
Respondent, Shawnnika Brown, did knowingly provide materially false information to the Progressive Group of Insurance Companies on January 20, 2020, by reporting an incorrect date of loss, knowing that the loss occurred prior to the inception of her automobile policy.
Civil Penalty: $2,500

Menachem Leonorovitz, Brooklyn, NY
Order #21-50144-35, May 23, 2022
Respondent, Menachem Leonorovitz, did knowingly present false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated May 21, 2020, and in subsequent phone conversations by failing to disclose an additional operator and the true garaging location of the policy vehicle.
Civil Penalty: $2,500

Vanessa Graham, Trenton, NJ
Order #21-53071-04, May 23, 2022
Respondent, Vanessa Graham, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies beginning on September 11, 2021, and in further recorded statements and/or submission of information in support of an automobile glass damage claim.  Respondent reported that the loss occurred on September 10, 2021, when, in fact, the loss occurred on or before September 1, 2021, which was prior to her adding glass coverage with a $50 deductible.
Civil Penalty: $2,000

Tamara Alekseyeva, Trenton, NJ
Order #21-53444-04, May 23, 2022
Respondent, Tamara Alekseyeva, did knowingly provide materially false information to the Progressive Group of Insurance Companies on August 22, 2021, and in a subsequent recorded statement in support of an automobile glass damage claim.  Specifically, she stated the damage to her vehicle occurred after she added glass coverage with a $50.00 deductible to her policy, when, in fact, it occurred prior.
Civil Penalty: $2,000

Dennis J. Coolen, Marlton, NJ
Order #22-50763-39, May 23, 2022
Respondent, Dennis J. Coolen, did knowingly provide materially false information on an AIG/American General Individual Life Insurance Policy Acceptance and Amendment of Application on June 26, 2021, by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Heiam Hamdan, Paterson, NJ
Order #22-51065-35, May 23, 2022
Respondent, Heiam Hamdan, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on December 27, 2021, by failing to disclose another individual as a driver of the policy vehicles.
Civil Penalty: $1,500

Donna Buxton and Mill Roofing, Inc., Princeton, NJ
Order #19-51176-38, May 24, 2022
Respondents, Donna Buxton and Mill Roofing, Inc., provided false and misleading information to Progressive Insurance Company on a commercial automobile insurance application dated December 18, 2019.  Specifically, Donna Buxton and Mill Roofing, Inc., failed to list a licensed operator of the policy vehicles on the application.
Civil Penalty: $1,500

Freddy Oquendo Ramos, Fort Lee, NJ
Order #20-54560-31, May 24, 2022
Respondent, Freddy Oquendo Ramos, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile policy application dated December 11, 2019.  Specifically, Mr. Ramos stated that his vehicle was primarily garaged at a New Jersey address, when in fact he was primarily operating and garaging his vehicle in the Bronx, NY.
Civil Penalty: $2,500

Roxanne M. Murray
Order #19-53412-35, April 12, 2022
Respondent, Roxanne M. Murray, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during a recorded conversation on October 13, 2017, by confirming she was a voluntary non-driver and did not possess a driver's license, when, in fact, she was licensed and an operator of the insured vehicle(s). Additionally, on May 6, 2019, Respondent stated another individual was the operator of the insured vehicle that was involved in a motor vehicle crash on May 1, 2019, when, in fact, the Respondent was the operator.
Civil Penalty: $2,500

Carlvin K. Williams, Brooklyn, NY
Order #19-54901-31, April 12, 2022
Respondent, Carlvin K. Williams, knowingly provided false and misleading information to CURE Insurance Company on an auto application dated September 24, 2012, as well as on all subsequent policy renewals dated August 20, 2013, July 8, 2015, and March 20, 2019.  Specifically, Mr. Williams listed a New Jersey residence as the garaging location of his vehicle, when in fact, his vehicle was garaged in New York.
Civil Penalty: $2,500

Guillermo Ochoa, Brooklyn, NY 
Order #21-50977-31, April 12, 2022
Respondent, Guillermo Ochoa, knowingly misrepresented information to the Progressive Group of Insurance Companies on an automobile policy application dated May 27, 2020.  Specifically, Mr. Ochoa stated that his policy address was in Montclair, NJ, when in fact, he primarily resides and garages his vehicle in Brooklyn, NY.
Civil Penalty: $2,500

Nereida K. Alarcon, Hopatcong, NJ
Order #21-51432-04, April 12, 2022
Respondent, Nereida K. Alarcon, knowingly provided false and misleading statements, in pursuit of an auto property damage claim, to Progressive Insurance Company.  Specifically, Ms. Alarcon claimed the damage to her windshield occurred on March 30, 2021, when, in fact it was damaged on February 3, 2021, when a higher comprehensive deductible was in effect.
Civil Penalty: $1,000

Justice Amoah, Lodi, NJ
Order #21-52644-35, April 12, 2022
Respondent, Justice Amoah, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a policy application dated May 23, 2020.  Specifically, Mr. Amoah failed to disclose all licensed household residents who regularly operated policy vehicles.  Additionally, Mr. Amoah listed himself as the registered owner of all policy vehicles, when in fact, he was not.
Civil Penalty: $1,500

Keara Davis, Trenton, NJ
Order #22-50003-35, April 12, 2022
Respondent, Keara Davis, did knowingly make a material misrepresentation to GEICO Indemnity Company on December 28, 2021, in support of an automobile property damage claim.  Specifically, she reported that the loss occurred on December 28, 2021, at 4:30 a.m., when, in fact, the loss actually occurred on December 27, 2021, at 4:06 p.m., which was prior to the policy being reissued.  Additionally, this misrepresentation resulted in a third-party claim.
Civil Penalty: $2,500

Sima Pandya, Plainfield, NJ
Order #22-50087-04, April 12, 2022
Respondent, Sima Pandya, did knowingly provide materially false and misleading information to Progressive Insurance Company on November 17, 2021, in a recorded statement, by stating that a loss occurred on November 12, 2021, when, in fact, the loss occurred on November 6, 2021, prior to the addition of glass coverage.
Civil Penalty: $2,500

Chit Lee, Egg Harbor Twp., NJ
Order #22-50257-35, April 12, 2022
Respondent, Chit Lee, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies in the First Notice of Loss dated December 1, 2021, and subsequent dates in support of an automobile damage claim for the insured vehicle.  Specifically, the Respondent lowered his comprehensive and collision deductible from $2,000 to $500 on November 16, 2021, and then reported the loss occurred on November 30, 2021, when, in fact, the loss occurred on November 16, 2021, prior to the deductible being lowered.
Civil Penalty: $2,000

Alyssa Rivera, Weehawken, NJ
Order #20-50523-35, April 13, 2022
Respondent, Alyssa Rivera, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated November 25, 2019.  Specifically, Ms. Rivera failed to disclose a licensed household resident driver and failed to disclose her accurate marital status.
Civil Penalty: $1,500

Patricia Whaley, Hackettstown, NJ
Order #20-52852-21, April 13, 2022
Respondent, Patricia Whaley, knowingly provided false and misleading information to Selective Insurance Company on a third-party commercial insurance property claim that occurred on January 6, 2020.  Specifically, Ms. Whaley submitted an altered invoice to the insurance carrier dated May 12, 2020, in support of a property damage loss claim.
Civil Penalty: $2,000

Corinne Alesi Quinn, Denville, NJ
Order #21-51580-25, April 13, 2022
Respondent, Corinne Alesi Quinn, knowingly concealed relevant information from Guardian Life Insurance Company between August 2014 and September 2019 when securing monies from a whole life insurance plan.  Specifically, Ms. Quinn submitted requests for loans from another individual's policy without their authorization, then deposited the checks into her bank account for her own monetary gain.
Civil Penalty: $5,000

Oscar Luna, Lakewood, NJ
Order #21-50456-35, April 20, 2022
Respondent, Oscar Luna, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on January 26, 2021, in support of an automobile property damage claim.  Specifically, he provided a false Statement of No Loss on January 26, 2021, at 7:31 p.m. by indicating that no vehicle on his policy had been involved in a loss during the lapse period, when, in fact, he was aware that a loss had occurred to the policy vehicle on January 26, 2021, at 7:15 p.m.  Additionally, this misrepresentation resulted in a third-party claim being filed.
Civil Penalty: $2,500

Edward Ruddy, Northfield, NJ
Order #21-52342-41, April 20, 2022
Respondent, Edward Ruddy, did knowingly present false and misleading information to American Health and Life Insurance Company on June 2, 2021, in support of a disability claim by submitting a fraudulent Attending Physician Statement.
Civil Penalty: $2,000

Cesar A. Barkley, Browns Mills, NJ
Order #21-52540-04, April 20, 2022
Respondent, Cesar A. Barkley, did knowingly provide materially false information to USAA Insurance Company on June 13, 2021, and during a recorded statement on June 30, 2021, in support of an automobile property damage claim, by reporting a loss occurred on June 12, 2021, when, in fact, the loss occurred on June 6, 2021, during a lapse in the insurance coverage.
Civil Penalty: $3,500

Lizzette Padilla-Diamond, West Deptford, NJ
Order #21-53256-35, April 20, 2022
Respondent, Lizzette Padilla-Diamond, did knowingly make materially false statements to Progressive Garden State Insurance Company on July 13, 2021 and on subsequent dates, by failing to disclose another household member and operator of a policy vehicle who is a New Jersey licensed driver.
Civil Penalty: $1,500

Joan M. Green-Nelson, Marlton, NJ
Order #21-53312-04, April 20, 2022
Respondent, Joan M. Green-Nelson, did knowingly provide materially false information to Progressive Garden State Insurance Company during a recorded interview on September 23, 2021, relative to an automobile claim, by adding a vehicle to her policy which was involved in a prior loss and indicating the loss occurred after the addition in an attempt to secure coverage.
Civil Penalty: $2,000

Jeremiah Kamanda, Newark, NJ
Order #21-54501-35, April 20, 2022
Respondent, Jeremiah Kamanda, did knowingly provide materially false information on an initial application for automobile insurance on June 9, 2021, and in subsequent other conversations with Cure Auto Insurance Company, by falsely claiming that he resided in Burlington, NJ, when, in fact, he resided in Newark, NJ.
Civil Penalty: $1,500

Roy R. Martin, Union, NJ
Order #19-50403-04, April 22, 2022
Respondent, Roy R. Martin, knowingly concealed relevant information from Progressive Insurance Company on an automobile insurance policy application.  Specifically, Mr. Martin obtained an automobile insurance policy on October 3, 2018, at 10:41 p.m. and failed to disclose that he was involved in multiple automobile accidents earlier that same day, in an effort to have any third party claims paid.
Civil Penalty: $4,000

Corinne A. Frusciante, Nutley, NJ
Order #22-50010-35, April 22, 2022
Respondent, Corinne A. Frusciante, submitted an automobile insurance claim to Progressive Insurance Company which contained false and misleading information.  Specifically, Ms. Frusciante submitted an auto damage claim with a December 23, 2021, date of loss when, in fact, on that date, her vehicle was located at an auto body shop with disabling damage.
Civil Penalty: $2,500

Reginald Agyare-Nkansah, Newark, NJ
Order #21-50495-31, April 28, 2022
Respondent, Reginald Agyare-Nkansah, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on December 11, 2020, on an initial automobile application and on subsequent dates by stating that he resided in Jackson, NJ, when, in fact, he resided in Newark, NJ.
Civil Penalty: $2,500.00

Ronald Potts, New Providence, NJ
Order #21-52487-35, April 28, 2022
Respondent, Ronald Potts, did knowingly provide a materially false statement on June 9, 2020, to New Jersey Manufacturers Insurance Company during a call to add an additional vehicle to his automobile policy by failing to disclose that another individual was the primary driver of the insured vehicle listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Ariane Bueno, Perkasie, PA
Order #21-53160-31, April 28, 2022
Respondent, Ariane Bueno, did knowingly provide materially false information to the Progressive Group of Insurance Companies on May 28, 2021, on her automobile insurance application, and in subsequent conversations, by falsely claiming that she resided in New Jersey, when, in fact, she resided in Pennsylvania.
Civil Penalty: $2,500

Abdul Bohra, Carneys Point, NJ
Order #21-54005-04, April 28, 2022
Respondent, Abdul Bohra, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company during a recorded call on October 19, 2021, and various other dates, by reporting he struck a deer when, in fact, he was involved in a loss on October 16, 2021, as a result of unsafe speed for the conditions and at the time, only having comprehensive coverage.
Civil Penalty: $3,000

Joseph Riggs, Mays Landing, NJ
Order #21-54544-04, April 28, 2022
Respondent, Joseph Riggs, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on August 26, 2021, and during subsequent calls, in support of an automobile glass damage claim for his insured vehicle.  Specifically, the Respondent stated that the damage to the vehicle occurred on August 24, 2021, when, in fact, the loss occurred prior to him adding comprehensive coverage with a $50 glass deductible to his policy on August 13, 2021.
Civil Penalty: $2,000

Tierra Graham, Sicklerville, NJ
Order #22-50088-35, April 28, 2022
Respondent, Tierra Graham, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies in a recorded statement on September 2, 2021, in support of an automobile property damage claim.  Specifically, she provided a false Statement of No Loss indicating she had no losses during the lapse period, when, in fact, she was involved in a loss during the lapse period.
Civil Penalty: $2,000

Danielle Sabo, Bayville, NJ
Order #22-50554-04, April 28, 2022
Respondent, Danielle Sabo, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on October 8, 2021, and October 11, 2021, in recorded phone calls in support of an automobile property damage claim by reporting that the damage occurred on October 8, 2021, after coverage was added to her policy, when, in fact, the loss occurred prior to the addition of glass coverage.
Civil Penalty: $2,000

Heber Cisneros, Wharton, NJ
Order #19-51767-04, March 2, 2022
Respondent, Heber Cisneros, knowingly provided false and misleading statements to Progressive Insurance Company on a First Notice of Loss dated March 13, 2019.  Specifically, Mr. Cisneros stated that his vehicle had been involved in an accident on March 11, 2019 when, in fact he had been involved in an accident on or about March 4, 2019, during a lapse in policy coverage.
Civil Penalty: $3,000

Olympia L. Moy, New York, NY
Order #21-51549-35, March 8, 2022
Respondent, Olympia L. Moy, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto policy application dated October 20, 2020.  Specifically, Ms. Moy provided a New Jersey address when, in fact, she was primarily garaging the insured vehicle in New York.
Civil Penalty: $1,500

Nicholas Gore, Plainfield, NJ
Order #20-51932-04, March 9, 2022
Respondent, Nicholas Gore, knowingly provided false and misleading statements in pursuit of an auto property damage claim with USAA Insurance Company dated April 24, 2020.  Specifically, Mr. Gore claimed the damages to his vehicle were the direct result of a hit and run accident when, in fact, some of the claimed damages occurred prior to this crash.
Civil Penalty: $2,500

Shaik Akram, Jersey City, NJ
Order #19-52524-48, March 9, 2022
Respondent, Shaik Akram, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated March 10, 2019.  Specifically, Mr. Akram stated his residence was in Virginia Beach, VA when, in fact, he primarily resided in Jersey City, NJ.
Civil Penalty: $2,500

Irina Lopez-Jumelles, Highland Park, NJ
Order #20-50204-35, March 10, 2022
Respondent, Irina Lopez-Jumelles, knowingly provided false and misleading information on her application for automobile insurance with Progressive Insurance Company on September 10, 2019, by failing to disclose a licensed household member and frequent policy vehicle operator.
Civil Penalty: $1,500

Jenna Kathcart, Hillsborough, NJ
Order #19-50645-35, March 14, 2022
Respondent, Jenna Kathcart, provided a false date of loss when reporting a claim to Progressive Insurance Company.  Specifically, on January 20, 2019, Jenna Kathcart represented that she was involved in an accident on January 19, 2019 when, in fact, the accident actually occurred on December 31, 2018, during the lapse period.
Civil Penalty: $1,000

Julio Colon, Roselle, NJ
Order #21-52994-04, March 15, 2022
Respondent, Julio Colon, did knowingly provide materially false and misleading information to Progressive Insurance Company on August 10, 2021 at 5:04 a.m. during a Statement of No Loss, by indicating his policy vehicle had not been involved in any accident since the policy canceled on August 8, 2021 when, in fact, it had been involved in an accident on August 10, 2021 at 4:14 a.m., prior to reinstatement of the policy.
Civil Penalty: $2,500

Deepinder Virdee, Old Bridge, NJ
Order #21-53750-04, March 21, 2022
Respondent, Deepinder Virdee, submitted an automobile insurance claim to Progressive Insurance Company which contained false and misleading information.  Specifically, Mr. Virdee submitted a windshield damage claim with an October 26, 2021 date of loss and denied any pre-existing damage when, in fact, he made two prior reports of windshield damage for the same vehicle and the reported damage was never repaired.
Civil Penalty: $1,500

James N. DeFrancisco, Jr. and Affordable Restorations, LLC, Marlton, NJ
Order #20-51151-10, March 22, 2022
Respondents, James N. DeFrancisco, Jr. and Affordable Restorations, LLC, did knowingly present false and misleading information in an estimate/invoice dated February 26, 2019, to Stillwater Insurance Company, by charging for repairs not completed, charging for non-approved upgrades and for replacing all the appliances outside of the approved estimate.
Civil Penalty: $3,500

Wellington Araujo and Wellington Express Corporation, Kearny, NJ
Order #20-51502-38, March 18, 2022
Respondents, Wellington Araujo and Wellington Express Corporation, knowingly provided false and misleading information to Progressive Insurance Company on a commercial auto application dated October 7, 2019.  Specifically, Mr. Araujo and Wellington Express Corporation failed to list a licensed operator of the policy vehicle(s).
Civil Penalty: $1,500

Eric Cecilia, Vineland, NJ
Order #21-54517-04, March 28, 2022
Respondent, Eric Cecilia, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on November 23, 2021, and on subsequent dates, in support of an automobile glass damage claim for his insured vehicle.  Specifically, the Respondent stated that the damage to the vehicle occurred on November 19, 2021 when, in fact, the loss occurred on October 17, 2021, prior to him adding coverage with a $50 glass deductible to his policy.
Civil Penalty: $2,000

Mackenzie A. Berkebile, Voorhees, NJ
Order #21-54232-04, March 28, 2022
Respondent, Mackenzie A. Berkebile, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on October 28, 2021, in support of an automobile property damage claim.  Specifically, she provided a false Statement of No Loss indicating she had no losses during the lapse period when, in fact, she was involved in a loss during the lapse.  Additionally, the misrepresentation resulted in a third-party claim being filed.
Civil Penalty: $2,500

Quishana M. Walker, Atlantic City, NJ
Order #21-54464-35, March 28, 2022
Respondent, Quishana M. Walker, did knowingly make materially false statements to Progressive Garden State Insurance Company on December 1, 2021 and on other subsequent dates, in support of her automobile claim, by indicating the time of the loss to be 8:17 a.m. on December 1, 2021, after she obtained her automobile policy when, in fact, the actual time of the loss was 7:43 a.m., which was prior to the policy being purchased.  Additionally, the subject insured a 2014 Ford Focus in which she had no insurable interest.
Civil Penalty: $3,500

Ilaine Smith, Piscataway, NJ
Order #19-51825-35, February 7, 2022
Respondent, llaine Smith, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on March 3, 2018, during a recorded telephone call by failing to disclose a household resident.
Civil Penalty: $1,500

Latacia Alexander, Paterson, NJ
Order #21-50499-16, February 7, 2022
Respondent, Ms. Latacia Alexander, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on January 25, 2021, in pursuit of a commercial automobile claim. Specifically, Ms. Alexander indicated that a loss occurred after adding comprehensive coverage to her policy on January 19, 2021 at 9:01 a.m. when, in fact, the loss occurred prior to the change in coverage.
Civil Penalty: $3,000

Earline Asbury, Jersey City, NJ
Order #21-51337-39, February 7, 2022
Respondent, Earline Asbury, knowingly made false and misleading statements to Prudential Life Insurance Company on an application for life insurance.  Specifically, on January 21, 2021, Ms. Asbury forged an electronic signature of the proposed insured in an attempt to own a policy she was not entitled to.  Further, the purposed insured was incarcerated at the time of application and was therefore not eligible for coverage.
Civil Penalty: $5,000

Ellenmae Woeller, Cherry Hill, NJ
Order #21-52940-35, February 7, 2022
Respondent, Ellenmae Woeller, did knowingly provide materially false information to CURE Insurance Company on an automobile insurance application dated October 14, 2020 by failing to disclose that another individual was the primary driver of the 2018 Nissan Versa automobile listed on that policy and failing to disclose the true garaging address.  Furthermore, in a CURE recorded statement dated June 11, 2021, the Respondent knowingly provided materially false information by failing to disclose the true garaging location of the policy vehicle.
Civil Penalty: $1,500

Alanna McCusker, Bellmawr, NJ
Order #21-52940-35, February 14, 2022
Respondent, Alanna McCusker, did knowingly conspire with another individual by providing false statements to CURE Insurance Company in a recorded statement taken on June 25, 2021 by stating that she was not the primary operator of the automobile insurance policy vehicle, and that the vehicle was not garaged at her residence when, in fact, it was.
Civil Penalty: $1,000

Tuseeaf Rathore and Sunrise LLC., Newark, NJ
Order #18-52776-38, February 14, 2022
Respondents, Tuseeaf Rathore and Sunrise LLC., knowingly supplied false and misleading statements on a commercial automobile application with Progressive Insurance Company, dated June 6, 2017, by failing to disclose a driver of the policy vehicles.
Civil Penalty: $2,500

Raul Roldan, Maspeth, NY
Order #20-52460-31, February 14, 2022
Respondent, Raul Roldan, did knowingly provide false and misleading statements when applying for a Progressive Motorcycle Insurance Policy on April 8, 2020.  Specifically, Mr. Roldan provided a New Jersey address when, in fact, he was principally residing in New York.
Civil Penalty: $2,500

Stephen O'Neill, Blackwood, NJ
Order #20-54111-35, February 14, 2022
Respondent, Stephen O'Neill, did knowingly provide materially false information on a Progressive Direct auto insurance application dated May 5, 2020 by failing to disclose a licensed household driver.
Civil Penalty: $1,500

Patricia Senior Tomlinson, Paterson, NJ
Order #21-51274-35, February 14, 2022
Respondent, Patricia Senior Tomlinson, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto policy application dated November 6, 2020.  Specifically, Ms. Senior Tomlinson failed to list all household residents.
Civil Penalty: $1,500

Peter Valentinsson, Randolph, NJ
Order #21-51731-35, February 14, 2022
Respondent, Peter Valentinsson, knowingly supplied false and misleading statements on an automobile insurance policy with New Jersey Manufacturers Insurance dated December 3, 2019, specifically, by failing to disclose household residents and drivers of the policy vehicles.
Civil Penalty: $1,500

Sayed J. Mehdi, Irvington, NJ
Order #20-50332-35, February 17, 2022
Respondent, Sayed J. Mehdi, knowingly provided materially false and misleading information to Progressive Insurance Company on an auto insurance application dated September 25, 2019 by providing another individual's information in order to obtain auto insurance.
Civil Penalty: $1,500

Fenil Patel, Metuchen, NJ
Order #21-50744-10, February 17, 2022
Respondent, Fenil Patel, knowingly provided false and misleading information in pursuit of a homeowner’s property damage claim submitted to Travelers Insurance Company.  Specifically, Mr. Patel obtained a new homeowner's policy on February 28, 2021 at 12:50 p.m. which included the sewer line and stated there were no new claims, losses or damage.  It was determined that Mr. Patel had damage/loss to his sewer line on February 28, 2021 at 11:22 a.m.
Civil Penalty: $2,500

Igor Kitseliuk, Brooklyn, NY
Order #21-53220-31, February 17, 2022
Respondent, Igor Kitseliuk, did knowingly provide materially false and misleading information on an application for automobile insurance to Progressive Garden State Insurance Company on August 6, 2021, by stating that the vehicle was garaged in Wildwood, NJ, when, in fact, it was garaged in Brooklyn, NY.
Civil Penalty: $2,000

Hansel M. Farrier-Romero, Perth Amboy, NJ
Order #21-52259-04, February 17, 2022
Respondent, Hansel M. Farrier-Romero, knowingly made false and misleading statements to Liberty Mutual Insurance Company relative to an automobile insurance claim.  Specifically, Mr. Farrier-Romero submitted a claim for a June 11, 2021 date of loss and denied that his vehicle had any pre-existing damage when, in fact, the damage from a prior loss occurring on May 27, 2021 had never been repaired.
Civil Penalty: $1,500

Maa Lamah, Newark, NJ
Order #20-51404-35, February 25, 2022
Respondent, Maa Lamah, knowingly provided false and misleading information on an auto application provided to the Progressive Group of Insurance Companies dated March 6, 2020.  Specifically, Ms. Lamah failed to list all regular operators of the policy vehicle.
Civil Penalty: $1,500

Takiya A. Hakim, Bayonne, NJ
Order #19-53844-04, February 25, 2022
Respondent, Takiya A. Hakim, on October 3, 2019, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an auto property damage claim. Specifically, Ms. Hakim, the named insured, conspiring with another individual, obtained an insurance policy on September 25, 2019, at 11:24 p.m. and reported a loss claim as having occurred on September 26, 2019 when, in fact, the accident occurred prior to policy inception.
Civil Penalty: $3,000

Prince S. Atadja, Succasunna, NJ
Order #21-50484-04, February 25, 2022
Respondent, Prince S. Atadja, knowingly provided a materially false statement to Progressive Insurance Company on February 8, 2021, in pursuit of an auto property damage claim.  Specifically, Mr. Atadja falsely reported the time of a collision claim knowing the damage to the insured vehicle preceded the inception of the policy.
Civil Penalty: $3,000

Mauro D. Bittencourt, Bedminster, NJ
Order #21-50961-04, February 25, 2022
Respondent, Mauro D. Bittencourt, knowingly provided materially false and misleading information to Progressive Insurance Company when he lowered his deductible from $750 to $100 on March 4, 2021 with an effective date of March 9, 2021 later submitting a First Notice of Loss for his 2011 Jeep Liberty, indicating the loss took place on March 12, 2021 when, in fact, the loss took place on March 7, 2021.
Civil Penalty: $1,500

Delvon Thompson, Hillside, NJ
Order #21-51413-04, February 25, 2022
Respondent, Delvon Thompson, knowingly presented materially false information to the Progressive Group of Insurance Companies when he reported a loss as having occurred on April 18, 2021 at 3:45 a.m. when, in fact, the loss occurred on or about April 1, 2021, prior to the policy inception.
Civil Penalty: $2,500

Tamika S. Love, Lawrenceville, NJ
Order #17-50245-10, January 3, 2022
Respondent, Tamika S. Love, knowingly provided materially false and misleading information to Liberty Mutual Fire Insurance Company when she submitted a fraudulent receipt in support of her homeowner's property damage claim for an October 30, 2016 loss.
Civil Penalty: $2,500

Matheus L. Curty, South River, NJ
Order #21-52957-04, January 6, 2022
Respondent, Matheus L. Curty, knowingly provided materially false and misleading information to Progressive Insurance Company on June 29, 2021 by reporting that a loss occurred to the policy vehicle on June 28, 2021 when, in fact, the loss occurred prior to the addition of collision and comprehensive coverage.
Civil Penalty: $1,500

Steven Martinez, Camden, NJ
Order #19-53087-35, January 20, 2022
Respondent, Steven Martinez, did knowingly make materially false statements to New Jersey Manufacturers Insurance Company on September 5, 2018 and on subsequent dates, by failing to disclose another operator and the true garaging location of the insured 2007 Scion.
Civil Penalty: $2,500

Faheem Fletcher, Newark, NJ
Order #19-53285-04, January 20, 2022
Respondent, Faheem Fletcher, knowingly provided false and misleading information on an auto property damage claim with Progressive Insurance dated July 14, 2019.  Specifically, Mr. Fletcher stated that his vehicle was hit and damaged while parked when, in fact, he was operating the vehicle when the accident occurred.
Civil Penalty: $3,000

Eric Bonnetain, Cliffside Park, NJ
Order #20-53946-31, January 20, 2022
Respondent, Eric Bonnetain, knowingly provided false and misleading information to Progressive Insurance Company on October 11, 2020 when applying for motorcycle insurance.  Specifically, Mr. Bonnetain provided a New Jersey garaging location when, in fact, his motorcycle was garaged in New York.
Civil Penalty: $2,000

Ulises A. Cortez Hernandez, Estell Manor, NJ
Order #20-54227-35, January 20, 2022
Respondent, Ulises A. Cortez Hernandez, did knowingly make materially false statements to Progressive Garden State Insurance Company on July 25, 2020, by failing to disclose another individual as a household member who is a New Jersey licensed driver on an application for automobile insurance.
Civil Penalty: $1,500

Maria Guerra, Wood Ridge, NJ
Order #21-50647-35, January 20, 2022
Respondent, Maria Guerra, knowingly concealed relevant information on an application for automobile Insurance with CURE Insurance Company, dated February 4, 2020.  Specifically, Ms. Guerra failed to list a household resident and operators of the insured vehicle.
Civil Penalty: $1,500

Kayhla Quiles, East Newark, NJ
Order #21-51696-04, January 20, 2022
Respondent, Kayhla Quiles, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on April 24, 2021, 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 the accident occurred prior to the inception of her policy.
Civil Penalty: $2,500

Keith O. Patterson, Camden, NJ
Order #21-52493-35, January 20, 2022
Respondent, Keith O. Patterson, did knowingly make materially false statements to CURE Auto Insurance Company on October 25, 2018 and on subsequent dates by failing to disclose his true residency, ownership and garaging location of two insured vehicles.
Civil Penalty: $2,000

Allison Baron, Trenton, NJ
Order #21-53388-04, January 20, 2022
Respondent, Allison Baron, did knowingly provide materially false information to Progressive Garden State Insurance Company on September 27, 2021 relative to an automobile claim, by indicating that the loss vehicle was added to her automobile insurance policy prior to the loss when, in fact, it was added after.  This resulted in a third­party claim being filed.
Civil Penalty: $2,500

Tamyra Harris, Trenton, NJ
Order #21-53651-35, January 20, 2022
Respondent, Tamyra Harris, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an initial claim report dated October 2, 2021 and in subsequent recordings by reporting an incorrect date of loss for her motorcycle claim, knowing the loss occurred prior to the inception of her motorcycle policy.
Civil Penalty: $2,500

Anthony Fandino, Piscataway, NJ
Order #19-50340-35, January 27, 2022
Respondent, Anthony Fandino, did knowingly provide materially false and misleading information in a first notice of loss to Cure Auto Insurance by reporting the date of loss as November 29, 2018 at 3 a.m. when, in fact, the loss occurred on November 27, 2018, prior to policy reinstatement on November 28, 2018.
Civil Penalty: $1,500

Eurydice Duncan, Paterson, NJ
Order #19-54627-35, January 27, 2022
Respondent, Eurydice Duncan, knowingly provided false and misleading information to CURE Insurance Company on a personal automobile policy application dated March 15, 2019.  Specifically, Ms. Duncan failed to disclose a licensed household resident and vehicle operator.
Civil Penalty: $1,500

Francois Messeroux, Brooklyn, NY
Order #20-52114-31, January 27, 2022
Respondent, Francois Messeroux, knowingly provided false and misleading information on an automobile policy adjustment dated April 27, 2020, with the Progressive Group of Insurance Companies.  Specifically, Mr. Messeroux listed his primary residence as 120 Park Plaza Drive, Secaucus, New Jersey 07094 when, in fact, he was residing in New York.
Civil Penalty: $2,500

Walter A. Morales Lopez, Wharton, NJ
Order #20-53495-35, January 27, 2022
Respondent, Walter A. Morales Lopez, knowingly provided false and misleading information to GEICO Insurance Company on an auto application dated October 30, 2018, as well as on several subsequent policy declarations.  Specifically, Mr. Morales Lopez insured numerous vehicles under a personal use automobile policy when, in fact, he was not qualified for this coverage because the sole purpose was to buy and sell the listed vehicles.
Civil Penalty: $1,500

Edwar Cos, Paterson, NJ
Order #21-50797-04, January 27, 2022
Respondent, Edwar Cos, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on March 1, 2021, while pursuing an automobile property damage claim.  Specifically, Mr. Cos reported that his vehicle was damaged on February 26, 2021 when, in fact, the true loss occurred weeks earlier, prior to the policy inception.
Civil Penalty: $3,000

Scott  McCurley, Kearny, NJ
Order #21-51641-39, January 27, 2022
Respondent, Scott McCurley, knowingly provided false and misleading information to Prudential Life Insurance Company on a life insurance application dated January 18, 2021.  Specifically, Mr. McCurley indicated on the life insurance application that he did not have a criminal record within the past ten (10) years when, in fact, he did.
Civil Penalty: $1,500

Jessica Coolahan, Red Bank, NJ
Order #19-52817-35, January 31, 2022
Respondent, Jessica Coolahan, assisted Michael Coolahan in violating the provisions of the New Jersey Insurance Fraud Prevention Act by knowingly providing materially false and misleading information to Progressive Insurance Company in the submission of an auto property damage claim by purporting that the loss occurred on May 3, 2019 at 9 a.m. when, in fact, said loss occurred when the vehicle was uninsured.
Civil Penalty: $2,500

Dominique Caba, Highland Park, NJ
Order #21-52424-04, January 31, 2022
Respondent, Dominique Caba, did knowingly provide materially false and misleading information to Progressive Insurance Company on July 7, 2021 at 4:38 p.m. during a statement of no loss, by indicating her policy vehicle had not been involved in any accident since the policy was canceled on June 26, 2021 when, in fact, it had been involved in an accident on July 7, 2021 at 4:30 p.m., prior to reinstatement of the policy.
Civil Penalty: $2,500