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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > 2023
2023 Executed Consent Orders
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December

Alshariff McGriff, Whitehall, PA
Order #22-50758-03, December 6, 2023
Respondent, Alshariff McGriff, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company when pursuing an auto theft claim.  Specifically, Mr. McGriff stated that his vehicle was stolen on July 4, 2021, in Newark, NJ, when in fact, the vehicle was actually involved in a motor vehicle accident in Bloomfield, NJ, in which he fled the scene.
Civil Penalty: $5,000

Daniel E. Carbajal Flores, Kearny, NJ
Order #22-51466-03, December 6, 2023
Respondent, Daniel E. Carbajal Flores, knowingly provided false and misleading statements to the Progressive Group of Insurance Companies on December 1, 2021, when pursuing an automobile theft claim. Specifically, Mr. Carbajal Flores stated that his vehicle was stolen after he parked it in Kearny, NJ on November 28, 2021 (10:00 p.m.), when in fact, he had abandoned the vehicle in Newark, NJ after being involved in an accident earlier that evening.
Civil Penalty: $4,000

James Benthall, Irvington, NJ
Order #22-51873-35, December 6, 2023
Respondent, James Benthall, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on January 9, 2016 in a renewal questionnaire and on April 14, 2018 and July 6, 2020 in recorded calls, by failing to disclose another individual was a resident of his household and regular operator of his policy vehicles.
Civil Penalty: $1,500

Juana Paulino, Paterson, NJ
Order #22-52435-35, December 6, 2023
Respondent, Juana Paulino, knowingly concealed relevant information from the Progressive Group of Insurance Companies, when renewing an automobile insurance policy dated August 29, 2021, by failing to disclose an additional licensed driver of the policy vehicle.
Civil Penalty: $1,500

Elizabeth Castillo, Leonia, NJ
Order #22-52702-04, December 6, 2023
Respondent, Elizabeth Castillo, knowingly concealed relevant information from the Progressive Group of Insurance Companies on a policy application, and again when pursuing an automobile insurance property damage claim dated August 1, 2022.  Specifically, Ms. Castillo failed to disclose that her vehicle had just been involved in an accident earlier that same day before the inception of the policy.
Civil Penalty: $2,500

Sidi Coulibaly, Rochelle Park, NJ
Order #23-50413-51, December 6, 2023
Respondent, Sidi Coulibaly, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a Statement of No Loss, dated November 10, 2022, by indicating that he was not involved in any motor vehicle accidents during a policy lapse period, when in fact, he was involved in a crash on November 9, 2022.
Civil Penalty: $2,500

Lanysha Wesby, Clifton, NJ
Order #23-50615-51, December 6, 2023
Respondent, Lanysha Wesby, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on December 12, 2022, during a recorded Statement of No Loss.  Specifically, Ms. Wesby indicated that she was not involved in a motor vehicle accident during a policy lapse period from December 7, 2022 to December 12, 2022, when in fact, she was involved in a motor vehicle accident on December 8, 2022.
Civil Penalty: $2,500

Allan Briones, Trenton, NJ
Order #18-55101-03, December 14, 2023
Respondent, Allan Briones, knowingly provided Progressive Insurance Company with false and misleading information in support of his auto theft claim for a November 4, 2018 loss by reporting that his vehicle was stolen when, in fact, it was not.
Civil Penalty: $4,000

Parth Patel, Metuchen, NJ
Order #22-52755-04, December 14, 2023
Respondent, Parth Patel, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 14, 2022 and on July 15, 2022 in support of an automobile glass damage claim. Specifically, Respondent reported in an initial claim report on July 14, 2022 and during a subsequent telephone call on July 15, 2022 that the damage to his vehicle occurred on July 14, 2022 when, in fact, the loss occurred prior to him adding comprehensive coverage with a $50 glass deductible to his policy on July 6, 2022.
Civil Penalty: $1,500

Briana Russo, Toms River, NJ
Order #23-51566-04, December 14, 2023
Respondent, Briana Russo, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on April 4, 2023, and during two subsequent recorded calls on April 5, 2023, in support of an automobile glass damage claim for her insured vehicle.  Specifically, the Respondent stated that the damage to the vehicle occurred April 4, 2023, when, in fact, the loss occurred prior to her comprehensive coverage changes effective date of April 4, 2023.
Civil Penalty: $1,500

Griffin Hall, Asbury Park, NJ
Order #23-51839-04, December 14, 2023
Respondent, Griffin Hall, did knowingly provide false and misleading information to Progressive Insurance Company on April 17, 2023, and during a subsequent recorded call on April 24, 2023, in support of an automobile glass damage claim for his insured vehicle, a 2021 Toyota Tacoma.  Specifically, Respondent stated that the damage to the policy vehicle occurred on April 18, 2023 when, in fact, the loss occurred prior to him reducing his glass deductible to $50 on April 10, 2023.
Civil Penalty: $1,500

Daewee Kim, Livingston, NJ
Order #23-52797-04, December 14, 2023
Respondent, Daewee Kim, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on June 6, 2023 in an online claim and on June 7, 2023 in a telephonic interview, by reporting that his policy vehicle sustained windshield damage on June 6, 2023 when, in fact, the vehicle sustained the damage on May 30, 2023, prior to the lowering of his comprehensive deductible on June 5, 2023.
Civil Penalty: $1,500

Melissa Diaz, Vineland, NJ
Order #23-53030-35, December 14, 2023
Respondent, Melissa Diaz, did knowingly provide materially false information to NJM Insurance Group in a phone conversation to add a vehicle to her policy on April 5, 2022, by failing to disclose an additional household resident.
Civil Penalty: $1,500

Anthony Pugliese, Nutley, NJ
Order #17-50962-03, December 28, 2023
Respondent, Anthony Pugliese, knowingly provided false and misleading statements when pursuing an auto theft claim through Plymouth Rock Assurance Company.  Specifically, Mr. Pugliese reported that his 2012 BMW was stolen on October 29, 2016, when in fact, this was not true.
Civil Penalty: $5,000

Michael Streit, New York, NY
Order #19-50743-45, December 28, 2023
Respondent, Michael Streit, knowingly caused false and misleading information to the John Hancock Life Insurance Company when providing invoices for long­term care services from November 2015 through March 2018.  Specifically, Mr. Streit submitted fraudulent invoices indicating that services were provided by an approved caregiver, when in fact, the services were provided by unapproved caregivers and these invoices were submitted with a higher reimbursement than the rates that were actually paid to the caregivers.
Civil Penalty: $7,250

Desirae Moore, Westampton, NJ
Order #21-53884-04, December 28, 2023
Respondent, Desirae Moore, did knowingly make a material misrepresentation to GEICO Indemnity Insurance Company on September 26, 2021, in support of an automobile property damage claim. Specifically, she reported that the loss occurred on September 25, 2021, at about 21:00 hours, when, in fact, the loss actually occurred on September 25, 2021, at approximately 15:00 hours, which was prior to the policy being obtained.
Civil Penalty: $2,500

Eric Alexis, Somerset, NJ
Order #21-54602-04, December 28, 2023
Respondent, Eric Alexis, did knowingly provide false and misleading statements to the Progressive Group of Insurance Companies during a recorded statement in support of an automobile claim on July 23, 2021. Specifically, Respondent stated that he is the only one that drives his insured vehicle(s) and they are used for pleasure use when, in fact, it was determined that the vehicles were rented.
Civil Penalty: $1,500

Clarence Lopez-Epps, North Brunswick, NJ
Order #22-53340-04, December 28, 2023
Respondent, Clarence Lopez-Epps, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in an online claim on September 20, 2022 and in a recorded statement on September 21, 2022, by stating that a loss occurred to his policy vehicle on September 19, 2022 at 11:50 p.m. when, in fact, the loss occurred prior to the lowering of his collision deductible on his auto insurance policy on September 19, 2022 at 5:21 p.m.
Civil Penalty: $1,500

Ivan Orellana, Elizabeth, NJ
Order #23-50341-51, December 28, 2023
Respondent, Ivan Orellana, knowingly provided false and misleading information on a Statement of No Loss submitted to Progressive Insurance Company dated January 4, 2023. Specifically, Mr. Orellana indicated that he was not involved in any accidents between December 24, 2022 and January 4, 2023 at 9:21 a.m., when in fact, he was involved in a loss with the policy vehicle on January 4, 2023 at 9:05 a.m.
Civil Penalty: $3,500

Idelisa Valdez, Paterson, NJ
Order #23-51391-35, December 28, 2023
Respondent, Idelisa Valdez, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a policy application dated January 8, 2021.  Specifically, Ms. Valdez failed to disclose a licensed household member on her auto insurance policy.
Civil Penalty: $1,500

Chang Hwang, and Columbia Auto Body, Bogota, NJ
Order #23-52065-04, December 28, 2023
Respondents, Chang Hwang, and Columbia Auto Body, knowingly supplied false and misleading information that was presented to GEICO Insurance Company, enhancing the value of an auto property damage claim dated July 1, 2020.  Specifically, Mr. Hwang and Columbia Auto Body provided photos of the insured vehicle that showed damage to the passenger area, when in fact, this damage was not a result of the motor vehicle accident on July 1, 2020.
Civil Penalty: $7,000

 
November

Aja Y. Smith, Dover, DE
Order #18-54129-51, November 1, 2023
Respondent, Aja Y. Smith, did knowingly provide false information and make a false statement to Progressive Drive New Jersey Insurance Company on August 30, 2018, by providing a False Statement of No Loss at the time of a policy reinstatement.
Civil Penalty: $2,000

Tierra Wimberly
Order #22-51117-04, November 1, 2023
Respondent, Tierra Wimberly, did knowingly provide materially false and misleading information to Progressive Insurance Company on March 12, 2022, by indicating damage to her windshield had occurred on March 10, 2022 when, in fact, it occurred on February 22, 2022, prior to the deductible being changed.
Civil Penalty: $1,500

Julissa Soto, Haines City, FL
Order #22-53915-35, November 1, 2023
Respondent, Julissa Soto, did knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated December 19, 2021. Specifically, Respondent, failed to disclose all household members and drivers with access to the policy vehicle.
Civil Penalty: $1,500

Catherine Negit, Fairview, NJ
Order #22-54014-35, November 1, 2023
Respondent, Catherine Negit, did knowingly provide materially false statements on a New Jersey Manufacturers Insurance Company application call dated June 24, 2016, and subsequent New Jersey Manufacturers Renewal Questionnaires dated May 10, 2017, and May 8, 2018, by failing to disclose an additional household resident.
Civil Penalty: $1,500

Juan Martinez, Lakewood, NJ
Order #23-50376-51, November 1, 2023
Respondent, Juan Martinez, did knowingly provide materially false information during a Statement of No Loss on January 23, 2023 at 6:40 a.m., to Progressive Garden State Insurance Company, by indicating that no damages or accidents occurred to any of the vehicles and/or drivers listed on the automobile policy during the lapse period, when, in fact, he was involved in an accident on January 23, 2023, prior to completing the Statement of No Loss.
Civil Penalty: $2,500

Akia Bethea-Halley, Hamilton, NJ
Order #23-50377-35, November 1, 2023
Respondent, Akia Bethea-Halley, did knowingly provide materially false information to Plymouth Rock Assurance Corporation on an initial application for automobile insurance on August 09, 2021, and on another date by failing to disclose another individual as a household resident and driver of a policy vehicle.
Civil Penalty: $1,500

Satrohan Maistri, Orange, NJ
Order #23-50455-04, November 1, 2023
Respondent, Satrohan Maistri, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on March 11, 2019, in a recorded call stating that his 2010 Acura will not be used in the course of any business when, in fact, he was driving for Uber at the time.  Furthermore, Satrohan Maistri stated in recorded calls on January 24, 2023, and January 27, 2023, that he was not driving for Uber at the time of loss when, in fact, he was.
Civil Penalty: $1,500

Marsha K. Alexander, Trenton, NJ
Order #23-50884-35, November 1, 2023
Respondent, Marsha K. Alexander, did knowingly provide materially false information on an application for automobile insurance to CURE Auto Insurance Company on June 21, 2021, by failing to disclose additional household members, one (1) with a suspended New Jersey driver's license.
Civil Penalty: $1,500

Nicholas Young, Vineland, NJ
Order #23-51490-04, November 1, 2023
Respondent, Nicholas Young, did knowingly make material misrepresentations to CURE Auto Insurance Company on October 14, 2022, in support of an automobile glass damage claim for his insured vehicle. Specifically, the Respondent reported that the damage to the vehicle occurred on October 5, 2022, when, in fact, the loss occurred prior to him lowering his comprehensive deductible on September 16, 2022.  
Civil Penalty: $1,500

John T. Carr, Caldwell, NJ
Order #23-51515-35, November 1, 2023
Respondent, John T. Carr, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company on a premium quote/application for automobile insurance on June 28, 2020.  Specifically, Respondent, failed to disclose an additional household member and regular operator of an insured vehicle.
Civil Penalty: $1,500

Melissa Williams, Glassboro, NJ
Order #23-51622-04, November 1, 2023
Respondent, Melissa Williams, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on February 13, 2023, in support of an automobile property damage claim. Specifically, in a First Notice of Loss and in subsequent recorded interviews, she reported that the loss occurred on February 13, 2023, at about 17:00, when, in fact, the loss actually occurred on February 13, 2023, at about 00:30, which was prior to the policy being incepted.
Civil Penalty: $2,500

Kizzy Harris, Irvington, NJ
Order #23-52333-35, November 1, 2023
Respondent, Kizzy Harris, did knowingly provide materially false information to CURE Auto Insurance on an initial application for automobile insurance on July 9, 2021, by indicating that the policy address and garaging location of the insured vehicle was in Gibbsboro, NJ when, in fact, the vehicle was garaged in Irvington, NJ.  In addition, Respondent provided false information to CURE Auto Insurance by submitting a fraudulent lease agreement in support of an automobile property damage claim.
Civil Penalty: $2,500

Nigel Friday, Toms River, NJ
Order #23-53339-04, November 1, 2023
Respondent, Nigel Friday, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on July 18, 2023, and during a subsequent recorded call on July 19, 2023, in support of an automobile glass damage claim for his insured vehicle. Specifically, the Respondent stated that the damage to the vehicle occurred July 18, 2023, when, in fact, the loss occurred prior to him adding comprehensive coverage with a $50 glass deductible to his policy on July 12, 2023.  
Civil Penalty: $2,000

El Moriah Muleba, Mount Laurel, NJ
Order #22-52299-04, November 8, 2023
Respondent, El Moriah Muleba, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on June 16, 2022, in support of an automobile property damage claim for a crash by providing loss dates of June 15, 2022, then June 14, 2022, when, in fact, it had occurred June 12, 2022, at a time which was prior to the policy inception.
Civil Penalty: $2,500

Jessie M. lngrao, Hackensack, NJ
Order #22-52803-51, November 8, 2023
Respondent, Jessie M. lngrao, knowingly provided false and misleading information on a Statement of No Loss to Progressive Insurance Company on June 22, 2022 at 4:09 p.m. Specifically, Mr. lngrao stated that his insured vehicle was not involved in any motor vehicle accidents and/or losses during the policy lapse period, when in fact, his motorcycle was allegedly stolen that same day in Bloomfield, NJ.
Civil Penalty: $4,000

Heedaya Kisswani, Ridgefield Park, NJ
Order #22-53442-04, November 8, 2023
Respondent, Heedaya Kisswani, did knowingly provide false and misleading statements on an auto property damage claim with Liberty Mutual Insurance Company dated September 28, 2022, stating that her vehicle was hit while parked, when in fact, this was not true.
Civil Penalty: $3,000

Rosmery V. Saldana, Sparta, NJ
Order #22-53870-04, November 8, 2023
Respondent, Rosemery V. Saldana, did knowingly provide materially false and misleading information to the Progressive Insurance Company on a windshield damage claim dated October 30, 2022.  Specifically, Ms. Saldana stated her windshield was damaged after adding comprehensive glass coverage to her policy on October 23, 2022, when in fact, the damage occurred prior to adding the coverage.
Civil Penalty: $1,000

Kim Ann Boritza, Hewitt, NJ
Order #23-50334-47, November 8, 2023
Respondent, Kim Ann Boritza, knowingly prepared and provided false and misleading statements on a pet insurance claim submitted to Embrace Pet Insurance Company dated August 29, 2022.  Ms. Boritza fabricated the dollar amount of the services rendered on four (4) separate altered invoices for veterinary treatments for her pet "Zoey" and collected monies that she was not entitled to.
Civil Penalty: $3,000

Alyssa Staffin, Kendall Park, NJ
Order #23-50791-51, November 8, 2023
Respondent, Alyssa Staffin, did knowingly provide materially false and misleading information on a Progressive Insurance Company Statement of No Loss Form dated February 20, 2023, at 10:51 p.m. stating that she was not involved in any motor vehicle accidents for the time period between 12:01 a.m. on February 4, 2023, and the date and time of the Statement of No Loss Form, when, in fact, she was involved in a motor vehicle accident on February 20, 2023, at 8:39 p.m. prior to the policy reinstatement.
Civil Penalty: $1,500

Kaniah E. Rice, Jersey City, NJ
Order #23-50795-04, November 8, 2023
Respondent, Kaniah E. Rice, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company on an auto policy application dated June 27, 2022. Specifically, Ms. Rice failed to disclose a regular driver with access to a policy vehicle. Respondent knowingly concealed pertinent information from New Jersey Manufacturers Insurance Company on an auto policy application dated June 27, 2022; specifically, by failing to disclose that the insured vehicle was being used in a ridesharing service called Uber Eats.  Respondent, Kaniah E. Rice, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company when pursuing an auto property damage claim dated August 31, 2022.  Specifically, Ms. Rice stated she was a passenger in the insured vehicle at the time of the accident, when in fact, she was not.
Civil Penalty: $5,000

Oscar E. Aldaz, Elizabeth, NJ
Order #18-52195-48, November 22, 2023
Respondent, Oscar E. Aldaz, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated September 18, 2017.  Specifically, Mr. Aldaz falsely claimed he resided in Pennsylvania, when in fact, he resided in New Jersey and principally garaged his vehicle in New Jersey.
Civil Penalty: $2,500

John Vincelli, Hackettstown, NJ
Order #19-51083-25, November 22, 2023
Respondent, John Vincelli, an insurance producer, did knowingly provide materially false information to the United of Omaha Life Insurance Company on a life insurance application dated February 7, 2018.  Specifically, Mr. Vincelli forged an application for life insurance on behalf of the proposed insured's minor children, without this insured's knowledge or consent.
Civil Penalty: $5,000

Andrew S. Perrone, and the Perrone Wellness Center LLC, Hackensack, NJ
Order #19-52505-02, November 22, 2023
Respondents, Andrew S. Perrone, and the Perrone Wellness Center LLC, on several occasions in 2018 and 2019, knowingly employed the use of runners, who then referred patients to this practice in exchange for monetary payments.  Andrew S. Perrone pled guilty in Bergen County to Third Degree, Knowingly Acting as or Using a Runner.
Civil Penalty: $5,000

Jeri L. Scaglione, Farmingdale, NJ
Order #19-52969-24, November 22, 2023
Respondent, Jeri L. Scaglione, did knowingly provide false and misleading information to American Family Life Assurance Company (AFLAC) in support of thirty-two (32) invalid claims submitted from October 19, 2017, to June 29, 2018, for services not rendered on those dates.
Civil Penalty: $8,000       

Rajesh R. Patel, Jersey City, NJ
Order #20-50794-35, November 22, 2023
Respondent, Rajesh R. Patel, did knowingly provide materially false information to Liberty Mutual Insurance Company on an automobile insurance policy application dated September 28, 2018, by failing to disclose a household driver of the policy vehicle.
Civil Penalty: $1,500

Ana Hernandez Nunez, Irvington, NJ
Order #21-53097-37, November 22, 2023
Respondent, Ana Hernandez Nunez, did knowingly provide false and misleading information to American Bankers Insurance Company of Florida (Assurant Group) on September 7, 2021, by misrepresenting the date of loss of a water damage claim by stating that the damage occurred on September 4, 2021, knowing that the damage actually occurred on August 28, 2021, prior to purchasing her renters insurance policy.
Civil Penalty: $1,500

Sindy Troche, Egg Harbor Twp., NJ
Order #22-51355-24, November 22, 2023
Respondent did knowingly provide false and misleading information to American Family Life Assurance Company (AFLAC) in support of thirty (30) invalid claims submitted between November 18, 2015, and February 17, 2022, for services not rendered on those dates.
Civil Penalty: $7,500

Angelina Ricci, Woodland Park, NJ
Order #22-52488-04, November 22, 2023
Respondent, Angelina Ricci, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a windshield damage claim dated July 6, 2022.  Specifically, Ms. Ricci stated that her windshield was damaged after adding comprehensive glass deductible coverage to her policy effective July 2, 2022, when in fact, the damage occurred prior to the policy change.
Civil Penalty: $1,000

Sirjohnni M. Bentson, Teaneck, NJ
Order #22-54299-51, November 22, 2023
Respondent, Sirjohnni M. Bentson, knowingly provided materially false information on a Statement of No Loss to Drive New Jersey Insurance Company on December 11, 2022 at 4:48 p.m.  Specifically, Mr. Bentson stated that no one operating a vehicle on his auto policy had been involved in any accidents during the policy lapse period, when, in fact, he was involved in a crash earlier that same day.  Respondent, Sirjohnni M. Bentson, did knowingly provide false and misleading information to Drive New Jersey Insurance Company in pursuit of an auto property damage claim. Specifically, Mr. Bentson stated that an accident occurred at 5:16 p.m. on December 11, 2022, when, in fact, the crash occurred earlier that same day before he reinstated his auto policy.
Civil Penalty: $3,500

Gi Tae Kwon, Fort Lee, NJ
Order #23-50150-04, November 22, 2023
Respondent, Gi Tae Kwon, knowingly concealed relevant information from the Progressive Group of Insurance Companies when adding a vehicle to his automobile insurance policy.  Specifically, Mr. Kwon added a vehicle to his automobile insurance policy on December 9, 2022 and failed to disclose that the vehicle had just been involved in an accident earlier that same day.
Civil Penalty: $3,000

Rose Wright, Sussex, NJ
Order #23-50288-35, November 22, 2023
Respondent, Rose Wright, knowingly made false and misleading statements to the Progressive Group of Insurance Companies on a policy application dated February 1, 2022, and on a policy change dated May 4, 2022. Specifically, Ms. Wright stated that there were no other drivers or residents, when, in fact, there was an additional household member with access to a policy vehicle.
Civil Penalty: $1,500

Rashon Spruiell, East Orange, NJ
Order #23-50520-51, November 22, 2023
Respondent, Rashon Spruiell, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on February 3, 2023 at 6:14 p.m., on a Statement of No Loss by indicating that his policy vehicle had not been involved in any accidents or thefts since the policy cancellation on February 2, 2023, when, in fact, the vehicle had been reported stolen on February 3, 2023 at 4:06 p.m., prior to the reinstatement of the policy.
Civil Penalty: $2,500

Maurice L. Henderson, Trenton, NJ
Order #23-50842-35, November 22, 2023
Respondent, Maurice L. Henderson, did knowingly provide materially false information on an application for automobile insurance to CURE Auto Insurance Company on November 7, 2020, and during recorded telephone calls with CURE Auto Insurance Company on December 18, 2020, and December 31, 2021, by failing to disclose an additional household member with a suspended New Jersey driver's license.
Civil Penalty: $1,500

Evan W. Kago, Paterson, NJ
Order #23-51444-04, November 22, 2023
Respondent, Evan W. Kago, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company when pursuing an auto property damage claim.  Specifically, Mr. Kago stated the damage to his vehicle occurred on March 15, 2023, when in fact, the incident took place on or around February 19, 2023, before he added collision coverage to the auto policy.
Civil Penalty: $3,500

Sherry B. Ivey, Clifton, NJ
Order #23-51590-04, November 22, 2023
Respondent, Sherry B. Ivey, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company while pursuing an auto comprehensive glass claim. Specifically, Ms. Ivey stated that the damage to her vehicle occurred on March 25, 2023, when in fact, the insured vehicle had pre-existing damage when purchased on March 24, 2023, before comprehensive coverage was added to her auto policy.
Civil Penalty: $1,000

Marvin Martinez-Avelino, dba, Express Cleaning Facility Services, East Brunswick, NJ
Order #23-52022-21, November 22, 2023
Respondents, Marvin Martinez-Avelino, dba, Express Cleaning Facility Services, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on a commercial automobile insurance application dated October 21, 2022 by failing to add himself as a rated driver of the policy vehicle(s).
Civil Penalty: $1,500

Jacksinder Singh, Yonkers, NY
Order #23-52435-04, November 22, 2023
Respondent, Jacksinder Singh, did knowingly provide materially false information to Progressive Garden State Insurance Company during a recorded telephone call on May 1, 2023, by reporting he was involved in an automobile loss with a Progressive Garden State Insurance Company insured on May 1, 2023, when, in fact, the loss occurred on April 14, 2023, during a lapse in the policy.
Civil Penalty: $2,500

Damaso Thompson, Williamstown, NJ
Order #23-52971-15, November 22, 2023
Respondent, Damaso Thompson, did knowingly provide materially false information and make false statements to USAA Insurance on June 29, 2023, during the submission of a homeowners lost property claim and during recorded calls on July 10, 2023, and July 12, 2023, by purporting he lost jewelry, when, in fact, the jewelry was in the possession of another and/or himself.
Civil Penalty: $2,500

Thomas J. Bell and Compass Health Group, Upper Black Eddy, PA
Order #14-53895-24, November 29, 2023
Respondents, Thomas J. Bell and Compass Health Group, did knowingly cause claims to be submitted to Horizon Blue Cross Blue Shield and Amerihealth for dates of service between January 2, 2014 and May 14, 2014, for laboratory services, during which time the business was not licensed by the State of New Jersey to perform the services that were billed.
Civil Penalty: $341,000

Mary Beth Cobb, Cherry Hill, NJ
Order #23-52468-45, November 29, 2023
Respondent, Mary Beth Cobb, did knowingly provide materially false information to TriPlus Services, Inc. on seven (7) Statement of Care Forms, between January 1, 2021, and September 4, 2021, by billing for services not provided relative to a Long Term Care Policy with American Network Insurance Company.
Civil Penalty: $1,500

Valerie Pearl, Willingboro, NJ
Order #23-52606-47, November 29, 2023
Respondent, Valerie Pearl, did knowingly provide materially false information to American Pet Insurance Company on eleven (11) claims between December 2022 and March 2023, by submitting fraudulent documents in support of those claims for three pets.
Civil Penalty: $3,500

Beata Z. Czak, Manahawkin, NJ
Order #23-53226-04, November 29, 2023
Respondent, Beata Z. Czak, did knowingly provide materially false information to Progressive Garden State Insurance Company on July 6, 2023, in support of an automobile glass damage claim, by reporting the loss occurred after the Respondent added a $50 glass deductible, when, in fact, the damage had occurred prior to the policy amendment.
Civil Penalty: $1,500

Michelin Andre, Trenton, NJ
Order #23-53340-04, November 29, 2023
Respondent, Michelin Andre, did knowingly provide materially false information to the Progressive Group of Insurance Companies on June 23, 2023 during an initial claim report and during a telephone call on June 29, 2023, by reporting his insured vehicle suffered damage on June 21, 2023, when, in fact, the vehicle suffered the damage on June 15, 2023, prior to him adding comprehensive coverage to his policy.
Civil Penalty: $2,500

Tatyanah Lynch, Trenton, NJ
Order #23-53963-04, November 29, 2023
Respondent, Tatyanah Lynch, did knowingly make a material misrepresentation to Good2Go Insurance Company on June 24, 2023, in support of an automobile claim for an accident that occurred on June 23, 2023, by stating that the loss occurred on June 23, 2023 at 6:15 p.m., when, in fact, it occurred prior to the policy inception on June 23, 2023 at 5:16 p.m.
Civil Penalty: $2,500

 
October

Dwayne Waters, Linden, NJ
Order #20-54481-35, October 4, 2023
Respondent, Dwayne Waters, did knowingly provide materially false and misleading information to Progressive Insurance Company on January 21, 2020, on an auto insurance application by failing to disclose all household residents.
Civil Penalty: $1,500

Daisy Mudarra, Lindenwold, NJ
Order #20-54517-10, October 4, 2023
Respondent, Daisy Mudarra, did knowingly provide false and misleading information to Liberty Mutual Insurance Company in support of a homeowner's insurance claim dated November 18, 2020.  Specifically, the Respondent misrepresented that all of the damages relating to the burglary/vandalism claim occurred while she occupied the property, when, in fact, some of the damages occurred while the property was tenant occupied. Additionally, the Respondent failed to disclose, at the appropriate time during the policy period, that the residence was no longer owner occupied and was instead tenant occupied.
Civil Penalty: $2,500

Alex R. Garcia-Madrid, Haddonfield, NJ
Order #19-53584-35, October 18, 2023
Respondent, Alex A. Garcia-Madrid, knowingly provided false and misleading information to GEICO Insurance Company on an automobile application dated May 29, 2019.  Specifically, Alex A. Garcia-Madrid failed to list a licensed household resident and disclosed that all seven policy vehicles were being used for commuting/pleasure purposes, when in fact, one or more of the vehicles were being used for commercial purposes.
Civil Penalty: $3,000

Benjamin Anaya, Jersey City, NJ
Order #20-54648-04, October 18, 2023
Respondent, Benjamin Anaya, knowingly provided false and misleading information to CURE Insurance Company on an auto policy application dated January 7, 2020, by failing to disclose a licensed household resident and driver.  Benjamin Anaya also knowingly provided false and misleading statements to CURE Insurance Company as a result of an auto property damage claim.  Specifically, Mr. Anaya stated that he was operating the insured vehicle when it was involved in an accident on November 12, 2020, when in fact, the accident actually occurred on November 4, 2020, while being operated by an undisclosed licensed household resident and driver
Civil Penalty: $4,000

Jander G. Valentin-Sierra and Valentins Trucking, LLC, Camden, NJ
Order #21-50336-38, October 18, 2023
Respondent, Jander G. Valentin-Sierra and Valentins Trucking, LLC, did knowingly provide materially false information on an application for automobile insurance to Progressive Drive New Jersey Insurance Company on July 14, 2020, by failing to disclose himself as a regular operator of the insured vehicle.
Civil Penalty: $1,500

Frank Riccio, Lavallette, NJ
Order #21-54469-04, October 18, 2023
Respondent, Frank Riccio, did knowingly provide materially false information to the Progressive Group of Insurance Companies on August 24, 2021, and in a subsequent recorded statement in support of an automobile glass damage claim.  Specifically, the Respondent stated that the damage occurred after lowering the comprehensive deductible and adding a $50 glass deductible, when, in fact, the loss occurred prior to the coverage change.
Civil Penalty: $2,000

Kevin Gubelman, Keansburg, NJ
Order #22-53624-51, October 18, 2023
Respondent,  Kevin Gubelman, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on September 30, 2022 at 3:36 p.m.  Specifically, Respondent, provided a false Statement of No Loss indicating that he had no losses during the lapse period between 12:01 a.m. on September 14, 2022 and the date and time of the signed document, September 30, 2022, when, in fact, he was involved in a loss during the lapse on September 27, 2022.
Civil Penalty: $2,500

Shripad Lokapure, Edison, NJ
Order #23-50545-04, October 18, 2023
Respondent, Shripad Lokapure, knowingly provided false and misleading information to Metromile Insurance Company on January 6, 2023, on the First Notice of Loss and on February 9, 2023, in a recorded conversation indicating the loss occurred on December 27, 2022, when, in fact, the loss occurred on December 1, 2022, prior to adding comprehensive coverage.
Civil Penalty: $2,500

Susanne Battles, Willingboro, NJ
Order #23-52587-04, October 18, 2023
Respondent, Susanne Battles, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on May 30, 2023, and during a subsequent call, in support of an automobile glass damage claim for her insured vehicle. Specifically, the Respondent stated that the damage to the vehicle occurred May 29, 2023, when, in fact, the loss occurred prior to her adding comprehensive coverage with a $50 glass deductible to her policy on May 21, 2023.
Civil Penalty: $2,000

Daniel Estrada Osuna, Ridgefield, NJ
Order #23-52623-35, October 18, 2023
Respondent, Daniel Estrada Osuna, knowingly provided materially false information to the Progressive Group of Insurance Companies on an automobile insurance application dated July 3, 2022. Specifically, Mr. Estrada Osuna failed to disclose all licensed residents and/or regular operators of policy vehicles.
Civil Penalty: $1,500

Joan Tinsley, Atlantic City, NJ
Order #23-52929-47, October 18, 2023
Respondent, Joan Tinsley, did knowingly provide materially false information to Nationwide Insurance Company on May 8, 2023, by submitting an altered invoice in support of a pet insurance claim.
Civil Penalty: $1,500

Olatunde Adedeji, Burlington, NJ
Order #23-53058-35, October 18, 2023
Respondent, Olatunde Adedeji, did knowingly provide materially false information on an application for automobile insurance to CURE Auto Insurance Company on January 19, 2023, by purporting he resided and garaged the insured vehicle in Hazlet, NJ, when, in fact, he resided and garaged the insured vehicle in Newark, NJ.
Civil Penalty: $2,500

Demetrius Smith, Irvington, NJ
Order #22-50069-04, October 24, 2023
Respondent, Demetrius Smith, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim.  Specifically, Mr. Smith stated his 2015 Jeep Grand Cherokee sustained all the vehicle damage on November 13, 2021, when in fact, the damage occurred on or about November 27, 2020, prior to the policy inception.
Civil Penalty: $4,000

Patricia A. Lucas, Bronx, NY
Order #22-52122-31, October 24, 2023
Respondent, Patricia A. Lucas, did knowingly provide materially false information to Progressive Insurance Company on an auto policy application dated March 23, 2022. Specifically, Ms. Lucas provided a New Jersey garaging address, when in fact, her vehicle was primarily garaged and operated in New York.
Civil Penalty: $2,500

Travis Saltus, Secaucus, NJ
Order #22-53341-04, October 24, 2023
Respondent, Travis Saltus, knowingly concealed relevant information from the Progressive Group of Insurance Companies when securing an automobile policy on October 2, 2022 at 3:35 p.m. Specifically, Mr. Saltus failed to disclose that the vehicle had just been involved in an accident minutes earlier. Respondent, Travis Saltus, on October 3, 2023, knowingly provided false and misleading information in support of an auto property damage claim to the Progressive Group of Insurance Companies. Specifically, Mr. Saltus stated that his vehicle was involved in an accident on October 2, 2023 at 4:30 p.m., when in fact, the accident occurred earlier that same day, prior to policy inception.
Civil Penalty: $3,500

Atisha Watts, Elizabeth, NJ
Order #22-53601-31, October 24, 2023
Respondent, Atisha Watts, did knowingly provide materially false information to Progressive Insurance Company on an auto insurance application dated September 9, 2022.  Specifically, Ms. Watts stated that she lives and garages her vehicle in Elizabeth, NJ, when in fact, she primarily resides and garages her vehicle in New York.
Civil Penalty: $2,500

Johnny Sims Solis, Newark, NJ
Order #22-53887-04, October 24, 2023
Respondent, Johnny Sims Solis, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on September 30, 2022, while pursuing an automobile property damage claim. Specifically, Mr. Sims Solis stated that his insured vehicle had been involved in an accident on September 29, 2022, between 9 p.m. and 10 p.m., when in fact, the accident occurred earlier that same day which was prior to the policy inception.
Civil Penalty: $2,500

 
September

Omnia M. Samra-Latif Estafan, M.D., Princeton Junction, NJ
Order #15-51680-24, September 6, 2023
Respondent, Omnia M. Samra-Latif Estafan, M.D., owner of Hamilton Women's Health & Wellness Associates, caused claims to be submitted to Horizon Blue Cross Blue Shield of New Jersey for pathology and laboratory tests without the required Centers for Medicare & Medicaid Services (CMS) Clinical Laboratory Improvement Amendments (CUA) Certificate of Waiver in violation of N.J.S.A. 17:33A-1 et seq.
Civil Penalty: $190,500

Siddharth D. Jain, Hoboken, NJ
Order #21-54338-04, September 6, 2023
Respondent, Siddharth D. Jain, did knowingly provide false and misleading information on September 3, 2021, to New Jersey Manufacturers Insurance Company, specifically by stating his car went through a puddle on September 1, 2021, two days before his policy became effective.
Civil Penalty: $2,500

Diana Zapata, Parlin, NJ
Order #22-53507-04, September 6, 2023
Respondent, Diana Zapata, did knowingly provide materially false and misleading information in an online claim to Safelite on September 28, 2022 and to the Progressive Group of Insurance Companies on October 3, 2022 in a recorded statement, by providing a date of loss of September 28, 2022, when, in fact, the loss occurred on September 24, 2022, prior to adding glass coverage to the vehicle.
Civil Penalty: $1,500

Tara K. Freschi, Brick, NJ
Order #23-52021-51, September 6, 2023
Respondent, Tara K. Freschi, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during a recorded telephone call on January 25, 2023, by providing a False Statement of No Loss relative to her automobile policy.
Civil Penalty: $2,500

Roemello Willis, Rahway, NJ
Order #19-54531-03, September 19, 2023
Respondent, Roemello Willis, did knowingly provide materially false information to Progressive Insurance Company while pursuing an auto theft claim.  Specifically, Mr. Willis stated that his insured vehicle was stolen on September 2, 2019, and involved in a motor vehicle accident, when in fact, the vehicle was not stolen.
Civil Penalty: $4,000

Justin Jamar Wade, Passaic, NJ
Order #22-52005-51, September 19, 2023
Respondent, Justin Jamar Wade, knowingly provided false and misleading information on a Statement of No Loss to Plymouth Rock Assurance Company on April 6, 2022 at 9:11 a.m.  Specifically, Mr. Wade indicated that his insured vehicle was not involved in any motor vehicle accidents and/or losses during the policy lapse period, when in fact, his insured vehicle was reported stolen on April 5, 2022 at 8 p.m. in Passaic, NJ.  Respondent, Justin Jamar Wade, knowingly provided false and misleading statements when pursuing an auto theft claim with Plymouth Rock Assurance Company, dated April 7, 2022.  Specifically, Mr. Wade stated that his vehicle was stolen on April 6, 2022, when in fact, the loss occurred on April 5, 2022, when there was no insurance coverage in effect.
Civil Penalty: $3,000

Edward Garcia, Bayonne, NJ
Order #22-52161-35, September 19, 2023
Respondent, Edward Garcia, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated February 22, 2022. Specifically, Mr. Garcia failed to disclose a licensed household resident or regular operator of his insured vehicle and failed to disclose his accurate marital status.
Civil Penalty: $1,500

Pashun Jenkins, Oak Ridge, NJ
Order #22-52598-51, September 19, 2023
Respondent, Pashun Jenkins, did knowingly provide materially false and misleading information to Progressive Insurance Company when reinstating her automobile policy on July 14, 2022 at 11:51 p.m. Specifically, Ms. Jenkins indicated that her vehicle was not involved in any incidents during a policy lapse period, when in fact, the insured vehicle was stolen earlier that same day.
Civil Penalty: $2,500

Alexandra D. DiFusco, Jersey City, NJ
Order #22-52704-04, September 19, 2023
Respondent, Alexandra D. DiFusco, did knowingly provide materially false information to Progressive Insurance Company in support of an auto comprehensive claim dated February 25, 2022.  Specifically, Ms. DiFusco misrepresented the date of loss to secure coverage for windshield damage that had occurred prior to the policy inception.
Civil Penalty: $1,000

Edwin P. Thomas, Newark, NJ
Order #22-53986-35, September 19, 2023
Respondent, Edwin P. Thomas, did knowingly provide materially false and misleading information to Progressive Insurance Company on an application for insurance dated August 6, 2022, by failing to disclose all drivers and household residents.
Civil Penalty: $1,500

Iranyi Paulino-Paulino, Dover, NJ
Order #22-54147-35, September 19, 2023
Respondent, Iranyi Paulino-Paulino, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an auto policy declaration and endorsement action dated November 2, 2022. Specifically, Ms. Paulino-Paulino failed to disclose a licensed household resident and driver of a policy vehicle.
Civil Penalty: $1,500

Gloria M. Morocho Morocho, Orange, NJ
Order #23-50753-35, September 19, 2023
Respondent, Gloria M. Morocho Morocho, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an initial application for automobile insurance on September 19, 2022, by failing to disclose another individual as a household resident and driver of the insured vehicles.
Civil Penalty: $1,500

Tatjana Clowney, Willingboro, NJ
Order #23-51913-04, September 19, 2023
Respondent, Tatjana Clowney, did knowingly provide materially false information to Progressive Garden State Insurance Company on April 3, 2023, by reporting that a loss occurred on April 3, 2023, at 13:10 hours, when, in fact, the loss occurred on or about 12:45 hours on April 3, 2023, which was prior to the policy inception.
Civil Penalty: $2,500

Irvena Watford, Sicklerville, NJ
Order #23-52697-47, September 19, 2023
Respondent, Irvena Watford, did knowingly provide materially false information to Nationwide Insurance Company on May 23, 2023, by submitting a fraudulent document in support of a pet insurance claim.
Civil Penalty: $1,500

Jammie A. Caulder, Rocky Mount, NC
Order #20-51028-35, September 20, 2023
Respondent, Jammie A. Caulder, did knowingly conceal pertinent information from New Jersey Manufacturers Insurance Company on an auto insurance application dated January 8, 2016, as well as on several policy actions and renewals through January 2020.  Specifically, Mr. Caulder never identified a household resident and driver of a policy vehicle.
Civil Penalty: $1,500

Maria Alvarez, Bedminster, NJ
Order #22-53593-04, September 27, 2023
Respondent, Maria Alvarez, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on August 27, 2022 and September 3, 2022, in recorded calls by stating that her vehicle sustained damage on August 26, 2022, when, in fact, the damage occurred on August 16, 2022, prior to the effective date of rental coverage on her auto insurance policy.
Civil Penalty: $1,500

Gladyn Dada, East Orange, NJ
Order #22-53637-35, September 27, 2023
Respondent, Gladyn Dada, did knowingly misrepresent a material fact to the Progressive Group of Insurance Companies on an application for auto insurance dated January 3, 2022, by failing to disclose another household member and regular operator of the policy vehicle.
Civil Penalty: $1,500

Sheila D. Cooper, Willingboro, NJ
Order #22-54121-35, September 27, 2023
Respondent, Sheila D. Cooper, did knowingly make materially false statements to New Jersey Manufacturers Insurance Company on November 5, 2020, by failing to disclose another individual, a New Jersey licensed household member, on an application for automobile insurance.
Civil Penalty: $1,500

Ernest Cohen, Vineland, NJ
Order #23-50611-51, September 27, 2023
Respondent, Ernest Cohen, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on January 23, 2023, in support of an automobile property damage claim. Specifically, Respondent provided a false Statement of No Loss indicating he had no losses during the lapse period, when, in fact, he was involved in a loss during the lapse.
Civil Penalty: $2,500

Dominique Livingston, Blackwood, NJ
Order #23-50730-04, September 27, 2023
Respondent, Dominique Livingston, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on February 7, 2023, in support of an automobile property damage claim and in subsequent conversations by stating the accident occurred on February 7, 2023, when, in fact, it occurred prior to policy inception.
Civil Penalty: $2,500

Amber T. Irwin, Camden, NJ
Order #23-50864-04, September 27, 2023
Respondent, Amber T. Irwin, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 23, 2023, and on another date in support of an automobile property damage claim.  Specifically, Respondent provided a date of loss of February 23, 2023, when, in fact, the actual date of loss was on February 22, 2023, and prior to the policy inception.
Civil Penalty: $2,500

Ryan C. Walsh, Hoboken, NJ
Order #23-51828-04, September 27, 2023
Respondent, Ryan C. Walsh, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an automobile damage claim dated April 14, 2023. Specifically, Mr. Walsh stated that the windshield was damaged after adding comprehensive coverage to the automobile insurance policy on April 7, 2023, when in fact, the damage occurred prior to adding the coverage.
Civil Penalty: $1,000

Stephanie Hill, Pleasantville, NJ
Order #23-52437-51, September 27, 2023
Respondent, Stephanie Hill, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on April 3, 2023, by providing a false Statement of No Loss. Respondent verified there had been no damage to or theft of any vehicles during the lapse, when, in fact, the policy vehicle did sustain damage prior to reinstating the policy.
Civil Penalty: $2,500

Camille Fernandez, Rio Grande, NJ
Order #23-52474-35, September 27, 2023
Respondent, Camille Fernandez, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on March 28, 2023, by failing to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500

Jelaina Craddock, Toms River, NJ
Order #23-52621-35, September 27, 2023
Respondent, Jelaina Craddock, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on May 19, 2023, and during a subsequent recorded call on May 22, 2023, in support of an automobile glass damage claim for her insured vehicle.  Specifically, the Respondent stated that the damage to the vehicle occurred May 19, 2023, when, in fact, the loss occurred prior to her adding comprehensive coverage with a $50 glass deductible to her policy on May 12, 2023.  
Civil Penalty: $2,000

 
August

Michael C. Bruno
Order #19-51576-05, August 2, 2023
Respondent, Michael C. Bruno, provided a false and misleading statement to Travelers Insurance dated August 15, 2018, specifically, by stating on an Affidavit of No Insurance that there were no other policies to afford him coverage in his household, when, in fact, Michael C. Bruno resided in the household with his own GEICO auto insurance.
Civil Penalty: $1,500

Dahlia Lewin Robinson, Douglasville, GA
Order #21-50370-31, August 2, 2023
Respondent, Dahlia Lewin Robinson, knowingly provided false and misleading information on an automobile insurance application to Progressive Garden State Insurance Company dated August 18, 2020.  Specifically, Ms. Robinson stated that she resided and garaged her policy vehicle in Teaneck, NJ, when in fact, she primarily resided in St. Albans, NY.
Civil Penalty: $2,500

Faisal Ahmed, Haledon, NJ
Order #21-52993-51, August 2, 2023
Respondent, Faisal Ahmed, knowingly provided false and misleading information on a Statement of No Loss to Progressive Insurance Company on August 5, 2021.  Specifically, Mr. Ahmed stated that his vehicle was not involved in any accidents from July 30, 2021 until August 5, 2021, when in fact, he was involved in a crash on August 4, 2021, at 10:53 p.m.  Respondent, Faisal Ahmed, knowingly supplied false and misleading statements to Progressive Insurance Company in pursuit of an auto property damage claim dated August 8, 2021. Specifically, Mr. Ahmed stated that the accident occurred on August 6, 2021, when in fact, the accident occurred on August 4, 2021, before the coverage went into effect.
Civil Penalty: $3,500

Dongkyu Kim, Cresskill, NJ
Order #21-53935-04, August 2, 2023
Respondent, Dongkyu Kim, made a material misrepresentation to GEICO on November 8, 2021, while pursuing an auto property damage claim. Specifically, Mr. Kim stated that the damage to his vehicle occurred on November 5, 2021, when in fact the incident took place on or around October 8, 2021, before he substantially lowered the collision deductible on the auto policy.
Civil Penalty: $2,500

Alamdar Chaudhry, Iselin, NJ
Order #22-50104-04, August 2, 2023
Respondent, Alamdar Chaudhry, knowingly provided materially false and misleading information to GEICO Indemnity Group when pursuing a comprehensive auto claim.  Specifically, Respondent submitted a flood claim for his 2007 Toyota Sienna stating that the date of loss was on September 24, 2021 when, in fact, the damage occurred prior to him adding comprehensive coverage to the policy on September 12, 2021.
Civil Penalty: $2,000

Cesar Acosta-Rodriguez, Rockaway, NJ
Order #22-51954-35, August 2, 2023
Respondent, Cesar Acosta-Rodriguez, did knowingly provide materially false information to Progressive Insurance Company on an automobile Insurance application dated February 01, 2022, by failing to disclose a household driver of the policy vehicle.
Civil Penalty: $1,500

John A. Boccardi, Cedar Knolls, NJ
Order #22-52675-04, August 2, 2023
Respondent, John A. Boccardi, did knowingly provide materially false information to the Progressive Group of Insurance Companies when pursuing a comprehensive auto claim.  Specifically, Mr. Boccardi submitted a claim for windshield damage stating that it occurred on May 19, 2022, when in fact, the loss occurred on or before April 26, 2022 prior to adding glass coverage.
Civil Penalty: $1,000

Bruce A. Burgermaster, Old Tappan, NJ
Order #22-53664-04, August 2, 2023
Respondent, Bruce A. Burgermaster, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on June 23, 2022 in support of an auto property damage claim.  Specifically, Mr. Burgermaster altered an invoice so the repairs would be considered a covered loss.
Civil Penalty: $3,000

Leo Fischer, Lakewood, NJ
Order #20-50637-12, August 8, 2023
Respondent, Leo Fischer, did knowingly provide materially false information to Farmers of Salem Insurance Company on February 17, 2019, in a First Notice of Loss and on August 4, 2019, by submitting a fraudulent invoice in support of the homeowner theft claim.
Civil Penalty: $2,500

Anthony A. Libertella, Jersey City, NJ
Order #20-52116-10, August 8, 2023
Respondent, Anthony A. Libertella, did knowingly make a material misrepresentation to American Bankers Insurance Company of Florida, in support of a property theft claim on his renter's insurance policy.  Specifically, Mr. Libertella reported the theft of a Moncier Cluny jacket on March 3, 2020, when in fact, he never owned the jacket.
Civil Penalty: $3,000

Jian Huang, Closter, NJ
Order #22-52622-04, August 8, 2023
Respondent, Jian Huang, knowingly provided false and misleading statements to the Progressive Group of Insurance Companies when pursuing an automobile property damage claim.  Specifically, Mr. Huang added a windshield glass deductible to his policy, which went in effect on July 14, 2022, and then submitted a claim indicating that windshield damage had occurred on July 16, 2022, when in fact, the damage was pre­existing and occurred prior to the policy change.
Civil Penalty: $1,000

Jailan D. Francis, Jamaica, NY
Order #22-52439-35, August 10, 2023
Respondent, Jailan D. Francis, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on a policy application dated June 4, 2022. Specifically, Respondent provided a New Jersey policy address, when, in fact, he primarily resides and garages his vehicles in New York.
Civil Penalty: $2,500

Deidre Reyes, Howell, NJ
Order #22-54273-35, August 10, 2023
Respondent, Deidre Reyes, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on October 1, 2021, when adding a vehicle to her policy.  Specifically, Respondent failed to disclose to New Jersey Manufacturers Insurance Company additional licensed household residents and operators of the policy vehicles.
Civil Penalty: $1,500

Asif Chowdhury and Reliance Delivery Services, LLC., Old Bridge, NJ
Order #20-53171-30, August 16, 2023
Respondents, Asif Chowdhury and Reliance Delivery Services, LLC., knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated May 12, 2016, purporting that his business was insured for automobile liability by Chubb Insurance, when, in fact, no coverage existed; and Asif Chowdhury and Reliance Delivery Services, LLC., knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated January 23, 2017, purporting that his business was insured for automobile liability by Chubb Insurance, when, in fact, no coverage existed; and Asif Chowdhury and Reliance Delivery Services, LLC., knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated January 25, 2018, purporting that his business was insured for automobile liability by Chubb Insurance, when, in fact, no coverage existed; and Asif Chowdhury and Reliance Delivery Services, LLC., knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated January 24, 2019, purporting that his business was insured for automobile liability by Chubb Insurance, when, in fact, no coverage existed; and Asif Chowdhury and Reliance Delivery Services, LLC., knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated February 7, 2020, purporting that his business was insured for automobile liability by Chubb Insurance, when, in fact, no coverage existed.
Civil Penalty: $1,000

Michael Kumesh and Corliss Yelitza Kumesh, dba, Bergen Tire Service, Newark, NJ
Order #21-54154-04, August 16, 2023
Respondents, Michael Kumesh and Corliss Yelitza Kumesh, dba, Bergen Tire Service, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on the First Notice of Loss dated June 30, 2021.  Specifically, Respondents filed a claim with the Progressive Group of Insurance Companies stating that the business property sustained damage as a result of a motor vehicle accident occurring on June 30, 2021 when, in fact, the damage was preexisting to the June 30, 2021 loss.
Civil Penalty: $1,500

Ismael Bermudez, Newark, NJ
Order #20-50492-03, August 29, 2023
Respondent, Ismael Bermudez, knowingly withheld pertinent information causing a relative to pursue a fraudulent auto theft claim with Progressive Insurance Company dated January 23, 2020.  Specifically, Mr. Bermudez indicated that his missing vehicle must have been stolen, when, in fact, he failed to disclose that the vehicle had been sold for salvage in July of 2019 and subsequently crushed.
Civil Penalty: $3,500

Uday Chander, San Jose, CA
Order #20-53319-04, August 29, 2023
Respondent, Uday Chander, knowingly provided false and misleading statements to Progressive Insurance Company when pursuing a windshield damage claim.  Specifically, Mr. Chander stated that the incident occurred on August 21, 2020, when, in fact, the damage occurred before he added glass coverage with a $50 deductible to his automobile policy on August 18, 2020.
Civil Penalty: $1,500

Martin Xhaferi, Elmwood Park, NJ
Order #21-51053-51, August 29, 2023
Respondent, Martin Xhaferi, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a Statement of No Loss when reinstating his commercial automobile insurance policy.  Specifically, Mr. Xhaferi stated on November 11, 2020, that neither he nor his vehicle had been involved in any accidents since the policy cancellation on October 25, 2020, when, in fact, he had been involved in an accident earlier that day.
Civil Penalty: $2,500

Milton P. Guaman and Allied Comfort Services LLC, Orange, NJ
Order #21-53436-51, August 29, 2023
Respondents, Milton P. Guaman and Allied Comfort Services LLC, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a Statement of No Loss dated July 8, 2021.  Specifically, Milton P. Guaman and Allied Comfort Services LLC indicated that the insured vehicle had not been involved in any accidents since the policy lapsed on June 17, 2021, when in fact, it had been involved in an accident on July 7, 2021.
Civil Penalty: $2,500

Eileen Rice, Mountainside, NJ
Order #22-50071-35, August 29, 2023
Respondent, Eileen Rice, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on February 20, 2020, in a recorded phone call, by failing to disclose that another individual was a regular operator of the policy vehicle.
Civil Penalty: $1,500

William Pacilio, Egg Harbor Twp., NJ
Order #22-50312-04, August 29, 2023
Respondent, William Pacilio, did knowingly provide materially false information to Progressive Garden State Insurance Company on January 13, 2023, during an initial claim report and during a telephone call on January 14, 2023, by reporting his insured vehicle suffered windshield damage on January 11, 2023, when, in fact, the vehicle suffered the damage on January 3, 2023, prior to him adding a $50 glass deductible.
Civil Penalty: $2,000

Austin Davis, Cliffwood, NJ
Order #22-50493-35, August 29, 2023
Respondent, Austin Davis, knowingly provided materially false and misleading information to Esurance Insurance Company on an auto insurance application dated February 4, 2022 at 1:41 p.m. by stating he had not been involved in any accidents in the past three years when, in fact, he had been involved in an accident on February 4, 2022 at 1:21 p.m.
Civil Penalty: $3,500

Felvin Sanchez, New Milford, NJ
Order #22-51125-04, August 29, 2023
Respondent, Felvin Sanchez, on March 30, 2022, knowingly conspired with another individual when providing false and misleading information to Progressive Garden State Insurance Company in the pursuit of an auto property damage claim.  Specifically, Mr. Sanchez stated that the date of loss was March 19, 2022, when, in fact, the loss occurred on or about February 24, 2022, which was prior to the policy inception.
Civil Penalty: $3,500

Joanna L. Gregory, Yonkers, NY
Order #22-52220-31, August 29, 2023
Respondent, Joanna L. Gregory, did knowingly provide materially false information to the Progressive Insurance Company on an auto insurance application dated August 25, 2021.  Specifically, Ms. Gregory provided a Teaneck, NJ address and garaging location, when in fact, she primarily resides and garages her vehicle in Yonkers, NY.
Civil Penalty: $2,500

Mandeep Singh, South Ozone Park, NY
Order #22-53104-31, August 29, 2023
Respondent, Mandeep Singh, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated September 10, 2021, as well as on subsequent policy renewal declarations.  Specifically, Mr. Singh stated that he resided and garaged his vehicle in New Jersey, when in fact, he primarily resided and garaged his vehicle in New York.
Civil Penalty: $2,500

Amauris J. Perez, New Brunswick, NJ
Order #22-54024-04, August 29, 2023
Respondent, Amauris J. Perez, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 16, 2022, and during a subsequent call on November 29, 2022, in support of an automobile claim.  Specifically, Respondent indicated that the 2019 Jeep Cherokee was involved in a motor vehicle accident after he added it to his policy when, in fact, the loss occurred prior to him adding the vehicle to his policy.
Civil Penalty: $2,500

Rafal Wojtowicz, Monmouth Junction, NJ
Order #23-50085-04, August 29, 2023
Respondent, Rafal Wojtowicz, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on December 26, 2022, in a recorded statement, by stating that a loss occurred to his policy vehicle on December 25, 2022, when, in fact, the loss occurred prior to the addition of comprehensive coverage to his auto insurance policy on December 6, 2022.
Civil Penalty: $1,000

Amanda Walck, Bellmawr, NJ
Order #23-51912-51, August 29, 2023
Respondent, Amanda Walck, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on April 24, 2023, by providing a false Statement of No Loss, indicating she had no losses during the policy lapse, when, in fact, she was involved in a crash during the lapse.
Civil Penalty: $2,000

Kayla Miletta, Vineland, NJ
Order #23-52029-04, August 29, 2023
Respondent, Kayla Miletta, did knowingly provide materially false information to Progressive Garden State Insurance Company on April 24, 2023, and during a subsequent call, in support of an automobile glass damage claim. Specifically, the Respondent indicated that the loss occurred after the comprehensive deductible was lowered on April 14, 2023, from $500 to $100, when, in fact, the loss occurred prior to the policy change.
Civil Penalty: $2,000

 
July

Marc Puderbeutel and Lech Lecha LLC, Brooklyn, NY
Order #21-53084-31, July 5, 2023
Respondents, Marc Puderbeutel and Lech Lecha LLC, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on August 12, 2020, on an application for insurance by failing to list a regular operator of the policy vehicles.  Furthermore, Marc Puderbeutel and Lech Lecha LLC did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on August 12, 2020, on an application for insurance, and on July 20, 2021, in a recorded statement, by stating that the garaging location of the policy vehicles is in New Jersey when, in fact, the garaging location of the policy vehicles is in Bronx, NY.
Civil Penalty: $2,500

Vanesa Villavencenio, Bronx, NY
Order #22-50333-31, July 6, 2023
Respondent, Vanesa Villavencenio, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance application dated August 17, 2021, and on a recorded statement taken on December 29, 2021.  Specifically, Ms. Villavencenio indicated that she resided and garaged her insured vehicle in New Jersey, when in fact, she primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Ebony Curry, Jersey City, NJ
Order #22-50847-04, July 5, 2023
Respondent, Ebony Curry, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies on February 28, 2022, and March 1, 2022, in recorded phone calls in support of an automobile property damage claim by reporting that the damage occurred after the policy incepted, when, in fact, the loss occurred prior to the policy inception.
Civil Penalty: $5,000

Charles Kohl, Paramus, NJ
Order #22-50924-35, July 5, 2023
Respondent, Charles Kohl, provided false and misleading information to the Progressive Group of Insurance Companies on an auto application dated July 15, 2021, a policy renewal on December 13, 2022, and a policy declarations endorsement on February 9, 2022.  Specifically, Mr. Kohl stated that his insured vehicles were garaged in Paramus, NJ, when in fact, they were garaged in Paterson, NJ.
Civil Penalty: $1,500

John Alfano, Asbury, NJ
Order #22-51771-35, July 5, 2023
Respondent, John Alfano, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto application dated April 28, 2022.  Specifically, Mr. Alfano failed to disclose a licensed resident and regular operator.
Civil Penalty: $1,500

Christine O. Gayman, Bergenfield, NJ
Order #22-53370-10, July 6, 2023
Respondent, Christine O. Gayman, knowingly provided false and misleading information to Safeco Insurance Company in the pursuit of a homeowner's property damage claim on October 4, 2022.  Specifically, Ms. Gayman provided an incorrect date of loss to gain coverage for a sewer backup in her home.
Civil Penalty: $2,000

Luis Fuentes Mora, Winchester, VA
Order #23-50122-48, July 5, 2023
Respondent, Luis Fuentes Mora, did knowingly provide materially false information to Progressive Gulf Insurance Company on an initial application for automobile insurance on November 28, 2022, and another date by indicating that the policy address and garaging location of the insured vehicles was in Virginia when, in fact, the vehicles were garaged in New Jersey.
Civil Penalty: $2,500

Sabreea Benson, Camden, NJ
Order #23-51047-35, July 5, 2023
Respondent, Sabreea Benson, did knowingly provide materially false information to Cure Auto Insurance Company on an initial application for automobile insurance on February 7, 2022, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Chanell J. Singletary-Eskridge, Ocean Township, NJ
Order #23-50674-04, July 5, 2023
Respondent, Chanell J. Singletary-Eskridge, did knowingly provide materially false information to Progressive Garden State Insurance Company on January 20, 2023, by purporting she was involved in a loss on January 18, 2023, when, in fact, the loss occurred on January 15, 2023, during a lapse in the policy.
Civil Penalty: $2,500

Rakesh Patel
, Wildwood, NJ
Order #23-51108-34, July 5, 2023
Respondent, Rakesh Patel, did knowingly provide false and misleading information when pursuing an AIG Travel Guard claim on January 31, 2023.  Specifically, Mr. Patel submitted altered documents during the claim process to obtain reimbursement for a flight that was never booked.
Civil Penalty: $2,000

Krystal Corbett, Marlton, NJ
Order #23-51320-04, July 5, 2023
Respondent, Krystal Corbett, did knowingly provide materially false information to Progressive Garden State Insurance Company on November 30, 2022, and February 02, 2023, as well as in a subsequent call, in support of an automobile glass damage claim. Specifically, the Respondent reported that the damage to the vehicle occurred on February 2, 2023, when, in fact, the loss occurred prior to obtaining the $250 deductible.
Civil Penalty: $2,000

Krysten Lomax, Parlin, NJ
Order #22-54146-04, July 12, 2023
Respondent, Krysten Lomax, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 28, 2022, in an online claim to Safelite, and again on a phone call to Progressive on November 30, 2022, by stating that the loss occurred on November 28, 2022 when, in fact, the loss occurred prior to the lowering of comprehensive coverage deductible on November 23, 2022.
Civil Penalty: $1,500

Densy Hidalgo, Passaic, NJ
Order #18-53272-09, July 19, 2023
Respondent, Densy Hidalgo, knowingly provided false and misleading information to Farmers Insurance Company on an automobile insurance application dated August 6, 2017, and on a policy renewal declaration dated February 2, 2018. Specifically, Mr. Hidalgo declared that his vehicles were used for personal use only, when in fact, the insured vehicles were used as a taxi/transportation service.
Civil Penalty: $2,500

Siyam Hashimi, Union, NJ
Order #22-51020-04, July 19, 2023
Respondent, Siyam Hashimi, did knowingly provide false and misleading information to Geico on March 23, 2022, and on a subsequent date when he reported that he was involved in an accident on March 23, 2022, when, in fact, the loss occurred on March 22, 2022, prior to him adding collision coverage to the policy vehicle.
Civil Penalty: $2,500

Edwin Murudumbay, and Villani Landscape, LLC, Bogota, NJ
Order #22-52434-51, July 19, 2023
Respondents, Edwin Murudumbay, and Villani Landscape, LLC, knowingly provided false information to the Progressive Group of Insurance Companies on a Statement of No Loss when reinstating a commercial automobile insurance policy on June 2, 2022.  Specifically, Mr. Murudumbay and Villani Landscape, LLC stated that none of the policy vehicles had been involved in any accidents since the policy lapsed on May 20, 2022, when in fact, a policy vehicle was involved in an accident on June 1, 2022.
Civil Penalty: $2,500

Charles Mineo, North Arlington, NJ
Order #22-52991-04, July 19, 2023
Respondent, Charles Mineo, knowingly submitted false and misleading information to Progressive Insurance Company in support of a property damage claim dated August 30, 2022.  Specifically, Mr. Mineo indicated that this damage was a result of a recent crash when in fact, he previously submitted a claim for the same damages on August 8, 2022, which had been paid in full by a different insurance carrier.
Civil Penalty: $2,000

Sarah Satine, East Orange, NJ
Order #22-53084-31, July 19, 2023
Respondent, Sarah Satine, did knowingly provide materially false information on an auto insurance application with Progressive effective August 12, 2022, by stating that her vehicle would be garaged in New Jersey, when in fact she primarily garaged the vehicle in New York.
Civil Penalty: $2,500

Krista M. Manganiotis
, Toms River, NJ
Order #22-53435-35, July 19, 2023
Respondent, Krista M. Manganiotis, did knowingly provide materially false information to CURE Auto Insurance Company on an online vehicle change request made on November 10, 2021, and on an additional date by failing to disclose another individual as a driver of policy vehicles.
Civil Penalty: $1,500

Mayra M. Garcia, Sicklerville, NJ
Order #22-53470-35, July 19, 2023
Respondent, Mayra M. Garcia, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on August 23, 2022, by failing to disclose another individual as a household member and driver of a policy vehicle.
Civil Penalty: $1,500

Thelma L. Sagastume, Union City, NJ
Order #23-50807-35, July 19, 2023
Respondent, Thelma L. Sagastume, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile policy application dated January 10, 2023. Specifically, Ms. Sagastume failed to disclose a licensed household resident and driver of her policy vehicle.
Civil Penalty: $1,500

 
June

Janet M. Downing
Order #22-50708-35, June 1, 2023
Respondent, Janet M. Downing, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Company during recorded calls on September 27, 2019 and September 28, 2021, by failing to disclose an additional household member and regular operator of the policy vehicle(s).
Civil Penalty: $1,500

Ana Santos, Aberdeen, NJ
Order #22-53150-35, June 1, 2023
Respondent, Ana Santos, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on July 15, 2018 in an online application, and on June 4, 2019 in a recorded phone call, by failing to disclose another individual was a resident in her household and a regular operator of a policy vehicle.
Civil Penalty: $1,500

Aber Elshamy, Woodbridge, NJ
Order #22-54040-35, June 1, 2023
Respondent, Aber Elshamy, knowingly provided false and misleading statements to Plymouth Rock Assurance Corporation on July 19, 2022 when adding a policy vehicle to her policy by failing to disclose a regular operator of the policy vehicle.  Additionally, Respondent, stated that she and her husband were the registered owners of the policy vehicle when, in fact, they were not.
Civil Penalty: $1,500

Anthony E. Larusso, Keyport, NJ
Order #23-50027-04, June 1, 2023
Respondent,  Anthony E. Larusso, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 4, 2022 in an online claim to Safelite, and again on November 8, 2022 during a phone call with the Progressive Group of Insurance Companies, by stating that a loss occurred on November 4, 2022 when, in fact, the loss occurred prior to the lowering of his comprehensive coverage deductible on October 26, 2022.
Civil Penalty: $1,500

Larry J. Johnson, Jr. and Total Traffic Services, LLC, Marlton, NJ
Order #20-50640-30, June 7, 2023
Respondents, Larry J. Johnson, Jr. and Total Traffic Services, LLC, knowingly provided false and misleading information to a third party business by presenting a fraudulent Certificate of Liability Insurance dated June 10, 2019, purporting that his business was insured for automobile liability by Selective Insurance when, in fact, no coverage existed.
Civil Penalty: $1,000

Glenn M. Delmonico, Armonk, NY
Order #22-52254-04, June 7, 2023
Respondent, Glenn M. Delmonico, did knowingly provide materially false and misleading information to Progressive Insurance Company on June 21, 2022, in a recorded statement, by stating that his vehicle did not have windshield damage prior to June 21, 2022 when, in fact, there was windshield damage prior to the addition of the glass coverage on June 16, 2022.
Civil Penalty: $1,500

Santina C. Robinson, Galloway, NJ
Order #22-53569-03, June 7, 2023
Respondent, Santina C. Robinson, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 26, 2022, and during a subsequent call in support of a stolen motor vehicle claim. Specifically, the Respondent reported that the vehicle was stolen on October 25, 2022, when, in fact, the vehicle was taken on October 23, 2022, prior to the policy inception.
Civil Penalty: $3,500

Alexandrea R. Doherty, Delanco, NJ
Order #22-53776-51, June 7, 2023
Respondent, Alexandrea R. Doherty, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on October 2, 2022, in support of an automobile property damage claim. Specifically, Respondent 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.
Civil Penalty: $2,500

Jequan Alston
, Clementon, NJ
Order #22-53857-05, June 7, 2023
Respondent, Jequan Alston, knowingly provided false and misleading statements in pursuit of a Personal Injury Protection (PIP) Claim with Mercury Insurance Company, beginning on September 13, 2022, and in subsequent documents or filings claiming he was in his vehicle and injured when it was struck by another vehicle on September 12, 2022, when, in fact, he was not in the vehicle and received no crash related injuries.
Civil Penalty: $3,500

Antonio Freeman, Atlantic City, NJ
Order #23-50526-35, June 7, 2023
Respondent, Antonio Freeman, did knowingly conspire with another individual to provide materially false information to Drive New Jersey Insurance Company on an initial application for automobile insurance on November 9, 2022, by having that individual insure a vehicle for his use and failing to disclose him as an operator.
Civil Penalty: $1,500

Christopher Gross, Berlin, NJ
Order #23-50705-51, June 7, 2023
Respondent, Christopher Gross, did knowingly provide materially false information during a Statement of No Loss on February 3, 2023, at 6:51 p.m. to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, no one operating a vehicle listed on his policy had been involved in an accident during the lapse period and verified there was no damage to the policy vehicles during the lapse period of January 28, 2023, and February 3, 2023, when, in fact, a motor vehicle accident had occurred involving the policy vehicle during the lapse period. This resulted in a third party claim being filed.
Civil Penalty: $2,500

Mia E. Davis
, Trenton, NJ
Order #23-50759-04, June 7, 2023
Respondent, Mia E. Davis, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 2, 2023, and during a subsequent call in support of a motor vehicle crash claim.  Specifically, the respondent reported that the motor vehicle crash occurred around 12:20 p.m. to 12:30 p.m., when, in fact, the crash occurred on February 2, 2023, at 12:17 p.m., prior to policy inception.
Civil Penalty: $2,000

Ashley J. Lawson, Trenton, NJ
Order #23-50761-51, June 7, 2023
Respondent, Ashley J. Lawson, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 13, 2023, during a Statement of No Loss.  Specifically, the Respondent signed a Statement of No Loss indicating her vehicle had not been in a motor vehicle crash during the policy lapse period, when, in fact, it was involved in a motor vehicle crash in Trenton, NJ, prior to the Statement of No Loss.
Civil Penalty: $2,500

Timothy Rowan, Lawrence Township, NJ
Order #23-51425-04, June 7, 2023
Respondent, Timothy Rowan, did knowingly provide materially false information to Government Employees Insurance Company on March 30, 2023, 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 March 29, 2023, when, in fact, the loss occurred prior to obtaining the $50 glass deductible.
Civil Penalty: $2,000

Yanned Torres, Passaic, NJ
Order #20-50516-35, June 13, 2023
Respondent, Yanned Torres, did knowingly provide false and misleading information on a Progressive Auto Insurance Policy Application dated August 6, 2019.  Specifically, Ms. Torres failed to disclose another individual as a household resident and driver of the vehicles on her automobile insurance policy.
Civil Penalty: $1,500

Andrew Fiedler, Gouldsboro, PA
Order #20-51723-04, June 13, 2023
Respondent, Andrew Fiedler, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a windshield damage claim. Specifically, Mr. Fiedler stated that his windshield was damaged after adding coverage to his policy on April 20, 2020, when in fact, the damage occurred prior to adding the coverage.
Civil Penalty: $1,000

Maria B. Lopez-Zapata, Bergenfield, NJ
Order #20-53185-35, June 13, 2023
Respondent, Maria B. Lopez-Zapata, did knowingly provide materially false and misleading information on an automobile insurance application to the Progressive Group of Insurance Companies on September 28, 2019.  Specifically, Ms. Lopez-Zapata failed to disclose a household licensed resident and vehicle operator on her automobile insurance application.
Civil Penalty: $1,500

Damon Todman, Carteret, NJ
Order #21-53947-04, June 13, 2023
Respondent, Damon Todman, did knowingly provided materially false information to Progressive Insurance Company on September 20, 2021, in an online claim report and November 1, 2021, in a recorded statement, by stating his vehicle flooded on September 3, 2021 when, in fact, the flooding had occurred on September 1, 2021 at 9:18 p.m., which was prior to Mr. Todman adding his vehicle to his auto policy.
Civil Penalty: $2,500

Theodore Zajac, and R&A Precise Auto LLC, Hackensack, NJ
Order #22-51206-16, June 13, 2023
Respondents, Theodore Zajac, and R&A Precise Auto LLC, knowingly provided false and misleading statements in pursuit of a commercial property damage claim with Franklin Mutual Insurance Company dated August 11, 2021, specifically by submitting receipts indicating that repairs were completed and paid for, when in fact they were not.
Civil Penalty: $2,000

Christine Olivo, Haledon, NJ
Order #22-52520-47, June 13, 2023
Respondent, Christine Olivo, knowingly provided false and misleading information to Independence American Insurance Company on April 4, 2022, in support of a pet insurance claim.  Specifically, Ms. Olivo submitted invoices that were altered to indicate that the dates of service were during the policy period, when in fact, the services were provided prior to the policy inception.
Civil Penalty: $1,000

Marcelo Barria
, Garfield, NJ
Order #19-52229-09, June 20, 2023
Respondent, Marcelo Barria, knowingly provided false and misleading information on an auto renewal questionnaire dated May 31, 2018 that was presented to New Jersey Manufacturers Insurance Company. Specifically, Mr. Barria failed to disclose additional drivers and that an insured vehicle would be primarily garaged at a residence that was not the policy address.
Civil Penalty: $2,500

Carlos A. Zuliaga, Linden, NJ
Order #20-52119-35, June 20, 2023
Respondent, Carlos A. Zuliaga, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on an automobile insurance application dated November 22, 2019, by failing to disclose a resident driver of the policy vehicle.
Civil Penalty: $1,500

Crista Snyder, Salem, NJ
Order #21-51310-35, June 20, 2023
Respondent, Crista Snyder, did knowingly conspire with another individual to provide materially false information on an automobile insurance application with Personal Service Insurance Company dated November 10, 2020, on which her conspirator failed to disclose her as a driver of the policy vehicle.
Civil Penalty: $1,500

Jahmarley Walcott, Paterson, NJ
Order #21-52565-35, June 20, 2023
Respondent, Jahmarley Walcott, knowingly provided false and misleading information to Progressive Insurance Company on an application for auto insurance dated March 29, 2021. Specifically, Mr. Walcott failed to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Eduardo E. Findlay
, Union City, NJ
Order #22-50553-31, June 20, 2023
Respondent, Eduardo E. Findlay, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto application dated September 30, 2021. Specifically, Mr. Findlay provided a New Jersey address, when in fact, he primarily resided, operated and garaged his vehicle in New York.
Civil Penalty: $2,500

Manuel Encinas, Kearny, NJ
Order #22-51643-35, June 20, 2023
Respondent, Manuel Encinas, knowingly provided false and misleading information to lntegon National Insurance Company on an auto policy application dated April 18, 2022. Specifically, Mr. Encinas failed to disclose that his 2007 Dodge Ram 1500 was being used for commercial purposes.
Civil Penalty: $1,500

Jonathan Garcia, Edison, NJ
Order #22-52189-12, June 20, 2023
Respondent, Jonathan Garcia, knowingly provided false and misleading information to USAA Insurance Company on June 23, 2022 at 5:14 p.m. when he submitted two fraudulent PayPal receipts for one bicycle for $1,492.73 when, in fact, he had only purchased one bicycle for $749.99 on March 26, 2022 at 4:00 p.m.
Civil Penalty: $2,000

James W. Newman Jr., Hackensack, NJ
Order #22-53148-04, June 20, 2023
Respondent, James W. Newman Jr., knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim. Specifically, Mr. Newman stated that the damage to his vehicle occurred on June 29, 2022, when in fact the crash took place on June 19, 2022, which was before he purchased the insurance policy on June 20, 2022.
Civil Penalty: $4,000

Alysson B. Fabianmanzano, Somers Point, NJ
Order #22-53571-04, June 20, 2023
Respondent, Alysson B. Fabianmanzano, did knowingly provide materially false information to GEICO Insurance Company on October 26, 2022, and in a subsequent recorded statement, by indicating that the automobile accident occurred on October 13, 2022, after she reinstated her policy with GEICO, when, in fact, it occurred prior.
Civil Penalty: $2,500

 
May

Jennifer Castillo, Milford, NJ
Order #21-51047-04, May 4, 2023
Respondent, Jennifer Castillo, did knowingly provide materially false and misleading information to Plymouth Rock Management Company of New Jersey on December 9, 2020, by submitting an altered receipt in the amount of $5,644.08 in support of an automobile claim.
Civil Penalty: $3,500

Caide Wileczek, Sicklerville, NJ
Order #22-51992-04, May 4, 2023
Respondent, Caide Wileczek, did knowingly make a material misrepresentation to Drive New Jersey Insurance Company on June 6, 2022, and on a subsequent date in support of an automobile property damage claim.  Specifically, the Respondent provided a false Statement of No Loss indicating he had no losses during the lapse period, when, in fact, he was involved in a loss during the lapse.
Civil Penalty: $2,500

Franky Mendez, Pennsauken, NJ
Order #23-50405-04, May 4, 2023
Respondent, Franky Mendez, did knowingly make a material misrepresentation to New Jersey Manufacturers Insurance Company on November 21, 2022 in support of an automobile property damage claim for an accident that occurred on November 7, 2022, by stating that the loss occurred on November 14, 2022, when, in fact, it occurred prior to the policy inception.
Civil Penalty: $3,000

Stephen Andolora, Forked River, NJ
Order #23-50453-04, May 4, 2023
Respondent, Stephen Andolora, did knowingly provide materially false information to Progressive Garden State Insurance Company in a recorded statement dated January 10, 2023 in support of an automobile glass damage claim by reporting the loss occurred after the Respondent added a $50 glass deductible, when, in fact, it occurred prior to adding the glass deductible.
Civil Penalty: $2,000

RJRY Enterprises, Inc. and Roy Ramirez, Bronx, NY
Order #18-52322-28, May 9, 2023
Respondents, RJRY Enterprises, Inc. and Roy Ramirez, did knowingly provide materially false and misleading information on a New Jersey Commercial Automobile Insurance Plan (NJCAIP) application for commercial vehicle insurance dated August 31, 2017, by failing to disclose the true garaging location of the insured commercial vehicle registered under the name RJRY Enterprises, Inc.
Civil Penalty: $2,500

Adam N. Mhrez, and The People Call Center, LLC, West New York, NJ
Order #20-53628-09, May 16, 2023
Respondents, Adam Mhrez, and The People Call Center, LLC, did knowingly provide materially false and misleading information to Progressive Insurance Company in pursuit of an auto property damage claim dated September 21, 2020.  Specifically, Mr. Mhrez, and The People Call Center, LLC, fabricated the date and time of the loss which occurred before the policy inception as well as the true driver of the insured vehicle at the time of loss.
Civil Penalty: $3,500

Mohamed Abdalla, Elmwood Park, NJ
Order #21-51763-35, May 16, 2023
Respondent, Mohamed Abdalla, knowingly provided false and misleading information to Progressive Insurance Company on an automobile insurance application dated February 4, 2021. Specifically, Mr. Abdalla failed to disclose additional licensed resident drivers.
Civil Penalty: $1,500

Mandy L. Allen, Saddle Brook, NJ
Order #21-51781-35, May 16, 2023
Respondent, Mandy L. Allen, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on an automobile insurance policy renewal and on all policy actions between July 23, 2018, through August 14, 2021. Specifically, Ms. Allen failed to disclose all licensed household residents and regular operators.
Civil Penalty: $1,500

Diego M. Ortega, Clifton, NJ
Order #21-53174-04, May 16, 2023
Respondent, Diego M. Ortega, on September 7, 2021, knowingly provided false and misleading information and materials to the Progressive Group of Insurance Companies in pursuit and support of an automobile property damage claim.  Specifically, Mr. Ortega, after applying for auto insurance on September 1, 2021, stated that his vehicle had sustained serious water damage on September 2, 2021 as the result of Hurricane Ida, when in fact he intentionally flooded his own vehicle to pursue said claim.
Civil Penalty: $5,000

Murilo Almeida-Santos, Newark, NJ
Order #22-51682-04, May 16, 2023
Respondent, Murilo Almeida-Santos, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing a claim for damage to his windshield. Specifically, Mr. Almeida-Santos claimed that the windshield damage occurred on April 25, 2022, when in fact, the loss occurred on or before April 15, 2022, which was prior to him adding windshield glass coverage to his policy.
Civil Penalty: $1,000

Mustafa Ozturk and Ozturk Family Transportation, LLC, Vineland, NJ
Order #22-54189-04, May 16, 2023
Respondents, Mustafa Ozturk and Ozturk Family Transportation, LLC, did knowingly provide materially false information to Drive New Jersey Insurance Company on or about June 4, 2022 when adding a commercial vehicle to an existing commercial automobile policy, and on August 4, 2022, as well as during subsequent conversations, in support of an automobile property damage liability claim. Specifically, the Respondents indicated that they were unaware that the loss occurred when the vehicle was added to the commercial automobile insurance policy, when, in fact, they were aware that the loss occurred prior to the coverage addition.  Respondents backdated the coverage effective date for the loss vehicle to prior to the date of the loss, then filed a claim for the loss.
Civil Penalty: $3,500

Pauliene R. Mota, Bogota, NJ
Order #23-50313-31, May 16, 2023
Respondent, Pauliene A. Mota, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on May 21, 2022 by indicating that the policy address and garaging location of the insured vehicle was in Clementon, NJ when, in fact, the vehicle was garaged in Newark, NJ.
Civil Penalty: $2,500

Fatimah Ford, Florence, NJ
Order #23-50919-35, May 16, 2023
Respondent, Fatimah Ford, did knowingly provide materially false information to Drive New Jersey Insurance Company on an initial application for automobile insurance on July 20, 2022, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Maureen Lane, Elmer, NJ
Order #20-53882-24, May 24, 2023
Respondent, Maureen Lane, did knowingly provide false and misleading information to American Family Life Assurance Company (AFLAC) in support of twenty-four (24) invalid claims submitted from January 3, 2017 to February 25, 2020 for services not rendered on those dates.
Civil Penalty: $6,000

Harry W. Massey, Jr., East Orange, NJ
Order #21-54268-04, May 24, 2023
Respondent, Harry W. Massey, Jr., knowingly provided false and misleading information to GEICO Insurance Company on September 29, 2021 by submitting a fraudulent invoice in support of repair work completed on his insured vehicle.  Specifically, the Respondent submitted a fraudulent invoice for auto parts that he indicated he paid for when, in fact, the vehicle was never repaired.
Civil Penalty: $4,000

Aida Rodriguez, Jersey City, NJ
Order #22-51871-35, May 24, 2023
Respondent, Aida Rodriguez, did knowingly provide false and misleading information on an auto insurance application with Progressive Insurance Company on March 4, 2022 by failing to disclose an additional operator and household resident.
Civil Penalty: $1,500

Lamar T. Jacobs, Piscataway, NJ
Order #22-52930-04, May 24, 2023
Respondent, Lamar T. Jacobs, did knowingly provide materially false and misleading information to Progressive Insurance Company on August 30, 2022, in a recorded statement by claiming that his vehicle sustained damage on August 18, 2022 when, in fact, the damage occurred on August 4, 2022, prior to the inception of his auto insurance policy.
Civil Penalty: $2,500

Jose L. Corbacho Alcocer, Carteret, NJ
Order #22-53335-35, May 24, 2023
Respondent, Jose L. Corbacho Alcocer, did knowingly provide materially false and misleading information to Progressive Insurance Company on July 1, 2022, when completing an application for insurance, by failing to disclose that another individual was an operator and household resident. Civil Penalty: $1,500

Jacques J. Guire, Ill d/b/a SRS Parking Management Corporation
Order #22-53584-30, May 24, 2023
Respondents, Jacques J. Guire Ill d/b/a SRS Parking Management Corporation, did knowingly produce three (3) fraudulent ACORD Certificates of Liability Insurance dated December 2, 2019, October 30, 2020, and November 15, 2021, and presented same to Advanced Service Solutions, Inc. to secure an independent maintenance contract for snow and ice removal.
Civil Penalty: $3,000

Daysi Acevedo, Kenilworth, NJ
Order #23-50445-25, May 24, 2023
Respondent, Daysi Acevedo, did knowingly provide materially false information to State Farm Insurance Company on April 7, 2021 on a life insurance application.  Specifically, the Respondent signed an application for life insurance on behalf of the proposed insured, without the proposed insured's consent.
Civil Penalty: $1,500

Jacques J. Guire, Ill d/b/a Incident Management Response Team, LLC
Order #23-50687-38, May 24, 2023
Respondents, Jacques J. Guire, Ill d/b/a Incident Management Response Team, LLC (IMRT), did knowingly provide materially false information on application summaries to Hiscox Insurance Company, on or about August 22, 2019 and November 2, 2019, by purporting the primary type of business was "Answering/Paging Services", when in fact, IMRT was a towing and truck repair facility.
Civil Penalty: $3,000

Simone A. Skinner, Mays Landing, NJ
Order #23-50826-35, May 24, 2023
Respondent, Simone A. Skinner, did knowingly provide materially false information on an application for automobile insurance to CURE Auto Insurance Company on March 11, 2022, by failing to disclose an additional household member with a suspended New Jersey driver's license and the actual garaging location of the insured vehicle.  In addition, Simone A. Skinner, did knowingly provide materially false statements during a recorded call to CURE Auto Insurance Company on October 25, 2022, by indicating she was the operator of the insured vehicle involved in a loss on October 22, 2022, when, in fact, the vehicle was being operated by the undisclosed household member.
Civil Penalty: $2,000

Fritz G. Estinvil, Hillside, NJ
Order #19-51107-04, May 25, 2023
Respondent, Fritz G. Estinvil, knowingly concealed relevant information on an auto property damage claim with CURE Auto Insurance Company dated November 16, 2018.  Specifically, Mr. Estinvil failed to disclose that he was using the policy vehicle as a livery service driver at the time of loss.
Civil Penalty: $2,000

Nayeli Garcia, Passaic, NJ
Order #21-52839-04, May 25, 2023
Respondent, Nayeli Garcia, knowingly concealed relevant information from the Progressive Group of Insurance Companies on an automobile policy application.  Specifically, Ms. Garcia obtained an automobile insurance policy on August 5, 2021 at 4:24 p.m. and failed to disclose that the vehicle had just been involved in an accident; and the Respondent, Nayeli Garcia, knowingly provided false and misleading information to Progressive Insurance Group of Insurance Companies on August 8, 2021, in support of an automobile property damage claim.  Specifically, Ms. Garcia reported that her vehicle had been involved in an accident on August 5, 2021 at 6 p.m., when in fact, the accident occurred prior to policy inception.
Civil Penalty: $3,000

Luz M. Villafane, Bayonne, NJ
Order #21-53924-35, May 25, 2023
Respondent, Luz M. Villafane, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto insurance application dated January 9, 2021.  Specifically, Ms. Villafane failed to list a licensed household resident who regularly operated a policy vehicle.
Civil Penalty: $1,500

Lindsay Smith, Madison, NJ
Order #22-53716-09, May 25, 2023
Respondent, Lindsay Smith, knowingly provided false and misleading information to Progressive Insurance Company on an auto application dated September 3, 2022.  Specifically, Ms. Smith failed to list all regular operators of the insured vehicle; and Respondent, Lindsay Smith, knowingly provided false and misleading information to Progressive Insurance Company in pursuit of an auto property damage claim on October 24, 2022.  Specifically, Ms. Smith stated that she was the driver of the policy vehicle on the date loss, when in fact, her fiancé who is an unlisted driver, was driving.
Civil Penalty: $2,500

Miyoung Cho, Fort Lee, NJ
Order #22-50595-04, May 25, 2023
Respondent, Miyoung Cho, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an auto property damage claim.  Specifically, on January 19, 2022, Ms. Cho reduced her collision coverage deductible.  She reported the damage claim as occurring on or about January 25, 2022, when in fact, the damage occurred on or about January 18, 2022, which was before the change in coverage.
Civil Penalty: $2,500

Fernando Lopez, Ridgewood, NY
Order #22-52790-31, May 25, 2023
Respondent, Fernando Lopez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated July 30, 2021 and on subsequent policy renewal declarations.  Specifically, Mr. Lopez stated that he resided and garaged his vehicle in New Jersey, when in fact, he primarily resided and garaged his vehicle in New York; and Respondent, Fernando Lopez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of a property damage claim relating to a loss on June 3, 2022.  Specifically, Mr. Lopez submitted a fictitious apartment rental lease agreement indicating that he resided in New Jersey, when in fact, he resided in New York.
Civil Penalty: $3,500

 
April

Manny A. Segura Montero, Paterson, NJ
Order #22-50861-35, April 4, 2023
Respondent, Manny A. Segura Montero, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on January 11, 2022.  Specifically, Manny A. Segura Montero, stated that an additional driver being added to the policy was not involved in any motor vehicle accidents in the past five years when, in fact, they were involved in an auto accident with the vehicle he was adding earlier that day.
Civil Penalty: $1,500

Lisa Naboulsi AKA Lisa Maggio, Morganville, NJ
Order #22-51551-04, April 4, 2023
Respondent, Lisa Naboulsi AKA Lisa Maggio, knowingly provided false and misleading information to the Progressive Group of Insurance Companies during a Statement of No Loss on March 27, 2022 at 4:51 p.m.  Specifically, Respondent stated that the additional driver being added to the policy along with the policy vehicle had not been involved in any accidents in the past five (5) years when, in fact, the household member was in a motor vehicle accident with the added policy vehicle that same day at 2:30 p.m. prior to being added to the policy.
Civil Penalty: $2,500

Juan L. Pineda, Hamilton, NJ
Order #22-51642-35, April 4, 2023
Respondent, Juan L. Pineda, knowingly provided materially false and misleading information to Automobile Insurance Plan Service Office (AIPSO) on three New Jersey Special Automobile Insurance Plan (NJAIP) applications dated between 2021 and 2022, by failing to disclose that he was obtaining insurance for monetary gain in order to sell the vehicles to others who could not secure automobile insurance on their own.
Civil Penalty: $2,500

Jayshawn Bankston, Trenton, NJ
Order #22-52486-35, April 4, 2023
Respondent, Jayshawn Bankston, knowingly provided false and misleading information to Progressive Insurance Company on July 25, 2022, when he reported that he was involved in an accident on July 24, 2022 after the policy inception, when, in fact, the accident occurred prior to the policy's inception.
Civil Penalty: $2,500

John Ridley, Somerset, NJ
Order #22-52875-04, April 4, 2023
Respondent, John Ridley, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in a recorded statement on August 10, 2022, by stating that a loss occurred to his policy vehicle on August 4, 2022 when, in fact, the loss occurred on March 17, 2022, prior to the addition of glass coverage to the policy.
Civil Penalty: $1,500

Alexander Santana, Vineland, NJ
Order #22-54059-35, April 4, 2023
Respondent, Alexander Santana, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on April 7, 2022, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Reginald Small, Trenton, NJ
Order #22-51959-04, April 11, 2023
Respondent, Reginald Small, did knowingly provide materially false information to Progressive Garden State Insurance Company on May 24, 2022, and during subsequent calls, in support of an automobile property damage claim.  Specifically, the Respondent indicated that the loss occurred after the addition of comprehensive and collision coverages to his automobile policy when, in fact, the loss occurred prior to the policy change.
Civil Penalty: $2,500

Jennie Ho, Marlboro, NJ
Order #22-52585-47, April 11, 2023
Respondent, Jennie Ho, did knowingly provide materially false information to Lemonade Insurance Company on June 1, 2022, by submitting a fraudulent invoice in support of a pet insurance claim.
Civil Penalty: $1,500

Jennifer Johnson, Pennington, NJ
Order #22-53878-35, April 11, 2023
Respondent, Jennifer Johnson, did knowingly make a material misrepresentation to Plymouth Rock Assurance Company on an automobile application dated April 5, 2021, by failing to disclose the commercial use of the policy vehicle.
Civil Penalty: $1,500

Carmen Ninobla, Jersey City, NJ
Order #18-50024-03, April 18, 2023
Respondent, Carmen Ninobla, knowingly provided false and misleading statements on an auto theft claim with Progressive Insurance dated July 2, 2017, specifically, by stating her vehicle was stolen, when in fact it was not.
Civil Penalty: $3,000

Norton Smith, Newark, NJ
Order #20-52461-04, April 18, 2023
Respondent, Norton Smith, provided false and misleading information to Progressive Insurance Company when reporting a vehicle damage claim.  Specifically, Norton Smith reported that his vehicle was damaged on June 10, 2020 when, in fact, the vehicle damage was present on May 19, 2020, seven days prior to policy inception of May 26, 2020.
Civil Penalty: $1,000

Ivory L. Robins, Passaic, NJ
Order #21-52844-09, April 18, 2023
Respondent, Ivory L. Robins, knowingly provided false and misleading information to CURE Insurance Company when submitting an application for a personal automobile insurance policy dated July 30, 2020.  Specifically, Ms. Robins failed to disclose that she is self-employed, and that the policy vehicle would be used commercially for her business.
Civil Penalty: $2,500

Nilsa Hernandez, North Bergen, NJ
Order #22-52066-35, April 18, 2023
Respondent, Nilsa Hernandez, did knowingly provide materially false information to Progressive Insurance Company on an automobile insurance application dated January 18, 2022, by failing to disclose a licensed household driver of the policy vehicle.
Civil Penalty: $1,500

Mark Pontevedra, South Plainfield, NJ
Order #22-52375-51, April 18, 2023
Respondent, Mark Pontevedra, did knowingly provide materially false and misleading information to Progressive Insurance Company on June 7, 2022 at 9:04 a.m., on a Statement of No Loss by indicating that his policy vehicle had not been involved in any accidents since the policy cancellation on June 3, 2022 when in fact, it had been involved in an accident on June 7, 2022 at 9:01 a.m., prior to the reinstatement of the policy.
Civil Penalty: $2,500

Zephaniah Ramos, Union City, NJ
Order #22-53305-04, April 18, 2023
Respondent, Zepheniah Ramos, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies when pursuing an automobile property damage claim.  Specifically, Mr. Ramos stated that the damages to his vehicle occurred on August 31, 2022, when in fact, the damages occurred on August 30, 2022, which was prior to policy inception.
Civil Penalty: $2,500

Robert S. Montgomery
Order #15-54951-10, April 25, 2023
Respondent, Robert S. Montgomery, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company on or about October 28, 2015, by submitting a handwritten letter and two (2) proposals for roof repair marked "PAID", when, in fact, no repairs had been previously made.
Civil Penalty: $3,000

Stephen Colman, Ocean, NJ
Order #20-54264-37, April 25, 2023
Respondent, Stephen Colman, knowingly made false and misleading statements on a homeowner’s insurance application with Farmers Insurance Exchange dated November 10, 2020, by indicating the property being insured had no undisclosed damage when, in fact, he knew damage had occurred earlier that morning before the policy incepted.
Civil Penalty: $2,000

George LaRosa, Barnegat, NJ
Order #21-52714-30, April 25, 2023
Respondent, George LaRosa, did knowingly present or caused to be presented, a fraudulent Certificate of Liability Insurance containing false and misleading information in support of a proposal to secure employment dated August 11, 2021.
Civil Penalty: $1,000

Derek Hayward, East Orange, NJ
Order #22-51082-04, April 25, 2023
Respondent, Derek Hayward, did knowingly provide materially false and misleading information to United Services Automobile Association (USAA) Insurance Company in pursuit of an automobile claim on March 3, 2022.  Specifically, Respondent, submitted a photograph to the carrier showing damage to his insured 2018 Chevy Impala when, in fact, the same claim for the same damage was previously paid in full from a loss in 2020.
Civil Penalty: $1,500

Payal U. Patel, Galloway, NJ
Order #22-51210-34, April 25, 2023
Respondent, Payal U. Patel, did knowingly make materially false statements to AMEX Assurance Company on February 10, 2022, on a Purchase Protection Claim Form, by indicating her Spinelli Diamond Ring was lost or stolen on February 2, 2022, when, in fact, she returned it for a full refund on January 22, 2022.
Civil Penalty: $3,000

Audra Catalini, Somerset, NJ
Order #22-51814-35, April 25, 2023
Respondent, Audra Catalini, knowingly provided materially false and misleading information to New Jersey Manufacturers Insurance Company by submitting an altered vehicle lease on January 10, 2022 and April 28, 2022 in support of her claim.
Civil Penalty: $2,500

Shamore A. Collins, Millville, NJ
Order #22-52730-04, April 25, 2023
Respondent, Shamore A. Collins, did knowingly make materially false statements to Progressive Garden State Insurance Company on July 24, 2022, and on other subsequent dates, in support of his automobile claim, by indicating the time of the loss to be 11:45 p.m. on July 23, 2022, after he obtained his automobile policy, when, in fact, the actual time of the loss was 11:25 a.m., which was prior to the policy inception.
Civil Penalty: $2,500

Malachi Houston, Brooklyn, NY
Order #22-53817-35, April 25, 2023
Respondent, Malachi Houston, did knowingly provide materially false information to Progressive Garden State Insurance Company beginning on February 15, 2022, on his application for automobile  insurance, and in subsequent conversations and submissions by falsely claiming that he resided in New Jersey, when, in fact, he resided in New York.  This event resulted in a third-party claim for benefits.
Civil Penalty: $2,500

Traceea Walker, Trenton, NJ
Order #22-54068-35, April 25, 2023
Respondent, Traceea Walker, did knowingly provide materially false information to Plymouth Rock Assurance Company on December 26, 2020, and on a subsequent date.  Specifically, Respondent failed to disclose another individual as a household resident and operator of the policy vehicle.
Civil Penalty: $1,500

Darren M. Reuter, Chester, NJ
Order #22-54171-35, April 25, 2023
Respondent, Darren M. Reuter, did knowingly provide materially false information on an automobile renewal questionnaire to New Jersey Manufacturers Insurance Company (NJM) on November 15, 2017, and during a recorded telephone call with NJM on June 3, 2022, by failing to disclose additional licensed household member(s).
Civil Penalty: $2,000

Romaria Da Silva, Burlington, NJ
Order #22-54336-35, April 25, 2023
Respondent, Romaria Da Silva, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on an initial application for automobile insurance on November 28, 2022, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Jonathan Martinez, Pennsauken, NJ
Order #22-54355-04, April 25, 2023
Respondent, Jonathan Martinez, did knowingly make material misrepresentations to Progressive Garden State Insurance Company on November 6, 2022, 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 October 24, 2022, when, in fact, the loss occurred prior to him adding comprehensive coverage with a $50 glass deductible to his policy on September 24, 2022.
Civil Penalty: $1,500

Alice Mayfield
Order #23-50526-35, April 25, 2023
Respondent, Alice Mayfield, did knowingly provide materially false information to Drive New Jersey Insurance Company on an initial application for automobile insurance on November 9, 2022, by failing to disclose another individual would be the primary operator of one of the policy vehicles.
Civil Penalty: $1,500

Owen Loffredo Jr., and Allserveco Trucking LLC, Fairfield, NJ
Order #16-54532-40, April 26, 2023
Respondents, Owen Loffredo Jr., and Allserveco Trucking LLC, knowingly concealed and misrepresented information to New Jersey Manufacturers Insurance Company on a Workers Compensation policy application dated October 14, 2011 as well as on subsequent renewals through October 2016.  Specifically, Mr. Loffredo and Allserveco Trucking LLC, failed to disclose the number of truck drivers and the proper rating class codes along with the number of trucks operated for the business in an effort to lower their premiums.
Civil Penalty: $5,000

Darilka E. Polanco-Moya, and L&D General Construction LLC, Kearny, NJ
Order #18-53975-40, April 26, 2023
Respondents, Darilka E. Polanco-Moya, and L&D General Construction LLC, did knowingly provide false and misleading information to the New Jersey Manufacturers Insurance Company on a Workers Compensation policy for the period of July 10, 2017 through July 10, 2018.  Specifically, Ms. Polanco-Moya, and L&D General Construction LLC, misclassified employees by failing to disclose that the business performed roofing work and misrepresented the number of employees and total payroll wages in an effort to reduce their Workers Compensation Premium.
Civil Penalty: $3,300

Joselyn L. Diaz, and Joselyn & Jean Contracting LLC, Roselle, NJ
Order #20-50804-40, April 26, 2023
Respondents, Joselyn L. Diaz, and Joselyn & Jean Contracting LLC, knowingly provided misleading information to the Insurance Company of the West on a Workers Compensation policy application dated December 9, 2018.  Specifically, Ms. Joselyn L. Diaz and Joselyn & Jean Contracting LLC, failed to disclose the use of subcontractors, as well as failure to list all paid employees in an effort to reduce their Premiums.
Civil Penalty: $5,000

Donnell B. Campbell, East Orange, NJ
Order #21-53943-10, April 26, 2023
Respondent, Donnell B. Campbell, knowingly provided false and misleading information to Garrison Property and Casualty Insurance Company in pursuit of a homeowner's property damage claim on August 22, 2021.  Specifically, Mr. Campbell provided false documentation regarding computer diagnostics along with a fictitious invoice to gain coverage.
Civil Penalty: $4,000

Luis G. Freire, Washington Twp., NJ
Order #22-50192-35, April 26, 2023
Respondent, Luis G. Freire, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto policy application dated November 10, 2021.  Specifically, Mr. Freire failed to disclose a regular operator of the policy vehicle and that the vehicle would be primarily garaged in Connecticut.
Civil Penalty: $2,000

Remberth Vasquez, Kearny, NJ
Order #22-51438-35, April 26, 2023
Respondent, Remberth Vasquez, knowingly concealed relevant information from New Jersey Manufacturers Insurance Company while renewing an automobile insurance policy dated March 31, 2021, by failing to disclose an additional licensed household member.
Civil Penalty: $1,500

Juana Vazquez, Bayonne, NJ
Order #22-51687-04, April 26, 2023
Respondent, Juana Vazquez, knowingly provided false and misleading information to Progressive Garden State Insurance Company in support of an auto property damage claim.  Specifically, Ms. Vazquez reported that her vehicle was involved in a loss on April 4, 2022, when in fact, the crash occurred months earlier prior to the inception of the policy.
Civil Penalty: $3,500

Sean English, Andover, NJ
Order #22-53471-51, April 26, 2023
Respondent, Sean English, knowingly provided false and misleading information to Progressive Insurance Company on a Statement of No Loss dated August 14, 2022.  Specifically, Mr. English indicated that his policy vehicle had not been involved in any accidents between July 21, 2022 and August 14, 2022 at 5:36 a.m., when in fact it had been involved in an accident earlier that same day.
Civil Penalty: $2,500

 
March

Ryan Ramraju, Jersey City, NJ
Order #21-54366-51, March 8, 2023
Respondent, Ryan Ramraju, knowingly provided false and misleading information to Progressive Insurance Company on a statement of no loss dated November 8, 2021 at 8:31 p.m.  Specifically, Mr. Ramraju indicated that his policy vehicle had not been involved in any accidents since the policy cancelled on October 28, 2021, when in fact it had been involved in an accident earlier that same day.
Civil Penalty: $2,500

Marbella M. Mencia Guerra, Whippany, NJ
Order #22-51268-04, March 8, 2023
Respondent, Marbella M. Mencia Guerra, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on March 9, 2022, when reporting a claim for damage to her windshield.  Specifically, Ms. Mencia Guerra claimed that windshield damage occurred on March 7, 2022, when in fact, the loss occurred on or before January 12, 2022, which was prior to her lowering the comprehensive deductible on her policy.
Civil Penalty: $1,000

Jose D. Rivera, Glen Ridge, NJ
Order #22-51903-35, March 8, 2023
Respondent, Jose D. Rivera, did knowingly provide false and misleading information on his auto insurance application with Progressive Insurance Company on October 22, 2021 by failing to disclose an additional operator and household resident.
Civil Penalty: $1,500

Welington Cruz, Jersey City, NJ
Order #22-51933-04, March 8, 2023
Respondent, Welington Cruz, knowingly concealed relevant information from Progressive Insurance Company on an automobile policy application.  Specifically, Mr. Cruz obtained an automobile insurance policy on June 2, 2022, at 7:02 a.m. and failed to disclose that he had just been involved in an accident. Respondent knowingly provided false and misleading information to Progressive Insurance Company on June 9, 2022, during the third party property damage claims process. Specifically, Mr. Cruz reported that his vehicle had been involved in an accident after his policy went into effect, when in fact, the accident occurred prior to policy inception.
Civil Penalty: $3,000

Kathalina Soto, Pennsauken, NJ
Order #22-52160-35, March 8, 2023
Respondent, Kathalina Soto, did knowingly provide materially false information to Plymouth Rock Assurance Corporation on an initial application for automobile insurance on March 01, 2019, and on a subsequent date by failing to disclose another individual as a household member.
Civil Penalty: $1,500

Noah B. Osterhus, Hillsborough, NJ
Order #22-52489-04, March 8, 2023
Respondent, Noah B. Osterhus, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on July 5, 2022, during a recorded statement by stating that a loss occurred on July 3, 2022 when, in fact, the loss occurred on June 22, 2022, prior to the addition of glass coverage to the policy.
Civil Penalty: $1,500

Wilfredo Medina-Avila, New Brunswick, NJ
Order #22-52616-35, March 8, 2023
Respondent, Wilfredo Medina-Avila, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Group, on his March 27, 2019, automobile renewal questionnaire, and in a recorded call on August 5, 2019, by failing to disclose that another individual was a licensed household resident.
Civil Penalty: $1,500

Thomas Karlo, Brick, NJ
Order #22-54305-04, March 8, 2023
Respondent, Thomas Karlo, did knowingly provide materially false information on an automobile insurance claim dated December 19, 2022, and in a subsequent conversation on December 20, 2022 with the Progressive Group of Insurance Companies, by falsely claiming his vehicle was damaged on December 19, 2022, after coverage was added to his policy, when, in fact, the loss occurred prior to the addition of glass coverage.
Civil Penalty: $2,000

Shakyia Sumner, Riverton, NJ
Order #18-53826-04, March 14, 2023
Respondent, Shakyia Sumner, did knowingly provide materially false information to Esurance Property and Casualty Insurance Company on September 17, 2018, in support of an automobile property damage claim.  Specifically, she reported that the loss occurred after the policy inception date of September 16, 2018, knowing that the loss occurred on September 15, 2018, prior to the policy inception.
Civil Penalty: $2,500

Demitrius Covington, East Orange, NJ
Order #21-54093-04, March 14, 2023
Respondent, Demitrius Covington, knowingly provided materially false and misleading information to Progressive Insurance Company when reporting an automobile damage claim on November 15, 2021.  Specifically, Mr. Covington indicated that the loss occurred after he added comprehensive and collision coverage to his policy on November 2, 2021 when, in fact, the loss occurred prior to the change in coverage.
Civil Penalty: $1,500

Juan Peguero, Somerset, NJ
Order #22-52649-35, March 14, 2023
Respondent, Juan Peguero, did knowingly provide materially false and misleading information on an application for automobile insurance with Plymouth Rock Assurance Corporation on November 20, 2020 by failing to disclose an additional licensed driver and household resident.
Civil Penalty: $1,500

Rakib Ahmed, Atlantic City, NJ
Order #22-53279-04, March 14, 2023
Respondent, Rakib Ahmed, did knowingly provide materially false information to Progressive Garden State Insurance Company on September 9, 2022, and during subsequent statements in support of an automobile property damage claim. Specifically, the Respondent reported an automobile loss occurred on September 9, 2022, knowing that the loss actually occurred on July 30, 2022. Additionally, he failed to disclose that at the time of the loss his vehicle was being used for ridesharing purposes in order to obtain a lower deductible.
Civil Penalty: $2,500

Lorna Barker, Paterson, NJ
Order #21-50654-35, March 15, 2023
Respondent, Lorna Barker, did knowingly provide false and misleading statements to New Jersey Manufacturers Insurance Company when applying for an automobile insurance policy on September 13, 2017, by failing to disclose all household residents.
Civil Penalty: $1,500

Ross Veltri, Garfield, NJ
Order #21-53607-35, March 15, 2023
Respondent, Ross Veltri, knowingly provided false and misleading information on his automobile insurance application with CURE Auto Insurance Company dated September 7, 2021.  Specifically, Mr. Veltri concealed pertinent information regarding his true marital status and failed to disclose all licensed household residents and drivers.
Civil Penalty: $1,500

Austin J. Halls, Montclair, NJ
Order #22-53936-51, March 15, 2023
Respondent, Austin J. Halls, did knowingly provide materially false and misleading information to Progressive Insurance Company on November 16, 2022, at 4:46 p.m., on a statement of no loss, by stating that his policy vehicle had not been involved in any accidents since the policy canceled on November 10, 2022 when, in fact, it had been involved in an accident on November 16, 2022, prior to reinstatement of the policy.  Furthermore, Austin J. Halls falsely reported the loss as having occurred at 5:09 p.m.
Civil Penalty: $2,500

Jabril Doty, Somerset, NJ
Order #22-50131-04, March 22, 2023
Respondent, Jabril Doty, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on December 30, 2021 in support of an automobile damage claim for his insured vehicle.  Specifically, the Respondent stated that the damage to his insured vehicle occurred on December 28, 2021 when, in fact, the loss occurred on November 28, 2021, prior to the policy inception.
Civil Penalty: $2,500

Ashley Hall, Amityville, NY
Order #22-50368-04, March 22, 2023
Respondent, Ashley Hall, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies by reporting an auto damage claim on January 18, 2022, purporting that damages were sustained to her 2014 Mazda 6 on January 18, 2022 at 12:30 p.m. when, in fact, the damages were sustained in an automobile accident on January 13, 2022 at approximately 12:10 p.m., which was prior to the effective date of the reinstatement.
Civil Penalty: $2,500

Benchee Presume, Kew Gardens, NY
Order #22-52696-31, March 22, 2023
Respondent, Benchee Presume, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an auto insurance application dated February 27, 2022 and in recorded statements on July 28, 2022, August 3, 2022 and August 8, 2022, by misrepresenting his primary address as 241 South Arlington Avenue, Apartment 201, East Orange, New Jersey 07018 when, in fact, he resided in New York.
Civil Penalty: $2,500

Yao Meng, Piscataway, NJ
Order #22-53378-51, March 22, 2023
Respondent, Yao Meng, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on July 27, 2022 at 6:12 p.m., on a statement of no loss, by stating that the policy vehicle had not been involved in any accidents since the policy had cancelled on July 10, 2022 when, in fact, it had been involved in an accident on July 27, 2022 at 5:55 p.m., prior to the reinstatement of the policy.
Civil Penalty: $2,500

Jason Price, Pittsgrove, NJ
Order #23-50157-04, March 22, 2023
Respondent, Jason Price, did knowingly provide materially false information on an automobile insurance claim dated December 3, 2022, and in a subsequent conversation on December 6, 2022 with Progressive Garden State Insurance Company, by falsely claiming his vehicle was damaged on December 3, 2022, after coverage was added to his policy, when, in fact, the loss occurred prior to the addition of glass coverage.
Civil Penalty: $2,000

Joseph T. DeGruttalo, Bloomfield, NJ
Order #19-53879-35, March 28, 2023
Respondent, Joseph T. DeGruttalo, did knowingly fail to disclose and concealed an occurrence of an event on April 2, 2019, to Progressive Insurance Company.  Specifically, Respondent presented another person's bank account for payment of his own insurance premium, when, in fact, he was not entitled to do so.
Civil Penalty: $5,000

Julissa Alvarez, Belleville, NJ
Order #20-54692-35, March 28, 2023
Respondent, Julissa Alvarez, did knowingly make materially false statements to the Progressive Group of Insurance Companies on an auto application dated September 16, 2020 by failing to disclose an additional regular operator and the true garaging location of the insured vehicle.
Civil Penalty: $1,500

Nokossan Camara, Paterson, NJ
Order #22-51135-35, March 28, 2023
Respondent, Nokossan Camara, knowingly made false and misleading statements to the Progressive Group of Insurance Companies on an automobile insurance policy application dated September 13, 2021.  Specifically, Ms. Camara failed to disclose her accurate marital status and all licensed household residents and regular operators.
Civil Penalty: $1,500

Gladys Jeszeck, Piscataway, NJ
Order #22-52614-35, March 28, 2023
Respondent, Gladys Jeszeck, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on a policy renewal questionnaire dated February 12, 2019, and during the policy term, by failing to disclose an additional household member and/or operator of the policy vehicle(s).
Civil Penalty: $1,500

James Kwok, Forest Hills, NY
Order #22-53407-31, March 28, 2023
Respondent, James Kwok, did knowingly provide false and misleading information on a Progressive Auto Insurance Application effective February 23, 2022, by indicating that he resided and garaged his vehicles in New Jersey, when in fact, he primarily resided and garaged his vehicles in New York.
Civil Penalty: $2,500

Ellen Virgillo, Bridgeton, NJ
Order #23-50028-35, March 28, 2023
Respondent, Ellen Virgillo, did knowingly provide materially false and misleading information to Drive New Jersey Insurance Company on April 16, 2022, when submitting an application for an automobile insurance policy.  Specifically, the Respondent failed to disclose another individual as a licensed household resident and operator of the policy vehicle.
Civil Penalty: $1,500

Kouame Nzi, Bronx, NY
Order #22-53603-31, March 28, 2023
Respondent, Kouame Nzi, knowingly provided false and misleading information on an application for automobile insurance with Progressive Insurance Company dated February 7, 2022. Specifically, Mr. Nzi stated that the garaging address for his policy vehicle was in Jersey City, NJ, when in fact, it was in Bronx, NY.
Civil Penalty: $2,500

Danyell Peter, Moorestown, NJ
Order #23-50310-04, March 28, 2023
Respondent, Danyell Peter, did knowingly make a material misrepresentation to Drive New Jersey Insurance Company on December 8, 2022, and in recorded phone calls in support of an automobile property damage claim for an accident that occurred on December 2, 2022, by stating that the loss occurred after she incepted the policy, when, in fact, it occurred prior.
Civil Penalty: $2,500

 
February

Elaine A. Youngblood, Orange, NJ
Order #22-52418-25, February 7, 2023
Respondent, Elaine A. Youngblood, did knowingly provide materially false information on an application for auto insurance with New Jersey Manufacturers Insurance Company dated February 10, 2020, by failing to disclose two other regular operators of insured vehicles.
Civil Penalty: $1,500

Gil A. Delossantos-Ventu
Order #22-52454-35, February 7, 2023
Respondent, Gil A. Delossantos-Ventu, did knowingly provide materially false information to CURE Automobile Insurance Company when he added a new vehicle to the policy on January 29, 2022, by failing to disclose another individual as driver of a policy vehicle and a household resident.
Civil Penalty: $1,500

Elissa M. Llerandi, Vineland, NJ
Order #22-53413-35, February 7, 2023
Respondent, Elissa M. Llerandi, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for automobile insurance on February 26, 2022, and during a recorded call on September 9, 2022, by failing to disclose an additional household member and operator of the insured vehicles.
Civil Penalty: $1,500

Lamar K. Williams, Cherry Hill, NJ
Order #22-53522-04, February 7, 2023
Respondent, Lamar K. Williams, did knowingly provide materially false information to Progressive Garden State Insurance Company on September 7, 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 September 7, 2022, when, in fact, the loss occurred prior to obtaining his policy and the addition of the $50 glass deductible.
Civil Penalty: $2,000

Monica Bossi and VPV Transport LLC, Hamilton, NJ
Order #20-51602-40, February 14, 2023
Respondents, Monica Bossi, and VPV Transport LLC, knowingly provided false and misleading statements to New Jersey Casualty Insurance Company on an application for workers compensation insurance dated November 20, 2018. Specifically, Ms. Bossi and VPV Transport LLC, concealed the true size of their operation, as well as misrepresenting the classification of workers in an effort to reduce their workers compensation premium.
Civil Penalty: $5,000

William Kukielka and 260 Westfield Partners LLC, New York, NY
Order #20-52790-16, February 14, 2023
Respondents, William Kukielka, and 260 Westfield Partners LLC, provided false and misleading information to Hartford Financial Services Group on June 10, 2020, in pursuit of a commercial property damage claim.  Specifically, Mr. Kukielka, and 260 Westfield Partners LLC, submitted an inflated estimate for a damaged awning repair.
Civil Penalty: $5,000

David Molion Jr., Washington, NJ
Order #21-51263-39, February 14, 2023
Respondent, David Molion Jr., knowingly provided false and misleading information to New York Life Insurance Company on a personal and health history application dated February 17, 2021 by failing to disclose his complete medical history.  Respondent, David Molion Jr., knowingly provided false and misleading information to New York Life Insurance Company on a personal and health history application dated May 7, 2022 by failing to disclose his complete medical history as well as indicating that he was never declined for any type of life insurance in the last five years.
Civil Penalty: $3,000

Garrett Wagner, Sr. and Garrett Wagner Construction LLC, Toms River, NJ
Order #21-53970-30, February 14, 2023
Respondents, Garrett Wagner, Sr. and Garrett Wagner Construction LLC, jointly and severally, did knowingly provide false and misleading information to a third-party business by presenting two fraudulent Certificate of Insurance documents dated July 12, 2021 and October 15, 2021, in order to secure employment.
Civil Penalty: $2,000

Gina Yoon, Fort Lee, NJ
Order #22-51932-35, February 14, 2023
Respondent, Gina Yoon, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an automobile insurance application dated May 13, 2021, by failing to disclose a resident driver of the policy vehicle.
Civil Penalty: $1,500

Joseph V. Monaghan, Cherry Hill, NJ
Order #22-53395-36, February 14, 2023
Respondent, Joseph V. Monaghan, did knowingly provide materially false information on an application for supplemental cancer insurance to Mutual of Omaha Insurance Company on November 15, 2021, by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Jannie Sepulveda, Mays Landing, NJ
Order #22-53429-41, February 14, 2023
Respondent, Jannie Sepulveda, did knowingly present false and misleading information to American Health and Life Insurance Company on May 9, 2022, in support of a disability claim by submitting a fraudulent attending physician statement.
Civil Penalty: $2,000

Breylin Acosta, Paulsboro, NJ
Order #22-53914-04, February 14, 2023
Respondent, Breylin Acosta, did knowingly provide materially false information to Progressive Garden State Insurance Company on November 11, 2022, and during a subsequent call, in support of an automobile property damage claim. Specifically, the Respondent indicated that the loss occurred after comprehensive coverage had been added to her policy when, in fact, the loss occurred prior to the coverage change.
Civil Penalty: $2,500

Maruf Rahman, Franklin Park, NJ
Order #22-51808-51, February 21, 2023
Respondent, Maruf Rahman, did knowingly provide false and misleading information to Progressive Insurance Company when reporting a vehicle damage claim.  Specifically, Respondent reported that his policy vehicle was damaged on May 21, 2022 when, in fact, the damage was present prior to May 5, 2022, when he reduced the collision deductible on his automobile policy.
Civil Penalty: $1,500

Maria Cacioppo, Staten Island, NY
Order #22-52550-35, February 21, 2023
Respondent, Maria Cacioppo, did knowingly provide materially false information to Progressive Insurance Company on an automobile application dated January 25, 2022, by failing to disclose the true garaging location of the policy vehicle.
Civil Penalty: $2,500

Yitzchak Lunger, Toms River, NJ
Order #22-53106-04, February 21, 2023
Respondent, Yitzchak Lunger, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 14, 2022, and during subsequent calls, in support of an automobile glass damage claim. Specifically, the Respondent reported that the damage to the vehicle occurred on July 14, 2022, when, in fact, the loss occurred prior to the addition of the $50 glass deductible to his policy.
Civil Penalty: $2,000

Breyonna G. Jenkins, Irvington, NJ
Order #18-54910-35, February 28, 2023
Respondent, Breyonna G. Jenkins, conspiring with another individual, knowingly provided false and misleading information in relation to a Progressive Group of Insurance Companies automobile policy that was issued on July 2, 2018.  Specifically, Ms. Jenkins was not disclosed as a licensed resident or regular operator of the insured vehicle.
Civil Penalty: $1,500

Vance E. Mills
Order #19-51276-51, February 28, 2023
Respondent, Vance E. Mills, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on August 3, 2018, during a recorded call by providing a false statement of no loss and during a recorded call on August 10, 2018, by providing a false date of loss in support of an automobile claim.
Civil Penalty: $2,500

Byung Sun (Eric) Jin and K2 Auto Body, Edgewater, NJ
Order #22-51125-04, February 28, 2023
Respondents, Byung Sun (Eric) Jin, and K2 Auto Body, on March 24, 2022 knowingly conspired with another individual when providing false and misleading information to Progressive Garden State Insurance Company in the pursuit of an auto property damage claim.  Specifically, Mr. Jin and K2 Auto Body, reported the date of loss as March 19, 2022, when in fact the loss occurred on or about February 24, 2022, which was prior to the policy inception.
Civil Penalty: $2,500

Adrian Williamson, Queens Village, NY
Order #22-52564-35, February 28, 2023
Respondent, Adrian Williamson, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on April 18, 2022, and on a subsequent date by indicating that the policy address and garaging location of the insured vehicle was in Trenton, NJ when, in fact, the vehicle was garaged in New York.  Respondent also provided materially false documents to Progressive Garden State Insurance Company on July 19, 2022, consisting of NY EZ Pass documents which were altered.
Civil Penalty: $2,500

Michael Morris, Fairview, NJ
Order #22-52898-51, February 28, 2023
Respondent, Michael Morris, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a statement of no loss form dated August 16, 2022 indicating that he was not involved in any motor vehicle accidents during a policy lapse period, when in fact, he was  involved in a motor vehicle accident on August 15, 2022.
Civil Penalty: $2,500

Philip McCue, Galloway, NJ
Order #22-53679-04, February 28, 2023
Respondent, Philip McCue, did knowingly provide materially false information to Progressive Garden State Insurance Company on September 19, 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 September 19, 2022, when in fact, the loss occurred prior to obtaining the $50 glass deductible.
Civil Penalty: $2,000

 
January

Todd Koropsak, Bayonne, NJ
Order #20-54684-04, January 10, 2023
Respondent, Todd Koropsak, knowingly made false and misleading statements to Liberty Mutual Insurance Company in support of an automobile property damage claim.  Specifically, on December 20, 2020, Mr. Koropsak stated that there was no prior damage on his vehicle, when in fact, there was.
Civil Penalty: $3,500

Denzil O. Mitchell, Brooklyn, NY
Order #21-52592-31, January 10, 2023
Respondent, Denzil O. Mitchell, did knowingly provide materially false information on an application for auto insurance with Progressive Insurance Company dated January 22, 2021, by falsely claiming he lived in Irvington, NJ, when, in fact, he resided in Brooklyn, NY.
Civil Penalty: $3,500

Anibal J. Delgadillo, Union City, NJ
Order #21-53076-04, January 10, 2023
Respondent, Anibal J. Delgadillo, did knowingly provide false and misleading statements to GEICO Insurance Company when pursuing an auto property damage claim.  Specifically, Mr. Delgadillo stated that his insured vehicle was involved in a hit-and-run accident on August 30, 2021 at 12:10 p.m., when in fact, the crash occurred on August 28, 2021 at 6:37 p.m., prior to him adding collision coverage to his insurance policy on August 28, 2021 at 7:41 p.m.
Civil Penalty: $3,500

Shakera S. Paisley, Jamaica, NY
Order #22-50817-31, January 10, 2023
Respondent, Shakera S. Paisley, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an auto application dated November 13, 2020.  Specifically, Ms. Paisley listed her residence and vehicle garaging address in East Rutherford, NJ, when, in fact, she primarily resided and garaged the insured vehicle in Jamaica, NY.
Civil Penalty: $2,500

Destiny Henry, Clayton, NJ
Order #22-51420-35, January 10, 2023
Respondent, Destiny Henry, did knowingly provide materially false information to Cure Insurance Company on an initial application for automobile insurance on November 27, 2020, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Eveliz Santiago, Galloway, NJ
Order #22-51430-35, January 10, 2023
Respondent, Eveliz Santiago, did knowingly provide materially false information to Cure Insurance Company on renewal questionnaires for automobile insurance dated November 27, 2019, and December 13, 2020, by failing to disclose additional operators of the policy vehicles and the true garaging location of the 2010 Honda Accord & 2012 Hyundai Azera.
Civil Penalty: $2,500

Chanise Parrott, Mechanicsburg, PA
Order #22-51681-31, January 10, 2023
Respondent, Chanise Parrott, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an initial application for automobile insurance on December 08, 2021, and on subsequent dates by indicating that the policy address and garaging location of the insured vehicle was in Clementon, NJ, when in fact the vehicle was garaged in Pennsylvania.
Civil Penalty: $2,500

Frandy Dipre, Newark, NJ
Order #22-52226-04, January 10, 2023
Respondent, Frandy Dipre, did knowingly provide false and misleading information during a recorded call to Progressive Insurance Company on June 30, 2022 when he indicated that he had taken out the policy prior to the accident on June 24, 2022, at 3:45 p.m. when, in fact, the policy was taken out after the accident occurred on June 24, 2022 at 4:13 p.m.
Civil Penalty: $2,500

Jeanette Iervolino-Marrone, Whiting, NJ
Order #22-52566-47, January 10, 2023
Respondent, Jeanette Iervolino-Marrone, did knowingly submit four fraudulent invoices to Healthy Paws Pet Insurance underwritten by Chubb Insurance Company of New Jersey on September 4, 2018, December 24, 2018, December 26, 2018, and January 22, 2019, in support of pet insurance claims knowing those invoices were altered and/or fabricated.
Civil Penalty: $1,000

Niya Chambers, Willingboro, NJ
Order #22-52700-04, January 10, 2023
Respondent, Niya Chambers, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 21, 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 July 21, 2022, after she lowered her glass deductible to $50, when, in fact, the damage occurred prior to the policy change.
Civil Penalty: $2,000

Tasha Jordan-Mendiola, JB MDL, NJ
Order #22-53406-04, January 10, 2023
Respondent, Tasha Jordan-Mendiola, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 24, 2022, and during a subsequent call in support of an automobile property damage claim.  Specifically, the Respondent reported the loss occurred on August 24, 2022, when, in fact, the loss occurred on August 19, 2022, prior to the addition of the vehicle to the policy.
Civil Penalty: $3,500

Jorge Gahui Uzhca, Newark, NJ
Order #18-52839-48, January 17, 2023
Respondent, Jorge Gahui Uzhca, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated May 12, 2018.  Specifically, Mr. Uzhca stated his residence was in Lehighton, PA, when in fact, he primarily resided in Newark, NJ.
Civil Penalty: $2,500

Gabriella N. Cordero, Woodland Park, NJ
Order #21-52746-04, January 17, 2023
Respondent, Gabriella N. Cordero, knowingly provided false and misleading information in pursuit of an auto property damage claim with Progressive Insurance Company.  Specifically, Ms. Cordero stated that she was involved in a motor vehicle accident on July 15, 2021 at 1 p.m., when, in fact, the accident occurred earlier that same day when there was no insurance coverage in effect.
Civil Penalty: $3,500

Khalid Mahmood, Parlin, NJ
Order #21-53780-35, January 17, 2023
Respondent, Khalid Mahmood, did knowingly provide materially false and misleading information to National Continental Insurance Company on his application for auto insurance dated July 24, 2021, when he insured his 2005 Honda CR-V EX while knowing he had a concurrent liability policy.
Civil Penalty: $1,000

Iwona Zybura, Clifton, NJ
Order #21-54020-35, January 17, 2023
Respondent, Iwona Zybura, knowingly concealed relevant information from New Jersey Manufacturers Insurance Group on a policy renewal questionnaire dated December 25, 2018.  Specifically, Ms. Zybura failed to disclose a licensed household resident.
Civil Penalty: $1,500

Erik A. Mancheno, Sr.
Order #22-53286-35, January 17, 2023
Respondent, Erik A. Mancheno, Sr., did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on August 14, 2019, and on subsequent dates by failing to disclose other individuals as additional household residents and drivers, as well as the true garaging location of several policy vehicles.
Civil Penalty: $2,500

April Williams, Millville, NJ
Order #22-53474-04, January 17, 2023
Respondent, April Williams, did knowingly make material misrepresentations to Progressive Garden State Insurance Company, beginning on September 20, 2022, 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 20, 2022, when, in fact, the loss occurred on or before September 13, 2022, which was prior to her adding glass coverage with a $50 deductible.
Civil Penalty: $2,000

Eric A. Alexis, Somerset, NJ
Order #21-53001-04, January 24, 2023
Respondent, Eric R. Alexis, did knowingly provide false material misrepresentations to Progressive Insurance Company representatives during a first notice of loss phone call on July 21, 2021, by stating he was the driver in a loss when, in fact, he was not and in a recorded statement on July 23, 2021 when he advised none of the policy vehicles were being rented out through a third party application during an auto collision claim investigation.
Civil Penalty: $2,500

Maryan Yousef, Milltown, NJ
Order #21-53253-35, January 24, 2023
Respondent, Maryan Yousef, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an auto application dated April 26, 2021.  Specifically, Respondent, failed to disclose additional household members and regular operators of the policy vehicle(s).
Civil Penalty: $1,500

Zeerak Malik, Princeton, NJ
Order #22-53169-35, January 24, 2023
Respondent, Zeerak Malik, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on January 28, 2022, and during the policy term, by failing to disclose an additional household member.
Civil Penalty: $1,500

Nutley Chevrolet LLC and Nutley Kia, Nutley, NJ
Order #16-50826-35, January 31, 2023
Respondents, Nutley Chevrolet LLC, and Nutley Kia, did, by failing to properly supervise employees from July 2015 to October 2015, knowingly supplied false and misleading statements to GEICO Insurance Company on several customer applications for automobile insurance, in an effort to secure policies at a lower premium and increase car sales.
Civil Penalty: $30,000

Ryan Kerrison, Jersey City, NJ
Order #19-53967-04, January 31, 2023
Respondent, Ryan Kerrison, knowingly concealed relevant information from Progressive Insurance Company on an automobile policy application.  Specifically, Mr. Kerrison obtained an automobile insurance policy on September 10, 2019 at 8:08 p.m. and failed to disclose that he had just been involved in an accident.  Respondent also knowingly provided false and misleading information to Progressive Insurance Company in support of an auto property damage claim.  Specifically, Mr. Kerrison submitted a claim on September 25, 2019 indicating that an accident had occurred on September 10, 2019 at 8 p.m., when in fact the loss occurred earlier that day, prior to policy inception.
Civil Penalty: $3,500

Bridgette M. Harris, Barnegat, NJ
Order #20-51942-35, January 31, 2023
Respondent, Bridgette M. Harris, did knowingly make materially false statements to Progressive Southeastern Insurance Company on an automobile application dated December 11, 2019, by falsely indicating her residence was in North Carolina, when, in fact, her true residence was in Barnegat, NJ. Additionally, she provided a fraudulent receipt/invoice in support of her claim.
Civil Penalty: $3,000

Marclare Joshua, Port Norris, NJ
Order #21-50657-04, January 31, 2023
Respondent, Marclare Joshua, did knowingly provide materially false information during a recorded statement to GEICO Indemnity Company on February 25, 2021.  Specifically, Respondent indicated that all the damage to his policy vehicle occurred on February 11, 2021, when, in fact, some of the damage claimed had occurred on March 17, 2020, prior to the policy inception.
Civil Penalty: $2,500

Maria M. Elias Alvarez De Gonon, Trenton, NJ
Order #21-54070-35, January 31, 2023
Respondent, Maria M. Elias Alvarez De Gonon, did knowingly make materially false statements to Drive New Jersey Insurance Company on an automobile application dated June 29, 2021, by failing to disclose another household member and unlicensed operator of a policy vehicle.
Civil Penalty: $1,500

Panna Malik, Paterson, NJ
Order #22-50346-04, January 31, 2023
Respondent, Panna Malik, knowingly provided false and misleading information to GEICO Insurance Company in support of an automobile property damage claim.  Specifically, Ms. Malik stated she was involved in a loss on January 1, 2022 at 3:40 p.m., when in fact the loss occurred hours earlier that same day, which was prior to the vehicle being insured on the policy.
Civil Penalty: $3,000

Terry Morris, Hamburg, NJ
Order #22-51464-04, January 31, 2023
Respondent, Terry Morris, knowingly made false and misleading statements to Progressive Insurance Company in pursuit of an automobile property damage claim.  Specifically, Mr. Morris reported his vehicle's windshield was damaged on April 13, 2022, when in fact it was damaged on April 6, 2022, which was prior to him adding glass coverage to his policy.
Civil Penalty: $1,000

Brenda Badilla-Navarro, Elizabeth, NJ
Order #22-51605-04, January 31, 2023
Respondent, Brenda Badilla-Navarro, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies when she filed a claim for damage to her vehicle that she reported occurred on April 22, 2022 when, in fact, the loss occurred prior to her deductible being lowered on April 17, 2022.
Civil Penalty: $1,500

Thomas Christman, Bayville, NJ
Order #22-51761-04, January 31, 2023
Respondent, Thomas Christman, did knowingly provide materially false information to the Progressive Group of Insurance Companies on April 16, 2022, and during subsequent statements in support of an automobile property damage claim.  Specifically, he reported an automobile loss occurred on April 16, 2022, knowing that the loss actually occurred on March 18, 2022, prior to coverage changes.
Civil Penalty: $3,000

Stephanie Wilson
Order #22-52817-35, January 31, 2023
Respondent, Stephanie Wilson, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies on August 15, 2022, in a recorded phone call in support of an automobile property damage claim for an accident that occurred on August 13, 2022, by stating that the loss occurred after the policy inception, when, in fact, it occurred prior.Civil Penalty: $2,500

Dorothea Bass, Atlantic City, NJ
Order #22-53433-35, January 31, 2023
Respondent, Dorothea Bass, did knowingly provide materially false information to CURE Automobile Insurance Company on August 11, 2020, by failing to disclose individuals as household residents.
Civil Penalty: $1,500

Sherkira L. Rivers, Belleville, NJ
Order #21-50014-04, January 31, 2023
Respondent, Sherkira L. Rivers, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of her automobile claim on December 23, 2020.  Specifically, Respondent indicated that an accident had occurred after she obtained comprehensive and collision coverage on her automobile policy, when, in fact, the accident occurred on December 22, 2020, prior to the coverage being added.
Civil Penalty: $2,500



 
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