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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2015 Bureau of Fraud Deterrence Enforcement Activity
Previous Activity: 2014 Enforcement
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
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December


Executed Consent Orders

Joseph Giampapa, Wayne, NJ
Order #15-51805-35, December 3, 2015
Respondent, Joseph Giampapa, knowingly submitted a false and misleading statement on an automobile application dated August 9, 2014, to CURE Insurance Company. Specifically, he failed to list another household member/driver.
Civil Penalty: $1,500

Eliana Vargas, Rockaway, NJ
Order #13-53256-35, December 3, 2015
Respondent, Eliana Vargas, gave false and misleading information to Plymouth Rock Insurance Company on an automobile application dated April 6, 2013. Specifically, she failed to disclose her husband as a household member/driver.
Civil Penalty: $1,500

Miratha Narcisse, Orange, NJ
Order #12-51355-35, December 3, 2015
Respondent, Miratha Narcisse, gave false and misleading information to 21st Century Centennial Insurance Company on her automobile application dated July 30, 2011. Specifically, she failed to disclose her brother as a licensed household member.
Civil Penalty: $1,500

Monique Harker, Englewood, NJ
Order #15-50744-35, December 17, 2015
Respondent, Monique Harker, knowingly provided false and misleading information on August 31, 2013 to CURE Insurance Company. Specifically, she failed to list a licensed household member on her auto application.
Civil Penalty: $1,500

Stephen Berko, Bogota, NJ
Order #14-54128-35, December 14, 2015
Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.
Civil Penalty: $1,500

Nabil Abroumi, Clifton, NJ
Order #15-51976-35, December 17, 2015
Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013. Specifically, he failed to list a licensed household member.
Civil Penalty: $1,500

Milica Valic, Paterson, NJ
Order #14-52623-35, December 17, 2015
Respondent, Milica Valic, knowingly provided false and misleading statements to IFA Insurance Company on an automobile insurance application dated May 11, 2011, specifically, by failing to disclose a household resident as an operator of the policy vehicle.
Civil Penalty: $1,500

Sophia Fernandez, Garfield, NJ
Order #15-51783-35, December 17, 2015
Respondent, Sophia Fernandez, knowingly submitted a false and misleading statement on an automobile policy application dated February 8, 2012, to Progressive Insurance Company. Specifically, she failed to list a resident who was a member of her household and a driver.
Civil Penalty: $1,500

Randy Barrino, Newark, NJ
Order #15-51171-03, December 3, 2015
Respondent, Randy Barrino, when increasing his auto coverage on January 21, 2015, knowingly failed to disclose to Progressive Drive New Jersey Insurance Company that his vehicle listed under his policy was already reported to the East Orange Police Department as stolen, and when providing a verbal first notice of loss he knowingly failed to disclose the actual date of loss. When providing the Newark Police Department police report, Mr. Barrino submitted false information to misrepresent when the actual date of loss occurred. Also, when providing an official examination under oath to Progressive Insurance, Mr. Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.
Civil Penalty: $3,500

Jonas Saint Louis, Irvington, NJ
Order #15-51239-35, December 3, 2015
Respondent, Jonas Saint Louis, when signing his June 18, 2013 application knowingly failed to disclose to Progressive Garden State Insurance Company an additional resident of the policy household and an operator of the vehicle.
Civil Penalty: $1,500

Michella Cardosa, Parlin, NJ
Order #14-53881-35, December 17, 2015
Respondent, Michella Cardosa, knowingly failed to disclose a household member to CURE Insurance Company on her signed application dated October 1, 2010 and on her signed renewal questionnaire dated July 8, 2011.
Civil Penalty: $1,500

Brian Tapper, East Windsor, NJ
Order #15-52102-35, December 17, 2015
Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.
Civil Penalty: $1,500

Marie Cesar, Hillside, NJ
Order #15-51159-35, December 17, 2015
Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.
Civil Penalty: $2,500

Carlos Cordova, Dover, NJ
Order #13-54953-07, December 3, 2015
Respondent, Carlos Cordova, did knowingly provide false and misleading information on his vehicle insurance policy application with Liberty Mutual Insurance Company dated March 14, 2012. Specifically, he indicated that the policy vehicles were for his personal use, when in fact he used at least one of them for his landscaping business. He also indicated that he was the only person that operated the policy vehicles, when in fact he had hired hands driving his vehicle.
Civil Penalty: $2,500

 
November


Executed Consent Orders

Mia D. Edwards, Edison, NJ
Order # 12-53748-35, October 26, 2015
Respondent, Mia D. Edwards, on July 2, 2012, knowingly provided a false and misleading statement on an automobile insurance application with CURE Insurance Company, specifically, failing to list her boyfriend as a household resident driver.
Civil Penalty: $1,500

Victor Moreno, Harrison, NJ
Order #15-51926-35, December 4, 2015
Respondent, Victor Moreno, knowingly submitted a false and misleading statement on an automobile application dated November 19, 2013, to IFA Insurance Company. Specifically, he failed to list a licensed household resident.
Civil Penalty: $1,500

Danielle Castro, West New York, NJ
Order #15-51228-35, November 4, 2015
Respondent, Danielle Castro, knowingly submitted a false and misleading statement on an automobile policy application dated February 20, 2014, to New Jersey Drive Insurance Company.  Specifically, she failed to disclose a household member/driver.
Civil Penalty: $1,500

Lojance Vital, Irvington, NJ
Order #14-52988-35, November 4, 2015
Respondent, Lojance Vital, on February 12, 2014, knowingly provided a false and misleading statement on an automobile insurance renewal application with CURE Insurance Company, specifically, failing to list her brother as the operator of her 1999 Toyota.
Civil Penalty: $1,500

Don A. Jannicelli, Cedar Grove, NJ
Order #13-51777-24, November 4, 2015
Respondent, Don A. Jannicelli, knowingly submitted claims on behalf of twenty four (24) Horizon Blue Cross Blue Shield members using CPT Code 96111, "developmental testing", between 2010 and 2012, when in fact, this procedure had never been performed.
Civil Penalty: $5,000

Julio Velaochaga, Nutley, NJ
Order #14-53721-35, November 18, 2015
Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014.  Specifically, Mr. Velaochaga failed to list a household resident.
Civil Penalty: $1,500

Humberto Lopez, Dover, NJ
Order #14-52953-35, November 18, 2015
Respondent, Humberto Lopez, failed to list his son as a resident relative on September 7, 2013, when he applied for auto insurance with Progressive Garden State Insurance Company.
Civil Penalty: $1,500

Vinci Morato, Clifton, NJ
Order #12-54150-35, November 25, 2015
Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013.  Specifically, Ms. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.
Civil Penalty: $1,500

Latrell Marion, Piscataway, NJ
Order #14-53723-35, October 28, 2015
Respondent, Latrell Marion, knowingly conspired with his sister to make material misrepresentations to CURE Insurance Company regarding his residence and the fact that he was a regular operator of the insured vehicles.  Latrell Marion had a suspended license and was not entitled to automobile insurance coverage.
Civil Penalty: $1,500

Ronald R. Fraser, East Orange, NJ
Order #15-52157-35, November 10, 2015
Respondent, Ronald R. Fraser, submitted false and misleading statements to GEICO Insurance Company on March 31, 2015, by making a claim to his vehicle repaired from damages he reported occurred on March 31, 2015.  Ronald R. Fraser failed to disclose that the damage to his vehicle had previously occurred prior to him obtaining his GEICO auto policy on February 21, 2015.
Civil Penalty: $1,500

Andrea Woodruff, Toms River, NJ
Order #11-23348-15, November 4, 2015
Respondent, Andrea Woodruff, knowingly provided false and misleading information to Travelers Insurance Company (Claim #717FRHGV7837N) by reporting her diamond engagement ring was lost.  Investigation revealed that the ring was returned by Woodruff to her ex-fiancé and was not lost.
Civil Penalty: $2,500

Nicholas Newman, Roselle, NJ
Order #15-51409-35, November 4, 2015
Respondent, Nicholas Newman, knowingly provided misinformation to CURE Insurance Company when changing his policy address on December 10, 2014, by purposely failing to disclose a policy household resident.
Civil Penalty: $1,500

William J. Masaitis, Chester, NJ
Order #09-21940-13, November 4, 2015
Respondent, William J. Masaitis, knowingly provided false and misleading information to Allstate Insurance Company material to a claim relating to a May 6, 2008 date of loss.  Specifically, respondent, William J. Masaitis, submitted false information in an attempt to receive monetary compensation for property and the contents of his home that he reported were damaged in a fire.
Civil Penalty: $5,000

Marilyn D. Masaitis, Chester, NJ
Order #09-21940-13, November 4, 2015
Respondent, Marilyn D. Masaitis, knowingly provided false and misleading information to Allstate Insurance Company material to a claim relating to a May 6, 2008 date of loss.  Specifically, respondent, Marilyn D. Masaitis, submitted false information in an attempt to receive monetary compensation for property and the contents of her home that she reported were damaged in a fire.
Civil Penalty: $5,000

Ravi Bala, Monmouth Junction, NJ
Order #15-51753-35, November 16, 2015
Respondent, Ravi Bala, knowingly failed to disclose her son as a licensed household resident on her application for automobile insurance with Penn National Founders Insurance Company dated February 14, 2014.
Civil Penalty: $1,500

Mikisha D. Vargas, Dunellen, NJ
Order #14-54175-35, November 25, 2015
Respondent, Mikisha D. Vargas, violated the New Jersey Insurance Fraud Prevention Act by presenting false and misleading information on September 28, 2011 (application) and on October 4, 2014 (renewal) to Progressive Garden State Insurance Company by not disclosing her brother as a resident and driver of the household.
Civil Penalty: $1,500

Shally Arora, Bordentown, NJ
Order #13-53805-34, November 4, 2015
Respondent, Shally Arora, did knowingly provide false written and oral statements in support of a claim for payment under his travel insurance policy with Travel Guard, a subsidiary of AIG, for the purported theft of certain cell phones, an Armani suit and various other clothes.
Civil Penalty: $2,500

Ramon Tlanipa, Perth Amboy, NJ
Order #15-50036-35, November 16, 2015
Respondent, Ramon Tlanipa, conspired with another individual in that he knowingly had possession of an insured risk, garaged the same at his own home in Perth Amboy, NJ, and was not listed as a driver on this individual’s policy with Allstate New Jersey Property and Casualty dated May 22, 2014.
Civil Penalty: $1,500

Shirlie Calabrese, Mays Landing, NJ
Order #14-53978-35, December 25, 2015
Respondent, Shirlie Calabrese, knowingly supplied material false information when she added a 2007 Ford Fusion to Plymouth Rock Assurance Company policy on May 6, 2013, by acknowledging she was the owner and resident driver of said 2007 Ford Fusion, when in fact, it was purchased, titled and registered to her son.
Civil Penalty: $1,500

 
October


Executed Consent Orders

Pablo Molina, Morristown, NJ
Order # 15-50695-35, October 6, 2015
Respondent, Pablo Molina, knowingly submitted a false and misleading statement to Drive New Jersey Insurance Company on an automobile application dated May 24, 2011.  Specifically, Pablo Molina failed to list an additional household resident. 
Civil Penalty: $1,500

Christopher Potenzone, Bloomfield, NJ
Order #12-52238-03, October 6, 2015
Respondent, Christopher Potenzone, on May 19, 2012 and May 21, 2012, submitted false and misleading information to Progressive Garden State Insurance Company (Progressive) when he telephonically filed an insurance claim reporting his 2001 Ford Mustang had been stolen, when he knew it had not been stolen.
Civil Penalty: $5,000

Jemar Mootoo, Haledon, NJ
Order #13-53556-35, October 7, 2015
Respondent, Jemar Mootoo, knowingly provided false and misleading statements on an application for automobile insurance with National Liability and Fire Insurance Company dated January 30, 2013. Specifically, he indicated his home address as Ridgewood, NJ, when in fact, his primary residence was in Englewood, NJ.
Civil Penalty: $1,500

Rosi Rubio, Cliffside Park, NJ
Order #14-51250-35, October 7, 2015
Respondent, Rosi Rubio, knowingly provided false and misleading information to National Liability and Fire Insurance Company on a personal auto insurance application dated November 27, 2013. Specifically, she indicated that her two (2) vehicles were private personal vehicles, when in fact, one vehicle was used by a family member for commercial deliveries and was principally garaged in Woodhaven, NY.
Civil Penalty: $2,500

Brenda Beltram, Verona, NJ
Order #14-51357-04, October 7, 2015
Respondent, Brenda Beltram, was involved in a vehicle crash in New York City on January 30, 2014, where she stuck another vehicle then fled the scene.  Ms. Beltram later reported to Drive New Jersey Insurance Company on January 31, 2014, that she was cut off by an unknown vehicle and hit a concrete divider.
Civil Penalty: $4,000

Natalia Gutierrez, Atlanta, GA
Order #14-51413-35, October 7, 2015
Respondent, Natalia Gutierrez, knowingly supplied false and misleading information on a statement of no loss for Progressive Garden State Insurance Company, dated April 15, 2014, by stating that she was not involved in any losses between April 7, 2014 and April 15, 2014, when in fact, the vehicle was involved in a loss on or about April 14, 2014.
Civil Penalty: $1,500

Mina A. Mina, Bayonne, NJ
Order #13-54410-35, October 14, 2015
Respondent, Mina A. Mina, knowingly submitted false and misleading information on a Plymouth Rock Automobile Insurance Company application dated July 13, 2013.  The subject failed to list his correct driver’s license number and to disclose his social security number in an attempt to conceal his multiple motor vehicle violations and suspensions, and that his driving privilege was suspended at the time of the application.
Civil Penalty: $1,500

Omar Cordera, Newark, NJ
Order #14-52569-35, October 26, 2015
Respondents Omar Cordera and Nadya Pagan conspired on a CURE Insurance Company Automobile application dated February 1, 2014, by concealing that Omar Cordera was the true owner and regular operator of a 2010 Nissan Altima and garaged the vehicle at his residence.
Civil Penalty: $1,500

Nadya Pagan, Newark, NJ
Order #14-52569-35, October 26, 2015
Respondents Nadya Pagan and Omar Cordero conspired on a CURE Insurance Company Automobile application dated February 1, 2014, by concealing that Omar Cordero was the true owner and regular operator of a 2010 Nissan Altima and garaged the vehicle at his residence.
Civil Penalty: $1,500

Alfonso Bayuelo, DDS, Dumont, NJ
Order #14-51545-44, October 26, 2015
Respondent, Alfonso Bayuelo, DDS, knowingly provided false and misleading information to Delta Dental, specifically, by submitting dental claims for four (4) dates of service that he did not provide.  As a result, Dr. Alfonso Bayuelo was reimbursed monies that he was not entitled to.
Civil Penalty: $2,500

Paul Reback, New York, NY
Order #14-50454-35, October 26, 2015
Respondent, Paul Reback, knowingly submitted false and misleading information on several annuity applications at various dates to Allianz Insurance Company.  Specifically, Paul Reback submitted several annuity applications stating that all were marketed, signed and policy delivered in New Jersey, when in fact they were not.
Civil Penalty: $5,000

Jaideo Ramlochan dba Two Brothers Auto Body, Englewood, NJ
Order #13-51354-04, October 26, 2015
Respondent, Jaideo Ramlochan, dba Two Brothers Auto Body, did knowingly submit false and misleading information to Allstate Automobile Insurance Company on March 4, 2013 and March 12, 2013, by failing to repair a 2009 Range Rover according to estimates. Specifically, Two Brothers Auto Body repaired the left rear door and left rear quarter panel instead of replacing both parts.
Civil Penalty: $5,000

Jerome Beal, Paterson, NJ
Order #14-53642-35, October 26, 2015
Respondent, Jerome Beal, on September 13, 2012, knowingly and intentionally provided false and misleading information to New Jersey Manufacturers Insurance Company on his automobile insurance questionnaire by failing to disclose a family member as an additional driver of his 2006 BMW.
Civil Penalty: $1,500

Geisy Avendano, Lodi, NJ
Order #15-51402-35, October 26, 2015
Respondent, Geisy Avendano, provided false and misleading information to CURE Insurance Company on an automobile insurance policy application, electronically signed and dated January 17, 2015, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Alejandrina Romo, West New York, NJ
Order #14-50453-35, October 26, 2015
Respondent, Alejandrina Romo, gave false and misleading information to New Jersey Manufacturers Insurance Company on a policy renewal questionnaire dated January 3, 2013; specifically, that she failed to disclose a household resident and that an insured vehicle would be garaged at a different location.
Civil Penalty: $1,500

Randall Roessle, Summit, NJ
Order #14-54205-35, October 28, 2015
Respondent, Randall Roessle, provided false and misleading information on his New Jersey Manufacturers Insurance Company 2011, 2012 and 2013 renewal questionnaires, specifically, by continuing to insure a vehicle that was owned and registered to a family member who lives and garages the vehicle in Vermont.
Civil Penalty: $2,500

Josephine Newman, Piscataway, NJ
Order #15-51408-35, October 6, 2015
Respondent, Josephine Newman, knowingly provided misinformation to CURE Insurance Company when applying for coverage on October 29, 2013, by failing to disclose her husband as a policy household resident operator.
Civil Penalty: $1,500

Hazel Johnson, South River, NJ
Order #15-51368-35, October 6, 2015
Respondent, Hazel Johnson, when completing her auto policy application signed February 10, 2010, knowingly failed to disclose to IFA Insurance Company that her children were to be resident operators of the policy vehicle. Also, when signing three underwriting questionnaires on November 10, 2010, November 11, 2011, and November 6, 2012, knowingly failed to disclose to IFA Insurance Company that her children were residents of the policy household.
Civil Penalty: $1,500

Maria Demeter-Schebece, Hillsborough, NJ
Order #12-53066-35, October 7, 2015
Respondent, Maria Demeter-Schebece, knowingly failed to disclose to New Jersey Manufacturers Insurance Company on renewal questionnaires dated April 27, 2005, March 25, 2006, July 3, 2007, July 3, 2008, and July 15, 2009, that her spouse was a household resident.
Civil Penalty: $1,500

Peter Gaspich, Englishtown, NJ
Order #13-54026-35, October 13, 2015
Respondent, Peter Gaspich, made a material misrepresentation when he failed to disclose to CURE Insurance Company that his son was a licensed driver who resided at the policy address on the following renewal questionnaires dated December 4, 2006, December 9, 2009, December 10, 2010, December 8, 2011, and December 17, 2012.
Civil Penalty: $1,500

Rosemarie Pigna, Carteret, NJ
Order #14-53868-35, October 13, 2015
Respondent, Rosemarie Pigna, knowingly made a material misrepresentation to CURE Auto Insurance Company by failing to disclose her daughter as a household member on her CURE renewal application questionnaires dated February 23, 2011, February 22, 2012, February 21, 2013, and February 20, 2014.
Civil Penalty: $1,500

Kyung Jung, Bridgewater, NJ
Order #15-51476-35, October 13, 2015
Respondent, Kyung Jung, when signing his June 24, 2014 application knowingly failed to disclose to IFA Insurance Company that his daughter was a resident of the policy household. Also, when signing his June 24, 2014 IFA underwriting questionnaire and an undisclosed driver certification, knowingly failed to disclose to IFA that his daughter was a resident of the policy household.
Civil Penalty: $1,000

Gurpal Singh, Linden, NJ
Order #14-53987-35, October 22, 2015
Respondent, Gurpal Singh, knowingly provided false and misleading information to Progressive Insurance Company by not disclosing his daughter as a driver and household resident on his policy of insurance.
Civil Penalty: $1,500

Major Singh, Carteret, NJ
Order #15-51778-35, October 22, 2015
Respondent, Major Singh, knowingly made a material misrepresentation to Progressive Insurance Company when he failed to disclose his son as a licensed household resident on his application for automobile insurance dated April 1, 2014.
Civil Penalty: $1,500

Antonio Guillen, Newark, NJ
Order #15-51273-35, October 28, 2015
Respondent, Antonio Guillen, knowingly provided false and misleading information to CURE Insurance Company on his June 18, 2014 application for auto insurance, by failing to disclose household members and/or operators of the insured vehicle, specifically his girlfriend, and by failing to disclose his true residency.
Civil Penalty: $1,500

Felix Perez, North Brunswick, NJ
Order #14-52220-35, October 7, 2015
Respondent, Felix Perez, knowingly supplied material false and misleading information on an application to GEICO Indemnity Insurance Company on April 30, 2014, by failing to disclose an additional household operator and that two (2) of the insured vehicles were registered commercially.
Civil Penalty: $1,500

Francis Rodriguez-Garcia, New Brunswick, NJ
Order #14-53491-35, October 13, 2015
Respondent, Francis Rodriguez-Garcia, did knowingly provide a materially false statement to New Jersey Manufacturers Insurance Company on her renewal questionnaire dated January 22, 2014, by failing to disclose that Gilberto Jimenez, who had a suspended New Jersey driver's license, was the primary driver of a 2010 Honda CRV automobile listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Gilberto Jimenez, New Brunswick, NJ
Order #14-53491-35, October 23, 2015
Respondent, Gilberto Jimenez, conspired with Francis Rodriguez-Garcia in that he knowingly had possession of an insured risk, a 2010 Honda CRV; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on Francis Rodriguez-Garcia's policy with New Jersey Manufacturers Insurance Company.
Civil Penalty: $1,500

SNS Rheumatology/Qaisar Usmani, MD, Princeton, NJ
Order #14-51750-24, October 23, 2015
Respondent, SNS Rheumatology/Qaisar Usmani, MD, jointly and severally caused claims to be submitted to Horizon Blue Cross/Blue Shield of New Jersey between January 2009 through October 2013 for multiple spinal injections and SI Joint Injections which were billed under an improper CPT code.
Civil Penalty: $36,750

Edgar Trinidad-Mendez, Sewell, NJ
Order #15-50036-35, October 22, 2015
Respondent, Edgar Trinidad-Mendez, conspired with Pablo Grande, in that he knowingly had possession of an insured risk, garaged the same at his own home in Sewell, NJ, and was not listed as a driver on Pablo Grande's policy with Allstate New Jersey Property and Casualty dated May 22, 2014.
Civil Penalty: $1,500

Pablo Grande, Deptford, NJ
Order #15-50036-35, October 22, 2015
Respondent, Pablo Grande, did knowingly provide materially false statements to Allstate New Jersey Property and Casualty Insurance Company on May 22, 2014, by failing to disclose that Edgar Trinidad-Mendez, Ramon Tlanipa and Alberto Hernandez were primary drivers of an insured automobile listed on the policy and that the vehicles were garaged at a location other than the policy address.
Civil Penalty: $1,500

Alberto Hernandez, Perth Amboy, NJ
Order #15-50036-35, October 22, 2015
Respondent, Alberto Hernandez, conspired with Pablo Grande, in that he knowingly had possession of an insured risk, garaged the same at his own home in Perth Amboy, NJ, and was not listed as a driver on Pablo Grande's policy with Allstate New Jersey Property and Casualty dated May 22, 2014.
Civil Penalty: $1,500

Francis R. Ogden, Browns Mills, NJ
Order #15-51312-35, October 22, 2015
Respondent, Frances R. Ogden, did provide a materially false statement to IFA Insurance Company on January 3, 2013, in obtaining automobile insurance and on her renewal, dated January 15, 2014, by knowingly failing to disclose a household resident and operator of a vehicle registered to her.
Civil Penalty: $1,500

Pradip N. Patel, MD, Voorhees, NJ
Order #13-54286-43, October 22, 2015
Respondent, Pradip N. Patel, MD, while neither admitting nor denying guilt, allegedly caused claims to be presented to Horizon Blue Cross/Blue Shield for dates of service when there are no progress notes to document the visits on nine (9) occasions and billing the highest office visit code (99215) on twenty-eight (28) dates of service when the services rendered wouldn't require comprehensive history, exam, and/or decision making.
Civil Penalty: $5,000

Tilottama Bose, Kendall Park, NJ
Order #14-51936-04, October 26, 2015
Respondent, Tilottama Bose, knowingly provided false and misleading information to California Casualty and Fire Insurance Company, specifically, by reporting the loss date as April 22, 2014, when in fact she knew the loss occurred prior to April 14, 2014.
Civil Penalty: $1,500

Claire Datus, East Orange, NJ
Order #14-52949-35, October 7, 2015
Respondent, Claire Datus, concealed, misrepresented or made incorrect statements on her Progressive automobile application dated May 6, 2014, by failing to disclose a household member at the time of the policy inception on June 27, 2014.
Civil Penalty: $1,500

Cullette Green, Roselle, NJ
Order #14-53668-35, October 13, 2015
Respondent, Cullette Green, when returning her policy renewal application signed on May 23, 2012, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that an additional operator was a resident of the policy household.
Civil Penalty: $1,500

 
September


Executed Consent Orders

Raxit R. Patel, Sayreville, NJ
Order # 14-52470-04, September 24, 2015
Respondent, Raxit R. Patel, provided false and misleading information to Progressive Insurance Company relating to an automobile insurance policy.  Specifically, Mr. Patel failed to disclose pre-existing damages on an insured 2001 Honda Civic when lowering the policy's comprehensive and collision deductibles on June 28, 2014, and then submitted a claim for the pre-existing damages on June 30, 2014.
Civil Penalty: $3,000

Gladys Perdomo, Cliffside Park, NJ
Order #15-50435-35, September 24, 2015
Respondent, Gladys Perdomo, knowingly submitted false and misleading statements on an automobile policy application dated March 14, 2012, and renewal questionnaire dated January 13, 2014, to CURE Insurance Company.
Civil Penalty: $1,500

Zayed Mansury, Dover, NJ
Order #14-52216-35, September 24, 2015
Respondent, Zayed Mansury, gave false and misleading information to GEICO Insurance Company on an auto application dated June 26, 2014, by insuring two (2) vehicles that were not registered in his name.
Civil Penalty: $1,500

Bujar Shuli, Hawthorne, NJ
Order #14-51850-35, September 24, 2015
Respondent, Bujar Shuli, on May 30, 2013, knowingly provided false and misleading statements on an automobile insurance application with IFA Insurance Company, specifically, by failing to list a household licensed resident.
Civil Penalty: $1,500

Monica K. Quartey, East Orange, NJ
Order #13-51239-35, September 24, 2015
Respondent, Monica K. Quartey, provided false and misleading information to CURE Insurance Company on May 3, 2011, when she filed an online application for automobile insurance and listed her residence as Dayton, NJ, when in fact, she resided in Newark, NJ.
Civil Penalty: $1,500

Laura Franklin, Ridgefield Park, NJ
Order #14-53365-35, September 10, 2015
Respondent, Laura Franklin, knowingly submitted false and misleading statement(s) to CURE Insurance Company on her automobile policy application dated October 20, 2011, as well as on her renewal questionnaires dated July 30, 2012, and July 27, 2013.
Civil Penalty: $1,500

Rajah D. Holder, Garfield, NJ
Order #14-52594-35, September 10, 2015
Respondent, Rajah D. Holder, knowingly provided a false and misleading statement on an auto insurance application with Progressive Insurance Company, dated March 20, 2013, as well as policy vehicle additions dated April 13, 2013, and March 29, 2014. Specifically, Rajah Holder failed to list a household resident and driver of the policy vehicles.
Civil Penalty: $1,500

Nancy Manla, Haledon, NJ
Order #15-50907-35, September 10, 2015
Respondent, Nancy Manla, applied for commercial vehicle insurance on July 31, 2013, with Drive New Jersey Insurance Company and failed to list her husband/employee on the application.
Civil Penalty: $1,500

Alicia Cardona, Union City, NJ
Order #13-52213-35, September 10, 2015
Respondent, Alicia Cardona, provided false and misleading information to New Jersey Manufacturers Insurance Company in a handwritten letter on December 7, 2012, and on a questionnaire dated March 19, 2013.  Specifically, Ms. Cardona misrepresented a relative as a resident operator, when in fact, the relative was a non-resident principal operator of the insured 2008 Mazda 3 and garaged the vehicle at a different address.
Civil Penalty: $1,500

Simone Edwards, West Orange, NJ
Order #15-50857-35, September 23, 2015
Respondent, Simone Edwards, knowingly provided misinformation material to her New Jersey Manufacturers Insurance Company policy on October 14, 2014, by reporting that the covered 2009 Toyota Camry would be garaged and operated from the policy address.
Civil Penalty: $1,500

Julio Rivera, Matawan, NJ
Order #14-50445-35, September 23, 2015
Respondent, Julio Rivera, made false and misleading statements to New Jersey Manufacturers Insurance Company on his renewal questionnaire, signed and dated on July 8, 2013, when he failed to disclose that a policy vehicle was garaged at a non-policy residence address.
Civil Penalty: $1,500

Irene Maravelias, Tom River, NJ
Order #13-50075-35, September 14, 2015
Respondent, Irene Maravelias, made a false and misleading oral statement on November 12, 2012, to Progressive Insurance Company.  Specifically, she failed to disclose that Juan G. Landeta-Gomez was a resident of the policy household and operator of the vehicle. Civil Penalty: $1,500

Mansheng Gu, East Brunswick, NJ
Order #14-53533-35, September 10, 2015
Respondent, Mansheng Gu, failed to disclose his wife on his application for automobile insurance with Progressive Drive NJ Insurance Company dated January 7, 2014.
Civil Penalty: $1,500

Freddie Lindvor, Raritan, NJ
Order #14-53564-35, September 10, 2015
Respondent, Freddie Lindvor, provided false and misleading information to Progressive Insurance Company when he reported his motorcycle accident claim.  Specifically, Freddie Lindvor lied about the date of his motorcycle accident in an attempt to take advantage of collision coverage he added to his policy after the accident had already occurred.
Civil Penalty: $2,000

Eder Villanueva, Somerset, NJ
Order #14-51609-35, September 10, 2015
Respondent, Eder Villanueva, when applying for coverage on March 18, 2014, knowingly failed to disclose to GEICO Insurance Company that the covered 2007 Mercury and 2002 Ford would be operated by non-licensed individuals.
Civil Penalty: $1,500

Eva Alvarez, Elizabeth, NJ
Order #15-51392-35, September 23, 2015
Respondent, Eva Alvarez, knowingly failed to disclose to CURE Insurance Company a resident at the policy household when completing her auto policy application signed May 4, 2013, and on renewal questionnaires dated February 18, 2014, and February 25, 2015.
Civil Penalty: $1,500

Marilyn Brown, East Orange, NJ
Order #13-53278-35, September 10, 2015
Respondent, Marilyn Brown, failed to disclose to New Jersey Manufacturers Insurance Company on September 7, 2012, and May 23, 2013, the operator of her 2011 Chevrolet and that it was garaged at a location other than the policy address.
Civil Penalty: $1,500

Dominic Calabrese, Mays Landing, NJ
Order #14-53978-35, September 24, 2015
Respondent, Dominic Calabrese, failed to disclose another person knowingly had possession of the insured 2007 Ford Fusion. The undisclosed individual was in fact the sole non-resident operator and garaged the insured vehicle at a location other than the insured address.
Civil Penalty: $1,500

Shlome Berger, Spring Valley, NY
Order #14-52730-35, September 15, 2015
Respondent, Shlome Berger, while neither admitting nor denying providing false information on an initial application for commercial auto insurance on May 9, 2014, with Plymouth Rock Assurance Company by indicating the garaging location of the insured 2014 Cadillac was in Lakewood, NJ, when in fact it was in New York, agrees to settle the matter by paying a civil penalty.
Civil Penalty: $1,500

Marvin I. Diaz-Cruz, Elizabeth, NJ
Order #15-50459-35, September 10, 2015
Respondent, Marvin I. Diaz-Cruz, on July 8, 2013, conspired with his brother to conceal from New Jersey Indemnity Insurance Company that Marvin was a resident driver of policy vehicles and a household member.
Civil Penalty: $500

Wilber E. Diaz-Cruz, Elizabeth, NJ
Order #15-50459-35, September 10, 2015
Respondent, Wilber E. Diaz-Cruz, on July 8, 2013, conspired with his brother to conceal from New Jersey Indemnity Insurance Company that Wilber was a resident driver of policy vehicles and a household member.
Civil Penalty: $500

Willie N. Williams, East Orange, NJ
Order #14-50280-04, September 10, 2015
Respondent, Willie N. Williams, knowingly obtained a policy with Progressive Insurance Company on December 20, 2013, and failed to disclose the insured vehicle had been involved in an accident on December 7, 2013, and filed a claim with Progressive Insurance Company on December 27, 2013, stating his car had been involved in a hit-and-run accident, when, in fact, it was in an accident on December 7, 2013.
Civil Penalty: $3,000

Sherrie Brown, Paterson, NJ
Order #15-50965-35, September 24, 2015
Respondent, Sherrie Brown, knowingly submitted a false and misleading statement on her automobile policy application dated April 3, 2014, to CURE Insurance Company.  Specifically, Sherrie Brown failed to disclose another household member, who was her live in boyfriend.
Civil Penalty: $1,500

 
August


Executed Consent Orders

Erica G. Merrin, Hackensack, NJ
Order # 14-51086-35, August 10, 2015
Respondent, Erica G. Merrin, failed to disclose Flavia Merrin as a household licensed operator on New Jersey Manufacturers Insurance Company automobile renewal questionnaires dated October 1, 2008, September 11, 2009 and September 1, 2013.
Civil Penalty: $1,500

David B. Fiallos, Long Valley, NJ
Order #13-53607-35, August 10, 2015
Respondent, David B. Fiallos, provided false and misleading information to New Jersey Manufacturers Insurance Company during a recorded phone call on May 7, 2013 by stating that a 1997 Chevrolet Van was used for personal usage, when in fact, the vehicle was used for business purposes.
Civil Penalty: $1,500

Rosa A. Lomonte, Long Valley, NJ
Order #13-53607-35, August 10, 2015
Respondent, Rosa A. Lomonte, provided false and misleading information to New Jersey Manufacturers Insurance Company during a recorded phone call on June 12, 2013 by stating that a 1997 Chevrolet van was used for personal usage, when in fact, the vehicle was used for business purposes.
Civil Penalty: $1,500

Melanie Sepulveda, Clifton, NJ
Order #14-53884-35, August 10, 2015
Respondent, Melanie Sepulveda, on April 29, 2014, knowingly provided a false and misleading statement on an automobile insurance application with CURE Insurance Company, specifically, failing to list her friend, Gerson Gonzalez, and Ashley Sepulveda as household resident drivers.
Civil Penalty: $1,500

Suresh Amin, Jersey City, NJ
Order #14-52980-35, August 10, 2015
Respondent, Suresh Amin, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated February 13, 2012. Specifically, by failing to disclose Sandip Amin as a resident and household member.
Civil Penalty: $1,500

Victoria Anne Rodriquez, Little Ferry, NJ
Order #14-52428-35, August 10, 2015
Respondent, Victoria Anne Rodriquez, knowingly submitted false and misleading statement(s) to CURE Insurance Company on an automobile application dated March 21, 2014.  Specifically, she stated that she resided at 101 Home Place, Lodi, NJ with her boyfriend's (Jason Santos) father, when in fact she resided at 38 Woodland Ave., Little Ferry, NJ and failed to disclose Jason Santos who resided within and has several infractions on his driver's license.
Civil Penalty: $1,500

Jessica Winter, Bergenfield, NJ
Order #14-54046-35, August 10, 2015
Respondent, Jessica Winter, knowingly submitted false and misleading statements on an automobile application dated April 16, 2014 to CURE Insurance Company.  Specifically, Jessica Winter failed to disclose her boyfriend, Robert Ciccone, as a household resident who had a suspended driver’s license.
Civil Penalty: $1,500

Jose M. Garcia, Summit, NJ
Order #13-51428-35, August 10, 2015
Respondent, Jose M. Garcia, knowingly provided false and misleading information on his Farmers Insurance auto application secured on December 1, 2014.  Specifically, Mr. Garcia failed to list Maria Rodriquez and Angel Taboada as primary operators for two of the policy vehicles.  In addition, Jose Garcia knowingly provided false and misleading information on his GEICO insurance policy secured on June 20, 2013.  Specifically, Mr. Garcia failed to disclose Jesus Sanchez as a regular operator of the 2005 Ford policy vehicle.
Civil Penalty: $1,500

Ebony Barrier, Paterson, NJ
Order #13-50192-35, August 10, 2015
Respondent, Ebony Barrier, knowingly provided false and misleading statements on her 21st Century Centennial Insurance application dated June 19, 2012, specifically, by not disclosing her sister, Kindrea Gibson, as a household resident.
Civil Penalty: $1,500

Junok Hwang, Brooklyn, NY
Order #14-53970-31, August 10, 2015
Respondent, Junok Hwang, knowingly provided false and misleading information on her New Jersey Skylands Insurance auto application with an effective date of November 1, 2012.  Specifically, Ms. Hang listed the policy residence as 502 Main St., Orange, NJ, when in fact her true policy residence was 673 83rd St., Brooklyn, NY.
Civil Penalty: $2,500

Richard Finizio, DC, Fort Lee, NJ
Order #14-52913-02, August 12, 2015
Respondent, Richard Finizio, DC, did knowingly submit (34) thirty-four claims to Encompass Insurance Company after his license to practice Chiropractic medicine had expired on August 24, 2011, for Encompass member Patricia Reinhardt (claim # Z71024055) between 2012 and 2014 which allowed Richard Finizio, DC, to collect $2,314.54 in benefits.
Civil Penalty: $3,500

Bradley Grant, Paterson, NJ
Order #11-23311-03, August 26, 2015
Respondent, Bradley Grant, filed a false and misleading insurance claim with Palisades Safety & Insurance Association (Palisades) by misrepresenting the facts and circumstances surrounding the reported theft of his 2003 Mercedes on March 12, 2011.  Specifically, Mr. Grant claimed he was at the Tremont Lounge near the border of Newark and East Orange, NJ, at the time of the reported theft, when in fact, he was actually in Bergen/Passaic counties.
Civil Penalty: $2,500

Kelly Gerow, Dumont, NJ
Order #14-51280-35, August 26, 2015
Respondent, Kelly Gerow (aka Kelly Diaz), misrepresented information when she applied for an automobile insurance policy with Metropolitan Property & Casualty Insurance Company (Metropolitan) on or about January 20, 2011.  Specifically, Ms. Gerow stated that she was not married, when in fact she was married and her husband, who is a licensed driver, resides with her at the policy address and he is driving one of the two policy vehicles on a regular basis.
Civil Penalty: $1,500

Carlos G. Callejas, Plainfield, NJ
Order #14-51293-35, August 26, 2015
Respondent, Carlos G. Callejas, provided false and misleading information to AMICA Insurance Company on December 6, 2013, by failing to list his wife, Maria A. Quinteros-Catles, on an AMICA Insurance Company New Jersey rating verification form.
Civil Penalty: $1,500

Yolanda Smith, East Orange, NJ
Order #14-52501-35, August 26, 2015
Respondent, Yolanda Smith, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance application dated May 25, 2013, by failing to disclose her daughter, Adria Smith, as a licensed household driver.
Civil Penalty: $1,500

Franklyn Sandiford, Orange, NJ
Order #14-53019-35, August 26, 2015
Respondent, Franklyn Sandiford, gave false and misleading information to New Jersey Manufacturers Insurance Company, on a renewal questionnaire dated December 22, 2013, specifically, that he failed to disclose a regular vehicle operator, his girlfriend, Marva Sanchez.
Civil Penalty: $1,500

Maria Garcia, Montclair, NJ
Order #14-50921-35, August 26, 2015
Respondent, Maria Garcia, on June 18, 2013 and July 16, 2013, knowingly provided false and misleading statements on an automobile insurance application and an underwriting request form with National Liability & Fire Insurance Company, specifically, by failing to disclose that the 1999 Ford Econoline was to be used for commercial purposes.
Civil Penalty: $2,500

Andres A. Diaz-Cruz, Elizabeth, NJ
Order #15-50459-35, August 10, 2015
Respondent, Andres A. Diaz-Cruz, on July 8, 2013, knowingly provided false and misleading statements on an automobile insurance application with New Jersey Indemnity Company by failing to disclose his brothers, Marvin Diaz-Cruz and Wilber Diaz-Cruz, as resident drivers and household members.
Civil Penalty: $1,500

Juan Gonzalez, Lawrence Township, NJ
Order #12-53740-04, August 10, 2015
Respondent, Juan Gonzalez, was insured with Plymouth Rock Assurance and on April 26, 2012, was involved in an accident which was reported to the Elizabeth Police Department.  On May 3, 2012, the insured added collision and comprehensive coverage to this vehicle. On June 14, 2012, a claim (075001187150) was submitted for the damage when in fact the damage occurred prior to him having coverage.
Civil Penalty: $5,000

Paula Hess, Voorhees, NJ
Order #14-53490-41, August 10, 2015
Respondent, Paula Hess, failed to disclose of several pre-existing medical conditions on her application for disability insurance with The Standard Insurance Company dated May 13, 2014.
Civil Penalty: $1,500

Mozell Marion, Piscataway, NJ
Order #14-53723-35, August 12, 2015
Respondent, Mozell Marion, failed to disclose on her auto application with CURE Insurance dated April 4, 2014, that Latrell Marion was a household resident/operator with a suspended driver's license.
Civil Penalty: $1,500

Bertha A. Bermudez, Elizabeth, NJ
Order #15-50858-35, August 26, 2015
Respondent, Bertha A. Bermudez, knowingly made material misrepresentations on her New Jersey Manufacturers Insurance Company renewal questionnaire applications for automobile insurance dated December 5, 2013 and December 17, 2014, by failing to disclose that one of her insured vehicles is regularly kept overnight at a location other than the policy address and an unlicensed household resident was convicted of moving violations while operating another one of the rspondent's insured vehicles and had their driving privileges suspended or revoked in New Jersey during the past 36 months.
Civil Penalty: $1,500

Nichole Farrell, Millville, NJ
Order #14-52465-04, August 26, 2015
Respondent, Nichole Farrell, made a false statement in furtherance of a claim by filing a police report on July 1, 2014, and stating that the damage to her vehicle happened the previous night when, in fact, it happened on June 22, 2014.  Nichole Farrell also failed to disclose of an occurrence that would affect her right to an insurance benefit by failing to disclose to Progressive Insurance that her vehicle was already damaged when she added the additional comprehensive coverages on June 22, 2014.
Civil Penalty: $2,500

Sara J. Eisenhuth, Tabernacle, NJ
Order #14-53975-41, August 1, 2015
Respondent, Sara J. Eisenhuth, neither admits nor denies providing materially false information on her Mutual of Omaha disability income insurance application dated November 8, 2012, and on her statement for disability benefits form dated July 7, 2014, by failing to disclose her complete medical history.
Civil Penalty: $1,500

Alodia Baez, Pembroke Pines, FL
Order #14-53810-31, August 10, 2015
Respondent, Alodia Baez, did knowingly provide a materially false statement on a renewal questionnaire to New Jersey Manufacturers Insurance Company on June 12, 2013, by failing to disclose the insured 2009 Nissan listed on the policy was garaged at a location other than the policy address, specifically, 7701 NW 6th St., Pembroke Pines, FL 33204.
Civil Penalty: $1,500

George F. Larkin, DDS, Manasquan, NJ
Order #14-50480-44, August 10, 2015
Respondent, George F. Larkin, DDS, neither admits nor denies submitting claim forms to Guardian Insurance Company, by billing for fillings for tooth #7, #9 and #13 for his patient, Stephanie Lind, that were not rendered.
Civil Penalty: $1,000

Rana K. Sellers
, Camden, NJ
Order #13-54089-43, August 21, 2015
Respondent, Rana K. Sellers, knowingly called three prescriptions in to pharmacies for Lee Harris and Amber Sellers under the names of physicians from Cooper Family Medicine who did not authorize nor order the medication and then picked up or attempted to pick up the prescriptions which were covered under Amerihealth Insurance.
Civil Penalty: $1,500

Shikeena N. Lynard, Westville, NJ
Order #14-53834-35, August 18, 2015
Respondent, Shikeena N. Lynard, did provide a materially false statement to CURE Auto Insurance Company on January 18, 2014, in obtaining automobile insurance, by knowingly failing to disclose that her civil union partner, Dominique Cruz, was a resident in her household.
Civil Penalty: $1,500

Neola Phillips-Greene, Vineland, NJ
Order #14-51913-35, August 18, 2015
Respondent, Neola Phillips-Greene, knowingly provided false and misleading information on an automobile insurance policy dated December 20, 2013, to CURE Auto Insurance.  Respondent failed to disclose an additional driver, her grandson, Jan Santiago, on the policy application.
Civil Penalty: $1,500

Robert S. Botlinger, Yardley, PA
Order #14-53279-31, August 21, 2015
Respondent, Robert S. Botlinger, did knowingly provide materially false information on two (2) automobile insurance renewal applications with Palisades Insurance Company on December 31, 2009 and January 6, 2011, by falsely claiming he was a resident of New Jersey and garaged his insured vehicle at 5 Beaverdale Lane, Willingboro, NJ 08047, when in fact, he resided in Pennsylvania.
Civil Penalty: $2,500

Kacey L. White, Asbury Park, NJ
Order #14-53502-04, August 10, 2015
Respondent, Kacey L. White, knowingly provided false and misleading information to USAA Insurance Company, specifically, by reporting a hit- and-run accident when in fact, she was involved in an at-fault accident dated March 4, 2014.
Civil Penalty: $2,500

Benjamin Melendez, Roselle, NJ
Order #12-53217-35, August 27, 2015
Respondent, Benjamin Melendez, while neither admitting nor denying guilt, provided false and misleading statements on policy renewal questionnaires (2006 through 2009) with CURE Insurance Company, specifically, failing to list his sons, Eric Melendez and Jose Armando Melendez, as household resident drivers.
Civil Penalty: $1,500

 
July


Executed Consent Orders

Elipson Carvajal, Hackensack, NJ
Order #14-51742-35, July 14, 2015
Respondent, Elipson Carvajal, knowingly submitted false and misleading statements to IFA Insurance Company on his automobile policy application dated May 22, 2012.  Specifically, Mr. Carvajal failed to list his son, Sebastian Carvajal, as a resident and subsequently as an operator.
Civil Penalty: $1,500

Catherine Maclean, Blairstown, NJ
Order #13-54596-04, July 9, 2015
Respondent, Catherine Maclean, submitted a false and misleading statement in support of an auto property damage claim dated March 30, 2013 to Plymouth Rock Insurance Company.  Specifically, Catherine Maclean altered a New Jersey police motor vehicle accident report to indicate that the accident occurred on March 30, 2013, during the effective policy period, when in fact the accident occurred on March 28, 2013, when the policy was cancelled.
Civil Penalty: $5,000

Jose Brito, Prospect Park, NJ
Order #15-50537-35, July 9, 2015
Respondent, Jose Brito, provided false and misleading information to Progressive Insurance Company in a statement of no loss on December 5, 2014 (4:27 p.m.) when reinstating his automobile insurance policy.  Specifically, Mr. Brito stated that his 1999 Honda had not been involved in any accidents since December 2, 2014, when in fact, it had been involved in an accident on December 5, 2014 (4:16 p.m.).
Civil Penalty: $2,500

Jose Lora, Clifton, NJ
Order #14-50990-35, July 8, 2015
Respondent, Jose Lora, on April 20, 2012, failed to disclose Rocio Gallardo as a household resident and regular operator of a 2007 Nissan Sentra to CURE Insurance Company on an application for automobile insurance.  Jose Lora also provided false and misleading information to CURE during a recorded statement on January 2, 2014, by misrepresenting his relationship to Rocio Gallardo.
Civil Penalty: $1,500

Michael Suarez, Clifton, NJ
Order #14-50904-35, July 1, 2015
Respondent, Michael Suarez, gave false and misleading information to IFA Insurance Company on his auto application dated March 6, 2009, and all subsequent renewals from 2010 through 2013.  Specifically, Mr. Suarez failed to disclose his sister, Jacqueline Toxtli, as a household member.
Civil Penalty: $1,500

Leidy Romero, Hackensack, NJ
Order #14-52236-35, July 9, 2015
Respondent, Leidy Romero, conspired with Nayibe Noriega when she gave false and misleading information to GEICO Indemnity Insurance Company on a renewal application dated May 3, 2014.  Specifically, Ms. Romero added a vehicle to her auto policy, knowing that Ms. Noriega was the registered owner.
Civil Penalty: $1,500

Jonathan Reyes, Belleville, NJ
Order #15-50651-35, July 20, 2015
Respondent, Jonathan Reyes, knowingly provided false and misleading statements on an automobile insurance application with Progressive Insurance Company dated January 9, 2014.  Mr. Reyes omitted on his application that he was married to Anna Olivero and that she resided with him as a licensed driver.
Civil Penalty: $1,500

Antonia Mercy
, East Orange, NJ
Order #14-51108-35, July 27, 2015
Respondent, Antonia Mercy, gave false and misleading statements to CURE Insurance Company when she applied for auto insurance on March 13, 2013, and failed to list her mother, Marie Prince, as a household resident.
Civil Penalty: $1,500

Anna Langford, Prospect Park, NJ
Order #12-52747-04, July 28, 2015
Respondent, Anna Langford, did knowingly provide false and misleading information to 21st Century Insurance Company.  The subject submitted a claim reporting that her 2001 Mitsubishi was damaged while parked on a street in Newark, NJ, on February 18, 2012, when in fact, she had knowledge that her vehicle was intentionally damaged to submit a claim and obtain monetary reimbursement.
Civil Penalty: $2,500

Jorge L. Balseiro Jr., Cliffside Park, NJ
Order #14-53014-35, July 27, 2015
Respondent, Jorge L. Balserio Jr., knowingly provided false and misleading statements to CURE Insurance Company on January 18, 2014, specifically, by adding a 2013 Honda Civic to the policy and indicating that the vehicle was garaged at the policy address and there were no additional drivers, when in fact, the vehicle was garaged in the Bronx, NY, and primarily driven by Veronica Hinojsa and Rosa Rosado.
Civil Penalty: $2,500

Cora Smith, West Orange, NJ
Order #15-50875-35, July 28, 2015
Respondent, Cora Smith, provided false and misleading information to CURE Insurance Company by failing to disclose her fiancé, Edmontz Alectus, as a licensed household operator with a suspended license on her automobile insurance policy application dated December 30, 2014.
Civil Penalty: $1,500

Odette Loureiro, Kearny, NJ
Order #14-53602-34, July 28, 2015
Respondent, Odette Loureiro, the insured, knowingly provided false and misleading information to Amex Assurance Company pursuant to a claim with a date of loss of July 2, 2014.  Specifically, Ms. Loureiro altered an estimate from R.A. TV Services, Inc., dated August 14, 2014, whereby she increased the total of the estimate from $676.28 to $1,897.41.
Civil Penalty: $2,500

Leslie Kennedy, Phillipsburg, NJ
Order #14-52193-35, July 28, 2015
Respondent, Leslie Kennedy, provided false and misleading information to IFA Insurance Company by not disclosing Milton G. Mickel, Jr., as a household resident and driver of her insured vehicle on a policy application dated January 27, 2014.
Civil Penalty: $1,500

Milton G. Mickel, Jr., Phillipsburg, NJ
Order #14-52193-35, July 28, 2015
Respondent, Milton G. Mickel, Jr., knowingly provided false and misleading information by conspiring with Leslie Kennedy to IFA Insurance Company by not disclosing Milton G. Mickel, Jr., as a household resident and driver of her insured vehicle on a policy application dated January 27, 2014.
Civil Penalty: $500

Manuel Arce, East Windsor, NJ
Order #14-53069-35, July 20, 2015
Respondent, Manuel Arce, did obtain insurance by having his brother, Francisco J. Arce, insure a 2009 Nissan Quest for him with New Jersey Manufacturers Insurance Company and garaging this vehicle at a location other than the policy address.
Civil Penalty: $500

Francisco J. Arce, Hightstown, NJ
Order #14-53069-35, July 20, 2015
Respondent, Francisco J. Arce, did provide false and misleading information to New Jersey Manufacturers Insurance Company by failing to identify Manuel Arce as an exclusive operator of his 2009 Nissan Quest for the years of 2010, 2011 and 2012.
Civil Penalty: $1,500

Evelyne Jilus, Browns Mills, NJ
Order #14-52475-35, July 7, 2015
Respondent, Evelyne Jilus, knowingly failed to disclose Esther Estiveine would be the operator of the covered 2000 Pontiac when completing her IFA Insurance Company policy application on February 19, 2014. 
Civil Penalty: $1,500

Ovid Bumgardner, Hazlet, NJ
Order #14-53242-39, July 7, 2015
Respondent, Ovid Bumgardner, knowingly provided false and misleading information to Primerica Life Insurance Company on his May 21, 2014 reinstatement application for life insurance, by failing to disclose his wife's (Jennifer Bumgardner) medical history.
Civil Penalty: $1,500

Faustino Saucedo, Perth Amboy, NJ
Order #14-52800-35, July 9, 2015
Respondent, Faustino Saucedo, when applying for coverage on October 7, 2010 and placing the 1995 BMW on his policy, knowingly failed to disclose to Geico Insurance Company that this vehicle would be operated by Faustino Saucedo, Jr.; when placing the 2000 Cadillac Escalade on his policy, knowingly failed to disclose to Geico Insurance Company that this vehicle would be operated by Jonathan Rodriguez and Erika Rodriguez; and when adding the 2001 Saturn to his policy on May 3, 2012, knowingly failed to disclose to Geico Insurance Company that this vehicle would be operated by Jonathan Rodriguez and Erika Rodriguez.
Civil Penalty: $1,500

John G. Covino, Toms River, NJ
Order #10-21707-24, July 27, 2015
Respondent John G. Covino, knowingly provided false and misleading information to The Medicine Shoppe and Horizon Blue Cross Blue Shield, specifically, by presenting a forged prescription from Whiting Medical Associates on January 6, 2010 for 90 Percocet tablets and utilizing Horizon Blue Cross Blue Shield benefits for the payment of the claim.
Civil Penalty: $2,500

Bryan Berger, D.C., Jamesburg, NJ
Order #13-51845-24, July 28, 2015
Respondent, Bryan Berger, D.C., did knowingly submit false claims and fabricated "Chart Notes" to Horizon Blue Cross Blue Shield of New Jersey for services not rendered to one patient on June 30, 2012 and July 2, 2012; and Bryan Berger, D.C., did knowingly misrepresent ineligible "Massage Therapy" (CPT 97124) and "Manual Therapy" (CPT 97140-59) services rendered by his massage therapist employees as eligible services by billing them under his own Tax Identification Number/National Provider Identification Number, making it appear that he himself had provided the services in order to circumvent the carrier's contract provisions on claims for 10 patients submitted to Horizon Blue Cross Blue Shield of New Jersey.
Civil Penalty: $100,000

Julie Moore, Howell, NJ
Order #14-52345-35, July 31, 2015
Respondent, Julie Moore, failed to disclose to IFA Insurance Company that Frankie Van Pelt, who had a suspended license, was residing at the policy address and was a regular operator of the insured vehicle at the time of application dated August 4, 2013.
Civil Penalty: $1,500

James E. Howard, Jr., Williamstown, NJ
Order #14-50400-35, July 31, 2015
Respondent, James E. Howard, Jr., did provide materially false written statements to New Jersey Manufacturers Insurance Company in renewing his automobile insurance on November 2, 2013 by knowingly failing to disclose the true primary driver and the garage location of the policy vehicle.
Civil Penalty: $1,500

Nakima Byrd, Lindenwold, NJ
Order #13-54529-35, July 9, 2015
Respondent, Nakima Byrd, did knowingly provide material false information on a statement of no loss to Progressive Garden State Insurance Company on March 17, 2013 at 6:09 p.m., by indicating that no one operating a vehicle on her policy had been involved in a crash during the lapse period, when in fact the respondent's friend, Rochelle Washington, was involved in a crash on March 17, 2013 at 6:02 p.m. Additionally, this misrepresentation resulted in a third party claim to Progressive Garden State Insurance Company.
Civil Penalty: $1,500

Sadiqullah Sarwari, South Plainfield, NJ
Order #14-53489-37, July 9, 2015
Respondent, Sadiqullah Sarwari, did provide materially false information on an application to Fidelity National Property & Casualty Insurance Company in obtaining dwelling fire Insurance dated March 22, 2013, by knowingly failing to disclose the dwelling had pre-existing damage, fire damage and roof damage.
Civil Penalty: $1,500

Raymond Lindgren, East Rutherford, NJ
Order #15-50605-35, July 20, 2015
Respondent, Raymond Lindgren, knowingly provided false and misleading information on an automobile insurance policy dated March 3, 2014, and an undisclosed driver certification signed on March 3, 2014, to Encompass Insurance Company by failing to disclose Angel Barrios as a driver of the insured vehicle, and misrepresented the garaging of the policy vehicle.
Civil Penalty: $1,500

Angel Barrios, Newark, NJ
Order #15-50605-35, July 31, 2015
Respondent, Angel Barrios, knowingly conspired with Raymond Lindgren in that he knowingly had possession of the insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on Raymond Lindgren's policy with Encompass Insurance Company on March 3, 2014.
Civil Penalty: $1,500

 
June


Executed Consent Orders

Min H. Kim, Ridgefield, NJ
Order #14-52812-38, June 4, 2015
Respondent, Min H. Kim, knowingly and intentionally provided false and misleading information on an auto application dated October 7, 2013 to Plymouth Rock Assurance Insurance by failing to disclose that a policy vehicle, a 2004 Ford Econoline Van, would be used for commercial purposes.
Civil Penalty: $1,500

Nicholas A. Grippi, Wayne, NJ
Order #15-50770-35, June 4, 2015
Respondent, Nicholas Grippi, prepared renewal questionnaires for New Jersey Manufacturers Insurance Company dated September 26, 2013 and October 5, 2014, both containing false and misleading information, specifically, failing to list his son, Christopher Grippi, as a licensed household driver and a regular operator.
Civil Penalty: $1,500

Margred Lirovich, Fair Lawn, NJ
Order #13-53490-04, June 4, 2015
Respondent, Margred Lirovich, reported to CURE Insurance Company on November 3, 2012 that her 2004 Mercedes Benz sustained multiple dents as a result of Hurricane Sandy which occurred on October 29, 2012, when in fact, a prior owner of the vehicle had submitted a claim to Hanover Insurance Group for the exact same damage on August 1, 2011.
Civil Penalty: $3,500

Scott Greenspan, Pine Brook, NJ
Order #14-53643-35, June 4, 2015
Respondent, Scott Greenspan, knowingly made several misrepresentations on his automobile application to New Jersey Manufacturers Insurance Company dated January 14, 2014.  Specifically, he added a 2001 Chevrolet which was owned by his girlfriend, Kaylin Schunck, garaged at her residence and he failed to disclose her as a driver of the vehicle.
Civil Penalty: $1,500

Isabel Lopez, Garfield, NJ
Order #14-53525-35, June 4, 2015
Respondent, Isabel Lopez, knowingly presented false and misleading statements when she submitted an automobile application to IFA Insurance Company dated June 13, 2014.  Specifically, Isabel Lopez stated in her application and on an undisclosed driver certification that she was the only household member and operator, when in fact, her son, Saul A. Jordan-Saladana, resided with her and drove her vehicle.
Civil Penalty: $1,500

Roccal Gilmore, Tinton Falls, NJ
Order #12-50472-03, June 10, 2015
Respondent, Roccal Gilmore, knowingly provided false and misleading information to Progressive Insurance Company by giving false testimony to a vehicle theft claim on December 3, 2011.
Civil Penalty: $5,000

Danny Spreiregen, Middletown, NJ
Order #14-53779-35, June 3, 2015
Respondent, Danny Spreiregen, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on February 25, 2014, by failing to disclose that the added vehicle to the policy was being used for business use.
Civil Penalty: $1,500

In Seung Yoo, Whitestone, NY
Order #13-54404-35, June 10, 2015
Respondent, In Seung Yoo, did conspire with Michael G. Beres, in providing a materially false statement to Plymouth Rock Assurance Company in obtaining automobile insurance on January 11, 2013, in that In Seung Yoo was the primary operator of an insured risk, a 2001 Lexus, garaging the same at his home in New York.
Civil Penalty: $1,500

Erik Johnson, Pleasantville, NJ
Order #14-53669-35, June 10, 2015
Respondent, Erik Johnson, did knowingly provide a materially false statement to New Jersey Manufacturers Insurance Company on May 10, 2013 by failing to disclose that Homer Johnson was the primary driver of the 2008 Ford F150 automobile listed on that policy and that the automobile was garaged at a location other than the policy address, specifically 8 Cedarcrest Ave., Pleasantville, NJ 08232.
Civil Penalty: $1,500

Homer Johnson, Pleasantville, NJ
Order #14-53669-35, June 10, 2015
Respondent, Homer Johnson, conspired with Erik Johnson in that he knowingly had possession of an insured risk, a 2008 Ford F-150, was the sole non-resident operator; garaged at his own home; and was not listed as a driver on Erik Johnson’s policy with New Jersey Manufacturers Insurance Company.
Civil Penalty: $1,500

Jasmin Romulus, Asbury Park, NJ
Order #14-51155-35, June 10, 2015
Respondent, Jasmin Romulus, did provide materially false written statements to New Jersey Indemnity Insurance Company on August 20, 2012, when obtaining his automobile insurance policy, by knowingly failing to disclose an additional household member, his nephew, Jean Romulus.
Civil Penalty: $1,500

George Kupinewicz, Bordentown, NJ
Order #14-53305-34, June 10, 2015
Respondent, George Kupinewicz, provided materially false information to Standard Insurance Company on a dependents life insurance application on July 16, 2014, by failing to disclose his complete medical history.
Civil Penalty: $1,500

Theresa Metzcher, Pine Hill, NJ
Order #14-52987-35, June 3, 2015
Respondent, Theresa Metzcher, knowingly provided false and misleading information on an automobile insurance policy dated October 8, 2010, to CURE Auto Insurance Company and subsequent renewal questionnaires dated August 23, 2011, September 1, 2012 and August 21, 2013, by failing to disclose Christoph Hand as an additional household member and driver of the insured vehicles.
Civil Penalty: $1,500

Van Millin, D.O., Villa Rica, GA
Order #09-24052-24, June 3, 2015
Respondent, Van Millin, D.O., knowingly and willfully between the dates of January 31, 2008 and March 24, 2011, made material false statements to carrier Horizon Blue Cross Blue Shield by charging six patients for services on 28 visits not rendered in the amount of $1,036.32.
Civil Penalty: $23,750

Jay Chokshi, Randolph, NJ
Order #13-54306-04, June 15, 2015
Respondent, Jay Chokshi, knowingly provided false and misleading statements to Allstate Insurance Company in support of an auto property damage claim dated September 17, 2013.  Specifically, Mr. Chokshi attempted to claim damages to his vehicle for which he was previously paid by Allstate Insurance Company in 2011.
Civil Penalty: $3,000

Santiago Garcia, Cliffside Park, NJ
Order #14-53545-35, June 15, 2015
Respondent, Santiago Garcia, knowingly submitted false and misleading information to IFA Insurance Company on his automobile application for insurance dated July 28, 2012, and on an underwriting questionnaire dated July 10, 2014.  Mr. Santiago Garcia listed himself as the only resident and operator on the policy, while failing to disclose that his fiancé, Sophia Colon, also resided at the policy address.
Civil Penalty: $1,500

Staci-Lyn E. Brown, Kearny, NJ
Order #14-50359-35, June 15, 2015
Respondent, Staci-Lyn E. Brown, knowingly and intentionally provided false and misleading information on an auto application dated February 21, 2011, and on a policy renewal application dated December 27, 2012, to CURE Insurance Company by failing to disclose her actual garaging location for her vehicles and for failing to list all the drivers of her vehicles.
Civil Penalty: $2,500

Ana Padilla, Elizabeth, NJ
Order #13-50914-35, June 15, 2015
Respondent, Ana Padilla, on May 3, 2012, failed to disclose her daughter, Jazmin Basurto-Suarez, as a resident and dependent on an application for automobile insurance with Metropolitan Property and Casualty Insurance Company.
Civil Penalty: $1,500

Felix Sanchez, Fairview, NJ
Order #14-52584-09, June 23, 2015
Respondent, Felix Sanchez, knowingly gave false and misleading statements to Drive New Jersey Insurance Company when he applied for insurance on June 13, 2013, and failed to list all residents of his household, specifically, his daughter, Karina Sanchez.
Civil Penalty: $1,500

Genaline Cabacab, Passaic, NJ
Order #13-50898-35, June 23, 2015
Respondent, Genaline Cabacab, knowingly provided false and misleading statements on an application for automobile insurance with New Jersey Manufacturers Insurance Company, dated January 11, 2006, as well as on subsequent policy renewal questionnaires in 2006, 2007, 2008, 2011 and 2012. Specifically, Genaline Cabacab initally failed to disclose Lose Grayson (boyfriend) as a resident of the policy address and driver of the policy vehicles.
Civil Penalty: $2,500

Nestor Rios, Basking Ridge, NJ
Order #14-51623-36, June 23, 2015
Respondent, Nestor Rios, knowingly provided false and misleading information to Horizon Blue Cross Blue Shield on a health policy application dated January 30, 2014.  Specifically, Mr. Rios used a false Social Security number.
Civil Penalty: $1,500

Amelia Lubrano, Randolph, NJ
Order #14-54123-35, June 30, 2015
Respondent, Amelia Lubrano, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Company when she renewed her automobile policy on November 11, 2013, specifically, that two of the insured vehicles were garaged in Chester and Mendham and not garaged at the policy address in Randolph, NJ.
Civil Penalty: $2,500

Lose Grayson, Passaic, NJ
Order #13-50898-35, June 23, 2015
Respondent, Lose Grayson, conspired with Genaline Cabacab to provide false and misleading statements on an automobile insurance application and renewals with New Jersey Manufacturers Insurance Company, from 2006 through 2012, by failing to disclose that he was a resident of the policy address and driver of the policy vehicles.
Civil Penalty: $2,500

Tonie Vargas, East Newark, NJ
Order #14-53664-35, June 29, 2015
Respondent, Tonie Vargas, failed to disclose to New Jersey Manufacturers Insurance Company on her auto policy application(s) dated August 16, 2013 and August 16, 2014, that the primary operator of her 2013 Chevrolet Spark was Stephanie Gomez, who was garaging the vehicle at 118 Floral St., Roselle, NJ.
Civil Penalty: $1,500

Katia Abreu, Freehold, NJ
Order #14-53742-35, June 23, 2015
Respondent, Katia Abreu, knowingly made material misrepresentations to High Point Insurance Company by failing to disclose the true garaging location and regular operator of an insured 2006 Hyundai Sonata on her application for automobile insurance dated February 15, 2012.
Civil Penalty: $1,500

David A. Baxter, IV
, Mount Ephraim, NJ
Order #14-53079-35, June 29, 2015
Respondent, David A. Baxter, IV, did provide a materially false statement to CURE Auto Insurance Company on June 7, 2014, in obtaining automobile insurance, by knowingly failing to disclose his step-mother, Angela Baxter, was a resident in the household and had a suspended New Jersey driver's license; and failed to disclose his step-sister, Morgan Peterson, was a resident in the household with a New Jersey driving permit.
Civil Penalty: $1,500

 
May


Executed Consent Orders

Ericka Smith, East Hanover, NJ
Order #14-51171-35, May 4, 2015
Respondent, Ericka Smith, did knowingly provide false and misleading information to Hanover Insurance Company on her automobile insurance application dated December 19, 2012 by failing to list her son, Nassir Smith, as a household resident, licensed resident or regular operator.
Civil Penalty: $1,500

Ralph Adorno, Putnam Valley, NY
Order #13-55015-25, May 4, 2015
Respondent, Ralph Adorno, submitted false and misleading statement(s) on a life/annuity insurance application to Allianz Insurance Company dated January 15, 2013.  Specifically, he stated that the application for Claire Kelmer dated September 7, 2012 was completed in Paramus, New Jersey, since this policy was not available in New York, when in fact it was completed in New York.
Civil Penalty: $5,000

Yvonna D. Wade, East Orange, NJ
Order #14-50063-35, May 4, 2015
Respondent, Yvonna D. Wade, on April 24, 2012, knowingly provided a false and misleading statement on an auto insurance policy application, as well as a renewal application dated February 8, 2013 with CURE Insurance Company, specifically, failing to list her sister, Yvette, as a licensed household driver and her aunt, Shelia Wade, as a household resident.
Civil Penalty: $1,500

Gloria Yunes, Hoboken, NJ
Order #12-51907-35, May 12, 2015
Respondent, Gloria Yunes, gave false and misleading statements to Liberty Mutual Insurance Company on January 4, 2012 when she failed to list her daughter, Jessica Salcedo, as a driver of her insured 2010 Honda Civic or as a resident in her household on her automobile insurance policy application.
Civil Penalty: $1,500

Barbara Alvarez, East Orange, NJ
Order #13-54546-35, May 4, 2015
Respondent, Barbara Alvarez, provided false and misleading information to Penn National/Founders Insurance Company on June 22, 2011 by failing to disclose her son, Eduardo Floresalvarez, as a resident on an automobile insurance policy application and on an undisclosed driver Certification.  Barbara Alvarez also failed to disclose her son as a licensed resident or regular operator when adding a 2000 Mitsubishi Galant to her policy on March 29, 2013.
Civil Penalty: $1,500

Brijette Kattoura, aka Brigette Kattoura, Guttenberg, NJ
Order #13-53039-07, May 19, 2015
Respondent, Brijette Kattoura, aka Brigette Kattoura, provided false and misleading information to Liberty Mutual Insurance Company on February 22, 2012, and to AAA Mid-Atlantic Insurance Company on March 9, 2012 by submitting Personal Injury Protection claims stating that she was an injured passenger in the policy vehicle during an automobile accident on February 3, 2012, when in fact, she was not a passenger.
Civil Penalty: $5,000

Yesenia Falcon, Newark, NJ
Order #14-51970-35, May 19, 2015
Respondent, Yesenia Falcon, knowingly provided false and misleading information to CURE Insurance Company by failing to disclose additional driver Carlos Colon on her auto policy dated September 16, 2013.
Civil Penalty: $1,500

Michele Rothmund, West Keansburg, NJ
Order #13-54861-35, May 12, 2015
Respondent, Michele Rothmund, knowingly misrepresented to Progressive Garden State Insurance Company, in violation of N.J.S.A. 17:33A-4, when she filed a claim on October 21, 2013, and she stated to a Progressive claims representative that she added her daughter, Kristina Rothmund, and a 2011 Nissan Versa, to her auto policy on the morning of October 17, 2013, when, in fact, Michele Rothmund added her daughter and the vehicle to the policy at 2:21 p.m. on October 17, 2013, after her daughter had been involved in a motor vehicle accident in the 2011 Nissan Versa at 2:10 p.m. on October 17, 2013.
Civil Penalty: $3,000

Ivan L. Ferreira, Freehold, NJ
Order #14-53742-35, May 12, 2015
Respondent, Ivan L. Ferreira, knowingly made material misrepresentations to Plymouth Rock Insurance Company by failing to disclose the true garaging location and regular operator of an insured 1997 Honda Accord when he added it to his automobile insurance policy on April 18, 2013.
Civil Penalty: $1,500

James Chen, Dayton, NJ
Order #10-23569-35, May 4, 2015
Respondent, James Chen, knowingly failed to disclose a statement of material fact to GEICO Insurance Company on February 17, 2010 pursuant to his 2001 Ford Windstar and on September 2, 2009 pursuant to his 1993 Mazda 626.
Civil Penalty: $10,000

Julio Juarez, North Brunswick, NJ
Order #14-52493-35, May 4, 2015
Respondent, Julio Juarez, knowingly provided false and misleading information to IFA Insurance Company on his January 11, 2013 application for auto insurance, by failing to disclose his daughter, Hellen Juarez, as a household member and/or operator of the insured vehicles.
Civil Penalty: $1,500

Freddy Olivo, Somerset, NJ
Order #14-53173-35, May 4, 2015
Respondent, Freddy Olivo, knowingly provided false and misleading information to Drive New Jersey Insurance Company by failing to disclose his daughter, Jennifer Olivo, on his auto policy dated January 16, 2014.
Civil Penalty: $1,500

Deyma Compton, New Brunswick, NJ
Order #14-52371-35, May 4, 2015
Respondent, Deyma Compton, knowingly provided false and misleading information to Drive New Jersey Insurance Company on her May 10, 2012 application for auto insurance, by failing to disclose her son, Santos A. Mendoza-Vasquez, as a household member and/or operator of the insured vehicles.
Civil Penalty: $1,500

Keturah Pasos-Rosato, Whiting, NJ
Order #14-53469-35, May 4, 2015
Respondent, Keturah Pasos-Rosato, failed to disclose to CURE Insurance Company on her auto policy application dated August 13, 2014 that the primary operator of her 2008 Chevrolet Malibu was Sekoyu Sidike who was garaging the vehicle at 429 West Chelton Avenue, Apartment 106, Philadelphia, PA, and submitted false and misleading statements on her CURE Insurance Company auto policy dated August 13, 2014.  Specifically, Keturah Pasos-Rosato failed to disclose Sekoyu Sidike, Lorraine Kennedy and Joshua Kennedy lived at her residence and possessed valid driver's licenses.
Civil Penalty: $1,500

Chandra Solberry, Jackson, NJ
Order #14-53506-35, May 12, 2015
Respondent, Chandra Solberry, did provide a materially false statement to GEICO Insurance Company on February 2, 2013 in obtaining automobile insurance by failing to disclose that Shadiyah Green was a resident in her household and a customary driver of the policy vehicle.
Civil Penalty: $1,500

Vehonice Gross, Vineland, NJ
Order #14-52715-35, May 12, 2015
Respondent, Vehonice Gross, did provide a materially false statement to IFA Insurance Company on February 14, 2014 in obtaining automobile insurance by knowingly failing to disclose that her daughter, Chinnise K. Gross, was a resident in her household and had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Tanya Sessons, Florence, NJ
Order #14-50624-04, May 12, 2015
Respondent, Tanya Sessons, did knowingly provide false statements to Progressive Garden State Insurance Company by claiming that damages to her 2004 Dodge Durango had occurred on February 24, 2014 at 12:00 noon, when in fact, the damage had occurred on February 24, 2014 at 7:50 a.m. which was prior to the addition of collision coverage.
Civil Penalty: $2,500

Doreen E. Lettieri, Brick, NJ
Order #14-54159-35, May 12, 2015
Respondent, Doreen E. Lettieri, did provide a materially false statement to CURE Auto Insurance Company in obtaining personal automobile insurance by knowingly failing to disclose that her daughter, Misty Lettieri, her daughter's boyfriend, Kristopher Twaddle, and their three children resided in the household on her application dated July 2, 2012 and her renewal questionnaires dated April 6, 2013 and April 8, 2014.
Civil Penalty: $1,500

Kayla T. Jenkins, Toms River, NJ
Order #14-52720-35, May 19, 2015
Respondent, Kayla T. Jenkins, did knowingly provide materially false and misleading information to CURE Insurance Company by failing to disclose that the car was being used for business purposes on her renewal questionnaire dated December 16, 2013.
Civil Penalty: $1,500

Juana Sanchez, Paterson, NJ
Order #14-50785-35, May 19, 2015
Respondent, Juana Sanchez, knowingly submitted false and misleading information to Allstate Insurance Company during the policy period of October 30, 2013 through April 30, 2014 relating to her automobile insurance by stating that no other licensed drivers resided in her household, when in fact there are several household residents.
Civil Penalty: $1,500

Arina Slinin, Manalapan, NJ
Order #12-50749-03, May 28, 2015
Respondent, Arina Slinin, did knowingly make false statements to Liberty Mutual Insurance Company concerning the theft and arson of his policy vehicle which was reported stolen on May 10, 2011.
Civil Penalty: $2,500

Alexander Slinin, Manalapan, NJ
Order #12-50749-03, May 28, 2015
Respondent, Alexander Slinin, did knowingly make false statements to Liberty Mutual Insurance Company concerning the theft and arson of his policy vehicle which was reported stolen on May 10, 2011.
Civil Penalty: $2,500

Vantroy Osorio, Aguas Buenas, PR
Order #12-51194-35, May 28, 2015
Respondent, Vantroy Osorio, on March 2, 2011, knowingly submitted false and misleading information when he failed to disclose his daughter, Varinoshka Osorio, as a licensed resident of his household on an IFA Insurance Company underwriting questionnaire.  Additionally, on March 31, 2010 and June 29, 2010, Mr. Osorio signed and submitted IFA Insurance Company forms and failed to disclose his daughter, Varinoshka, as a licensed household resident.
Civil Penalty: $1,500

Charade Collier, Clifton, NJ
Order #14-53163-35, May 28, 2015
Respondent, Charade Collier, made false and misleading statement(s) on several policy renewal questionnaires to CURE Insurance Company between 2011 through 2014.  Specifically, Ms. Collier stated that there were no additional drivers, when in fact, Alvin Phillips was an undisclosed household resident.
Civil Penalty: $1,500

Farhan Memon, Springfield, NJ
Order #13-50710-04, May 28, 2015
Respondent, Farhan Memon, filed a claim with Progressive Insurance Company on July 7, 2014, for pre-existing damage to his 2007 Mercury Mariner, knowing that the same claim had been previously submitted to Allstate Insurance Company.
Civil Penalty: $2,500

Kathleen Higgins, Oak Ridge, NJ
Order #13-54448-35, May 28, 2015
Respondent, Kathleen Higgins, provided false and misleading information to New Jersey Manufacturers Insurance Company on two automobile renewal questionnaires, dated August 16, 2009 and August 31, 2010, by failing to list George J. Rogers as a licensed household member with suspended driving privileges.
Civil Penalty: $1,500

Omar Rosario, Garfield, NJ
Order #14-53870-35, May 28, 2015
Respondent, Omar Rosario, knowingly submitted false and misleading statement(s) on an automobile policy application dated August 25, 2010 and several policy renewal questionnaires to CURE Insurance Company from 2011 through 2014.  Specifically, Omar Rosario stated that he was the only household member and operator, when in fact, Marcela Diaz, was also a resident and operator.
Civil Penalty: $1,500

Joao R. Luiz, Newark, NJ
Order #14-53742-35, May 28, 2015
Respondent, Joao R. Luiz, knowingly conspired with Katia Abreu and Ivan L. Ferreira to make material misrepresentations to Plymouth Rock Insurance Company regarding the garaging location and regular operator of his 2006 Hyundai Sonata and 1997 Honda Accord for the purpose of obtaining automobile insurance coverage for which they were not entitled.
Civil Penalty: $1,500

 
April


Executed Consent Orders

Maria Carreira, Harrison, NJ
Order # 12-52018-03, April 23, 2015
Respondent, Maria Carreira, knowingly provided false and misleading information to Progressive Insurance Company in pursuance of an auto theft claim on May 9, 2012. Specifically, Ms. Carreira reported that the 2006 Infinity policy vehicle was stolen on May 9, 2012, in Newark, NJ, when in fact the vehicle was stolen on April 15, 2012, as a result of a carjacking, which is before the policy reinstatement date of April 30, 2012.
Civil Penalty: $3,000

Clarence Corbin, Bloomfield, NJ
Order #14-50996-03, April 9, 2015
Respondent, Clarence Corbin, knowingly submitted a fraudulent insurance claim to State Farm Mutual Insurance Company dated December 1, 2005, stating that his 2002 Suzuki Motorcycle had been stolen on October 21, 2005, when in fact it wasn't.
Civil Penalty: $5,000

Dinorah Dijols, Manalapan, NJ
Order #14-53144-35, April 23, 2015
Respondent, Dinorah Dijols, knowingly failed to disclose her licensed resident son, Jason Dijols, on her March 24, 2012 CURE Insurance Company auto policy application.
Civil Penalty: $1,500

William Whelan, Parlin, NJ
Order #14-52423-35, April 9, 2015
Respondent, William Whelan, on May 26, 2012, obtained a policy with CURE Insurance Company. During the application process he misrepresented his true residency and failed to disclose that Kayla Ritcher would be a customary/usual operator of one of the policy insured vehicles, a 2014 Hyundai.
Civil Penalty: $1,500

Nhi Pham, Piscataway, NJ
Order #14-50351-35, April 2, 2015
Respondent, Nhi Pham, knowingly failed to disclose that she was, in fact, married and that her spouse, Nhuan Nguyen, who had a suspended license, resided at the policy address on her October 10, 2013 application for insurance with Plymouth Rock Assurance Company.
Civil Penalty: $1,500

Yvez Arthus, Hamilton, NJ
Order #14-52095-35, April 1, 2015
Respondent, Yves Arthus, did provide false and misleading information on an automobile insurance policy dated September 9, 2011, and an undisclosed driver certification dated April 1, 2014, to IFA Insurance Company. Respondent failed to disclose additional drivers, Louis Jacques and Micaela Arthus, on the policy application.
Civil Penalty: $1,500

Daniella M. Robinson, Sayreville, NJ
Order #14-53423-35, April 15, 2015
Respondent, Daniella M. Robinson, did knowingly provide material false information on an initial application for automobile insurance with CURE Auto Insurance Company on September 19, 2013, and a renewal questionnaire dated June 27, 2014, by failing to disclose her son, Kenneth Robinson, as a household resident and licensed driver.
Civil Penalty: $1,500

Jay Santiago, Egg Harbor Township, NJ
Order #14-51913-35, April 9, 2015
Respondent, Jay Santiago, conspired with Neola Phillips-Greene in that he knowingly had possession of an insured risk, was a non-resident operator, garaged the same at his residence, and was not listed as a driver on Neola Phillips-Greene's policy with CURE Auto Insurance Company dated December 20, 2013.
Civil Penalty: $1,500

Humble Beginnings, LLC and Joseph Lubowitz, Cherry Hill, NJ
Order #14-52912-24, April 1, 2015
Respondent, Humble Beginnings, LLC and Joseph Lubowitz, jointly and severally, caused claims to be submitted to Aetna Insurance Company for dates of service between March 12, 2014 and June 23, 2014, during which time the business was not licensed by the State of New Jersey to perform the services that were billed.
Civil Penalty: $77,000

Jessica Mell, Mount Laurel, NJ
Order #14-50460-35, April 1, 2015
Respondent, Jessica Mell, knowingly presented a claim to Progressive Insurance Company stating that she was involved in an accident on January 29, 2014, after her policy became effective at 10:00 a.m. eastern, when in fact, the accident happened at 9:14 a.m. eastern, before the policy was in effect.
Civil Penalty: $2,500

Robert A. Marchinek, DDS, Marlton, NJ 
Order #12-54389-44, April 20, 2015
Respondent, Robert A. Marchinek, DDS, may have made a misrepresentation to Delta Dental of New Jersey by failing to disclose his dental license was suspended from December 1, 2009 to May 4, 2010.
Civil Penalty: $3,500

Edison F. Guamba-Betanc, North Plainfield, NJ
Order #14-52964-35, April 29, 2015
Respondent, Edison F. Guamba-Betanc, did knowingly provide false and misleading information to Progressive Garden State Insurance Company by not disclosing Jonathan Guamba as a driver of his insured vehicle on the policy application dated March 6, 2013.
Civil Penalty: $1,500

Bruce Lieberman, Florham Park, NJ
Order #14-52375-35, April 29, 2015
Respondent, Bruce Lieberman, knowingly submitted false and misleading statement(s) to GEICO Insurance Company on an automobile insurance application dated May 30, 2014. Specifically, Mr. Lieberman insured 10 (ten) vehicles and disclosed only three drivers, when in fact, there were several other unlisted drivers. He also failed to disclose that many of the vehicles were used for business and garaged at various undisclosed locations.
Civil Penalty: $3,000

 
March


Executed Consent Orders

Evadne G. Slaughter, Leonia, NJ
Order # 12-52158-23, March 9, 2015
Respondent, Evadne G. Slaughter, gave false and misleading information to Progressive Garden State Insurance Company on a statement of no loss, while calling to reinstate her policy on May 16, 2012 at 12:58 PM. Specifically, knowing that she had an accident that day at 10 AM.
Civil Penalty: $1,500

Madison O. Brown, Staten Island, NY
Order #13-54451-35, March 9, 2015
Respondent, Madison O. Brown, conspired with his mother, Yvonne N. Brown, to give false and misleading information to New Jersey Manufacturers Insurance Company on several automobile insurance renewal questionnaires dated between November 12, 2003 and December 31, 2012.  Specifically, Yvonne N. Brown stated that as many as eight (8) vehicles were all registered and garaged at her policy address when in fact, many of these vehicles were garaged at her son, Madison O. Brown's address: 16 A Natalis Court, Staten Island, New York, and were used for commercial purposes.
Civil Penalty: $1,500

Pia U. Kallner, Jackson, NJ
Order #13-53166-35, March 9, 2015
Respondent, Pia U. Kallner, on January 12, 2013, conspired with Daphne Perez to conceal from GEICO Insurance Company that she and Angelo Perez were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover and failed to disclose the true garaging address of the 2008 Mercedes Benz and 2008 Land Rover.
Civil Penalty: $1,500

Attia Darwish, Wharton, NJ
Order #14-52280-35, March 9, 2015
Respondent, Attia Darwish, knowingly failed to disclose that he was married to Monsoura Darwish on his Plymouth Rock Insurance Company auto application dated February 14, 2014.  Mrs. Monsoura Darwish was involved in an automobile accident on March 29, 2014 while driving the policy vehicle.
Civil Penalty: $1,500

Engjell Bejko, Tenafly, NJ
Order #13-54310-35, March 9, 2015
Respondent, Engjell Bejko, on December 14, 2012, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list his son, Renis Bejko, as a household resident driver.
Civil Penalty: $1,500

Karen Zapata, Bloomfield, NJ
Order #14-52540-35, March 20, 2015
Respondent, Karen Zapata, on January 16, 2013, knowingly provided a false and misleading statement on an auto insurance application with IFA Insurance Company, specifically, failing to list her sister, Stephanie Zapata, as a licensed household driver of one of her vehicles.
Civil Penalty: $1,500

Yvonne D. Jones, Prospect Park, NJ
Order #13-54431-35, March 20, 2015
Respondent, Yvonne D. Jones, knowingly provided false and misleading statements on her Plymouth Rock Assurance policy dated June 26, 2012, specifically, by failing to disclose her husband, Leonard Williams, as a resident driver and a household member.
Civil Penalty: $1,500

William D. Bierwas, Ringwood, NJ
Order #12-50094-41, March 20, 2015
Respondent, William D. Bierwas, provided false and misleading information to UNUM Insurance Company on a disability status update form dated May 10, 2011 by stating that he had not returned to work and had not worked anywhere, when in fact he was working for a pest control company while receiving disability benefits.
Civil Penalty: $3,500

Scott Rolfe, Philadelphia, PA
Order #13-54017-04, March 4, 2015
Respondent, Scott Rolfe, did knowingly fail to disclose material information to USAA Insurance Company regarding his claim. Respondent reported that on July 12, 2013, his vehicle was struck while parked in the parking lot of the Holiday Inn in Bensalem, Pa., when in fact, the respondent had struck a concrete barrier in Philadelphia.
Civil Penalty: $3,500

Shamar D. Conover, Long Branch, NJ
Order #14-51335-35, March 4, 2015
Respondent, Shamar Conover, did knowingly misrepresent material information on his CURE Auto Insurance Company application dated February 10, 2014, for failure to disclose his two step-sisters, Kenneshia L. Barrow and Ieisha M. Barrow, as household members with suspended driver's licenses.
Civil Penalty: $1,500

Jose E. Torres, Willingboro, NJ
Order #14-52112-35, March 20, 2015
Respondent, Jose E. Torres, did provide a materially false written statement on his CURE Auto Insurance Company renewal application questionnaire dated August 15, 2013 by knowingly failing to disclose, Karola Lugo, as a resident in his household and an operator of the insured vehicles.
Civil Penalty: $1,500

Jessica Kligerman, Southampton, NJ
Order #13-52854-04, March 25, 2015
Respondent, Jessica Kligerman, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on May 18, 2013, at 3:10 PM by indicating that she did not have a loss during the policy lapse period, when in fact, her insured 1995 Mercury Tracer, driven by Joshua Thomas, was involved in a crash on May 18, 2013 at 11:53 AM. This misrepresentation resulted in a third party claim.
Civil Penalty: $1,500

Steven A. Sandella, Brick, NJ
Order #13-52450-35, March 25, 2015
Respondent, Steven A. Sandella, did knowingly make a material misrepresentation to Personal Service Insurance Company on January 21, 2013 at 4:52:19 PM by giving a false statement of no loss. Additionally, this misrepresentation resulted in a claim by a third party.
Civil Penalty: $2,500

John F. Zacchi, Madeira Beach, FL
Order #13-50071-22, March 25, 2015
Respondent, John F. Zacchi, did knowingly provide material false information to Prudential Life Insurance Company during a recorded phone call on April 24, 2012, filed a false Prudential Group Life Insurance Benefits Statement on May 25, 2012, and then received a $61,000 benefit he was not entitled to receive.
Civil Penalty: $5,000

Carl P. Catino, Pennsauken, NJ
Order #12-53184-45, March 4, 2015
Respondent, Carl P. Catino, knowingly presented or caused to be presented, invoices and signed receipts for caregiver services by Brenda J. Krauss and Dorothy H. Dolan between July 2010 and August 2012 that were not rendered, for which he received $59,592.21 reimbursement under a long term care insurance policy with Genworth Financial.
Civil Penalty: $70,000

Tariq Issa, Garfield, NJ
Order #12-53788-03, March 31, 2015
Respondent, Tariq Issa, provided false and misleading information to Progressive Insurance Company between August 7, 2012 and August 10, 2012 in support of an automobile theft claim. Specifically, Mr. Issa added comprehensive coverage to his automobile policy insuring a 1998 Honda after the vehicle had been stolen and provided false information about the time of the theft.
Civil Penalty: $5,000

Abdul W. Adjei, East Orange, NJ
Order #14-51962-35, March 31, 2015
Respondent, Abdul W. Adjei, on October 21, 2013, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list his wife, Thelma Odoi, and his daughters, Irene and Harriet Odoi, as licensed household resident drivers.
Civil Penalty: $1,500

Jayson Shambee, Palisades Park, NJ
Order #14-50121-04, March 31, 2015
Respondent, Jayson Shambee, knowingly and intentionally provided false and misleading information to Progressive Garden State Insurance Company by submitting a claim for damage to his 2005 Toyota Avalon, by stating that the loss occurred on December 10, 2013, when in fact the accident occurred prior to the inception of his auto policy on December 6, 2013.
Civil Penalty: $3,000

Giovanni Lovorato, Rahway, NJ
Order #13-51091-35, March 31, 2015
Respondent, Giovanni Lovorato, failed to disclose Giuseppe Lovorato as a licensed resident or operator of his vehicles on New Jersey Manufacturers Insurance Company renewal questionnaires dated July 21, 2008 and July 29, 2009.
Civil Penalty: $1,500

Mercy Babu, Bergenfield, NJ
Order #14-51906-35, March 31, 2015
Respondent, Mercy Babu, knowingly submitted false and misleading information to New Jersey Manufacturers Insurance Company on her automobile application dated June 2, 2011. Mercy Babu failed to list her two children, Nimisha Babu and Nithin Babu, as resident licensed drivers.
Civil Penalty: $1,500

Jonathan Ortiz, Union, NJ
Order #14-52072-04, March 31, 2015
Respondent, Jonathan Ortiz, knowingly provided false and misleading information to USAA Insurance Company material to an April 18, 2014 date of loss.  Specifically, respondent submitted a claim that included previous damage from a prior incident and/or accident.
Civil Penalty: $1,500

Nora Antwi-Adjei, Union, NJ
Order #14-52532-35, March 31, 2015
Respondent, Nora Antwi-Adjei, obtained a policy with IFA Insurance Company on September 18, 2011.  On October 4, 2011 and October 15, 2012, Nora Antwi-Adjei signed an undisclosed driver certification indicating no other household residents in her home.  On February 28, 2014 an accident occurred while the insured vehicle, a 2003 Honda Accord, was being operated by William Gbloyah, who was not disclosed on the policy as a household resident/driver. Therefore, Nora Antwi-Adjei misrepresented information to IFA Insurance resulting in a premium savings of $489 in violation of the New Jersey Insurance Fraud Prevention Act.
Civil Penalty: $1,500

Cheryl Tilton, Brick, NJ
Order #14-52169-35, March 31, 2015
Respondent, Cheryl Tilton, knowingly provided false and misleading information to IFA Insurance Company by failing to disclose additional driver, Brittany Ochat, on her auto policy dated January 28, 2014.
Civil Penalty: $1,500

Jackie Loncosky, Trenton, NJ
Order #14-53020-35, March 31, 2015
Respondent, Jackie Loncosky, did knowingly provide a materially false statement to New Jersey Manufacturers Insurance Company on December 29, 2013, by failing to disclose that Lisa Loncosky was the primary driver of the 2001 Nissan Pathfinder listed on that policy and that the automobile was garaged at a location other than the policy address of 12 Assunpink Blvd., Trenton, NJ 08619.
Civil Penalty: $1,500

Sterling Bailey, Camden, NJ
Order #12-50730-03, March 31, 2015
Respondent, Sterling Bailey, did provide materially false information to GEICO Insurance Company in support of an automobile theft claim.  Specifically, respondent claimed his vehicle was stolen on November 5, 2011, when in fact, he knew it was not.
Civil Penalty: $5,000

Michele Heimlich, Haddonfield, NJ
Order #14-51961-35, March 27, 2015
Respondent, Michele Heimlich, did provide a materially false written statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated October 3, 2013, by knowingly failing to disclose that her daughter, Heather Heimlich, was a regular operator of the vehicle.
Civil Penalty: $1,500

James R. Pantaleano, Cannonsburg, PA
Order #14-51889-33, March 27, 2015
Respondent, James R. Pantaleano, knowingly returned to work as a sulky driver in Ohio on February 8, 2014, while still collecting workers compensation temporary disability benefits in New Jersey, to which he was not entitled.
Civil Penalty: $1,500

Ana M. Farrell, Newark, NJ
Order #13-53126-35, March 17, 2015
Respondent, Ana M. Farrell, made written statements intended to be presented to Cure Auto Insurance Company for the purpose of obtaining an insurance policy, knowing that the statements contained false and misleading information concerning things material to an insurance application.
Civil Penalty: $1,500

 
February


Executed Consent Orders

Luis Sagastume, West Orange, NJ
Order #14-50864-04, February 6, 2015
Respondent, Luis Sagastume, gave false and misleading information to Liberty Mutual Insurance Company in a recorded statement on January 31, 2014 by reporting that his 2005 Toyota Sequoia was damaged while parked on January 24, 2014, when in fact, he struck a pole while operating the vehicle.
Civil Penalty: $1,500

Angelo Perez, Jackson, NJ
Order #13-53166-35, February 17, 2015
Respondent, Angelo Perez, on January 12, 2013, conspired with Daphne Perez to conceal from GEICO Insurance Company that he and Pia Kallner were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover and failed to disclose the true garaging location of the 2008 Mercedes Benz and 2008 Land Rover.
Civil Penalty: $1,500

John Schaub, Butler, NJ
Order #11-22771-33, February 6, 2015
Respondent, John Schaub, submitted an application for workers compensation benefits to Peerless Insurance Company on February 19, 2011 claiming he was not able to work due to injuries received on the job.  Mr. Schaub did perform manual labor for a contractor on May 23, 2011 and May 24, 2011 and was paid by the contractor while he was receiving workers compensation benefits.
Civil Penalty: $1,500

Maher Soliman, Wood-Ridge, NJ
Order #13-50001-26, February 17, 2015
Respondent, Maher M. Soliman, knowingly provided false information to Progressive Insurance Company by submitting an altered towing bill from the original amount of $565.30 to $2,565.30.
Civil Penalty: $2,500

Fredys Hernandez, Paterson, NJ
Order #14-50259-35, February 6, 2015
Respondent, Fredys Hernandez, knowingly and intentionally did on April 27, 2013, provide false and misleading information to New Jersey Manufacturers Insurance Company on his automobile insurance renewal questionnaire by failing to disclose his son as a licensed resident or driver of his 2009 Toyota Camry.
Civil Penalty: $1,500

Evelyn Brown-Wiles, Newark, NJ
Order #13-53993-35, February 17, 2015
Respondent, Evelyn Brown Wiles, on July 1 2011, failed to disclose Carl Brown as a household resident or a licensed household resident for automobile insurance with Farmers 21st Century Centennial Insurance Company.
Civil Penalty: $1,500

Thomas Moschella, West Caldwell, NJ
Order #13-53608-35, February 26, 2015
Respondent, Thomas Moschella, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on his automobile insurance renewal questionnaires dated March 28, 2012 and May 2, 2013 by failing to list Kathryn Russo, a licensed household resident.
Civil Penalty: $1,500

Yvonne N. Brown, Montclair, NJ
Order #13-54451-35, February 18, 2015
Respondent, Yvonne N. Brown, gave false and misleading information to New Jersey Manufacturers Insurance Company on several automobile insurance renewal questionnaires dated between November 12, 2003 and December 31, 2012.  Specifically, she stated that as many as eight (8) vehicles were registered and garaged at her policy address, when in fact many of these vehicles were garaged at her son, Madison Brown's address: 16 Natalis Court, Staten Island, New York, and were used for commercial purposes.
Civil Penalty: $1,500

Iris Booker-Reaves, Jersey City, NJ
Order #13-54203-35, February 26, 2015
Respondent, Iris Booker-Reaves, on August 2, 2013, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list her son, Jamal Booker, as a household resident driver of her vehicle.
Civil Penalty: $1,500

Naadirah Harris, Jersey City, NJ
Order #13-53919-03, February 26, 2015
Respondent, Naadirah Harris, did knowingly provide false and misleading information to GEICO Insurance Company on August 28, 2013, by submitting an affidavit of theft and a police report in support of an automobile theft claim stating that she last observed her 2009 Honda Civic on August 25, 2013 at 6 p.m. while it was parked at 101 Randolph Street, Jersey City, New Jersey, when in fact the vehicle was last seen when Naadirah Harris parked the vehicle in front of her residence on August 24, 2013.
Civil Penalty: $3,000

Melvina W. Weems, Scotch Plains, NJ
Order #14-51071-03, February 26, 2015
Respondent, Melvina W. Weems, knowingly provided false and misleading information on February 21, 2013 to the Progressive Insurance Company by failing to disclose Reggie Walker as the primary driver of the insured vehicle when adding the 2003 Cadillac Escalade (vehicle) to the policy.  And also, respondent failed to disclose to the Progressive Insurance Company that the 2003 Cadillac Escalade would be garaged and operated by Reggie Walker from a location other than the policy address.
Civil Penalty: $1,500

Reginald Walker, Newark, NJ
Order #14-51071-03, February 16, 2015
Respondent, Reginald Walker, knowingly conspired with Melvina Weems to give false and misleading information on February 13, 2013 to the Progressive Insurance Company by not disclosing the respondent as the primary driver of the insured vehicle when adding the 2003 Cadillac Escalade (vehicle) to the policy.  And also, the respondent conspired with Melvina Weems, by failing to disclose to the Progressive Insurance Company that the vehicle would be garaged and operated by the respondent from a location other than the policy address.
Civil Penalty: $1,500

Christina L. Parker, Galloway, NJ
Order #14-52492-35, February 26, 2015
Respondent, Christina L. Parker, submitted false and misleading statements and documents to the IFA Insurance Company regarding her mother's, Beth Parker, auto policy.  Specifically, Christina Parker submitted a copy of a New Jersey Registration for her sister-in-law's, Heather Parker, 2000 Dodge that contained an altered and fictitious address in an attempt to hide that she was a licensed driver and resident of the household and when adding a 1994 Buick to her mother's IFA auto policy, she failed to disclose her daughter-in-law, Heather Parker, had a valid New Jersey driver's license and resided at her residence.
Civil Penalty: $1,500

Lillian Alvarez-Abad, Staten Island, NY
Order #14-51932-31, February 26, 2015
Respondent, Lillian Alvarez-Abad, failed to disclose to the Plymouth Rock Assurance Company (formerly the High Point Insurance Company) that she and her family moved in March 2011, from 8 Amy Court, Old Bridge, New Jersey to 650 Correll Avenue, Staten Island, New York.
Civil Penalty: $1,500

Tanya Aristizabal, Elizabeth, NJ
Order #14-50710-35, February 23, 2015
Respondent, Tanya Aristizabal, when applying for coverage with Selective Insurance Company on July 30, 2012, knowingly failed to disclose that Luis C. Julio, birth date November 14, 1989, would be a regular and licensed policy household resident/operator regarding the covered 2003 Mitsubishi, and when applying for coverage with Selective Insurance Company on July 30, 2012, she knowingly failed to disclose that Julio C. Julio was a licensed policy household resident, and when applying for coverage with Selective Insurance Company on July 30, 2012, she knowingly failed to disclose that Luis C. Julio, birth date of January 31, 1964, was a policy household resident with suspended driving privileges, and when completing the carrier's underwriting department's PIP Premium Discount Letter, she signed on June 19, 2013, knowingly failed to disclose that Luis C. Julio, birth date of January 31, 1964, Luis C. Julio, birth date of November 14, 1989 and Julio C. Julio were licensed residents of the policy household.
Civil Penalty: $2,500

Michael D. Horn, Jr., Haddon Township, NJ
Order #13-54130-12, February 26, 2015
Respondent, Michael D. Horn, Jr., knowingly made material misrepresentations regarding his July 24, 2013 renter’s insurance theft claim with Garrison Property & Casualty/USAA Insurance Company.  The subject claimed his digital camera was stolen, when in fact, it belonged to his girlfriend.
Civil Penalty: $500

Ashley M. Smith, Mays Landing, NJ
Order #12-50611-03, February 26, 2015
Respondent, Ashley M. Smith, knowingly provided false and misleading information to State Farm Insurance Company specifically, by stating her rental car was stolen in Atlantic City on August 21, 2011 when in fact, the car was not stolen.
Civil Penalty: $3,500

April Robinson, Glassboro, NJ
Order #14-52185-35, February 26, 2015
Respondent, April Robinson, knowingly supplied material false information on an application for automobile insurance to CURE Auto Insurance Company on January 7, 2013, by acknowledging that she was the owner of the insured 2001 Volkswagen Jetta, when in fact, the vehicle was titled and registered to her sister, Patricia Jasper, and her father, Robert Robinson.
Civil Penalty: $1,500

Daphne Perez, Minotola, NJ
Order #13-53166-35, February 17, 2015
Respondent, Daphne Perez, on January 12, 2013, failed to disclose to GEICO that Angelo Perez and Pia Kallner were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover.  Daphne Perez also failed to disclose the true garaging location of a 1994 Ford when adding the vehicle to her policy on March 25, 2013.
Civil Penalty: $1,500

 
January


Executed Consent Orders

Vicente Quevedo Jr., Paterson, NJ
Order # 12-53247-03, January 15, 2015
Respondent, Vicente Quevedo Jr., knowingly submitted fraudulent statements to Esurance Insurance Company while pursuing an auto theft claim dated June 2, 2012. Specifically, Mr. Quevedo stated that his vehicle was stolen, when in fact the vehicle was never stolen, but Mr. Quevedo was involved in an auto accident.
Civil Penalty: $3,500

Eung Sang Lee, Harrington Park, NJ
Order #14-50200-02, January 15, 2015
Respondent, Eung Sang Lee, knowingly submitted claims on behalf of five (5) Plymouth Rock Insurance members: James Lim, Joseph Byung Jin Kang, Jin Soo Choi, Harold Lee and Eun Lee, for ultrasound using CPT Code G0283 between 2012 and 2013, indicating that he had performed the services, when in fact they were performed by unlicensed personnel.
Civil Penalty: $4,000

Diogenes Sanchez, Paterson, NJ
Order #13-53350-07, January 21, 2015
Respondent, Diogenes Sanchez, knowingly provided false and misleading information to New Jersey Property Liability Insurance Guaranty Association in pursuance of a PIP claim for injuries he sustained from being struck by a vehicle on July 16, 2012. Specifically, Mr. Sanchez provided a false name and false pedigree information on all submitted PIP claim documents.
Civil Penalty: $5,000

Fanny Hincapie, Rutherford, NJ
Order #13-54893-35, January 21, 2015
Respondent, Fanny Hincapie, knowingly submitted false and misleading information to Metropolitan Property and Casualty Insurance Company on her automobile insurance policy application dated June 12, 2012. Ms. Hincapie failed to disclose her daughter, Alexandra M. Corales, as a regular operator of the insured's 2010 Honda Pilot. Ms. Hincapie also failed to disclose that the policy vehicle was not being garaged at the policy address.
Civil Penalty: $1,500

Tamika J. Jackson, Rahway, NJ
Order #12-53875-04, January 15, 2015
Respondent, Tamika J. Jackson, knowingly provided false and misleading information to Progressive Garden State Insurance Company on September 12, 2012, by reporting that she was involved in a motor vehicle crash on September 7, 2012 at 4:43 p.m., after the inception of her automobile insurance policy on September 7, 2012 at 7:18 a.m., when in fact, the crash occurred on September 7, 2012 at 3:43 a.m.
Civil Penalty: $2,500

Dong Hoon Seok/King’s Auto Body, Palisades Park, NJ
Order #13-51930-26, January 8, 2015
Respondent, Dong Hoon Seok/King's Auto Body, LLC, on or about January 16, 2013, submitted a fabricated towing bill for an inflated amount to the Allstate Insurance Company in support of an automobile property damage claim made by the insured, Keum Muhn.
Civil Penalty: $2,500

Franclin Estrada, Fairview, NJ
Order #12-53513-35, January 8, 2015
Respondent, Franclin Estrada, conspired with Erwin Garcia to conceal that Franclin Estrada was the true owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Erwin Garcia, North Bergen, NJ
Order #12-53513-35, January 8, 2015
Respondent, Erwin Garcia, failed to disclose Franclin Estrada as the owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Joseph Rambhajan, Jr., Parlin, NJ
Order #13-55044-34, January 21, 2015
Respondent, Joseph Rambhajan, Jr., neither admits nor denies failing to disclose a prior medical condition on his application for a Disability Income Protector Policy with Combined Insurance Company of America dated August 15, 2013.
Civil Penalty: $1,500

Marie Cesar, Hillside, NJ
Order #14-52457-35, January 21, 2015
Respondent, Marie Cesar, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by not disclosing her daughter, Alensha Guerrier, as a driver of her insured vehicle on a policy application dated July 17, 2013.
Civil Penalty: $1,500

Michael Pedone, North Middletown, NJ
Order #14-51044-35, January 20, 2015
Respondent, Michael Pedone, did knowingly provide misleading information to Cure Insurance Company by not disclosing Ann Pedone as a licensed, primary operator of the policy vehicle on his auto application dated November 15, 2013.
Civil Penalty: $1,500

Mike Douze, Orange, NJ
Order #14-52091-35, January 12, 2015
Respondent, Mike Douze, knowingly provided false and misleading information to Cure Insurance Company by not disclosing Amber Paul as a driver of his insured vehicle on a policy application dated March 10, 2014.
Civil Penalty: $1,500

Jesenia Santiago, East Brunswick, NJ
Order #14-52205-35, January 21, 2015
Respondent, Jesenia Santiago, did knowingly provide material false information on an application for auto insurance with IFA Insurance Company dated March 21, 2013, by failing to disclose her boyfriend, Daniel Bonilla, as a household member and driver of the insured vehicle.
Civil Penalty: $1,500

Sandra Hionas, Camden, NJ
Order #14-50247-35, January 21, 2015
Respondent, Sandra Hionas, failed to disclose the true garaging locations of the 1995 Jeep, the 2006 Toyota, and the 2006 Kia policy vehicles as well as that her daughter, Samantha Hionas, was the primary driver of the 1995 Jeep and that her son, Petros Hionas, was the primary driver of the 2006 Toyota to NJ Re-Insurance on correspondence dated June 10, 2009 and January 7, 2010, as well as on renewal questionnaires dated January 13, 2010, February 8, 2011 and January 20, 2012.
Civil Penalty: $1,500.00

Kristin Ferraro
, Eatontown, NJ
Order #14-50518-35, January 12, 2015
Respondent, Kristin Ferraro, did knowingly provide materially false written statements to CURE Auto Insurance Company on her renewal dated April 22, 2013, by failing to disclose an additional licensed household member, Nicholas J. Iacono.
Civil Penalty: $1,500

Tiffany Sardella, Forked River, NJ
Order #14-50623-04, January 8, 2015
Respondent, Tiffany Sardella, did knowingly provide a material misrepresentation to Progressive Garden State Insurance Company on February 26, 2014 at 9:44 a.m. by not disclosing a prior accident on February 26, 2014 at 7:47 a.m. on her application for an automobile insurance policy. The respondent then submitted a claim for the crash on February 26, 2014 at 12:28 p.m. in an attempt to receive a benefit she was not entitled.
Civil Penalty: $1,500

Cassandra Chavez, Landisville, NJ
Order #14-51589-35, January 12, 2015
Respondent, Cassandra Chavez, did knowingly present false material information on an auto insurance application dated January 25, 2014 with Plymouth Rock Assurance specifically, by failing to disclose her boyfriend, Brendon Shaw, as a household member and driver.
Civil Penalty: $1,500

Shawn Mitchell, Paterson, NJ
Order #13-52806-35, January 29, 2015
Respondent, Shawn Mitchell, knowingly submitted false and misleading information to CURE Insurance Company on an automobile policy dated April 12, 2012, by failing to disclose her daughter, Brittany Mitchell, as a licensed driver or operator and her son, Troy Mitchell Jr., as a resident in her household.
Civil Penalty: $1,500

Brenda Galarza, Newark, NJ
Order #13-53590-35, January 29, 2015
Respondent, Brenda Galarza, knowingly supplied false and misleading statements on an application with CURE Insurance Company dated January 20, 2012, and a policy renewal questionnaire dated December 12, 2012, specifically, by failing to disclose that Samuel Casseus, Jr., was a resident of the policy address.
Civil Penalty: $1,500

Ariel Guzman, Paramus, NJ
Order #14-52925-35, January 29, 2015
Respondent, Ariel Guzman, on March 10, 2014, knowingly provided a false and misleading statement on an auto insurance application with National Liability and Fire Insurance Company, specifically, stating he resided at 40 Brock Court, Paramus, New Jersey, when in fact he was residing at 390 Madison Avenue, Paterson, New Jersey.
Civil Penalty: $1,500

Kiana Entzminger, Perth Amboy, NJ
Order #13-54312-35, January 29, 2015
Respondent, Kiana Entzminger, submitted false and misleading information on her CURE Insurance Company auto application dated April 13, 2013, by failing to disclose that Paul Wood was the primary operator of the insured Infiniti and that it would not be garaged at the policy address.
Civil Penalty: $1,500

David Genao, Hoboken, NJ
Order #13-53384-35, January 29, 2015
Respondent, David Genao, knowingly misrepresented to IFA Insurance Company, by certifying on January 8, 2013 at 2:15 p.m., that there have been no losses, accidents or circumstances that might give rise to a claim under his insurance policy, from 12:01 a.m. on December 26, 2012 to 2:06 p.m. on January 8, 2013, when in fact, he was involved in an auto accident at 1:12 p.m. on January 8, 2013.
Civil Penalty: $2,500

Dorothy H. Dolan, Maple Shade, NJ
Order #12-53184-45, January 29, 2015
Respondent, Dorothy H. Dolan, knowingly conspired with Carl Catino by preparing invoices and signing receipts for caregiver services between February 22, 2012 and August 21, 2012 that were not rendered, which Carl Catino then submitted to Genworth Financial and received reimbursement under a long term care insurance policy.
Civil Penalty: $2,500

Panagis Antipas, Cherry Hill, NJ
Order #12-53780-27, January 29, 2015
Respondent, Panagis Antipas, knowingly presented a material false statement to Allstate Insurance Company on February 15, 2012, relative to a claim, by reporting a pipe burst in the bathroom, when in fact, the water leak was chronic and over an extended period of time.
Civil Penalty: $3,500

 
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