Fredy Gonzalez, Paterson, NJ
Order #16-52154-35, December 7, 2016
Respondent, Fredy Gonzalez, knowingly concealed relevant information on his MetLife Insurance Company application, signed /dated on November 10, 2011, by failing to disclose various regular operators of the insured vehicles on his policy and by failing to disclose that he did not own four of the seven insured vehicles.
Civil Penalty: $2,500

Veronica Guerrero, Paterson, NJ
Order #15-52359-35, December 7, 2016
Respondent, Veronica Guerrero, knowingly provided false and misleading information to CURE Auto Insurance Company on May 2, 2012, by failing to disclose an operator of her policy vehicles or a licensed household resident on an automobile insurance renewal application questionnaire.
Civil Penalty: $1,500

Rogerio C. Soares, Union, NJ
Order #15-55222-04, December 6, 2016
Respondent, Rogerio C. Soares, knowingly made material misrepresentations to Encompass Property and Casualty Insurance Company regarding Hernani A. Soares' auto property damage claim relative to an October 18, 2015 loss when he presented an oral statement claiming that the damages sustained was the result of the October 18, 2015 loss, when, in fact, they weren't.
Civil Penalty: $2,000

Hernani A. Soares, Union, NJ
Order #15-55222-04, December 6, 2016
Respondent, Hernani A. Soares, knowingly made material misrepresentations to Encompass Property and Casualty Insurance Company regarding an auto property damage claim relative to an October 18, 2015 loss when he presented an oral statement claiming that the damages sustained was the result of the October 18, 2015 loss, when, in fact, they weren't.
Civil Penalty: $3,500

Daniel Song, Maplewood, NJ
Order #15-52960-24, December 19, 2016
Respondent, Daniel Song, did knowingly misrepresent dates of treatment between January 24, 2014 through July 31, 2014, by submitting claims to Optum Behavioral Health for reimbursement when in fact, eligible reimbursable treatment ceased as of January 17, 2014.
Civil Penalty: $7,500

Andre Montgomery, Carteret, NJ
Order #15-50810-35, December 21, 2016
Respondent, Andre Montgomery, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his home; and was not listed as a driver on the insured’s policy with CURE Auto Insurance Company dated February 7, 2011.
Civil Penalty: $1,500

Mark Terhune, Vauxhall, NJ
Order #14-53648-04, December 19, 2016
Respondent, Mark Terhune, did knowingly provide materially false information to GEICO Indemnity Company on October 20, 2014 by claiming he was involved in a loss on that date, when in fact, the loss occurred on October 17, 2014, prior to him adding comprehensive coverage to his policy.
Civil Penalty: $3,500

Jon Roy, Gloucester City, NJ
Order #15-51714-35, December 5, 2016
Respondent, Jon Roy, did provide materially false statements to IFA Insurance Company on June 27, 2014, in obtaining automobile insurance by knowingly failing to disclose a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Robert Tobin, Gloucester City, NJ
Order #15-53872-35, December 7, 2016
Respondent, Robert Tobin, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated November 5, 2014, and on the renewal declaration dated May 6, 2015, by knowingly failing to disclose a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Devin Cooper, Lakehurst, NJ
Order #15-52750-06, December 5, 2016
Respondent, Devin Cooper, did make a materially false statement to Allstate Insurance Company on April 19, 2015, by knowingly submitting false information regarding how the insured vehicle fire occurred.
Civil Penalty: $5,000

Bassam Harb, Toms River, NJ
Order #15-50608-04, December 7, 2016
Respondent, Bassam Harb, did knowingly provide materially false information during a phone call on February 2, 2015 and during an interview on February 13, 2015 with Progressive Garden State Insurance Company, by indicating that he had re-instated his auto policy before a crash occurred, when in fact he had not.  Additionally, this misrepresentation resulted in a third party claim to Progressive Garden State Insurance Company.
Civil Penalty: $3,500

Marjori Murillo, Newark, NJ
Order #15-54577-35, December 23, 2016
Respondent, Marjori Murillo, provided false and misleading information to her carrier National Liability and Fire Insurance by failing to disclose her vehicle being used for commercial use on her auto policy dated August 31, 2015.  National Liability and Fire would not have written the policy because they do not write Commercial Insurance.
Civil Penalty: $1,500

Magdalena Esquivel, Elizabeth, NJ
Order #14-52201-35, December 19, 2016
Respondent, Magdalena Esquivel, knowingly provided materially false statements to IFA Insurance Company in obtaining an automobile insurance policy.  Specifically, respondent failed to disclose a household resident and operator of the 2000 Ford Focus on the application dated December 14, 2012;  failed to disclose a household resident and operator of the 2000 Ford Focus on the undisclosed driver certification dated December 14, 2012; and failed to disclose a household resident and operator of the 2000 Ford Focus on the underwriting questionnaires dated December 14, 2012 and October 9, 2013.
Civil Penalty: $1,500

Emanuel Garcia-Ventura, Paterson, NJ
Order #16-51337-35, December 28, 2016
Respondent, Emanuel Garcia-Ventura, knowingly supplied false and misleading statements on an automobile insurance policy with Progressive Insurance Company dated August 1, 2014, by failing to disclose that his brother was a resident of the policy address and an operator of a policy vehicle.
Civil Penalty: $1,500

Philip S. Genario, East Rutherford, NJ
Order #12-50979-35, December 28, 2016
Respondent, Philip S. Genario, knowingly provided false and misleading information to Hagerty Insurance Company between January 22, 2010 and November 17, 2011, by misrepresenting himself as decedent James Kratzer when renewing and maintaining and automobile insurance policy on a 1967 Chevrolet Camaro.
Civil Penalty: $1,500

Veronica Flores, Bronx, NY
Order #15-53754-31, December 28, 2016
Respondent, Veronica Flores, knowingly provided false and misleading information to CURE Auto Insurance Company on December 20, 2014.  Specifically, Ms. Flores reported on an automobile insurance renewal application questionnaire that she resided and garaged her 2003 Acura in New Jersey, when in fact, she resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Hyacinth Peccoo, Irvington, NJ
Order #16-52027-35, December 28, 2016
Respondent, Hyacinth Peccoo, knowingly provided a material misrepresentation of fact with respect to her policy residence on her Allstate New Jersey automobile application dated May 13, 2015.  Specifically, Ms. Peccoo listed her policy residence as Pequannock, NJ, when in fact her true policy residence was Irvington, NJ.
Civil Penalty: $2,500

Michael P. Repka, Whitehouse Station, NJ
Order #15-52950-35, December 28, 2016
Respondent, Michael P. Repka, did provide a materially false statement to IFA Insurance Company in obtaining an automobile insurance policy dated February 7, 2015, by knowingly failing to disclose that he was a resident in the household and a regular operator of the vehicles on the policy.
Civil Penalty: $1,500

Russell Repka, Whitehouse Station, NJ
Order #15-52950-35, December 28, 2016
Respondent, Russell Repka, did provide a materially false statement to IFA Insurance Company in obtaining an automobile insurance policy dated February 7, 2015, by knowingly failing to disclose his son was a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Stella Segovia, Haledon, NJ
Order #15-51590-35, November 28, 2016
Respondent, Stella Segovia, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by failing to disclose a licensed household operator on a New Jersey Re-Insurance Company renewal questionnaire dated May 3, 2012 and on an eligibility questionnaire dated May 10, 2012.
Civil Penalty: $1,500

Joseph Calabretta, Riverdale, NJ
Order #14-51393-03, November 28, 2016
Respondent, Joseph Calabretta, knowingly provided false and misleading information to State Farm Insurance Company pursuant to an auto theft claim reported on July 16, 2013.  Specifically, Mr. Calabretta fraudulently reported that his 2008 Infiniti policy vehicle was stolen when in fact it was not stolen.
Civil Penalty: $4,000

Chad Larsen, Smyrna, GA
Order #12-54038-04, November 28, 2016
Respondent, Chad Larsen, knowingly provided false and misleading information to New Jersey Manufacturers Personal Auto Insurance for an automobile accident that occurred on April 7, 2012.  Specifically, he stated that his vehicle was involved in a hit and run while parked in a Burger King parking lot, when he actually hit another vehicle and left the scene.
Civil Penalty: $3,500

Dilenia Alcequiez, Elmwood, NJ
Order #16-50773-35, November 28, 2016
Respondent, Dilenia Alcequiez, knowingly provided false and misleading information to Farmers Insurance Company on February 20, 2015 by failing to list a licensed household resident on an application for automobile insurance.
Civil Penalty: $1,500

Myka J. Jones, Dover, NJ
Order #14-50026-04, November 28, 2016
Respondent, Myka J. Jones, on December 7, 2013 knowingly provided a false and misleading statement on an automobile insurance claim with Progressive Garden State Insurance Company, specifically, reporting that his 1999 Chrysler was struck by a hit-and- run vehicle, when in fact, he had been involved in a motor vehicle accident.
Civil Penalty: $2,500

Cruz Campos-Alfaro, Newark, NJ
Order #14-53443-03, November 28, 2016
Respondent, Cruz Campos-Alfaro, knowingly provided false and misleading information to Progressive Insurance Company in pursuance of an auto theft claim.  Specifically, Mr. Campos-Alfaro reported that his 2008 Honda Civic policy vehicle was stolen on or about August 23, 2014 in Newark, NJ, when in fact, he subsequently admitted that his vehicle was never stolen.
Civil Penalty: $3,500

Pedro Suarez, Jr., Paterson, NJ
Order #12-53958-04, November 28, 2016
Respondent, Pedro Suarez, Jr., knowingly conspired with I & A Auto Body Specialist, Inc., to provide false and misleading information to Erie Insurance Company.  Specifically, by submitting pictures of damage to his vehicle from an earlier accident and an invoice with a changed date of service.
Civil Penalty: $3,000

Margarita Lopez, Passaic, NJ
Order #15-50901-35, November 28, 2016
Respondent, Margarita Lopez, knowingly provided false and misleading information by submitting a statement of no loss dated December 15, 2014 to Drive New Jersey Insurance Company (Progressive).  Specifically, by certifying that there had been no losses, accidents or circumstances that may have resulted in a claim from December 10, 2014 to December 15, 2014 when there was an accident on December 13, 2014 involving the insured vehicle.
Civil Penalty: $3,500

Josefa Rodriguez-Sepulveda, Paterson, NJ
Order #15-51619-35, November 28, 2016
Respondent, Josefa-Rodriguez-Sepulveda, knowingly provided false and misleading information to Drive New Jersey Insurance Company on an automobile application dated December 12, 2014, specifically, by failing to list a household resident driver.
Civil Penalty: $1,500

Luis Guevara, Paterson, NJ
Order #15-53950-35, November 28, 2016
Respondent, Luis Guevara, prepared an automobile application with CURE Auto Insurance Company which knowingly contained false and misleading information, specifically, failing to list all licensed household drivers on his auto application dated February 5, 2014, and then on an amended declaration to his policy dated December 9, 2014.
Civil Penalty: $1,500

Patricia Higa, Lodi, NJ
Order #15-53583-35, November 28, 2016
Respondent, Patricia Higa, knowingly provided false and misleading information to Progressive Insurance Company by failing to list a household resident on an auto application dated March 15, 2011, and a licensed household resident on subsequent renewals in 2012, 2013, 2014 and 2015.
Civil Penalty: $1,500

Mable Hines, Newark, NJ
Order #15-55208-35, November 28, 2016
Respondent, Mable Hines, knowingly failed to disclose of an additional household resident and regular operator of the policy vehicles on an application for an auto insurance dated March 31, 2015.
Civil Penalty: $2,500

Francis Nedza, Avon By The Sea, NJ
Order #14-53456-10, November 28, 2016
Respondent, Francis Nedza, knowingly made material misrepresentation and submitted fictitious receipts to Narragansett Bay Insurance Company in support of his homeowner's property damage claim for an October 29, 2012 loss.
Civil Penalty: $3,500

Lawanda Henry, Newark, NJ
Order #15-50165-03, November 28, 2016
Respondent, Lawanda Henry, knowingly failed to disclose an additional household resident on her Plymouth Rock Assurance Insurance Company auto application dated July 18, 2014.
Civil Penalty: $1,500

Carmelo Sciandra, Morganville, NJ
Order #16-50303-39, November 28, 2016
Respondent, Carmelo Sciandra, did knowingly provide false information to Prudential Life Insurance Company by failing to disclose his criminal history on two applications for life insurance dated May 6, 2015 and September 10, 2015.
Civil Penalty: $5,000

John Meiman, Seaside Heights, NJ
Order #15-51996-39, November 28, 2016
Respondent, John Meiman, did knowingly provide materially false information on Part 2 of the life insurance application, Paramedical, with AXA Equitable Life Insurance Company on June 29, 2014, by failing to disclose his complete medical history.
Civil Penalty: $1,500

Robert J. McKernan, Ocean City, NJ
Order #15-54202-35, November 28, 2016
Respondent, Robert J. McKernan, did knowingly provide a materially false statement to CURE Auto Insurance Company on June 5, 2015, by failing to disclose that a policy vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Tara L. Martinelli, Lewisville, TX
Order #15-50800-35, November 28, 2016
Respondent, Tara L. Martinelli, did provide a materially false statement to CURE Auto Insurance Company in adding a vehicle and changing the policy address on an automobile insurance policy dated October 4, 2012, by knowingly failing to disclose that another individual was a household resident and operator of an insured vehicle.
Civil Penalty: $1,500

Gabriela Moreno-Leon, East Brunswick, NJ
Order #15-51160-35, November 28, 2016
Respondent, Gabriela Moreno-Leon, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated March 1, 2013, and a renewal declaration dated December 16, 2013, by knowingly failing to disclose additional residents in the household and operators of vehicles registered to her.
Civil Penalty: $1,500

Callie M. Morrow, Salem, NJ
Order #15-52224-34, November 28, 2016
Respondent, Callie M. Morrow, did knowingly provide a false statement to Combined Insurance Company of America on an accident and sickness policy application on April 25, 2013, by answering "no" to the sickness protector, sickness and accident protector qualification question, concerning advice or treatment for diabetes within the last five (5) years, when in fact, she was diagnosed and has been treated since September 2010.
Civil Penalty: $1,500

Denise White-Williams, Maplewood, NJ
Order #14-50684-04, October 7, 2016
Respondent, Denise White-Williams, knowingly provided false and misleading information on her automobile application with Esurance Insurance Company dated October 5, 2013.  Specifically, the respondent failed to list that the 2005 Dodge Ram vehicle was being used for commercial use.
Civil Penalty: $2,500

Ahmad Sendawy, Garfield, NJ
Order #15-54082-35, October 7, 2016
Respondent, Ahmad Sendawy, did knowingly provide false and misleading information to Progressive Insurance Company on August 13, 2015, by failing to disclose a licensed resident operator on his automobile insurance application.
Civil Penalty: $1,500

Deborah Talley, Ridgefield Park, NJ
Order #15-53953-35, October 7, 2016
Respondent, Deborah Talley, knowingly provided false and misleading information to CURE Auto Insurance Company by failing to disclose a licensed regular operator of her policy vehicle on an application for automobile insurance dated July 31, 2015, and again during two (2) recorded policy calls on July 31, 2015 and August 19, 2015.
Civil Penalty: $1,500

Peter Mancuso, Nutley, NJ
Order #13-51192-34, October 27, 2016
Respondent, Peter Mancuso, knowingly provided false and misleading information to Asurion Protection Services between December 2009 and August 2013.  Specifically, Mr. Mancuso submitted insurance claims reporting that several purchased cellphones from various carriers had been lost or stolen, when in fact, the cellphones had not been lost or stolen.  Mr. Mancuso then received replacement cellphones and falsely reported that they also had been stolen, which allowed him to obtain additional replacement cellphones.
Civil Penalty: $15,000

Karen Moore, Teaneck, NJ
Order #15-52695-35, October 27, 2016
Respondent, Karen Moore, knowingly provided false and misleading information to Progressive Garden State Insurance Company on April 23, 2011, by failing to list a household resident on an application for automobile insurance.
Civil Penalty: $1,500

Rosilia Prophete, Pine Brook, NJ
Order #15-53871-35, October 27, 2016
Respondent, Rosilia Prophete, knowingly provided false and misleading statements on an application for automobile insurance with Drive New Jersey dated June 3, 2013, specifically, by failing to disclose a licensed household resident and regular operator of the policy vehicles.
Civil Penalty: $1,500

Victoria Gjokaj, Franklin Lakes, NJ
Order #15-51991-35, October 27, 2016
Respondent, Victoria Gjokaj, knowingly gave false and misleading information to IFA Insurance Company on policy amendments dated May 11, 2012 and January 24, 2014.  Specifically, she stated that there were no additional licensed household drivers, when in fact, her sister is a resident relative.
Civil Penalty: $1,500

Griselda Vargas, Clifton, NJ
Order #14-53229-35, October 27, 2016
Respondent, Griselda Vargas, did knowingly provide a false and misleading statement on an automobile insurance application with Progressive Insurance Company on April 15, 2009 by failing to disclose a licensed household resident.  Griselda Vargas also added a vehicle to the policy on March 16, 2013 that was registered and titled to the undisclosed licensed household resident.
Civil Penalty: $1,500

James Graber, Hopatcong, NJ
Order #16-51356-35, October 27, 2016
Respondent, James Graber, knowingly provided false and misleading information to Progressive Garden State Insurance Company while completing an online automobile application dated October 28, 2015.  Specifically, he failed to disclose a household resident driver.
Civil Penalty: $1,500

Yevgeny Kovalerchik, Lake Hiawatha, NJ
Order #16-50975-10, October 7, 2016
Respondent, Yevgeny Kovalerchik, knowingly provided false and misleading statements on a homeowners claim to Homesite Insurance Company dated July 6, 2015.  Specifically, by submitting fraudulent invoices to receive recoverable depreciation for a claim.
Civil Penalty: $3,000

Floyd Schneider, Fredon, NJ
Order #16-51117-35, October 31, 2016
Respondent, Floyd Schneider, knowingly provided false and misleading information to Progressive Insurance on an automobile application dated December 30, 2013, and on all subsequent policy declarations through June 30, 2016.  Specifically, Mr. Schneider failed to list an additional resident driver.
Civil Penalty: $1,500

Amanda Kimmerle, Bayville, NJ
Order #16-51669-35, October 12, 2016
Respondent, Amanda Kimmerle, knowingly provided false and misleading statements to New Jersey CURE Auto Insurance Company on September 4, 2015.  Specifically, Amanda Kimmerle failed to disclose an additional operator and the garaging location of the vehicle.
Civil Penalty: $1,500

Andrea Patterson, North Plainfield, NJ
Order #16-50403-35, October 12, 2016
Respondent, Andrea Patterson, when completing her application for coverage on November 20, 2015 with Progressive Garden State Insurance Company, knowingly failed to disclose her daughter as a policy resident operator.
Civil Penalty: $1,500

Esmeralda Valdez, Perth Amboy, NJ
Order #15-50416-05, October 12, 2016
Respondent, Esmeralda Valdez, knowingly provided false and misleading information to the Metropolitan Property and Casualty Insurance Company material to a PIP claim relating to a January 31, 2014, date of loss.  Specifically, Esmeralda Valdez submitted false information that she was injured from a motor vehicle accident when in fact she was not.Civil Penalty: $5,000

Alnisha McGriff, Newark, NJ
Order #16-50810-35, October 7, 2016
Respondent, Alnisha McGriff, when adding a 2001 Ford to her CURE Auto Insurance policy on September 12, 2013, knowingly failed to disclose the individual that would be this vehicle's regular operator.  Respondent also knowingly failed to disclose the regular operator of the covered 2001 Ford when completing and signing the policy renewal questionnaire on March 28, 2014.
Civil Penalty: $1,500

Jeannie Torres, Red Bank, NJ
Order #15-55083-35, October 7, 2016
Respondent, Jeannie Torres, when applying for coverage with Allstate Insurance Company on August 26, 2015, knowingly failed to disclose a licensed policy household resident operator of the covered 2009 Honda and a licensed policy household operator of the covered 2011 Hyundai.
Civil Penalty: $1,500

Gennaro Coppola, Columbia, NJ
Order #15-52781-35, October 13, 2016
Respondent, Gennaro Coppola, knowingly provided false and misleading information to Progressive Garden State Insurance by failing to disclose an additional driver and household resident on his auto policy application dated October 14, 2011.
Civil Penalty: $1,500

Annette Smith, Newark, NJ
Order #15-51977-35, October 13, 2016
Respondent, Annette Smith, knowingly provided false and misleading information to Progressive Insurance by failing to disclose her daughter as an additional driver on her auto policy dated March 4, 2015.
Civil Penalty: $1,500

Sandra Perez, Elizabeth, NJ
Order #16-51683-35, October 24, 2016
Respondent, Sandra Perez, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on her January 20, 2014 and January 20, 2015 renewal questionnaires for auto insurance, by failing to disclose household members and operators of the policy vehicles, specifically her daughter.
Civil Penalty: $1,500

Davon Porter, Kendall Park, NJ
Order #15-54245-35, October 24, 2016
Respondent, Davon Porter, knowingly provided false and misleading information to Personal Service Insurance on his July 20, 2015 application for auto insurance.  Specifically, Davon Porter failed to disclose that he had been involved in a motor vehicle accident just prior to applying for insurance.
Civil Penalty: $2,500

Patricia J. Dominguez, Newark, NJ
Order #16-51135-35, October 24, 2016
Respondent, Patricia J. Dominguez, knowingly failed to disclose a licensed household resident on her application for automobile insurance with Progressive Garden State Insurance Company dated June 29, 2011.
Civil Penalty: $1,500

Daniel Berkey, Mount Holly, NJ
Order #15-52789-04, October 13, 2016
Respondent, Daniel Berkey, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on May 19, 2005 at 7:18 p.m., by indicating that he did not have a loss during the policy lapse period, when in fact he was involved in an accident on May 19, 2015 at 4:56 p.m.  Additionally, this misrepresentation also resulted in a third party claim paid to the other operator by Progressive Insurance Company.
Civil Penalty: $2,500

Danielle Rosenblatt, Pine Hill, NJ
Order #15-51850-35, October 13, 2016
Respondent, Danielle Thompson, did provide a materially false statement to New Jersey Manufacturers Insurance Company on her January 29, 2013 application and renewal questionnaire dated December 25, 2013, by knowingly failing to disclose that another individual was a resident in her household and had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Frances M. Sexton, Point Pleasant, NJ
Order #16-50542-39, October 20, 2016
Respondent, Frances M. Sexton, did knowingly provide material false information on a medical history questionnaire dated November 3, 2015 with Northwestern Mutual Life Insurance Company.
Civil Penalty: $1,500

Marvin Reyes, New Brunswick, NJ
Order #15-50644-35, October 7, 2016
Respondent, Marvin Reyes, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver or co-owner on the insured's application for insurance with CURE Auto Insurance Company completed on May 31, 2014.
Civil Penalty: $1,500

Cherish Payne, Franklin Park, NJ
Order #16-50093-35, October 7, 2016
Respondent, Cherish Payne, when applying for coverage on September 8, 2015, knowingly failed to disclose to CURE Auto Insurance Company a policy household resident with suspended driving privileges and that the 2006 BMW would be garaged at a location other than the policy address.
Civil Penalty: $1,500

Michael Fusco, Staten Island, NY
Order # 14-50454-35, September 16, 2016
Respondent, Michael Fusco, knowingly submitted false and misleading information on several annuity applications on various dates to Allianz Insurance Company.  Specifically, Michael Fusco 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

Sandra Bermudez, Jersey City, NJ
Order #14-52821-35, September 29, 2016
Respondent, Sandra Bermudez, knowingly provided false and misleading statements to IFA Insurance Company on an automobile insurance application dated May 27, 2011, and on an undisclosed driver certification form dated March 13, 2012, by failing to list a licensed household resident.
Civil Penalty: $1,500

Anjole King, Orange, NJ
Order #15-52559-35, September 29, 2016
Respondent, Anjole King, knowingly made false and misleading statements to Progressive Insurance Company dated June 10, 2015.  Specifically, she stated that she was not involved in any losses between June 2, 2015 to June 10, 2015, when in fact her vehicle was involved in an accident on June 10, 2015 at 9:24 a.m.
Civil Penalty: $2,500

Sandra Harris, Teaneck, NJ
Order #13-54938-35, September 29, 2016
Respondent, Sandra Harris, on April 26, 2013, knowingly provided a false and misleading statement on an automobile insurance application with Progressive Insurance Company, specifically, failing to list a licensed household resident driver.
Civil Penalty: $1,500

Amelia O. Ambrose, Pine Brook, NJ
Order #15-50026-35, September 29, 2016
Respondent, Amelia O. Ambrose, provided false and misleading information to CURE Auto Insurance Company on March 9, 2012, by failing to disclose a licensed household operator on an application for automobile insurance and again on November 14, 2014, during a recorded statement.
Civil Penalty: $1,500

Tiana Robinson, Paterson, NJ
Order #14-51221-04, September 29, 2016
Respondent, Tiana Robinson, knowingly submitted false and misleading information pursuing an auto property damage claim with New Jersey Manufacturers Insurance Company on March 17, 2013.  Specifically, she made misrepresentations when she stated that her vehicle was damaged in a hit and run in Paterson, when in fact she hit another vehicle in Passaic City.
Civil Penalty: $5,000

Lawanna McMillon, Newark, NJ
Order #14-53376-35, September 23, 2016
Respondent, Lawanna McMillon, knowingly gave false and misleading information to Metropolitan Property and Casualty Insurance Company on an auto application renewal dated January 7, 2014.  Specifically, she failed to disclose an additional resident driver.
Civil Penalty: $1,500

Fouad Kabariti (aka) David Kab, Brooklyn, NY
Order #15-52805-04, September 23, 2016
Respondent, Fouad Kabariti (aka) David Kab, knowingly provided false and misleading statements on an auto property claim with Allstate Insurance Company dated May 20, 2015, specifically, by indicating that his vehicle was damaged in a hit-and-run accident on May 19, 2015, when in fact, the damage to the vehicle occurred prior to the date of the accident and was not caused by a hit and run.
Civil Penalty: $2,500

David Martinez, Parsippany, NJ
Order #14-53017-10, September 16, 2016
Respondent, David Martinez, owner of D&D Flooring, knowingly provided a fraudulent receipt dated October 26, 2011, to Domenico Prisco, indicating that D&D Flooring repaired the floors in Mr. Prisco's residence, when in fact, the repairs were never completed.
Civil Penalty: $2,500

Hipolito Ovalles, Bayonne, NJ
Order #14-51840-35, September 16, 2016
Respondent, Hipolito Ovalles, knowingly provided false and misleading statements to Farm Family Casualty Insurance Company on January 24, 2013, and to National Liability Insurance Company on January 24, 2014, specifically, failing to disclose that he was using his 2002 Chevrolet Astro Van for commercial purposes.
Civil Penalty: $2,500

Maria Barreto, Rockaway, NJ
Order #13-54408-35, September 12, 2016
Respondent, Maria Barreto, knowingly failed to disclose to State Farm Insurance Company, when adding a 2002 Honda Accord to her automobile policy on May 3, 2012, that the vehicle would be regularly operated by a non-resident relative and garaged at an address other that the policy address.
Civil Penalty: $1,500

Paola Flores, Paterson, NJ
Order #16-50765-35, September 16, 2016
Respondent, Paola Flores, knowingly concealed relevant information on her New Jersey Manufacturers automobile insurance application dated March 8, 2010 and signed on April 13, 2010, and on subsequent renewals dated 2011 through 2013, by failing to disclose her boyfriend, who is a regular operator of her insured vehicle.
Civil Penalty: $1,500

Rocio Vasquez, Clifton, NJ
Order #15-54022-35, September 6, 2016
Respondent, Rocio Vasquez, knowingly supplied false and misleading statements on an automobile insurance policy with Metropolitan Property and Casualty Insurance Company (MetLife) dated February 27, 2015, by failing to disclose that her boyfriend was a resident of the policy address and an operator of a policy vehicle.
Civil Penalty: $1,500

Mohammad Alkhudairi, Paterson, NJ
Order #15-54035-35, September 6, 2016
Respondent, Mohammad Alkhudairi, knowingly submitted false and misleading information to Progressive Insurance Company.  The subject failed to disclose a licensed resident operator on his automobile insurance policy application dated October 17, 2014.  He also failed to disclose the licensed operator when he added a vehicle to his policy on September 19, 2015.
Civil Penalty: $1,500

Shannon M. Keyes, DMD, Forked River, NJ
Order #15-51653-44, September 6, 2016
Respondent, Shannon M. Keyes, DMD, did knowingly provide materially false claims information to Delta Dental of NJ between January 2009 through December 2013, in order to gain a greater financial reimbursement by altering the dates of service in which patients received x-rays.
Civil Penalty: $7,500

Silvina Lara, Linden, NJ
Order #13-54218-35, September 13, 2016
Respondent, Silvina Lara, knowingly provided false and misleading statements to CURE Auto Insurance Company on a renewal application dated July 8, 2013.  Specifically, respondent failed to disclose that a policy vehicle was operated by an undisclosed operator and the vehicle was not garaged at the policy address.
Civil Penalty: $1,500

Shansey Abernathy, Linden, NJ
Order #15-51695-35, September 20, 2016
Respondent, Shansey Abernathy, knowingly provided false and misleading information to Drive New Jersey Insurance Company on his January 29, 2015, application for auto insurance, by failing to disclose the true owner of the insured vehicle and the true operator of the insured vehicle.
Civil Penalty: $1,500

Helen Powell, Brick, NJ
Order #15-53942-35, September 23, 2016
Respondent, Helen Powell, knowingly provided false and misleading statements to CURE Auto Insurance Company on January 17, 2015, by failing to list the primary operator of a 1999 Mercedes Benz CLK320 and providing a false primary garaging location.
Civil Penalty: $1,500

Frank J. Spano, Monroe Twp., NJ
Order #15-50706-36, September 6, 2016
Respondent, Frank J. Spano, did knowingly provide materially false information on a Horizon Blue Cross/Blue Shield health insurance enrollment form dated January 1, 2010, by stating he was an employee of Data Access Datapatch, when in fact, he was never employed with that company.  Said health insurance coverage was active through December 2014.
Civil Penalty: $5,000

Leia Ferreira, Delran, NJ
Order #13-50881-10, September 29, 2016
Respondent, Leia Ferreira, did knowingly provide materially false information to Travelers Insurance Company on November 26, 2012, specifically by submitting a claim for damages as a result of Hurricane Sandy, when in fact, the damages were pre-existing.
Civil Penalty: $5,000

Michele W. Wright, Ewing, NJ
Order #15-50488-35, September 29, 2016
Respondent, Michele W. Wright, did provide a materially false statement to New Jersey Manufacturers Insurance Company on March 5, 2013, when adding another vehicle to her policy, and on a subsequent renewal questionnaire dated December 5, 2013, by knowingly failing to disclose that another individual was a driver of an insured vehicle and garaged it at a location other than the policy address.
Civil Penalty: $1,500

Damein R. Wormley, Ewing, NJ
Order #15-50488-35, September 29, 2016
Respondent, Damein R. Wormley, did knowingly conspire with another, in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged same at his residence; and was not listed as a driver on an automobile policy with New Jersey Manufacturers Insurance Company.
Civil Penalty: $1,500

Fletcher Jordan, Haledon, NJ
Order #15-54881-35, August 8, 2016
Respondent, Fletcher Jordan, knowingly provided false and misleading information on a statement of no loss to Drive New Jersey Insurance Company on November 19, 2015, specifically, by stating that neither he nor his insured vehicles were involved in any losses between October 20, 2015 and November 19, 2015, when in fact his insured vehicle was in an accident on November 9, 2015.
Civil Penalty: $1,500

Bernard Saint Jean, Brooklyn, NY
Order #13-54975-35, August 8, 2016
Respondent, Bernard Saint Jean, knowingly gave false and misleading information to CURE Auto Insurance Company on several renewal application questionnaires dated from 2008 until 2012.  Specifically, that he resided in New Jersey, when in fact he was residing and garaging his vehicle in Brooklyn, NY.
Civil Penalty: $2,500

Asad Riaz, Mahwah, NJ
Order #15-52375-10, August 8, 2016
Respondent, Asad Riaz, knowingly provided false and misleading information to Homesite Insurance Company on June 9, 2015, by submitting a homeowner's claim with a fictitious date of loss.  Specifically, Mr. Asad Riaz obtained a policy on June 8, 2015, and then falsely reported that his residence sustained water damage on the same date, when in fact, the damage had occurred prior to the policy inception.
Civil Penalty: $5,000

Dritan Agolli, Lodi, NJ
Order #14-53811-35, August 8, 2016
Respondent, Dritan Agolli, knowingly made a false statement to an agent for Progressive Insurance Company on February 25, 2014, by failing to list himself as a regular operator of three vehicles owned by him, on his Progressive vehicle insurance policy.
Civil Penalty: $1,500

Edgar Pelaez-Ruiz, Pleasantville, NJ
Order #14-53169-35, August 8, 2016
Respondent, Edgar Pelaez-Ruiz, did provide a materially false statement to CURE Auto Insurance Company on May 1, 2014, in obtaining automobile insurance, by knowingly failing to disclose an additional resident in the household who had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Luz Salinas, Union City, NJ
Order #13-54927-33, August 8, 2016
Respondent, Luz Salinas, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company while she was receiving permanent total disability benefits.  Specifically, Ms. Salinas indicated on New Jersey Manufacturers renewal questionnaires from 2005 until 2011 that she was not employed, when in fact, she acknowledged that she was intermittently employed for a few of the years.
Civil Penalty: $2,500

Arif Tas, Paterson, NJ
Order #15-53746-35, August 12, 2016
Respondent, Arif Tas, knowingly provided false and misleading information to Progressive Insurance Company on an auto insurance policy dated October 14, 2014, and on a policy renewal dated March 3, 2015, in that he failed to list household residents and operators of his Progressive Insurance Company insured vehicles.
Civil Penalty: $1,500

Maribel Navarro, Clifton, NJ
Order #15-53573-35, August 12, 2016
Respondent, Maribel Navarro, knowingly provided false and misleading information to Progressive Insurance Company on an automobile application dated July 23, 2015.  Specifically, all household members were not listed on the policy application.
Civil Penalty: $1,500

Antonio Gomez, Passaic, NJ
Order #15-54740-35, August 17, 2016
Respondent, Antonio Gomez, knowingly gave false and misleading statements on his automobile insurance application to Progressive Insurance Company on June 7, 2012, and on all subsequent renewals through December 2015, when he failed to list all household residents.
Civil Penalty: $1,500

Ani Kherlopian, Mahwah, NJ
Order #15-52604-04, August 25, 2016
Respondent, Ani Kherlopian, knowingly provided false and misleading information to Progressive Garden State Insurance Company while pursuing an auto property damage claim.  Ms. Kherlopian attempted to change the deductible from $750 to $500, as well as adding rental coverage to the policy.  Specifically, she requested the change to her policy on April 20, 2015, at 4:06 p.m. and advised that the incident occurred at 4:38 p.m., when in fact, the loss occurred at 1:25 p.m.
Civil Penalty: $1,500

Katherine A. Carr, Hearing, NJ
Order #14-50930-35, February 25, 2016
Respondent, Katherine A. Carr, submitted false and misleading information in support of a claim to Progressive Insurance Company.  Specifically, Ms. Carr claimed that her auto accident occurred on February 26, 2014 at 7 p.m. Eastern Time, after she received coverage at 6:53 p.m. Eastern Time, via the internet.  However, the accident actually occurred on February 26, 2014 at 18:48 (6:48 p.m.) according to the State Police report, which is before the coverage was effective.
Civil Penalty: $1,500

Evelyn Nunez, Jersey City, NJ
Order #15-53440-38, August 25, 2016
Respondent, Evelyn Nunez, knowingly provided false and misleading information on a Progressive Insurance Company commercial auto insurance application dated November 7, 2014; specifically, failing to list a household licensed driver.
Civil Penalty: $1,500

Sade Criss, East Orange, NJ
Order #15-53936-35, August 25, 2016
Respondent, Sade Criss, knowingly provided false and misleading information to CURE Auto Insurance Company on an automobile insurance policy application dated May 30, 2015, by failing to list a licensed operator and household resident.
Civil Penalty: $1,500

Shailesh Patel, Edison, NJ
Order #15-53222-35, August 22, 2016
Respondent, Shailesh Patel, knowingly provided false and misleading information to Progressive Garden State Insurance by failing to disclose his son-in-law, who is a household resident, as an additional driver on his auto policy dated April 21, 2015.
Civil Penalty: $1,500

Wally Perdomo, Bayonne, NJ
Order #15-52295-35, August 25, 2016
Respondent, Wally Perdomo, made a false statement on his auto application to CURE Auto Insurance on March 4, 2015, when he stated that there were no other drivers of the policy vehicle and no other household residents when, in fact, his brother was driving the 2013 Toyota regularly.
Civil Penalty: $1,500

Ziomara Duran, Elizabeth, NJ
Order #14-51724-35, August 25, 2016
Respondent, Ziomara Duran, did knowingly provide false and misleading information to CURE Auto Insurance Company by not disclosing a household member and operator of her insured vehicle on a policy renewal questionnaire signed and dated on April 30, 2013.
Civil Penalty: $1,500

Davis J. Amedu, Sayreville, NJ
Order #15-51421-04, August 29, 2016
Respondent, Davis J. Amedu, knowingly submitted false and misleading information to New Jersey Manufacturers Insurance Company (NJM) material to a claim relating to a June 6, 2014 date of loss.  Specifically, Mr. Amedu submitted false information in an attempt to receive monetary compensation for medical bills and the repair of his 2001 Mercedes Benz when, in fact, he reported to the police and NJM that he was operating a 1998 Mercedes Benz that he no longer owned.
Civil Penalty: $2,500

Benjamin Cole, Elmer, NJ
Order #16-50473-39, August 12, 2016
Respondent, Benjamin Cole, did knowingly provide false medical history information to Northwestern Mutual Life Insurance Company on an application for life insurance on November 9, 2015.
Civil Penalty: $1,500

Angela Silipigni, Egg Harbor City, NJ
Order #15-54638-35, August 8, 2016
Respondent, Angela Silipigni, in obtaining automobile insurance did knowingly provide a materially false statement to CURE Auto Insurance Company on April 23, 2015, by failing to disclose another individual was the primary operator of an insured vehicle which was garaged at a location other than the policy address.
Civil Penalty: $1,500

Fred A. Balcom, Waretown, NJ
Order #14-51735-35, August 17, 2016
Respondent, Fred A. Balcom, conspired with another individual in obtaining automobile insurance and as a result, he benefited from the April 6, 2013 GEICO Insurance Company policy whereby he otherwise would not have been eligible for automobile insurance.  Specifically, Mr. Balcom knowingly had possession of the GEICO insured vehicles, directed undisclosed individuals to operate those vehicles for his business' use, and garaged said vehicles at a location other than the policy address.
Civil Penalty: $3,500

John M. Campbell, Pompano, FL
Order #12-52336-34, August 18, 2016
Respondent, John M. Campbell, did knowingly provide false written and oral statements in support of a claim for payment under his student personal property insurance policy with Harleysville Insurance, a subsidiary of Nationwide Insurance Company, for the purported theft of personal items from his vehicle on February 24, 2012.
Civil Penalty: $5,000

Joanne B. Kalish, MD, Sacramento, CA
Order #14-51630-24, August 25, 2016
Respondent, Joanne B. Kalish, MD, did misrepresent the level of services rendered when she submitted claims for office visits under high level CPT codes to Aetna Insurance Company and Horizon Blue Cross/Blue Shield of New Jersey when the services actually rendered should have been billed at a lower level office visit which resulted in her receiving a higher reimbursement from the carriers.
Civil Penalty: $5,000

Danesha Siriani, Pemberton, NJ
Order #15-51403-35, August 25, 2016
Respondent, Danesha Siriani, did knowingly provide a materially false statement to CURE Auto Insurance Company on February 25, 2015, by failing to disclose that an undisclosed driver was the primary driver of the 2003 Cadillac listed on the policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Cindy Moreno, North Plainfield, NJ
Order #15-51251-35, August 22, 2016
Respondent, Cindy Moreno, when applying for coverage with Progressive Insurance Company on November 20, 2014, knowingly failed to disclose a licensed policy household resident operator.
Civil Penalty: $1,500

Ruth Smith, Fort Lee, NJ
Order #14-50257-35, July 9, 2016
Respondent, Ruth Smith, knowingly provided false and misleading statements to Allstate Insurance Company on an automobile insurance application dated May 23, 2009, as well as on a correct classification form dated May 10, 2013.  Specifically, the respondent did not properly disclose her household members and regular vehicle operators.
Civil Penalty: $1,500

Dorothy R. Barredo, Jersey City, NJ
Order #14-51227-35, July 14, 2016
Respondent, Dorothy R. Barredo, gave false and misleading information on December 19, 2012 to Allstate New Jersey Property and Casualty Insurance Company.  Specifically, she failed to disclose an additional resident driver on her auto application.
Civil Penalty: $1,500

Arben Kasalla, Edgewater, NJ
Order #15-52308-04, July 27, 2016
Respondent, Arben Kasalla, knowingly provided a false and misleading document on an auto property damage claim with New Jersey Manufacturers Insurance Company dated October 22, 2014.  Specifically, the respondent submitted a rental receipt for reimbursement from Budget Rent A Car for 14 days, when in fact, the vehicle was only rented for one day.
Civil Penalty: $2,500

Donna Delvecchio, Columbia, NJ
Order #13-50737-04, July 27, 2016
Respondent, Donna Delvecchio, knowingly provided false and misleading information to Travelers Insurance Company on a homeowner's claim dated June 11, 2012; specifically, by submitting a proposal which indicated that work was completed and paid in full, when in fact, it was not.
Civil Penalty: $3,500

Anthony Chacon, Lake Hiawatha, NJ
Order #16-50133-35, July 27, 2016
Respondent, Anthony Chacon, provided false and misleading information to National General Insurance Company on an automobile Insurance application dated October 19, 2012, by failing to list all household residents on the application.
Civil Penalty: $1,500

Clarimar Ramos, Somerset, NJ
Order #16-50739-35, July 1, 2016
Respondent, Clarimar Ramos, did knowingly fail to disclose a household resident and licensed driver on renewal questionnaires dated January 22, 2013, January 22, 2014 and January 22, 2015.
Civil Penalty: $1,500

Carlos Shamburger, Newark, NJ
Order #13-52794-35, July 12, 2016
Respondent, Carlos Shamburger, knowingly provided false and misleading information to CURE Auto Insurance Company by not disclosing a household resident and driver of his insured vehicle on a policy application dated March 2, 2013.
Civil Penalty: $1,500

Oscar Cornejo, Scotch Plains, NJ
Order #15-51888-35, July 27, 2016
Respondent, Oscar Cornejo, knowingly provided false and misleading information to Progressive Insurance Company on his October 27, 2013 application for auto insurance, by failing to disclose household members and/or operators of the insured vehicles.
Civil Penalty: $1,500

Latanya Jeffries, Newark, NJ
Order #15-52207-35, July 18, 2016
Respondent, Latanya Jeffries, knowingly provided false and misleading information to CURE Auto Insurance Company on her August 19, 2013 application and her May 30, 2013, renewal application questionnaire for auto insurance, by failing to disclose household members and operators of the insured vehicles.
Civil Penalty: $1,500

Anthony Gallego, Elizabeth, NJ
Order #14-50352-35, July 27, 2016
Respondent, Anthony Gallego, knowingly provided false and misleading information to Progressive Garden State Insurance Company on December 1, 2013.  Specifically, Anthony Gallego reported that his 1999 BMW 328 was involved in a loss on November 28, 2013 at 5 p.m. when, in fact, the loss occurred on November 27, 2013 at 2:53 p.m.
Civil Penalty: $2,500

Isabel Barbosa, Union, NJ
Order #15-50822-35, July 20, 2016
Respondent, Isabel Barbosa, knowingly failed to disclose to Progressive Insurance Company on her statement of no noss given on December 29, 2014 at 1:27 p.m. that her vehicle was involved in motor vehicle accident early in the day at 9:33 a.m.
Civil Penalty: $1,500

Vanessa U. Wesley, Carteret, NJ
Order #16-50963-35, July 18, 2016
Respondent, Vanessa U. Wesley, knowingly failed to disclose a licensed household resident on her application for automobile insurance with Progressive Garden State Insurance Company dated November 2, 2014.
Civil Penalty: $1,500

Laura Ortiz, Jackson, NJ
Order #15-51395-35, July 9, 2016
Respondent, Laura Ortiz, did knowingly provide a materially false statement to CURE Auto Insurance Company on November 12, 2013, and a subsequent renewal questionnaire dated August 19, 2014, by knowingly failing to disclose that other individuals were the primary drivers of her insured vehicles and that the automobiles were garaged at locations other than the policy address.
Civil Penalty: $1,500

Aaron G. Santiago, Toms River, NJ
Order #15-52819-35, July 9, 2016
Respondent, Aaron G. Santiago, did provide materially false statements to CURE Auto Insurance Company in renewing an automobile insurance policy on January 3, 2013, December 17, 2013 and December 7, 2014, by knowingly failing to disclose an individual was a resident in household and had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Mohammed Mowla, Atlantic City, NJ
Order #15-53753-35, July 9, 2016
Respondent, Mohammed Mowla, did provide a materially false statement to CURE Auto Insurance Company in obtaining automobile insurance dated February 10, 2015, by knowingly failing to disclose that another individual was the co-owner and primary driver of an insured vehicle.
Civil Penalty: $1,500

Gurbachan Varma, Holmdel, NJ
Order #14-52545-24, July 9, 2016
Respondent, Gurbachan Varma, engaged in the practice of upcoding office visits when she billed for high level office visits under CPT 99214 on multiple occasions when the patient records failed to document the necessary components required, which enabled her to receive a benefit to which she was not entitled.
Civil Penalty: $5,000

Charles Finch, Toms River, NJ
Order #15-54321-35, July 12, 2016
Respondent, Charles Finch, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his home and was not listed as a driver on another individual's policy with NJ CURE Auto Insurance Company.
Civil Penalty: $1,500

Sherry Noguez, Egg Harbor Township, NJ
Order #15-52205-35, July 12, 2016
Respondent, Sherry Noguez, did provide materially false statements to CURE Auto Insurance Company in renewing an automobile insurance policy dated August 9, 2013 and September 11, 2014, by knowingly failing to disclose that two licensed residents were in her household.
Civil Penalty: $1,500

Douglas Heyser, Cape May Court House, NJ
Order #15-53822-35, July 27, 2016
Respondent, Douglas Heyser, did provide a materially false statement to GEICO Indemnity Insurance Company in obtaining an automobile insurance policy dated August 11, 2015, by knowingly failing to disclose that another individual was a resident in his household and an operator of the insured vehicle.
Civil Penalty: $1,500

Ellen M. Balcom, Waretown, NJ
Order #14-51735-35, July 27, 2016
Respondent, Ellen M. Balcom, provided materially false information to GEICO Insurance Company in obtaining and renewing an automobile insurance policy by failing to disclose additional drivers, business use of the policy vehicles, and garaging location of multiple vehicles which were registered in her name.
Civil Penalty: $3,500

Angelo DiBattista, Ballmawr, NJ
Order #15-54940-35, July 27, 2016
Respondent, Angelo DiBattista, provided materially false information relative to a claim to Progressive Garden State Insurance Company on December 2, 2015, by indicating that his vehicle was involved in a loss which occurred on March 5, 2015 between 6 and 7 p.m., after he had obtained a new automobile policy, when in fact, the loss had occurred on March 5, 2015 at 5:11 p.m., prior to the policy being incepted.
Civil Penalty: $2,500

Erica Carmichael, Lindenwold, NJ
Order #15-53310-35, July 27, 2016
Respondent, Erica Carmichael, did provide a materially false statement to CURE Auto Insurance Company in obtaining and renewing an automobile insurance policy dated October 3, 2010, by knowingly failing to disclose an additional resident in the household, who had a suspended license.
Civil Penalty: $1,500

Douglas M. Saenz, Trenton, NJ
Order #12-50781-40, July 29, 2016
Respondent, Douglas M. Saenz, knowingly provided false and misleading information to NJ Casualty Insurance Company; specifically,by failing to disclose the size of and classification of his workforce on his application dated March 25, 2010.
Civil Penalty: $5,000

Gilberth Navarro Umana, Trenton, NJ
Order #12-50781-40, July 29, 2016
Respondent, Gilberth Navarro Umana, knowingly provided false and misleading information to NJ Casualty Insurance Company specifically; by failing to disclose the size of and classification of his workforce on his application dated March 25, 2010.
Civil Penalty: $3,500

Charles Morra, Jr., Moonachie, NJ
Order #14-53928-04, February 25, 2016
Respondent, Charles Morra, Jr., acting in his capacity as manager of Prestige Auto Body, installed a used part in the repair of a 2005 Mercedes Benz, when in fact GEICO Insurance Company paid for a new part.
Civil Penalty: $2,500

Madeline L. Piccolo, Woodland Park, NJ
Order # 13-54214-04, June 9, 2016
Respondent, Madeline Piccolo, knowingly provided a false and misleading statement on an automobile insurance claim with CURE Auto Insurance Company when she reported that her 2005 Cadillac was struck while parked in Paterson, NJ, on April 24, 2013, when in fact, her daughter had been involved in a motor vehicle accident.
Civil Penalty: $3,500

Robinson Morales, Sr., Passaic, NJ
Order #14-54199-35, June 9, 2016
Respondent, Robinson Morales Sr., provided false and misleading information to Progressive Garden State Insurance Company on April 11, 2014, by failing to list a licensed household operator on an application for automobile insurance.
Civil Penalty: $1,500

Jomari Jimenez, Union City, NJ
Order #15-52204-35, June 9, 2016
Respondent, Jomari Jimenez, failed to disclose an additional driver on a renewal questionnaire dated January 10, 2015, to CURE Auto Insurance Company.
Civil Penalty: $1,500

Annat Shaibu-Kennedy, Lodi, NJ
Order #16-51049-35, June 23, 2016
Respondent, Annat Shaibu-Kennedy, provided information on her auto application with CURE Auto Insurance dated November 4, 2015.  Specifically, the respondent failed to list all licensed household drivers.
Civil Penalty: $1,500

Rodolfo Reyes, Bayonne, NJ
Order #15-50420-35, June 23, 2016
Respondent, Rodolfo Reyes, failed to list a licensed household driver on his auto policy application dated July 1, 2010, with Metropolitan Property and Casualty Insurance Company.
Civil Penalty: $1,500

Shadae Dean, Paterson, NJ
Order #15-52793-35, June 23, 2016
Respondent, Shadae Dean, knowingly gave false and misleading information to Progressive Insurance Company on April 8, 2015, when completing her online automobile insurance application. Specifically, she failed to list her boyfriend/fiance as a household driver.
Civil Penalty: $1,500

Alex Harris, Queens Village, NJ
Order #14-52804-35, June 23, 2016
Respondent, Alex Harris, knowingly provided false and misleading information to Mercury Insurance Company on his auto application dated July 25, 2013, with an inception date of August 2, 2013.  Specifically, Mr. Harris listed his policy residence as Washington, NJ, when in fact he was residing and garaging his vehicles in Brooklyn, NY.
Civil Penalty: $2,500

Partha Das, Jersey City, NJ
Order #15-53427-04, June 23, 2016
Respondent, Partha Das, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an auto property damage claim.  Specifically, he stated that the damages occurred to the vehicle on July 27, 2015, when in fact, the damages occurred on July 20, 2015, before the policy went into effect.
Civil Penalty: $2,500

Ruby Wedderburn, East Orange, NJ
Order #14-53631-35, June 23, 2016
Respondent, Ruby Wedderburn, failed to list all licensed and non-licensed household members on her auto application dated May 24, 2013, and on her renewal dated April 10, 2014, with Drive New Jersey Insurance Company.
Civil Penalty: $1,500

Janisha Grant, East Orange, NJ
Order #15-54591-35, June 29, 2016
Respondent, Janisha Grant, provided false and misleading information to Progressive Garden State Insurance Company on October 9, 2015, while securing an automobile policy, by failing to disclose that she had just been involved in a motor vehicle accident. Janisha Grant also provided false and misleading information during a recorded call on October 15, 2015, by stating that the accident had occurred on October 9, 2015, after the inception of the policy.
Civil Penalty: $2,500

Domenico Prisco, Parsippany, NJ
Order #14-53017-10, June 29, 2016
Respondent, Domenico Prisco, provided false and misleading statements on a homeowners insurance claim to New Jersey Manufacturers Insurance Company, dated April 8, 2014, specifically, by submitting a receipt from D&D Flooring indicating that the floors were repaired in 2011, when in fact, the repairs were never made.
Civil Penalty: $2,500

Cruzmery Inoa, North Haledon, NJ
Order #14-51801-04, June 29, 2016
Respondent, Cruzmery Inoa, on May 3, 2014, added a second vehicle to an already existing policy with Progressive Insurance Company.  On May 6, 2014, Ms. Inoa pursued a claim stating that both her vehicles were damaged while backing out of her driveway.  However, photos of both vehicles taken by an ISO Vehicle Locator, prior to the date of reported loss, show the auto damage was pre-existing.
Civil Penalty: $1,500

Joseph DiMare, Jersey City, NJ
Order #14-51914-35, June 29, 2016
Respondent, Joseph DiMare, gave false and misleading information on policy renewals dated June 19, 2013 and January 14, 2014, to New Jersey Manufacturers Insurance Company.  Specifically, he failed to disclose that his mother-in-law was the regular operator of one of his vehicles and that she garaged that vehicle at a different location than that of the policy address.
Civil Penalty: $1,500

David Moskal, Frenchtown, NJ
Order #15-54288-35, June 2, 2016
Respondent, David Moskal, when completing his policy application on September 8, 2015, with CURE Auto Insurance Company, knowingly failed to disclose that he was not the legal owner of the two insured 2000 and 2011 Ford pickup trucks.  Respondent also knowingly failed to disclose that the insured 2000 and 2011 Fords would be utilized for commercial purposes.
Civil Penalty: $1,500

German Delacruz, North Brunswick, NJ
Order #15-53166-35, June 9, 2016
Respondent, German Delacruz, provided false and misleading information to CURE Auto Insurance on his June 8, 2015 application for automobile insurance.  Specifically, respondent failed to disclose that the insured vehicles were registered to a business, Amigo Medical Transportation, Inc.
Civil Penalty: $1,500

Diego Capellan, Jersey City, NJ
Order #15-52658-35, June 14, 2016
Respondent, Diego Capellan, knowingly caused a material misrepresentation to be made to Progressive Insurance Company on June 11, 2015, by falsely reporting the time of loss in order to secure insurance coverage for a watercraft that had already suffered a loss prior to the effective time of coverage.  Specifically, respondent caused the time of loss for the watercraft to be falsely reported as occurring on June 10, 2015 between 5 and 6 p.m., when, in fact, the loss had already taken place several hours earlier on June 10, 2015 before the policy was obtained.
Civil Penalty: $5,000

Peter Baker, Albrightsville, PA
Order #15-53332-35, June 21, 2016
Respondent, Peter Baker, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an application for auto insurance dated October 30, 2014.  Specifically, respondent failed to disclose the true policy holder and additional operators/household members.
Civil Penalty: $1,500

Kathy Cao, Hillsborough, NJ
Order #14-53962-41, June 28, 2016
Respondent, Kathy Cao, made false statements to Mutual of Omaha on her disability income insurance application on September 24, 2013, her recorded interview with Mutual of Omaha underwriting on September 25, 2013, and on her claim form to Mutual of Omaha on July 30, 2014, when she failed to list previous medical conditions and made a misrepresentation about the date some of those conditions began.  By making these false statements, Kathy Cao obtained an insurance policy that would not otherwise have been written.
Civil Penalty: $5,000

Vincent K. Sajkowski, Cream Ridge, NJ
Order #12-51731-10, June 28, 2016
Respondent, Vincent K. Sajkowski, submitted false and misleading information to New Jersey Manufacturers Insurance Company material to a claim relating to an August 28, 2012, date of loss.  Specifically, false information was submitted in an attempt to receive monetary compensation for property damage that had been caused to his residence by an independent contractor and was not covered under his homeowner's insurance policy.
Civil Penalty: $2,000

Carmen Mercado, Carteret, NJ
Order #16-50428-35, June 28, 2016
Respondent, Carmen Mercado, when completing her policy application on December 8, 2015 with CURE Auto Insurance Company, knowingly failed to disclose that she was not the legal owner of the covered 2010 BMW.
Civil Penalty: $1,500

Maria Galviria, Plainfield, NJ
Order #15-55301-35, June 28, 2016
Respondent, Maria Galviria, on November 6, 2015, during a recorded interview with a New Jersey Manufacturing Insurance Company representative, knowingly failed to disclose that an undisclosed person would be operating and garaging the covered 2013 Toyota and 2003 Infinity. Respondent, Maria Galviria, when adding the 2003 Infinity to her policy on March 13, 2015, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that this vehicle would be operated by an undisclosed person.
Civil Penalty: $1,500

Melvin Diggs, Willingboro, NJ
Order #15-50430-35, June 1, 2016
Respondent, Melvin Diggs, did provide false information on an automobile policy dated September 30, 2014, to CURE Auto Insurance Company by knowingly failing to disclose that another individual was also a resident in his household and had a suspended New Jersey driver's license.Civil Penalty: $1,500

Wayne Gagne, Mantua, NJ
Order #15-54155-35, June 9, 2016
Respondent, Wayne Gagne, knowingly submitted a materially false statement on two life insurance applications dated October 23, 2014 and July 2, 2015, to Unum Life Insurance Company of America stating his spouse did not have diabetes, when in fact, she was diagnosed and treated for diabetes.
Civil Penalty: $1,500

Data Access Datapatch, Paramus, NJ
Order #15-50706-36, June 9, 2016
Respondent, Data Access Datapatch, did knowingly provide materially false information on a Horizon Blue Cross/Blue Shield Health Insurance Enrollment form dated January 1, 2010, by indicating two individuals were employees of the company, when in fact, they were never employed with Data Access Datapatch.  Said health insurance coverage was active through December 2014.
Civil Penalty: $5,000

Brielle Hill, Freehold, NJ
Order #15-51335-35, June 20, 2016
Respondent, Brielle Hill, did provide materially false statements to CURE Auto Insurance Company in obtaining and renewing an automobile insurance policy dated February 20, 2014, by knowingly failing to disclose an additional resident in her household.
Civil Penalty: $1,500

Sandra Robinson, Woodbury, NJ
Order #15-53483-35, June 23, 2016
Respondent, Sandra Robinson, provided materially false statements to CURE Auto Insurance Company by failing to disclose an additional primary operator of the 2002 Acura policy vehicle when the vehicle was added to the policy on September 17, 2013, and on subsequent renewals, and that the automobile was garaged at a location other than the primary address.
Civil Penalty: $1,500

Daquan Harvey, Woodbury, NJ
Order #15-53483-35, June 23, 2016
Respondent, Daquan Harvey, conspired with another individual in that he knowingly had possession of an insured risk, was the sole non-resident operator, garaged the same at his own home, and was not listed as a driver on the CURE Auto Insurance Company automobile policy when the vehicle was added to the policy on September 17, 2013.
Civil Penalty: $1,500

Shirley Richardson, Sewell, NJ
Order # 15-53820-35, June 23, 2016
Respondent, Shirley Richardson, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated August 20, 2015, by knowingly failing to disclose another individual as a household resident whose driver's license was suspended, was an operator of a vehicle registered to her, and that the vehicle was being used for commercial purposes.  Additionally, Shirley Richardson did provide a materially false statement to Good2Go Insurance Company in obtaining an automobile insurance policy dated October 8, 2015, by knowingly failing to disclose another individual as a household resident whose driver's license was suspended, was an operator of a vehicle registered to her, and that the vehicle was being used for commercial purposes.
Civil Penalty: $3,000

Elizabeth Bermudez, Vineland, NJ
Order #16-51506-35, June 23, 2016
Respondent, Elizabeth Bermudez, did provide materially false statements to CURE Auto Insurance Company on the January 14, 2013, February 19, 2014 and January 13, 2015 renewal forms by failing to list her boyfriend as a household member and an operator of her vehicle.
Civil Penalty: $1,500

Ramon Alicea, Runnemede, NJ
Order #15-54126-35, June 23, 2016
Respondent, Ramon Alicea, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated February 19, 2014, by knowingly failing to disclose another household member and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Stephanie Moore, Ocean, NJ
Order #15-54280-35, June 29, 2016
Respondent, Stephanie Moore, did provide a materially false statement to Allstate Insurance Company in renewing her automobile insurance policy on March 14, 2014, by knowingly failing to disclose that another individual was a resident in her household and an operator of the policy vehicle.
Civil Penalty: $1,500

Eunide Leger, Roselle, NJ
Order #14-53352-35, June 29, 2016
Respondent, Eunide Leger, did provide a materially false statement to Progressive Insurance Company in obtaining an automobile insurance policy dated November 8, 2012, by knowingly failing to disclose an individual as a resident in her household and an operator of a vehicle registered to her.
Civil Penalty: $1,500

Maribel Cotto, Newark, NJ
Order #15-50384-35, June 23, 2016
Respondent, Maribel Cotto, knowingly gave false and misleading information to Progressive Insurance Company on February 1, 2013, when completing her online automobile insurance application.  Specifically, she failed to list a household resident driver.
Civil Penalty: $1,500

Jesus Olano, Paterson, NJ
Order #14-52346-03, May 3, 2016
Respondent, Jesus Olano, knowingly made false and misleading statements in reporting an automobile theft on March 16, 2014, to Amica Mutual Insurance Company by stating his vehicle was stolen, when in fact it was not stolen.
Civil Penalty: $5,000

Eric Sauceda, Dover, NJ
Order #15-54468-35, May 5, 2016
Respondent, Eric Sauceda, gave false and misleading information to Progressive Garden State Insurance Company when he renewed his automobile insurance policy for the period of May 9, 2015 to November 9, 2015, and failed to list all household residents on the renewal.
Civil Penalty: $1,500

Lisa Cerza, Belleville, NJ
Order #11-23181-03, May 5, 2016
Respondent, Lisa Cerza, gave false and misleading information to Progressive Garden State Insurance Company when she reported that her vehicle was stolen on March 28, 2011, when in fact the vehicle was in possession of the Newark Police Department on February 28, 2011.
Civil Penalty: $5,000

Duvar Navarro, Harrison, NJ
Order #13-53024-35, May 3, 2016
Respondent, Duvar Navarro, provided false and misleading information to Allstate Insurance Company on his auto application dated April 13, 2010.  Specifically, by failing to disclose a driver of the policy vehicle.
Civil Penalty: $1,500

Edris Grosvenor, East Orange, NJ
Order #15-52532-35, May 16, 2016
Respondent, Edris Grosvenor, knowingly provided false and misleading information to Plymouth Rock Insurance Company on an automobile insurance policy application dated November 18, 2014, and on a vehicle addition to the policy dated November 21, 2014.  Specifically, Edris Grosvenor failed to inform the carrier that the 2002 Ford Explorer was being operated by a person not listed on the policy and that the vehicle was being garaged in Brooklyn, NY.
Civil Penalty: $1,500

Anthony Petrullo, Fairfield, NJ
Order #13-51217-10, May 16, 2016
Respondent, Anthony Petrullo, on or about January 10, 2013, in furtherance of a claim filed by him with State Farm Insurance Company, provided false and misleading information.  Specifically, Mr. Petrullo altered the amount of a repair invoice from $635 to $2,635, in an unlawful attempt to obtain from State Farm monies to which he was not entitled.
Civil Penalty: $2,500

Narsingh Mulkhraj, Belleville, NJ
Order #15-51643-35, May 16, 2016
Respondent, Narsingh Mulkhraj, failed to list his son as a licensed household resident or regular operator on an application with Progressive Garden State Insurance Company, dated May 17, 2014.
Civil Penalty: $1,500

Janet Nyarko, Hackensack, NJ
Order #15-52276-35, May 16, 2016
Respondent, Janet Nyarko, provided false and misleading information by failing to list a licensed resident operator on an application, undisclosed driver certification and underwriting questionnaire when applying for automobile insurance with IFA Insurance Company on March 5, 2012.
Civil Penalty: $1,500

Marisol Spindola, West Palm Beach, FL
Order #15-52653-35, May 16, 2016
Respondent, Marisol Spindola, knowingly provided false and misleading information on a CURE Auto Insurance auto application dated November 16, 2014.  Specifically, Ms. Spindola filled out the application listing a close relative's name and pedigree information as the insured whereby omitting herself as the primary operator of the policy vehicle.
Civil Penalty: $1,500

Alexander Penachi, North Bergen, NJ
Order #15-54156-35, May 16, 2016
Respondent, Alexander Penachi, did on or about April 30, 2014, on an application for automobile insurance from New Jersey Manufacturers Insurance Company, knowingly provide false and misleading information in that he listed the policy address for his insured 2000 Toyota, knowing at the time, that the vehicle would be garaged and primarily operated by a relative in Cliffside Park, NJ.
Civil Penalty: $1,500

Kenneth R. Coats, Florham Park, NJ
Order #15-51396-35, May 23, 2016
Respondent, Kenneth R. Coats, knowingly provided a misleading statement to CURE Auto Insurance Company on a policy declaration page dated February 20, 2015, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Huriyyah Pritchett, Newark, NJ
Order #14-51826-35, May 23, 2016
Respondent, Huriyyah Pritchett, on or about October 7, 2013, conspired with another individual, a Metropolitan Property & Casualty insured, to provide false information to Metropolitan Insurance so she could unlawfully obtain insurance coverage on a vehicle owned by her, a 2009 Land Rover.
Civil Penalty: $1,500

Alysha Alston, Elizabeth, NJ
Order #15-51780-35, May 16, 2016
Respondent, Alysha Alston, when adding a 2006 Nissan Maxima on September 20, 2014, knowingly failed to disclose to Progressive Garden State Insurance Company that an additional vehicle operator existed for this policy vehicle.
Civil Penalty: $1,500

Victor J. Cleary, Jr., Washington, NJ
Order #15-51267-35, May 16, 2016
Respondent, Victor J. Cleary, Jr., did knowingly provide materially false information during statements to Progressive Garden State Insurance Company on February 13, 2015 and March 4, 2015, by alleging that the damage to his snowmobile occurred on February 12, 2015, when in fact, the loss to the snowmobile occurred prior to the insurance policy inception date.
Civil Penalty: $5,000

Wendy Vogel-Strout, Manchester, NJ
Order #13-51639-47, May 16, 2016
Respondent, Wendy Vogel-Strout, knowingly submitted altered veterinary invoices as receipts to National Casualty Insurance (formerly VPI) for reimbursement of treatment services to which she was not entitled.
Civil Penalty: $3,500

Jennifer Jerome, Edison, NJ
Order #15-52557-35, May 16, 2016
Respondent, Jennifer Jerome, purposefully removed a listed operator from her Progressive Garden State Insurance Company policy on February 23, 2015, to knowingly allow this individual's undisclosed and continued utilization of a covered 2002 Jeep.
Civil Penalty: $1,500

Francy Mayorga, Colonia, NJ
Order #16-51044-35, May 23, 2016
Respondent, Francy Mayorga, failed to disclose she was married and that her husband was a household resident with a suspended license on her application with CURE Auto Insurance Company dated November 15, 2013. Francy Mayorga signed and returned a renewal questionnaire failing to disclose her husband on September 4, 2014. Francy Mayorga made a first notice of loss claim to CURE on November 23, 2015, and reported that her cousin was in an accident with her vehicle when, in fact, it was her husband.
Civil Penalty: $1,500

Luis Acosta, Plainfield, NJ
Order #12-54062-35, May 23, 2016
Respondent, Luis Acosta, knowingly failed to disclose to his carrier, 21st Century Insurance Company, that the covered 2000 Honda Odyessy added to the policy on September 2, 2011, was to be solely utilized by an undisclosed driver, that the covered 1998 Dodge Caravan added to the policy on June 2, 2011, was to be solely utilized by an undisclosed operator, and that the covered 2003 Mazda MPV added to the policy on June 2, 2011, was to be solely utilized by an undisclosed operator.
Civil Penalty: $2,000

Stephanie Jacobs, Atlantic City, NJ
Order #15-50395-35, May 16, 2016
Respondent, Stephanie Jacobs, did provide a material false statement to CURE Auto Insurance Company when obtaining an automobile insurance policy on October 2, 2014, by knowingly failing to disclose three household members, including one with a suspended New Jersey driver's license at the time of the policy inception.
Civil Penalty: $1,500

Sharon Jeannette, Sayreville, NJ
Order #15-53426-35, May 16, 2016
Respondent, Sharon Jeannette, did knowingly provide false information on a statement of no loss to Progressive Garden State Insurance Company on June 27, 2015 at 12:29 p.m., by indicating that she did not have a loss during the lapse period, when in fact she was involved in a crash earlier the same day.  Additionally, this misrepresentation also resulted in a third party claim paid to the other operator by Progressive Garden State Insurance Company.
Civil Penalty: $1,500

Gonzalo Rios-Pita, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Gonzalo Rios-Pita, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Eliana Ruiz, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Eliana Ruiz, conspired with another individual in that she knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at her own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Marco Antonio Rios-Pita, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Marco Antonio Rios-Pita, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Cortney M. Kratzer, Pennsville, NJ
Order #15-53786-35, May 16, 2016
Respondent, Cortney M. Kratzer, knowingly supplied false information on an application for automobile insurance to CURE Auto Insurance Company on February 25, 2015, by acknowledging that she was the sole owner of the insured vehicle, when in fact, the vehicle was co-owned by another household resident.  Also, she knowingly failed to disclose this additional household resident on the application who had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Gina Montero, Linden, NJ
Order #14-53809-35, May 23, 2016
Respondent, Gina Montero, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated January 10, 2011, by knowingly failing to disclose a resident in her household.
Civil Penalty: $1,500

Rihakulk Islam, Old Bridge, NJ
Order #15-52084-35, May 23, 2016
Respondent, Rihakulk Islam, when adding the 2002 Chrysler Voyager to his Plymouth Rock Assurance Company Policy on July 9, 2013, knowingly failed to disclose that this vehicle would be utilized by individuals purposefully not disclosed to the carrier, that this vehicle would be utilized for commercial purposes, and that this vehicle would be garaged and operated in the state of New York. Rihakulk Islam when adding the 2003 Dodge Caravan to his Plymouth Rock Assurance Company Policy on January 15, 2015, knowingly failed to disclose that this vehicle would be utilized by individuals purposefully not disclosed to the carrier, that this vehicle would be utilized for commercial purposes, and that this vehicle would be garaged and operated in the state of New York.
Civil Penalty: $1,500

Christine Hepburn, Garfield, NJ
Order #15-50864-35, May 31, 2016
Respondent, Christine Hepburn, knowingly provided false and misleading information to CURE Auto Insurance Company in support of her automobile insurance policy on April 25, 2014 and June 13, 2014. Specifically, Ms. Hepburn failed to disclose that a relative would be the primary operator of the policy vehicle, a 2011 Acura.
Civil Penalty: $1,500

Heena Bharti, Clifton, NJ
Order #16-51204-35, May 31, 2016
Respondent, Heena Bharti, knowingly concealed relevant information on her National Casualty Pet Insurance application signed August 5, 2015, by failing to disclose her pet's prior/current health issues,  specifically, by concealing that the pet was diagnosed with cardiomyopathy and a heart murmur on August 1, 2015.
Civil Penalty: $1,500

Sue Lindwall, Woodland Park, NJ
Order #14-54121-35, May 31, 2016
Respondent, Sue Lindwall, knowingly provided false and misleading statements on a New Jersey Manufacturers Insurance Company questionnaire dated June 25, 2014, by failing to disclose a licensed household resident and operator of the policy vehicles.
Civil Penalty: $1,500

Salomon Legarda, Union City, NJ
Order #15-53582-35, May 31, 2016
Respondent, Salomon Legarda, gave false and misleading statements to Progressive Insurance Company on January 10, 2015, when he failed to list a licensed household resident.
Civil Penalty: $1,500

Mateus Barbosa, Newark, NJ
Order #15-51041-04, May 31, 2016
Respondent, Mateus Barbosa, as owner of Repair X Auto, conspired with another individual, to supply a false repair bill dated September 10, 2014 in support of an Auto Property Claim to Progressive Insurance Company dated January 28, 2015.  Specifically, the Respondent claims that similar repairs were completed on the individual’s vehicle in support of a previous claim dated August 24, 2014, when in fact these repairs were never performed.
Civil Penalty: $2,500

Hugo Quizhpe, Morristown, NJ
Order #15-52776-35, May 26, 2016
Respondent, Hugo Quizhpe, knowingly submitted a false and misleading statement on an application for automobile insurance dated July 2, 2014, as well as a renewal declaration page dated December 16, 2014, with Progressive Insurance Company, specifically, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Hogi Ahn, Palisades Park, NJ
Order #15-51763-35, May 26, 2016
Respondent, Hogi Ahn, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application, electronically signed and dated July 17, 2014, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Manuel Neves, Newark, NJ
Order #14-50730-35, May 26, 2016
Respondent, Manuel Neves, knowingly provided false and misleading statements to Travelers Insurance Company on an automobile insurance application dated May 23, 2007, and on a renewal questionnaire form dated February 3, 2010, specifically, failing to list a licensed household resident.
Civil Penalty: $1,500

George Hrissikos, Waldwick, NJ
Order #13-54970-10, May 26, 2016
Respondent, George Hrissikos, provided false and misleading information to American Commerce Insurance Company on August 14, 2013, in support of a homeowner's insurance water damage loss claim that occurred on August 28, 2011.  Specifically, Mr. Hrissikos submitted a purchase receipt for a Persian rug knowing that he had previously submitted the same receipt to AIG Insurance Company involving an unrelated loss claim.
Civil Penalty: $3,500

Alice Sytsma, Wayne, NJ
Order #16-50881-35, May 26, 2016
Respondent, Alice Sytsma, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company for her personal auto insurance application dated May 30, 2013.  Specifically, that she was the sole operator of both policy vehicles and that both policy vehicles were garaged overnight at the policy address, when in fact, one of the vehicles was in possession of a family member and garaged at a different location.
Civil Penalty: $1,500

Kyongsoon Cho, Hackensack, NJ
Order #13-50795-35, May 26, 2016
Respondent, Kyongsoon Cho, failed to list all licensed household relatives on her auto renewal policies dated May 1, 2012 and November 1, 2012, with Plymouth Rock Insurance Company of New Jersey as regular operators of her risk vehicles.
Civil Penalty: $1,500

Wilman R. Erazo, West New York, NJ
Order #15-54158-35, May 26, 2016
Respondent, Wilman R. Erazo, knowingly provided false and misleading information on his New Jersey Manufacturers automobile insurance renewal questionnaire dated February 14, 2014, by failing to disclose regular operators of the insured vehicles as well as the true garaging location of those vehicles.
Civil Penalty: $1,500

Liliana Reyes, Nutley, NJ
Order #16-51006-35, May 26, 2016
Respondent, Liliana Reyes, knowingly provided false and misleading information on her Plymouth Rock automobile insurance application dated May 18, 2015, by failing to disclose a household resident and regular operator of the insured vehicle.
Civil Penalty: $1,500

Wanda Garcia, Newark, NJ
Order #14-52735-35, May 31, 2016
Respondent, Wanda Garcia, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that her daughter was a licensed household resident on her insurance policy renewal dated March 26, 2013.
Civil Penalty: $1,500

Sherryl Laylock, Sayreville, NJ
Order #14-53866-35, May 24, 2016
Respondent, Sherryl Laylock, did knowingly provide materially false and misleading information to CURE Auto Insurance Company on two applications for renewal dated December 10, 2012 and December 06, 2013, and in a recorded statement taken September 29, 2014.  Specifically, respondent failed to disclose of an additional customary operator and the true garaging location of the policy vehicle, 2006 Chrysler 300.
Civil Penalty: $3,000

Paul Loney, Cherry Hill, NJ
Order #15-50940-35, May 26, 2016
Respondent, Paul Loney, did knowingly provide false information on his initial claim report to Progressive Insurance Company on January 2, 2015, by stating that his vehicle had been involved in an accident on December 31, 2014, at 1:15 p.m., when in fact, the accident occurred at 10:24 a.m. on the same date, before the policy became effective at 12:57 p.m.  Additionally, this misrepresentation resulted in a third party claim to Progressive Insurance Company.
Civil Penalty: $3,000

Sophia Carey, Mount Laurel, NJ
Order #15-52664-35, May 23, 2016
Respondent, Sophia Carey, did provide a materially false statement to Personal Service Insurance Company on April 17, 2015, in obtaining automobile insurance by failing to disclose an additional household member.
Civil Penalty: $1,500

Scott A. Salkind, Medford, NJ
Order #13-54560-24, May 23, 2016
Respondent, Scott A. Salkind, and General Medical of New Jersey, jointly and severally, knowingly caused claims to be submitted to Horizon Blue Cross/Blue Shield of New Jersey and Aetna Insurance Company for laboratory services between January 2007 and April 11, 2012, when neither provider was licensed in the State of New Jersey to provide these services.
Civil Penalty: $50,000

William Gil, Jr., North Bergen, NJ
Order # 15-52072-03, April 11, 2016
Respondent, William Gil, Jr., provided false and misleading information to Drive New Jersey Insurance Company on an automobile theft claim dated April 27, 2015, and in a recorded statement on May 4, 2015, by stating that this 2002 Nissan Frontier had been stolen, when in fact, it had not been stolen.
Civil Penalty: $4,000

Halan Wallizadeh, Parsippany, NJ
Order #15-53016-04, April 11, 2016
Respondent, Halan Wallizadeh, did on or about May 2015, prepare and present to Selective Insurance Company two (2) fraudulent receipts for the towing and storage of a vehicle owned by him, in the furtherance of a claim for collision damage in an unlawful attempt to obtain monies he was not entitled to receive.
Civil Penalty: $2,500

Victor Pena-Majano, Teaneck, NJ
Order #15-54096-35, April 15, 2016
Respondent, Victor Pena-Majano, knowingly submitted a false and misleading statement to Progressive (Drive New Jersey Insurance Company) on an automobile insurance policy application dated September 16, 2014. Specifically, Mr. Pena-Majano failed to list his stepdaughter as a licensed household member and operator of the policy vehicle.
Civil Penalty: $1,500

Luz M. Mayorga, West New York, NJ
Order #15-51759-35, April 20, 2016
Respondent, Luz M. Mayorga, knowingly provided false and misleading statements to GEICO Insurance Company, dated April 22, 2014, by failing to disclose that a policy vehicle, a 2006 BMW, was operated by an undisclosed operator and the vehicle was not garaged at the policy address.
Civil Penalty: $1,500

Thomas Baneky, Lodi, NJ
Order #12-51388-35, April 20, 2016
Respondent, Thomas Baneky, knowingly submitted false and misleading information on an automobile insurance application with New Jersey Manufacturers dated December 14, 2005, specifically, by using a fictitious driver’s license that he fraudulently obtained under his brother’s name. Additionally, Thomas Baneky continued to use the identity/driver's license of his brother from 2005 to 2011, which is the time that the New Jersey Manufacturers policy was in force.
Civil Penalty: $5,000

Yvonne Hewett, Albrightsville, PA
Order #15-54997-35, April 20, 2016
Respondent, Yvonne Hewett, knowingly concealed relevant information on an application for automobile insurance with CURE Auto Insurance Company dated May 2, 2015, specifically, by failing to disclose a regular operator of the policy vehicles.
Civil Penalty: $1,500

Dawn Bigelow, Phillipsburg, NJ
Order #15-52572-35, April 18, 2016
Respondent, Dawn Bigelow, knowingly provided false and misleading statements to Progressive Garden State Insurance Company on May 2, 2015, material to a claim of the same date. Specifically, respondent denied her son was the primary vehicle operator of a 1999 Jeep Grand Cherokee.
Civil Penalty: $1,500

Ruth Fair, Plainfield, NJ
Order #15-51762-35, April 18, 2016
Respondent, Ruth Fair, when signing the new business auto application knowingly failed to disclose to Progressive Garden State Insurance Company her true identity and all operators of the policy vehicle.
Civil Penalty: $1,500

Victoria Compton, Millville, NJ
Order #15-53888-35, April 18, 2016
Respondent, Victoria Compton, did knowingly provide a materially false statement to CURE Auto Insurance Company on March 11, 2014, by failing to disclose that an additional driver was the primary operator of the 1995 Honda Accord listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Adriana Avila, Plainfield, NJ
Order #13-53072-35, April 11, 2016
Respondent, Adriana Avila, knowingly failed to disclose on her Good2Go Insurance Company Policy that the covered 2005 Dodge Durango added to the policy on February 26, 2012, the covered Chevrolet Astro added to the policy on September 20, 2012, the covered 1999 Plymouth Voyager added to the policy on October 29, 2012, and the covered 1987 Dodge Dakota added to the policy on October 29, 2012, were solely utilized by an undisclosed operator.
Civil Penalty: $1,500

Nathan Bakhash, Lakewood, NJ
Order #15-51861-35, April 13, 2016
Respondent, Nathan Bakhash, did provide a materially false statement to Progressive Insurance Company on an application for insurance dated February 5, 2015, by failing to identify himself as a rated driver on the policy with a suspended New Jersey driver's license.
Civil Penalty: $1,500

Carol A. Pontano, Sicklerville, NJ
Order #15-53502-36, April 13, 2016
Respondent, Carol A. Pontano, failed to disclose her hospital confinement between September 17, 2013 through September 20, 2013, which took place within one year of the policy application for Supplemental Hospital Insurance with Mutual of Omaha Insurance Company dated June 27, 2014.
Civil Penalty: $1,500

Sonia N. Correa, Camden, NJ
Order #14-52991-35, April 11, 2016
Respondent, Sonia N. Correa, conspired with another individual in that she knowingly had possession of an insured risk; was the co-owner of the insured risk; was the sole non-resident operator; garaged the same at her own home; made no less than nine premium payments; and was not listed as a driver on an automobile policy with CURE Auto Insurance Company dated February 20, 2013.
Civil Penalty: $1,500

Kenijah Dixon-Baldwin, Newark, NJ
Order #15-53598-35, April 27, 2016
Respondent, Kenijah Dixon-Baldwin, when applying for coverage on May 14, 2015 with National Liability and Fire Insurance Company knowingly failed to disclose an uninsured and licensed policy household resident.
Civil Penalty: $1,500

Jimmy Berryhill, Atlanta, GA
Order #15-52516-35, April 27, 2016
Respondent, Jimmy Berryhill, knowingly submitted false and misleading information to CURE Auto Insurance Company on a renewal questionnaire dated March 3, 2015.  Specifically, Mr. Berryhill represented that he was residing with his wife at the policy address in New Jersey and that both vehicles were garaged at that location, when in fact, he was actually residing in Atlanta, Ga., and had one of the policy vehicles in his possession.
Civil Penalty: $1,500

Melissa Elam, Neptune, NJ
Order #15-52491-35, April 29, 2016
Respondent, Melissa Elam, did knowingly make multiple material misrepresentations to Plymouth Rock Assurance Company on March 25, 2015, by reporting a false motor vehicle accident date and on March 19, 2015 when renewing an automobile insurance policy and failing to disclose a motor vehicle accident that took place on March 17, 2015.
Civil Penalty: $5,000

Thomas S. Zaleski, Hazlet, NJ
Order #13-53361-04, April 27, 2016
Respondent, Thomas S. Zaleski, provided false and misleading information to Drive New Jersey Insurance Company (Progressive) in a First Notice of Loss on June 28, 2013 and in a recorded statement on July 1, 2013.  Specifically, Mr. Zaleski reported that his 2009 Pontiac Vibe had been stolen from Chatham Borough, NJ, on June 13, 2013, when in fact, the vehicle had not been stolen.
Civil Penalty: $3,500

Maria D. Lage Silva, Kearny, NJ
Order # 15-52398-35, March 2, 2016
Respondent, Maria D. Lage Silva, failed to disclose a licensed household member on an application for automobile insurance with Progressive Garden State Insurance Company on March 14, 2015.
Civil Penalty: $1,500

Julia Vallejo, Kearny, NJ
Order #15-51823-35, March 2, 2016
Respondent, Julia Vallejo, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application, electronically signed and dated October 6, 2011, by failing to disclose a licensed household resident and a resident.
Civil Penalty: $1,500

Theodoro Lutas, Sayreville, NJ
Order #14-51087-35, March 2, 2016
Respondent, Theodoro Lutas, conspired with Jean Halligan, who knowingly provided false and misleading information on an auto application with New Jersey Manufacturers Insurance Company dated March 2009 and on all subsequent policy renewals up to 2012. Specifically, they claimed they were married, when in fact they were divorced prior to the application. In addition, Theodoro Lutas exclusively possessed, operated and garaged a policy vehicle at his home in Marlboro, NY, for the duration of the policy period of 2009 through 2012.
Civil Penalty: $1,500

Julio Alvarado, Morristown, NJ
Order #13-52168-35, March 2, 2016
Respondent, Julio Alvarado, knowingly provided false and misleading information to Liberty Mutual Insurance Company on various policy declarations from 2011 through 2014, specifically, by not disclosing numerous additional drivers and garaging locations.
Civil Penalty: $5,000

Ashley M. Traverso, Rockaway, NJ
Order #15-51920-35, March 9, 2016
Respondent, Ashley M. Traverso, knowingly concealed misleading information on an auto application to IFA Insurance Company dated October 17, 2014, by failing to disclose a household resident.
Civil Penalty: $1,500

Iyeshia S. Green, Jersey City, NJ
Order #14-52822-35, March 9, 2016
Respondent, Iyeshia S. Green, knowingly concealed information on an auto insurance application to IFA Insurance Company by failing to disclose that her then fiancé was a regular operator of her vehicle.
Civil Penalty: $1,500

Diego Buritica, Long Branch, NJ
Order #15-51271-35, March 8, 2016
Respondent, Diego Buritica, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company on his November 8, 2014 application for auto insurance by failing to disclose household members and/or operators of the insured vehicle, specifically his wife.
Civil Penalty: $1,500

Tarek Singleton Ransom, Plainfield, NJ
Order #15-52341-35, March 8, 2016
Respondent, Tarek Singleton Ransom, when signing her December 21, 2012 application, knowingly failed to disclose to CURE Auto Insurance Company additional residents of the policy household.
Civil Penalty: $1,500

Stanley Jones, Newark, NJ
Order #14-53663-35, March 3, 2016
Respondent, Stanley Jones, a named insured, when adding a 2015 GMC to an NJM Insurance Company policy on April 22, 2014, knowingly failed to disclose his true Newark, NJ address.
Civil Penalty: $1,500

Holly C. Hill, Trenton, NJ
Order #11-23070-41, March 3, 2016
Respondent, Holly C. Hill, knowingly failed to disclose that she had returned to gainful employment on September 28, 2009, which would have terminated her disability benefits which continued until October 2010.
Civil Penalty: $2,500

Faramarz Azimi, Belle Mead, NJ
Order #12-52284-10, March 9, 2016
Respondent, Faramarz Azimi, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company.  Specifically, he stated that on September 2, 2011, a basement sink cold water compression valve leaked and flooded his basement. Faramarz Azimi submitted a post-loss American Water Company bill that showed a meter reading of 46,376 gallons of water used between September 13, 2011 and September 29, 2011.  This water was, in fact, not dispensed on September 2, 2011, and could not have caused damage to his basement.
Civil Penalty: $2,500

Edwin Villanueva, Paterson, NJ
Order #13-53146-35, March 24, 2016
Respondent, Edwin Villanueva, gave false and misleading information to Metropolitan Property & Casualty Insurance Company on an auto application dated February 22, 2013. Specifically, Edwin Villanueva failed to disclose a household member.
Civil Penalty: $1,500

Salvatore LaPlaca, Fairlawn, NJ
Order #13-51269-35, March 24, 2016
Respondent, Salvatore LaPlaca, knowingly made a misleading statement on an automobile application dated December 1, 2012, to CURE Auto Insurance Company. Specifically, he failed to list other household members on his application.
Civil Penalty: $1,500

Keith Ross, Irvington, NJ
Order #15-51559-35, March 24, 2016
Respondent, Keith Ross, did knowingly provide CURE Auto Insurance Company false and misleading information on an automobile insurance policy application dated May 14, 2013, and on a renewal declaration page dated May 15, 2014, by failing to disclose additional regular operators and the garaging location of the vehicle.
Civil Penalty: $1,500

Laurie A. Russell, Ocean Grove, NJ
Order #15-52203-35, March 24, 2016
Respondent, Laurie A. Russell, submitted false and misleading statements on her CURE Auto Insurance Company auto policy application dated July 29, 2013, and her renewal questionnaire dated May 5, 2014. Specifically, Laurie A. Russell failed to disclose a household member that lived at her residence and possessed a valid driver's license.
Civil Penalty: $1,500

James Sullivan, Willingboro, NJ
Order #15-52119-35, March 24, 2016
Respondent, James Sullivan, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated January 14, 2014, and subsequent renewal questionnaire dated November 1, 2014, by knowingly failing to disclose a household resident and an operator of an insured vehicle. The insured vehicle was also being used for commercial purposes.
Civil Penalty: $1,500

Michael T. Killmer, Forked River, NJ
Order #15-50429-35, March 24, 2016
Respondent, Michael T. Killmer, provided a materially false statement to CURE Auto Insurance Company on May 5, 2014, in obtaining automobile insurance, by knowingly failing to disclose a household resident whose New Jersey driver's license was suspended and who was an operator of a vehicle registered to him.
Civil Penalty: $1,500

Brenan Duffy, Moorestown, NJ
Order #15-51252-04, March 24, 2016
Respondent, Brenan Duffy, did knowingly make a material misrepresentation to Progressive Insurance Company on February 24, 2015, by falsely reporting the date of loss in an attempt to secure insurance coverage for an accident that occurred prior to the effective time and date of added coverage.
Civil Penalty: $2,500

Stephen Mora, Beverly, NJ
Order #15-51899-35, March 24, 2016
Respondent, Stephen Mora, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 5, 2015, by submitting a fraudulent vandalism claim for his vehicle, when in fact, the vandalism had occurred on October 23, 2014, when he had a higher deductible.
Civil Penalty: $1,500

Ronald Mattonelli, Burlington, NJ
Order #15-53829-35, March 24, 2016
Respondent, Ronald Mattonelli, did provide a materially false statement to Mid-Century Insurance Company in obtaining an automobile insurance policy dated July 20, 2015, by knowingly failing to disclose another individual was a licensed resident in his household.
Civil Penalty: $1,500

Dorothy McCaden, Burlington, NJ
Order #15-52737-35, March 24, 2016
Respondent, Dorothy McCaden, did provide materially false statements to New Jersey Manufacturers Insurance Company on her original policy application dated September 9, 2001, subsequent renewals dated October 12, 2002 and September 16, 2004, and correspondence dated June 23, 2011 and October 28, 2013, by knowingly failing to disclose that there were additional residents in her household and that they were operators of vehicles registered to her.
Civil Penalty: $1,500

Anita Lai, Titusville, NJ
Order #15-52327-47, March 24, 2016
Respondent, Anita Lai, did provide a material false statement to Veterinary Pet Insurance, a subsidiary of National Casualty Company, in obtaining a pet insurance policy on November 18, 2014, by failing to disclose that her pet dog had a pre-existing heart murmur.
Civil Penalty: $1,500

Dawn Moss-McClam, Jersey City, NJ
Order #13-51118-35, March 24, 2016
Respondent, Dawn Moss-McClam, knowingly failed to list a member of the household and a vehicle operator on her application with National Liability and Fire Insurance Company dated March 19, 2012.
Civil Penalty: $1,500

Tamela Blackwell, Woodbury, NJ
Order #15-50794-35, March 30, 2016
Respondent, Tamela Blackwell, knowingly provided false and misleading information to CURE Auto Insurance Company. Specifically, she failed to disclose individuals as residents/drivers on her automobile application dated January 31, 2013, and her renewal questionnaire dated November 19, 2013.
Civil Penalty: $1,500

Moises Jimenez, New Brunswick, NJ
Order #15-50644-35, March 29, 2016
Respondent, Moises Jimenez, did knowingly provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy on May 31, 2014, by failing to disclose all of the residents in his household. Furthermore, Mr. Jimenez failed to disclose that the insured 2009 Toyota Tacoma was co-owned with another individual who was the primary operator and that the vehicle was garaged at a location other than the policy address. Mr. Jimenez also failed to disclose that the insured 2007 Audi A4 was primarily operated by a different individual and that the vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Jorge Badillo, Freehold, NJ
Order #15-51381-35, March 29, 2016
Respondent, Jorge Badillo, knowingly failed to disclose to Progressive Insurance Company on his application for auto insurance dated August 14, 2011, that there was a licensed household resident driver at the policy address.
Civil Penalty: $1,500

Emanuel Velez, Union, NJ
Order #15-51883-35, March 29, 2016
Respondent, Emanuel Velez, knowingly failed to disclose to CURE Auto Insurance Company that a family member was the customary operator of his 2009 Chevrolet Aveo when it was added to the policy on February 24, 2015, and that the vehicle was not being garaged at the policy address resulting in a premium savings of $752.
Civil Penalty: $1,500

Graciela Gato, Union City, NJ
Order #12-53331-35, March 31, 2016
Respondent, Graciela Gato, knowingly submitted a false and misleading statement on an automobile policy application with New Jersey Manufacturers Insurance Company dated July 17, 2011. Specifically, Graciela Gato failed to list a licensed household resident who was a regular operator of the policy vehicle.
Civil Penalty: $1,500

Robert Burfeindt, New Milford, NJ
Order #15-53760-35, March 31, 2016
Respondent, Robert Burfeindt, knowingly supplied false and misleading statements to CURE Auto Insurance Company by failing to list a household member on a renewal application dated January 6, 2015.
Civil Penalty: $1,500

Ann Marie Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Ann Marie Ralph, knowingly provided false and misleading statements to her carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 8 and 14, 2010, and November 11, 2010, that her vehicle, the insured 2000 Isuzu Trooper, was stolen on October 3, 2010, from a street in Woodbridge, NJ, when the vehicle had been towed and crushed in New York City in August of 2010.
Civil Penalty: $3,500

Dane A. Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Dane A. Ralph, knowingly provided false and misleading statements to his wife's, Ann Ralph, carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 21, 2010, in a recorded statement that he had observed and tried to start his wife's Isuzu Trooper the day prior to it being stolen when the car had, in fact, been towed on August 9, 2010, and crushed shortly thereafter in New York City.
Civil Penalty: $2,500

Karanja Jackson, Newark, NJ
Order #15-53334-03, March 31, 2016
Respondent, Karanja Jackson, did knowingly provide false and misleading information to Progressive Garden State Insurance Company in relation to a vehicle theft claim submitted on May 22, 2015. Specifically, Karanja Jackson misrepresented the theft of his vehicle, when, in fact, he was involved in a loss on May 22, 2015, prior to the submission of the vehicle theft claim.
Civil Penalty: $5,000

Renay C. Colligan, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Renay C. Colligan, provided a materially false statement on February 13, 2014, to CURE Auto Insurance Company when obtaining automobile insurance. Specifically, the respondent knowingly failed to disclose that Miguel A. Mendoza was the primary driver of her insured 2009 Honda and that his license was suspended.
Civil Penalty: $1,500

Miguel A. Mendoza, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Miguel A. Mendoza, conspired with another individual in that he knowingly had possession of an insured risk, a 2009 Honda; was the sole operator; garaged same at this home and was not listed as a driver on the other individual's policy with CURE Auto Insurance Company dated February 13, 2014.
Civil Penalty: $1,500

Jennifer Vasquez, Union City, NJ
Order #15-52121-35, February 10, 2016
Respondent, Jennifer Vasquez, knowingly submitted a false and misleading statement on an automobile application to CURE Insurance Company dated February 27, 2014. Specifically, she failed to disclose an additional household resident operator.
Civil Penalty: $1,500

Mary Reyes, Closter, NJ
Order #15-52836-35, February 10, 2016
Respondent, Mary Reyes, knowingly made a false and misleading statement on her automobile application to CURE Insurance Company dated March 10, 2011. Specifically, she failed to list a household licensed driver.
Civil Penalty: $1,500

Elizabeth Gayflor, Bayonne, NJ
Order #14-52146-35, February 10, 2016
Respondent, Elizabeth Gayflor, knowingly provided false and misleading information to CURE Insurance Company on a policy application dated December 18, 2008, and on subsequent renewal forms from 2009 through 2013. Specifically, Ms. Gayflor failed to list several household residents.
Civil Penalty: $1,500

David J. Banks, Wharton, NJ
Order #13-53085-35, February 10, 2016
Respondent, David J. Banks, on April 4, 2013, knowingly provided a false statement on an auto insurance application with CURE Insurance Company. Specifically, he failed to list a household resident driver.
Civil Penalty: $1,500

Tasha Cromartie, Paterson, NJ
Order #15-50904-35, February 10, 2016
Respondent, Tasha Cromartie, did knowingly provide Progressive Insurance false and misleading information on an automobile insurance policy application dated October 23, 2013, and on a renewal declaration page dated October 23, 2014, by not advising Progressive Insurance Company of an additional household operator.
Civil Penalty: $1,500

Luby Gunhan, Bogota, NJ
Order #15-51404-35, February 10, 2016
Respondent, Luby Gunhan, knowingly misrepresented information on her automobile application with CURE Insurance Company dated November 17, 2014. Specifically, she failed to list all licensed household members.
Civil Penalty: $1,500

Maryse Dambrevil, Irvington, NJ
Order #15-51563-35, February 10, 2016
Respondent, Maryse Dambrevil, knowingly provided false and misleading statement(s) to New Jersey Indemnity Insurance Group on November 1, 2013. Specifically, by failing to notify New Jersey Indemnity Insurance Group of a licensed household resident and driver of the policy vehicles.
Civil Penalty: $1,500

Juan Guerrero, Randolph, NJ
Order #13-53142-35, February 17, 2016
Respondent, Juan Guerrero, knowingly supplied false and misleading statements on two different Plymouth Rock Insurance policy applications dated April 30, 2012 and June 11, 2013. Specifically, by indicating that he was the owner and sole operator of seven different policy vehicles and that all of the policy vehicles were garaged at the policy address, when in fact there were several other people operating the policy vehicles and they were garaged at several different locations in New Jersey and New York.
Civil Penalty: $3,000

Todd Knowlden, East Rutherford, NJ
Order #14-52173-35, February 24, 2016
Respondent, Todd Knowlden, failed to list all licensed household drivers on his IFA Insurance Company’s vehicle questionnaires and renewals dated January 31, 2011 through February 25, 2013.
Civil Penalty: $1,500

Jean Halligan, Pompton Plains, NJ
Order #14-51087-35, February 24, 2016
Respondent, Jean Halligan, knowingly provided false and misleading information on her auto application with New Jersey Manufacturers Insurance Company in March 2009 and on all subsequent renewals up to March 2012. Specifically, Ms. Halligan stated she was married, when in fact, she had been divorced prior to the application. Additionally, Ms. Halligan concealed that another licensed driver was in full-time possession of an insured vehicle which was garaged and operated in Marlboro, NY, for the duration of the policy period 2009 through 2012.
Civil Penalty: $1,500

Xavier L. Salazar, Lyndhurst, NJ
Order #14-53167-35, February 24, 2016
Respondent, Xavier L. Salazar, failed to disclose a licensed household member and regular operator on CURE Automobile Insurance Company renewal application questionnaires on September 15, 2011, December 1, 2012 and September 18, 2013.
Civil Penalty: $1,500

Genevieve Desources Donazald, East Orange, NJ
Order #14-50664-35, February 24, 2016
Respondent, Genevieve Desources Donazald, on February 2, 2012, knowingly provided a false and misleading statement on an auto insurance application with Farm Friendly Casualty Insurance Company; specifically, failing to list an additional household resident driver.
Civil Penalty: $1,500

Lynn Bogstahl-Kaylor, Lavalette, NJ
Order #13-53633-35, February 25, 2016
Respondent, Lynn Bogstahl-Kaylor, knowingly provided false and misleading information to Drive New Jersey Insurance Company. Specifically, by submitting a statement of no loss on June 1, 2013 at 11:18 a.m. indicating that no household member had been involved in any motor vehicle accidents, no one operating a vehicle listed on Lynn Bogstahl-Kaylor's policy had been involved in an accident, and there had been no damage to or theft of any of the vehicles listed on the policy during the time period between 12:01 a.m. on May 26, 2013 and the time Lynn Bogstahl-Kaylor signed this document when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.  Lynn Bogstahl-Kaylor also advised Drive New Jersey Insurance Company on July 19, 2013 that she was involved in an accident on June 2, 2013, when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.
Civil Penalty: $1,500

Alan E. Thatcher, Waretown, NJ
Order #14-50827-10, February 29, 2016
Respondent, Alan E. Thatcher, submitted false and misleading information to NJM Insurance Company material to a claim relating to an October 29, 2012 date of loss. Specifically, Alan E. Thatcher submitted false information in an attempt to receive monetary compensation for property damage that he had already been compensated for by NJM Insurance Company in a prior claim.
Civil Penalty: $2,000

Cesar Necochea, Linden, NJ
Order #13-52875-03, February 29, 2016
Respondent, Cesar Necochea, did knowingly provide false and misleading information to AMICA Property and Casualty Insurance Company in relation to a vehicle theft claim submitted on December 17, 2012. Specifically, Respondent, Cesar Necochea, misrepresented the condition of the vehicle prior to the theft and failed to disclose of a previous loss.
Civil Penalty: $2,500

Catherine N. Courtot, Elizabeth, NJ
Order #15-52996-35, February 17, 2016
Respondent, Catherine N. Courtot, knowingly failed to disclose a licensed household resident on her application for automobile insurance with Plymouth Rock Assurance Company dated May 12, 2015.
Civil Penalty: $1,500

Jose Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly conspired with his father when he was not disclosed on the application for automobile insurance with New Jersey Skylands Insurance Association as a household resident and operator of a policy vehicle on the application dated February 20, 2014.
Civil Penalty: $500

Miguel Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly provided false and misleading information to New Jersey Skylands Insurance Association by not disclosing his son as a household resident and operator of a policy vehicle on the policy application dated February 20, 2014.
Civil Penalty: $1,500

Ryan A. Brown, Bradley Beach, NJ
Order #15-51250-35, February 23, 2016
Respondent, Ryan A. Brown, knowingly made a material misrepresentation to Progressive Garden State Insurance Company when he reported that his auto property damage loss occurred on March 3, 2015, when in fact the loss occurred on March 1, 2015 before 1:52 p.m. ET., prior to him adding collision coverage to his automobile insurance policy with Progressive on March 1, 2015 at 2:26 p.m. ET.
Civil Penalty: $2,500

Jodi Johnson Byers, Scotch Plains, NJ
Order #15-52439-35, February 23, 2016
Respondent, Jodi Johnson Byers, when adding a policy vehicle on March 6, 2013 knowingly failed to disclose to IFA Insurance Company of additional policy vehicle operators of her household and failed to disclose additional operators on her IFA policy renewal underwriting questionnaire dated January 15, 2015.
Civil Penalty: $1,500

Lauren Jefferson, Margate, NJ
Order #15-51916-35, February 9, 2016
Respondent, Lauren Jefferson, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on April 21, 2015 at 9:20 a.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, respondent, Lauren Jefferson, was involved in an at fault crash on April 21, 2015 at 8:10 a.m.  Additionally, this misrepresentation resulted in a third party claim to Progressive Insurance Company.
Civil Penalty: $2,500

Gail Maury, Englishtown, NJ
Order #15-52514-47, February 9, 2016
Respondent, Gail Maury, did knowingly provide materially false information on an application for pet insurance to Veterinary Pet Insurance on November 7, 2014 at 10:58 a.m., by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Gerson Gutierrez, Mount Laurel, NJ
Order #15-52433-04, February 17, 2016
Respondent, Gerson Gutierrez, did provide a materially false statement to Travelers Insurance Company by falsely misrepresenting the location of the accident to obtain a benefit he was not entitled.  More specifically, Gutierrez claimed the accident took place in Mount Laurel when in fact, the accident took place at Atco Dragway on April 21, 2015.
Civil Penalty: $5,000

Jose R. Castro, Elizabeth, NJ
Order #12-52240-08, February 25, 2016
Respondent, Jose R. Castro, did knowingly conspire with another individual to make false statements to Progressive Casualty Insurance Company concerning the purported theft of a vehicle on April 14, 2012.
Civil Penalty: $5,000

Samantha A. Rosa, Vineland, NJ
Order #14-53994-35, February 29, 2016
Respondent, Samantha A. Rosa, did knowingly provide a materially false statement to CURE Auto Insurance Company on March 6, 2014, by failing to disclose another individual as the primary driver of the 1994 Acura Integra automobile listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Mario Reyes, Somers Point, NJ
Order #14--53166-35, February 17, 2016
Respondent, Mario Reyes, did knowingly provide a materially false statement to CURE Auto Insurance Company on an automobile insurance policy dated September 1, 2010, and renewal questionnaires dated August 16, 2011 and July 6, 2012, by failing to disclose that his girlfriend was a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Dominic Gagliostro, Clifton, NJ
Order #14-50054-33, January 21, 2016
Respondent, Dominic Gagliostro, as an employer, knowingly made misrepresentations on September 18, 2012 on a workman's compensation claim to Selective Insurance Company.  Specifically, Dominic Gagliostro provided a statement denying that a certain employee was injured while on the job, which would have effectively denied the benefit that said employee was entitled to.
Civil Penalty: $5,000

Laszlo Gere, Hasbrouck Heights, NJ
Order #14-52807-35, January 11, 2016
Respondent, Laszlo Gere, provided false and misleading information to Plymouth Rock Management Company of New Jersey on December 16, 2013, when he failed to disclose the commercial use of a 200 Ford Econoline Van on an application for personal automobile insurance.
Civil Penalty: $1,500

Victor Vega, Clifton, NJ
Order #15-50838-35, January 4, 2016
Respondent, Victor Vega, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company.  Specifically, by failing to list his wife as a licensed household driver on his automobile policy application request dated January 26, 2013, and again on a renewal form dated January 26, 2014.
Civil Penalty: $1,500

Tony Joisil, West Orange, NJ
Order #15-50495-04, January 4, 2016
Respondent, Tony Joisil, provided false and misleading information to Personal Service Insurance Company on November 16, 2014, after he secured an automobile policy on November 14, 2014, and later claimed to have had a crash on November 15, 2014, when in fact the crash occurred on November 14, 2014, just prior to the policy binding.
Civil Penalty: $3,500

Liliana P. Ocampo, Saddle Brook, NJ
Order #15-50293-04, January 4, 2016
Respondent, Liliana P. Ocampo, on April 2, 2013, failed to disclose two household operators on an application for automobile insurance with Mid Century Insurance/Farmers Insurance Group.
Civil Penalty: $1,500

Jeffrey I. Aron, Matawan, NJ
Order #12-51809-44, January 22, 2016
Respondent, Jeffrey I. Aron, knowingly submitted claims to Delta Dental of New Jersey, Cigna, and Horizon Blue Cross Blue Shield Dental, dated betwe0en April 19, 2011 and May 9, 2011, which contained false and misleading information.  Specifically, Dr. Aron submitted claims with backdated dates of service in order to receive reimbursement for services which were actually rendered after his license to practice dentistry had been suspended.
Civil Penalty: $2,500

Iris Quiones, Perth Amboy, NJ
Order #15-51707-35, January 21, 2016
Respondent, Iris Quiones, knowingly provided false and misleading information to IFA Insurance Company by not disclosing an additional household resident on her policy application dated September 23, 2014.
Civil Penalty: $1,500

Andre J. Vargas, Dunellen, NJ
Order #14-54175-35, January 7, 2016
Respondent, Andre J. Vargas, violated the New Jersey Insurance Fraud Prevention Act by conspiring with Mikisha D. Vargas on September 28, 2011 (application) and on October 4, 2014 (renewal) to Progressive Garden State Insurance Company. Andre J. Vargas was not disclosed on the policy as a resident and driver of the household.
Civil Penalty: $500

Vierge Chery, Union, NJ
Order #14-54211-35, January 6, 2016
Respondent, Vierge Chery, when applying for coverage on September 15, 2014, knowingly failed to disclose to Progressive Insurance Company an additional household resident operator.
Civil Penalty: $1,500

Tamara Jones, Union, NJ
Order #15-51256-35, January 6, 2016
Respondent, Tamara Jones, when providing a recorded statement of no loss on March 18, 2015 at 4:05 p.m., knowingly failed to disclose to Progressive Garden State Insurance Company of the auto loss that occurred on that same date at 1:40 p.m.
Civil Penalty: $3,500

Jaeho Shim, Edison, NJ
Order #15-52014-35, January 4, 2016
Respondent, Jaeho Shim, did provide materially false information to Selective Auto Insurance Company of New Jersey in obtaining an automobile insurance policy dated October 10, 2013, by knowingly failing to disclose that his son was a licensed driver and household resident.
Civil Penalty: $1,500

Gary Stevens, Union, NJ
Order #15-51364-35, January 21, 2016
Respondent, Gary Stevens, when adding a 2011 Kia to his Drive New Jersey Insurance Company policy on September 20, 2014, knowingly failed to disclose an additional operator of this vehicle, and knowingly failed to disclose that this vehicle would be garaged at a location other than the policy address.
Civil Penalty: $1,500

Jeffrey A. Speight, Waldorf, NJ
Order #13-52890-31, January 11, 2016
Respondent, Jeffrey A. Speight, did knowingly provide materially false information with USAA General Indemnity Company on or about December 12, 2011, by falsely claiming he resided in Willingboro, NJ, when in fact, he resided in Philadelphia.
Civil Penalty: $2,500

John McGowan, Bayville, NJ
Order #15-51558-35, January 11, 2016
Respondent, John McGowan, did provide a materially false statement to CURE Auto Insurance Company on December 17, 2014, when renewing automobile insurance, by knowingly failing to disclose a household member with a suspended New Jersey Driver’s license; and whereas, respondent, John McGowan, knowingly supplied material false information to CURE Auto Insurance Company on March 3, 2012, by acknowledging he was the owner of the insured 2003 Dodge Ram, when in fact, the vehicle was purchased, titled and registered to another individual.
Civil Penalty: $1,500

Miriam E. Flaer, Cinnaminson, NJ
Order #12-54255-24, January 11, 2016
Respondent Miriam E. Flaer, did cause claims to be submitted to Aetna Insurance Company between October 2011 and May 2013 for eight prescriptions that she obtained from multiple pharmacies and under the names of multiple physicians during periods when those prescriptions would have been denied due to early refills had she used one pharmacy.
Civil Penalty: $3,500

Barbara L. Dailey, Northfield, NJ
Order #13-50133-12, January 21, 2016
Respondent, Barbara L. Dailey, knowingly provided false and misleading information to Travelers Insurance Company; specifically by stating her ring was stolen from her home on April 12, 2013, when in fact, it was not stolen.
Civil Penalty: $5,000

Wonmi Rooney, West New York, NJ
Order #15-51242-35, January 21, 2016
Respondent, Wonmi Rooney, did knowingly provide materially false information during a statement of no loss on February 23, 2015, to Progressive Insurance Company, by indicating that neither she nor any member of her household had been involved in an at fault motor vehicle accident during the lapse period of February 13, 2015 and February 23, 2015, when in fact she was involved in a motor vehicle accident on February 22, 2015 at 4:40 p.m.
Civil Penalty: $3,500

Griselle Gomez, Paterson, NJ
Order #15-51349-35, January 27, 2016
Respondent, Griselle Gomez, provided false and misleading information to IFA Insurance Company on an automobile insurance application dated August 8, 2014, on an underwriting questionnaire dated August 11, 2014, and on an undisclosed driver certification dated October 27, 2014.  Specifically, she failed to disclose two household residents.
Civil Penalty: $1,500

Danielle R. Falasca, Garwood, NJ
Order #14-52551-35, January 27, 2016
Respondent, Danielle Falasca, failed to disclose a licensed household resident to IFA Insurance Company on February 6, 2014, when she filed an undisclosed driver certification and addition of car form.
Civil Penalty: $1,500

Allison Zeno, Lincoln Park, NJ
Order #15-52177-35, January 27, 2016
Respondent, Allison Zeno, failed to notify CURE Insurance Company on a 2015 auto insurance renewal that a policy vehicle was operated exclusively by a family member who did not reside at the policy address.
Civil Penalty: $1,500

Salvatore S. Mummiani, Hawthorne, NJ
Order #15-50029-35, January 27, 2016
Respondent, Salvatore S. Mummiani, knowingly made a false and misleading statement on his automobile application to CURE Insurance Company dated April 29, 2013.  Specifically, he failed to list a household member as a licensed driver.
Civil Penalty: $1,500

Denise Banks, Newark, NJ
Order #11-23067-33, January 27, 2016
Respondent, Denise Banks, knowingly filed and presented false and misleading information regarding an accident that occurred on January 19, 2011, in the City of Orange, New Jersey, while in the performance of her duties as a police officer.  Specifically, Ms. Banks claimed she was struck while parked in her police unit by a hit and run truck, when in fact she caused the accident while backing onto the roadway.  This misinformation generated a false Insurance Claim with the Hanover Insurance Company.
Civil Penalty: $5,000

Yolanda Dominguez, Emerson, NJ
Order #15-50795-35, January 27, 2016
Respondent, Yolanda Dominguez, when applying for coverage on August 5, 2013, with New Jersey Indemnity Company and on August 5, 2009, with Twin Lights Insurance Company, knowingly provided misinformation material to her policy by failing to disclose a licensed policy household resident operator and that she was separated.
Civil Penalty: $3,000

Pedro L. Martinez, Atlantic City, NJ
Order #14-52991-35, January 27, 2016
Respondent, Pedro L. Martinez, did knowingly provide a materially false statement to CURE Auto Insurance Company on February 20, 2013, on an initial application, and on December 1, 2013, on a CURE renewal application questionnaire, by failing to disclose that a co-owner and the primary driver of the 2007 Nissan Altima automobile listed on that policy, and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

David A. Baxter, III, Mount Ephraim, NJ
Order #14-53078-35, January 27, 2016
Respondent, David A. Baxter, III, did provide a materially false statement to CURE Auto Insurance Company on May 1, 2014, in obtaining automobile insurance, by knowingly failing to disclose his wife was a resident in his household and had a suspended driver’s license; and failed to disclose his stepdaughter was a resident in his household with a New Jersey driving permit.
Civil Penalty: $1,500