Fabian Villanueva, Millville, NJ
Order #23-53049-04, September 3, 2024
Respondent, Fabian Villanueva, did knowingly provide materially false information to CSAA Insurance Exchange Group on July 18, 2023, in support of an automobile property damage claim.  Respondent reported that the loss occurred on July 15, 2023, between 3 and 3:30 p.m., when, in fact, the loss occurred prior to the policy inception.
Civil Penalty: $2,500

Allison Maziarz, Monroeville, NJ
Order #21-52864-35, September 10, 2024
Respondent, Allison Maziarz, did knowingly provide materially false information to the Progressive Group of Insurance Companies on August 16, 2021, by providing a false Statement of No Loss during reinstatement of her automobile Insurance policy, and by reporting a false time of loss while pursuing her claim for damages to her automobile during a recorded statement on August 17, 2021.
Civil Penalty: $2,500

Toniann Maisano
Order #23-51310-39, September 10, 2024
Respondent, Toniann Maisano, did knowingly provide materially false information on an application for life insurance to Fidelity Security Life Insurance Company on September 6, 2022, by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Antoine F. Williams, Wallington, NJ
Order #23-52248-04, September 10, 2024
Respondent, Antoine F. Williams, did knowingly provide materially false information to the Progressive Group of Insurance Companies on April 14, 2023, when pursuing an auto property damage claim. Specifically, Mr. Williams' vehicle damage showed dents to the left rear quarter panel when he brought it to the body shop for repairs, when, in fact, this damage did not exist at the accident scene.
Civil Penalty: $3,500

Tiwadayo Sam-Odusina, Leonia, NJ
Order #23-52637-04, September 10, 2024
Respondent, Tiwadayo Sam-Odusina, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on May 22, 2023, in an online claim and on May 23, 2023, in a recorded statement, by stating that a loss occurred to her policy vehicle on May 20, 2023, when, in fact, the loss occurred prior to the lowering of her collision deductible on May 10, 2023.
Civil Penalty: $3,000

Janae B. Walters, Vineland, NJ
Order #24-51884-04, September 10, 2024
Respondent, Janae B. Walters, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during the submission of an automobile property damage claim First Notice of Loss on March 9, 2024, and during a recorded call on March 11, 2024, by initially reporting two (2) separate claims, then recanting her initial claim after being informed she would be responsible for two separate $1,000 deductibles.
Civil Penalty: $2,500

Edgardo Sarmiento Sosa, Mays Landing, NJ
Order #24-52171-35, September 10, 2024
Respondent, Edgardo Sarmiento Sosa, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial automobile application on March 9, 2024, by failing to disclose another individual as a driver of the policy vehicle and as a household resident. Additionally, the subject insured a vehicle that he did not own nor had any interest in.
Civil Penalty: $1,500

Tiara Johnson, Pleasantville, NJ
Order #24-52355-04, September 10, 2024
Respondent, Tiara Johnson, did knowingly provide materially false information to CURE Auto Insurance Company on February 22, 2024, on a First Notice of Loss call by submitting an automobile property damage claim for her vehicle, knowing she had already been paid for the damage by GEICO.
Civil Penalty: $3,500

Hanan A. Dannoun, Paterson, NJ
Order #23-51430-35, September 18, 2024
Respondent, Hanan A. Dannoun, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an auto application dated December 21, 2022, by failing to list a licensed household member on her policy.
Civil Penalty: $1,500

Jasmine Wimberly, Mahwah, NJ
Order #23-52218-51, September 18, 2024
Respondent, Jasmine Wimberly, knowingly provided false and misleading information on a Statement of No Loss provided to the Progressive Insurance Company dated May 16, 2023, at 4:04 p.m.  Specifically, Ms. Wimberly indicated that she was not involved in any accidents or losses during the policy lapse period starting on April 28, 2023, when, in fact, she was involved in an at-fault accident earlier that same day. Respondent, Jasmine Wimberly, knowingly provided false and misleading statements to Progressive Insurance Company when pursuing an auto property damage claim dated May 16, 2023.  Specifically, Ms. Wimberly stated that the accident happened at 5 p.m., when, in fact, the crash occurred at 3:59 p.m., when she knew there was no coverage in effect.
Civil Penalty: $4,000

Steven Duncan, Hackensack, NJ
Order #23-53899-35, September 18, 2024
Respondent, Steven Duncan, knowingly provided false and misleading information to Citizens United Reciprocal Exchange (CURE) Insurance Company on an automobile application dated December 27, 2022. Specifically, Mr. Duncan failed to disclose that he rents his 2014 Chevrolet Corvette to other drivers and that it would be operated by undisclosed drivers.
Civil Penalty: $2,500

Cesar Yunda, Hackensack, NJ
Order #23-54854-35, September 18, 2024
Respondent, Cesar Yunda, knowingly provided false and misleading information to Progressive Insurance Company on an auto application dated July 24, 2023, by failing to disclose a household resident. Additionally, in September 2023, Progressive notified Mr. Yunda that he would need to add a newly licensed driver who is a regular operator to his policy.  On October 5, 2023, Mr. Yunda added this driver only to remove the driver on October 6, 2023.
Civil Penalty: $1,500

Gabriella Leogrande, Southampton, PA
Order #23-55195-47, September 18, 2024
Respondent, Gabriella Leogrande, did knowingly provide false and misleading information to Nationwide Insurance Company between the dates of October 2, 2022 and September 18, 2023 by filing 24 individual claims for reimbursement of payment and failing to disclose employee discounts totaling $5,457.26.
Civil Penalty: $1,500

Ulyana Kats AKA Ulyana Yagodintseva, Manalapan, NJ
Order #23-50622-35, September 25, 2024
Respondent, Ulyana Kats AKA Ulyana Yagodintseva, knowingly misrepresented facts to New Jersey Manufacturers Insurance Company during a recorded call on October 29, 2015, when she failed to disclose her husband, Albert Kats, who was a licensed, household member when she applied for auto insurance, and when she failed to list him on renewal questionnaires which she dated and signed on September 16, 2016, September 8, 2017 and September 9, 2018.
Civil Penalty: $1,500

Michel Louis, Linden, NJ
Order #23-50054-35, August 5, 2024
Respondent, Michel Louis, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on October 3, 2022 on his auto insurance application by failing to disclose an additional operator and household resident.
Civil Penalty: $1,500

Aniyah Thompson, Linden, NJ
Order #23-54935-51, August 5, 2024
Respondent, Aniyah Thompson, did knowingly provide false and misleading information to Progressive Insurance Company on a Statement of No Loss dated October 22, 2023.  Specifically, Ms. Thompson reinstated her automobile insurance policy by indicating that her vehicle had not been involved in any accidents or losses since the policy lapse date of October 20, 2023, when, in fact, her vehicle was involved in an accident prior to the policy reinstatement on October 22, 2023.
Civil Penalty: $2,500

Jennifer Ruiz, Prospect Park, NJ
Order #24-51079-47, September 5, 2024
Respondent, Jennifer Ruiz, did knowingly provide materially false information to MetLife Insurance Company on September 6, 2023, by submitting an altered invoice in support of a pet insurance claim.
Civil Penalty: $1,500

Nyante Anderson, Voorhees, NJ
Order #22-51350-03, August 7, 2024
Respondent, Nyante Anderson, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 25, 2022, during a recorded statement for a theft claim, by reporting the theft of a 2015 Ford Fusion, when, in fact, she knew the vehicle had been in an accident while being driven by an individual that she knew.
Civil Penalty: $2,500

Francis Kanapi, Philadelphia, PA
Order #23-53558-31, August 7, 2024
Respondent, Francis Kanapi, did knowingly provide materially false information to Progressive Garden State Insurance Company on June 3, 2023, on an application for automobile insurance and in a subsequent call on August 14, 2023, by stating that his vehicle was garaged in New Jersey, when, in fact, it was garaged in Pennsylvania.
Civil Penalty: $2,500

Kara Brower, Point Pleasant Borough, NJ
Order #23-53792-04, August 7, 2024
Respondent, Kara Brower, did knowingly provide materially false information to Progressive Garden State Insurance Company on multiple claim submissions and on June 1, 2023, during a recorded statement by indicating that the windshield damage occurred after the addition of glass coverage to the automobile policy, when, in fact, the damage occurred prior.
Civil Penalty: $2,000

Daniel Saint-Germain, East Orange, NJ
Order #23-54624-04, August 7, 2024
Respondent, Daniel Saint-Germain, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in an online claim to Safelite on October 5, 2023 and in a recorded statement on October 5, 2023, by providing the date of loss to his policy vehicle as October 2, 2023 when, in fact, the loss occurred prior to the addition of glass coverage to his policy on September 28, 2023.
Civil Penalty: $1,500

Soumyadee Halder, Waukegan, IL
Order #24-50384-04, August 7, 2024
Respondent, Soumyadee Halder, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies while pursuing an auto property damage claim on his insured 2008 Volkswagen Jetta. Specifically, Respondent stated that the theft of his catalytic converter on his insured vehicle occurred on January 5, 2024 when, in fact, the theft occurred on December 30, 2023 prior to him adding comprehensive coverage later that day.
Civil Penalty: $1,500

Warren Spivey, Jr., Millville, NJ
Order #24-50750-51, August 7, 2024
Respondent, Warren Spivey, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on a Statement of No Loss when he stated that no person or vehicle listed on his automobile insurance policy was involved in an accident or loss between the dates the policy canceled for nonpayment on February 9, 2024, at 12:01 a.m. and the Statement of No Loss date of February 10, 2024, at 8:24 p.m. when, in fact, the Respondent and his vehicle were involved in an automobile accident during the lapse period.
Civil Penalty: $2,500

Corinth Pernell, Bridgeton, NJ
Order #24-51698-35, August 7, 2024
Respondent, Corinth Pernell, did knowingly provide materially false information to Plymouth Rock Assurance Corporation on a policy information questionnaire dated December 1, 2023. Specifically, the Respondent failed to disclose all licensed drivers of the policy vehicles.
Civil Penalty: $1,500

Priscila Tavares, Roselle, NJ
Order #19-54143-04, August 14, 2024
Respondent, Priscila Tavares, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an automobile property damage claim.  Specifically, Ms. Tavares reported that her vehicle was involved in an accident on September 4, 2019 around midnight, when, in fact, the vehicle was involved in a loss on September 4, 2019 (9:02 p.m.), which was prior to the policy inception on September 4, 2019 (10:30 p.m.).
Civil Penalty: $4,000

Anna Beth Williams, Maple Shade, NJ
Order #19-54591-35, August 14, 2024
Respondent, Anna Beth Williams, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company on a Statement of No Loss on December 21, 2018 at 8:10 a.m.  Specifically, Respondent stated that the insured vehicle, a 2018 Subaru Forrester, was not involved in any motor vehicle accidents and/or losses during the policy lapse period, when, in fact, the policy vehicle was involved in an accident on December 21, 2018 at 6:50 a.m. prior to the reinstatement of her policy.
Civil Penalty: $2,500

Berta Tejada, East Hanover, NJ
Order #19-55047-07, August 14, 2024
Respondent, Berta Tejada, knowingly conspired with another person to provide false and misleading information to Amica Mutual Insurance Company in pursuit of that person's automobile insurance injury claim dated March 19, 2019.  Specifically, Ms. Tejada stated that this individual resided at her policy address so that they would be eligible to pursue a Personal Injury Protection claim, when, in fact, this person was not a household resident and not eligible for these injury benefits.
Civil Penalty: $2,000

Gilmar Tejada, East Hanover, NJ
Order #19-55047-07, August 14, 2024
Respondent, Gilmar Tejada, knowingly conspired with another person to provide false and misleading information to Amica Mutual Insurance Company in pursuit of that person's automobile insurance injury claim dated March 19, 2019.  Specifically, Mr. Tejada stated that this individual resided at his policy address so that they would be eligible to pursue a Personal Injury Protection claim, when, in fact, this person was not a household resident and not eligible for these injury benefits.
Civil Penalty: $2,000

Reina Tejada, East Hanover, NJ
Order #19-55047-07, August 14, 2024
Respondent, Reina Tejada, knowingly provided false and misleading information to Amica Mutual Insurance Company in pursuit of an automobile injury claim dated March 19, 2019.  Specifically, Ms. Tejada stated that she resided in the Amica insured's household to pursue Personal Injury Protection benefits, when, in fact, she did not reside at the policy address and was not eligible for these benefits.
Civil Penalty: $3,000

Maria Becker, Springfield, VA
Order #21-52461-10, August 14, 2024
Respondent, Maria Becker, did knowingly provide false and misleading information to Liberty Mutual Insurance Company on a March 19, 2021 Homeowner Insurance Policy application, on a March 26, 2021 First Notice of Loss, and during a June 1, 2021 recorded interview by failing to disclose damage that occurred prior to the policy inception and by providing a false date of loss.
Civil Penalty: $3,000

Slawomir S. Okon, Jersey City, NJ
Order #22-53087-04, August 14, 2024
Respondent, Slawomir S. Okon, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on August 19, 2022, at 3:25 p.m., when purchasing a new motorcycle insurance policy.  Specifically, Mr. Okon indicated that the policy vehicle had not been damaged or involved in any accidents, when, in fact, he was involved in a loss earlier that very day, on August 19, 2022, at 2:50 p.m., prior to the new policy's inception.
Civil Penalty: $3,500

Julia L. Cardenas, Paterson, NJ
Order #23-50623-35, August 14, 2024
Respondent, Julia L. Cardenas, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on an automobile insurance application dated February 29, 2020, by failing to disclose a regular driver of the policy vehicle.
Civil Penalty: $1,500

Solaury Brown, East Orange, NJ
Order #23-52422-04, August 14, 2024
Respondent, Solaury Brown, did knowingly provide materially false information to Progressive Insurance Company when pursuing an auto property damage claim.  Specifically, Ms. Brown stated that she was involved in an accident on June 1, 2023 at 1 p.m., when, in fact, the accident occurred earlier that day prior to the inception of the auto policy.
Civil Penalty: $3,000

Jose Mendez-Pinon, Clifton, NJ
Order #23-52578-03, August 14, 2024
Respondent, Jose Mendez-Pinon, conspired with another individual when he provided false and misleading statements in support of an auto theft claim with Progressive Insurance Company dated April 18, 2023.
Civil Penalty: $3,000

Margarita Ponce-Martinez, Clifton, NJ
Order #23-52578-03, August 14, 2024
Respondent, Margarita Ponce-Martinez, supplied false and misleading statements when pursuing an auto theft claim with Progressive Insurance Company dated April 18, 2023.
Civil Penalty: $5,000

Driton Qavolli, Monmouth Junction, NJ
Order #23-53671-35, August 14, 2024
Respondent, Driton Qavolli, provided false and misleading information to Plymouth Rock Assurance Insurance Company on an application for automobile insurance dated February 13, 2023.  Specifically, Driton Qavolli failed to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,000

Clarileni Munoz, Wallington, NJ
Order #23-54596-39, August 14, 2024
Respondent, Clarileni Munoz, knowingly provided false and misleading information to Fidelity Security Life Insurance Company on an individual life insurance application dated June 25, 2023.  Specifically, Ms. Munoz failed to disclose her complete and accurate medical history.
Civil Penalty: $2,500

Robert J. Cobbs Jr., Morristown, NJ
Order #23-55007-51, August 14, 2024
Respondent, Robert J. Cobbs Jr., knowingly provided false and misleading information to Progressive Insurance Company on a Statement of No Loss dated September 29, 2023.  Specifically, Mr. Cobbs indicated that his vehicle was not involved in any accidents during the policy lapse period from September 9, 2023 to September 29, 2023 (8:36 a.m.), when, in fact, he was involved in a loss with the policy vehicle, earlier that same day.
Civil Penalty: $2,500

Alexa Y. Mueses Batista, Hamilton, NJ
Order #24-50073-51, August 14, 2024
Respondent, Alexa Y. Mueses Batista, did knowingly provide materially false information to Progressive Garden State Insurance Company on December 25, 2023, in submission of an automobile property damage claim, by providing a false Statement of Loss  purporting the insured vehicle did not suffer any losses during the policy lapse, when, in fact, the vehicle was involved in a loss prior to re-instatement.
Civil Penalty: $2,500

Julio A. Nunez, Jersey City, NJ
Order #24-50291-35, August 14, 2024
Respondent, Julio A. Nunez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated February 4, 2023.  Specifically, Mr. Nunez failed to disclose all licensed household residents and operators of the policy vehicle. Civil P
enalty: $1,500

Wilson Palacios Duran, Teaneck, NJ
Order #24-50960-35, August 14, 2024
Respondent, Wilson Palacios Duran, did knowingly conceal material information to Progressive Garden State Insurance Company during the policy term that incepted on September 16, 2023, by not disclosing all household members and drivers with access to policy vehicles.  Specifically, Mr. Palacios Duran's son became a permitted driver in October 2023, and he was never added to the auto policy as a resident or a driver.
Civil Penalty: $1,500

Sashakaye R. Reid, Brooklyn, NY
Order #21-52689-35, August 27, 2024
Respondent, Sashakaye R. Reid, did knowingly provide false and misleading information to GEICO Insurance Company on August 6, 2021, specifically by stating she took out the policy online on August 6, 2021, at 1:45 a.m., when, in fact, the policy was incepted at 2:46 a.m.
Civil Penalty: $1,500

Barrington Jackson, Elizabeth, NJ
Order #21-54220-04, August 27, 2024
Respondent, Barrington Jackson, did knowingly provide false and misleading statements in pursuit of an auto property damage claim with CURE Insurance Company dated September 28, 2021.  Specifically, Mr. Jackson stated that his vehicle was hit while parked, when, in fact, the damages occurred while the vehicle was in motion.
Civil Penalty: $3,000

Adrienne Reynolds, Newark, NJ
Order #21-54455-04, August 27, 2024
Respondent, Adrienne Reynolds, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in an online First Notice of Loss on November 11, 2021 by indicating the accident had occurred on November 9, 2021 at 10:15 a.m., when, in fact, it occurred prior.  Furthermore, Adrienne Reynolds did knowingly provide false and misleading information in a recorded call on November 11, 2021 by stating she was involved in an accident on November 9, 2021 after her policy inception when, in fact, the vehicle had been involved in an accident on November 9, 2021, prior to the inception of her policy.
Civil Penalty: $2,500

Jacinto Garcia Martinez, Bridgeton, NJ
Order #23-51841-48, August 27, 2024
Respondent, Jacinto Garcia Martinez, did knowingly make materially false statements to Dairyland Insurance Company on January 19, 2023 on a Tennessee automobile application, by stating his address and the garaging location of the insured vehicle was in Spring City, TN, when, in fact, the subject maintains a principle residence in New Jersey and operates the insured motor vehicle on the public highways of New Jersey.
Civil Penalty: $2,500

Akiri J. Roberts, Newark, NJ
Order #23-52506-35, August 27, 2024
Respondent, Akiri J. Roberts, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on March 14, 2023, and May 5, 2023, when obtaining automobile insurance for a 2020 Hyundai Elantra that she was not entitled to.  Specifically, Respondent used her grandmother's personal identification to obtain an automobile policy as Respondent had a prior Progressive Insurance automobile policy that was canceled.  Furthermore, on May 6, 2023, Respondent lowered her comprehensive and collision deductibles and later submitted a claim for automobile damage to the policy vehicle on May 9, 2023, when, in fact, the damage occurred on May 5, 2023, prior to the policy inception.
Civil Penalty: $3,500

Jeffrey Villamarin, Elizabeth, NJ
Order #23-53139-47, August 14, 2024
Respondent, Jeffrey Villamarin, knowingly provided false and misleading information to American Pet Insurance Company/Pets Best Insurance Company by submitting altered invoices for dates of service September 26, 2022 and October 10, 2022 when, in fact, the dates of service were September 9, 2022 and September 17, 2022, prior to the policy's effective date.
Civil Penalty: $2,000

Tennyson Raghubir, Sr., Willingboro, NJ
Order #23-54770-31, August 27, 2024
Respondent, Tennyson Raghubir, Sr., did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on August 7, 2023, by indicating that the policy address and garaging location of the policy vehicles was in Willingboro, NJ when, in fact, the vehicles were garaged in Brooklyn, NY.
Civil Penalty: $2,500

Kevin Lazon, Lodi, NJ
Order #24-50098-04, August 27, 2024
Respondent, Kevin Lazon, did knowingly provide false and misleading information to Progressive Insurance Company on December 22, 2023, when pursuing an auto property damage claim.  Specifically, Mr. Lazon stated on December 13, 2023 he was involved in an auto accident sometime after he purchased insurance, when, in fact, the crash occurred prior to the inception of the new policy.
Civil Penalty: $3,000

Anh Nguyen, Jersey City, NJ
Order #24-50326-47, August 27, 2024
Respondent, Anh Nguyen, did knowingly provide materially false information to National Specialty Insurance Company in support of a claim related to her canine, Missy Nguyen, dated August 25, 2023. Specifically, Ms. Nguyen altered the date of an invoice in an attempt to receive a benefit she was not entitled to.
Civil Penalty: $2,500

April Lanphere, Clayton, NJ
Order #24-50424-35, August 27, 2024
Respondent, April Lanphere, did knowingly make a materially false statement to New Jersey Manufacturers Insurance Company on May 1, 2023, during a policy change when she added a 2010 lnfiniti to an automobile policy.  Specifically, the Respondent indicated she was the sole operator of the 2010 lnfiniti and garaged it in Clayton, NJ, when, in fact, the 2010 lnfiniti was being operated by another individual and garaged in Jackson, NJ.
Civil Penalty: $2,500

Susie Philippeaux, East Orange, NJ
Order #23-54450-35, August 28, 2024
Respondent, Susie Philippeaux, did knowingly provide false or misleading information to New Jersey Manufacturers Insurance Company (NJM) during an automobile insurance application recorded call on November 3, 2022, and on two subsequent dates by failing to disclose a licensed driver and resident of the household.
Civil Penalty: $1,500

Mercedes Cruz, Newark, NJ
Order #23-55394-35, July 9, 2024
Respondent, Mercedes Cruz, knowingly provided false and misleading information to Citizens United Reciprocal Exchange (CURE) Insurance Company on an automobile insurance policy application dated March 1, 2022, and a policy renewal dated December 5, 2022.  Firstly, Ms. Cruz failed to disclose a licensed resident and driver of the policy vehicle.  Additionally, Ms. Cruz listed her home address in Kearny, NJ, when in fact, she primarily resided and garaged her vehicle in Newark, NJ.
Civil Penalty: $2,500

Brianna Summers, Newark, NJ
Order #22-54216-04, July 9, 2024
Respondent, Brianna Summers, did knowingly make a material misrepresentation to the Progressive Group of Insurance Companies when submitting an automobile claim for her 2017 Honda Civic.  Specifically, Respondent reported damage to her policy vehicle on November 19, 2022 at 11:55 p.m., however, it was determined that the damage to her policy vehicle occurred on November 19, 2022 at 2:37 a.m., prior to the policy inception.
Civil Penalty: $2,500

Arun Kumar Parasuram, Rutherford, NJ
Order #23-55331-04, July 9, 2024
Respondent, Arun Kumar Parasuram, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on November 28, 2023, by claiming that the damage to his 2013 BMW 328 on November 27, 2023, when, in fact, it occurred on November 22, 2023, prior to him lowering his comprehensive and collision deductible.
Civil Penalty: $1,500

Pedro Pinguil Alvarez, Irvington, NJ
Order #22-53636-35, July 23, 2024
Respondent, Pedro Pinguil Alvarez, did knowingly mispresent a material fact on an auto insurance application dated on January 21, 2022, by failing to disclose a household member and regular operator of the policy vehicle.
Civil Penalty: $1,500

Daisy Chavez, Elmwood Park, NJ
Order #23-53614-35, July 23, 2024
Respondent, Daisy Chavez, knowingly provided false and misleading statements on an automobile insurance policy application submitted to New Jersey Manufacturers Insurance Company on October 9, 2021, and a policy renewal dated March 24, 2022. Specifically, Ms. Chavez failed to disclose a licensed household resident.
Civil Penalty: $1,500

Mittali V. Mehta, Clifton, NJ
Order #23-50519-04, July 23, 2024
Respondent, Mittali V. Mehta, did knowingly provide materially false information to Progressive Insurance Company on an auto property damage claim dated January 11, 2023.  Specifically, Ms. Mehta misrepresented the date of loss to secure coverage for windshield damage that had occurred prior to her significantly lowering the deductible.
Civil Penalty: $1,500

Carolina Prieto, Brooklyn, NY
Order #23-52421-31, July 23, 2024
Respondent, Carolina Prieto, did knowingly provide false and misleading information on an auto application with Drive New Jersey Insurance Company dated September 8, 2022. Specifically, Ms. Prieto provided a New Jersey address as her home and the location of her insured vehicle, when in fact, she primarily resided and garaged her vehicle in New York.
Civil Penalty: $2,000

Shawn I. Zubkov, Brooklyn, NY
Order #23-53025-51, July 23, 2024
Respondent, Shawn I. Zubkov, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a statement of No Loss dated July 10, 2023 (12:05 p.m.).  Specifically, Mr. Zubkov indicated that his vehicle had not been in any accidents since the policy lapsed on June 23, 2023, when in fact, his car was involved in an accident earlier the same day.
Civil Penalty: $2,500

Chris Schmitz, Helmetta, NJ
Order #23-53044-04, July 23, 2024
Respondent, Chris Schmitz, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies when pursuing an automobile damage claim.  Specifically, Respondent made multiple windshield damage claims on two separate dates (June 21, 2023 and June 28, 2023) when, in fact, the damage occurred prior to the insured adding glass coverage to his policy on June 22, 2023.  Furthermore, in a statement to the carrier on June 20, 2023, the insured was asked if his insured vehicle had any prior glass damage which the insured denied.  It was determined that the insured filed a glass claim for the same insured vehicle with the Progressive Group of Insurance Companies on February 25, 2023 for a date of loss of September 1, 2022.
Civil Penalty: $2,500

Robert Williams, North Brunswick, NJ
Order #23-53811-35, July 23, 2024
Respondent, Robert Williams, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on his auto insurance application on May 13, 2023, by failing to list all household residents and regular operators of the policy vehicle.
Civil Penalty: $1,500

Deardre Spencer, Elizabeth, NJ
Order #23-54522-10, July 23, 2024
Respondent, Deardre Spencer, did knowingly provide materially false and misleading information to American Bankers Insurance Company of Florida (Assurant Group) in support of a renters claim dated October 14, 2023 as a result of a burglary.  Specifically, Respondent altered a police report that was submitted to the carrier in support of a claim to reflect a date of loss occurring on July 8, 2023, when, in fact, the original police report was dated July 3, 2023, which was prior to the purchase of the renters policy dated July 4, 2023.
Civil Penalty: $2,500

Brett C. Weiss
Order #24-50072-10, July 23, 2024
Respondent, Brett C. Weiss, did knowingly provide materially false information to USAA Casualty Insurance Company during the submission of a property damage claim on December 19, 2023, by providing a false date and time of a loss that was after the policy inception.
Civil Penalty: $2,000

Param Malhi, Lumberton, NJ
Order #24-50192-51, July 23, 2024
Respondent, Param Malhi, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company on October 6, 2023, by indicating that no losses occurred during a Statement of No Loss call, knowing that a loss occurred earlier that day during the lapse period.  This misrepresentation resulted in a third-party claim.
Civil Penalty: $2,500

Diana L. Almonte, Perth Amboy, NJ
Order #24-50460-52, July 23, 2024
Respondent, Diana L. Almonte, did knowingly provide false and misleading information to National Specialty Insurance Company on November 24, 2023 on an application for a New Jersey Special Automobile Insurance Policy, by failing to disclose that she owns another vehicle and is the named insured on an automobile liability policy.
Civil Penalty: $1,000

Maria G. Xochihuila-Luna, Howell, NJ
Order #24-50469-35, July 23, 2024
Respondent, Maria G. Xochihuila-Luna, knowingly provided false and misleading information to Plymouth Rock Assurance Corporation on an automobile insurance application dated April 24, 2023 by failing to disclose household member(s).  Additionally, Respondent indicated that she was registered owner of both policy vehicles when, in fact, she was not.
Civil Penalty: $1,500

Melissa Blount, Vineland, NJ
Order #24-51267-04, July 23, 2024
Respondent, Melissa Blount, did knowingly provide materially false information on an automobile insurance claim dated January 30, 2024, and in a subsequent conversation on February 1, 2024, with the Progressive Group of Insurance Companies, by falsely claiming her vehicle was damaged on January 30, 2024, after coverage was added to her policy, when, in fact, the loss occurred prior to the addition of glass coverage.
Civil Penalty: $1,500

Jajuan McDonald, Somerdale, NJ
Order #24-51495-35, July 23, 2024
Respondent, Jajuan McDonald, did knowingly make material misrepresentations to Progressive Drive New Jersey Insurance Company on March 15, 2024, and in subsequent recorded conversations in support of an automobile property damage claim.  Specifically, he misrepresented the factual date of loss reporting the loss occurred on March 10, 2024, when, in fact, the loss occurred on March 2, 2024, which was prior to policy inception.
Civil Penalty: $2,500

Fatoumata Balde, Burlington, NJ
Order #24-51721-35, July 23, 2024
Respondent, Fatoumata Balde, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on March 6, 2024, on an application for insurance and in subsequent phone calls on March 26, 2024, March 27, 2024, and April 1, 2024.  Specifically, Respondent failed to disclose another individual as a household resident and operator of the policy vehicle.
Civil Penalty: $1,500

Wanda Ford, West Deptford, NJ
Order #24-51966-35, July 23, 2024
Respondent, Wanda Ford, did knowingly provide materially false information to Progressive Garden State Insurance Company, during the amendment of the policy to add a vehicle on September 14, 2023, by failing to disclose an additional regular operator of the insured vehicle.
Civil Penalty: $1,500

Americo M. Flores, Newark, NJ
Order #20-53442-34, July 25, 2024
Respondent, Americo M. Flores, knowingly provided false and misleading information to Markel Insurance Company in pursuit of a watercraft fire claim dated May 9, 2020.  Specifically, Mr. Flores advised that the watercraft caught fire while he and another individual went to purchase oil, when in fact, Mr. Flores and the other individual intentionally set fire to the watercraft in an attempt to collect the insurance proceeds.
Civil Penalty: $5,000

Kinza Iqbal, Paterson, NJ
Order #22-53118-35, July 25, 2024
Respondent, Kinza Iqbal, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application dated August 27, 2022.  Specifically, Ms. Iqbal failed to disclose additional licensed resident drivers and regular operators of the policy vehicle.
Civil Penalty: $1,500

Raven E. Jefferson, Hackensack, NJ
Order #22-53136-04, July 25, 2024
Respondent, Raven E. Jefferson, did knowingly provide materially false information to Progressive Insurance Company on September 6, 2022, by misrepresenting the date of loss to secure coverage for windshield damage that had occurred prior to Ms. Jefferson adding the glass coverage.
Civil Penalty: $1,000

Elijah Iman, Lake Hiawatha, NJ
Order #23-51068-04, July 25, 2024
Respondent, Elijah Iman, knowingly made false and misleading statements when pursuing an auto property damage claim with New Jersey Manufacturers Insurance Company.  Specifically, Mr. Iman claimed that the damage to his front bumper was the result of an accident on December 17, 2021, when in fact, the damage occurred prior to him adding comprehensive and collision coverage on December 5, 2021.
Civil Penalty: $3,500

Adasia Mcleod, Elmwood Park, NJ
Order #23-51202-51, July 25, 2024
Respondent, Adasia Mcleod, knowingly provided false and misleading information to Progressive Garden State Insurance Company on a Statement of No Loss. Specifically, Ms. Mcleod indicated that the insured vehicle was not involved in any accidents, losses or claims between the cancellation date of October 5, 2022, and her request for reinstatement on October 14, 2022, when in fact, there was an accident earlier that same day.
Civil Penalty: $3,500

Paula Yrene Rodriguez De Polanco, Paterson, NJ
Order #23-53065-35, July 25, 2024
Respondent, Paula Yrene Rodriguez De Polanco, did knowingly provide materially false and misleading information to Progressive Insurance Company on an automobile insurance policy application dated October 28, 2022, and on a policy renewal dated March 24, 2023.  Specifically, Respondent failed to disclose all licensed household residents and drivers of the policy vehicle.
Civil Penalty: $1,500

Alex Brown, East Orange, NJ
Order #23-55285-04, July 25, 2024
Respondent, Alex Brown, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in support of an auto property damage claim.  Specifically, Mr. Brown stated that the crash involving the insured vehicle happened on December 3, 2023, when in fact, the loss occurred on November 26, 2023, prior to him adding comprehensive and collision coverage to his automobile insurance policy.
Civil Penalty: $3,000

Christopher Kempf, Berlin Township, NJ
Order #24-50325-35, July 25, 2024
Respondent, Christopher Kempf, did knowingly provide materially false Information to CURE (Citizens United Reciprocal Exchange) on an initial application for automobile insurance on October 12, 2022, by indicating that the policy address and garaging location of the insured vehicle was in New Jersey when, in fact, the vehicle was garaged In Pennsylvania.
Civil Penalty: $2,500

Raphael Brodt, Lakewood, NJ
Order #24-52531-35, July 25, 2024
Respondent, Raphael Brodt, did knowingly provide false and misleading information to Progressive Drive New Jersey Insurance Company when submitting an application for commercial automobile insurance on November 23, 2022.  Specifically, the Respondent failed to disclose all drivers of the policy vehicle.
Civil Penalty: $1,500

Anthony Nunez, Bloomfield, NJ
Order #23-52452-04, July 31, 2024
Respondent, Anthony Nunez, did knowingly provide materially false and misleading information in an online claim to GEICO Insurance Company on June 9, 2023 and in a subsequent recorded statement on June 13, 2023, by providing a date of loss of June 9, 2023, when, in fact, the loss occurred prior to the lowering of his comprehensive deductible on June 8, 2023.
Civil Penalty: $1,500

Celeste Carvalho, Matawan, NJ
Order #24-50433-35, July 31, 2024
Respondent, Celeste Carvalho, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in pursuit of a commercial automobile claim.  Specifically, Respondent provided a recorded statement on January 11, 2024 at 11:34 a.m. to the Progressive Group of Insurance Companies stating that she lowered her comprehensive and collision deductible on December 30, 2023, before her vehicle was stolen, however, it was determined that it was changed after her vehicle was stolen.
Civil Penalty: $2,000

John Kiernan, Carteret, NJ
Order #23-52405-35, June 4, 2024
Respondent, John Kiernan, knowingly provided materially false and misleading information to the
Progressive Group of Insurance Companies when pursuing an automobile windshield damage claim on May 10, 2023.  Specifically, Respondent lowered his comprehensive deductible from $500 to $100 on May 3, 2023 and then filed a windshield damage claim on May 10, 2023 knowing the damage occurred prior to him lowering his deductible.
Civil Penalty: $1,500

Shonette Trotman, East Orange, NJ
Order #22-53695-35, June 4, 2024
Respondent, Shonette Trotman, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company on an auto policy application dated May 20, 2019.  Specifically, Ms. Trotman insured a vehicle that was not registered or titled to her and failed to disclose the primary driver of the vehicle.
Civil Penalty: $1,500

Elena Bray, Mount Laurel, NJ
Order #23-54465-47, June 4, 2024
Respondent, Elena Bray, did knowingly provide materially false information to Nationwide Insurance Company on nine pet insurance claims from the time period between October 2021 and June 2023, by altering invoices to inflate prices for services rendered prior to submitting them for reimbursement.
Civil Penalty: $4,500

Zaida Chavez, Paterson, NJ
Order #23-55012-35, June 4, 2024
Respondent, Zaida Chavez, knowingly provided materially false information to Citizens United Reciprocal Exchange (CURE) Auto Insurance on an auto application dated June 16, 2022.  Specifically, Ms. Chavez listed an Elmwood Park, NJ location as her home and garaging address, when in fact, she was residing and garaging her vehicle in Paterson, NJ.
Civil Penalty: $2,000

David M. Benyola, 2nd, Old Bridge, NJ
Order #23-53366-04, June 6, 2024
Respondent, David M. Benyola, 2nd, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 18, 2023, in support of an automobile glass damage claim. Specifically, Respondent stated on an initial claim report on July 18, 2023, that glass damage to his vehicle occurred on July 16, 2023, when, in fact, the loss occurred prior to him adding a comprehensive window glass coverage with a $50 glass deductible to his policy on July 4, 2023.
Civil Penalty: $1,500

Yoseline Rodriguez, Trenton, NJ
Order #23-53922-52, June 6, 2024
Respondent, Yoseline Rodriguez, did knowingly provide materially false information on an application to State National Specialty Insurance Company on August 5, 2023, by indicating she was not covered for automotive liability by any other insurance carrier, when, in fact, she had a policy with New Jersey Personal Automobile Insurance Plan.
Civil Penalty: $1,000

John O'Connell, Jr., Egg Harbor Twp., NJ
Order #24-50572-04, June 6, 2024
Respondent, John O'Connell, Jr., did knowingly provide materially false information to Progressive Garden State Insurance Company on January 23, 2024, in support of an automobile glass damage claim by reporting the loss occurred after the addition of collision and comprehensive coverage with a $50 glass deductible to a 2016 Audi 05, when, in fact, the loss occurred prior to the policy change.
Civil Penalty: $1,500

Shonette Bynoe, Ozone Park, NY
Order #24-51464-31, June 6, 2024
Respondent, Shonette Bynoe, did knowingly provide materially false information on an application for automobile insurance to Plymouth Rock Assurance on October 10, 2023, by listing a New Jersey residential address, when, in fact, she was residing in New York.
Civil Penalty: $2,500

Eralda Bobadilla-Gonzalez, Delran, NJ
Order #24-51816-52, June 6, 2024
Respondent, Eralda Bobadilla-Gonzalez, did knowingly provide materially false information on an application to State National Specialty Insurance Company on December 26, 2023, by indicating she was not covered for automotive liability by another insurance carrier, when, in fact, she had a policy with New Jersey Personal Automobile Insurance Plan.
Civil Penalty: $1,000

Cassandra Cummings, Linden, NJ
Order #19-51348-12, June 11, 2024
Respondent, Cassandra Cummings, did knowingly provide materially false and misleading information to Allstate Insurance Company in support of a homeowner's property theft claim. Specifically, Ms. Cummings stated that a diamond ring had disappeared on October 13, 2018, and then submitted an appraisal that had been previously presented to American Bankers Insurance Company (Assurant) in support of a diamond ring theft claim dated December 23, 2016.
Civil Penalty: $5,000

Hugo Ferreira and HRFP Corporation, Branchburg, NJ
Order #19-53857-30, June 11, 2024
Respondents, Hugo Ferreira and HRFP Corporation, knowingly presented a fraudulent Certificate of Insurance to Acertec Enterprises, LLC, in order to obtain work as a subcontractor. Specifically, on or about May 24, 2019, Respondent presented a Certificate of Insurance to Acertec Enterprises, LLC, indicating that his company, HRFP Corporation, had valid general liability and workers compensation coverage when, in fact, no coverage existed.
Civil Penalty: $1,500

Gabriela Heredia, Fair Lawn, NJ
Order #22-53237-47, June 11, 2024
Respondent, Gabriela Heredia, provided false or misleading information to Nationwide Mutual Insurance Company on a pet insurance application dated February 26, 2022.  Specifically, Ms. Heredia failed to disclose her family's pet’s pre-existing medical conditions and accurate medical history.
Civil Penalty: $1,500

Yasmeen Puryear, Clementon, NJ
Order #22-53944-09, June 11, 2024
Respondent, Yasmeen Puryear, knowingly provided false and misleading statements to CURE Insurance Company when pursuing a Personal Injury Protection claim.  Specifically, Ms. Puryear completed a First Notice of Loss and an Application for Benefits dated June 22, 2022, stating that she sustained injuries in a motor vehicle accident on June 21, 2022, when in fact, she was not in the vehicle at the time of loss.
Civil Penalty: $4,000

Jodi Bassett, Summit, NJ
Order #23-55248-04, June 11, 2024
Respondent, Jodi Bassett, did knowingly provide false and misleading statements on an auto property damage claim with Progressive Insurance Company.  Specifically, Ms. Bassett pursued an auto rental claim stating that her vehicle was damaged from striking a pole on September 30, 2023, when in fact, the incident occurred on September 23, 2023, before she added rental coverage on her automobile insurance policy.
Civil Penalty: $3,000

Tammy Santiago, Sayreville, NJ
Order #23-54955-04, June 18, 2024
Respondent, Tammy Santiago, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 29, 2023, and October 30, 2023, in support of an automobile glass damage claim.  Specifically, Respondent, reported damage to her windshield on October 29, 2023, when, in fact, the damage was present prior to adding the glass coverage with a lower deductible.
Civil Penalty: $1,500

Kristy Zamorski, Cliffwood Beach, NJ
Order #23-51834-35, June 20, 2024
Respondent, Kristy Zamorski, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies when her auto insurance policy renewed on January 24, 2023, by failing to list all household residents and regular operators of the policy vehicle. Civil Penalty: $1,500

Pankaj Sheth, Morganville, NJ
Order #23-54229-35, June 20, 2024
Respondent, Pankaj Sheth, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on March 10, 2023, in an online application by failing to disclose that another individual was a regular operator of policy vehicles and/or household resident.
Civil Penalty: $1,500

Haneen Alabsi, Staten Island, NY
Order #21-53888-04, June 26, 2024
Respondent, Haneen Alabsi, knowingly provided a false and misleading statement when pursuing an auto property damage claim with Plymouth Rock Assurance Company. Specifically, Ms. Alabsi stated that her vehicle was damaged when it was driven through flood waters on October 4, 2021, when in fact, the damage occurred prior to the inception of her comprehensive coverage on September 7, 2021.
Civil Penalty: $5,000

Nelson Mieses, Secaucus, NJ
Order #22-50399-51, June 26, 2024
Respondent, Nelson Mieses, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company on a Statement of No Loss wherein he stated that no person or vehicle listed on his automobile insurance policy was involved in an accident or loss between the dates the policy canceled for non-payment on December 12, 2021 at 12:01 a.m., and the Statement of No Loss date of December 14, 2021 at 1:03 p.m., when, in fact, the Respondent was involved in an automobile accident on December 14, 2021 at 12:57 p.m. Additionally, this misrepresentation resulted in a third-party claim being presented.
Civil Penalty: $2,500

Iris E. Martinez, Elizabeth, NJ
Order #22-53750-04, June 26, 2024
Respondent, Iris E. Martinez, knowingly concealed relevant information from the Progressive Group of Insurance Companies when obtaining an automobile insurance policy on November 7, 2022, at 8:34 p.m.  Specifically, Ms. Martinez failed to disclose that she had been involved in an accident earlier that day at 4:04 p.m. Respondent also knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim and several possible auto PIP claims relating to a crash that occurred on November 7, 2022, at 4:04 p.m.  Specifically, Ms. Martinez insisted that her auto policy was obtained in the morning before the accident, when in fact, she purchased the policy over four (4) hours after the accident occurred.
Civil Penalty: $3,000

Tom Tran, Middletown, NJ
Order #23-50569-16, June 26, 2024
Respondent, Tom Tran, knowingly provided false and misleading information in pursuit of a commercial property damage claim with Zillion Insurance Company on August 15, 2024 and August 22, 2022 by claiming that the insured's Audemars Piguet watch was lost while on vacation in the Bahamas when, in fact, he never took possession of the watch.
Civil Penalty: $5,000

Sushant Ahirrao, East Brunswick, NJ
Order #23-52647-04, June 26, 2024
Respondent, Sushant Ahirrao, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on May 25, 2023 in an online claim and on June 6, 2023 in a recorded phone call, by stating that a loss occurred to his policy vehicle on June 3, 2023 when, in fact, the loss occurred on May 24, 2023, prior to the addition of glass coverage on May 25, 2023.
Civil Penalty: $1,500

Joshua Gacek, North Bergen, NJ
Order #23-53547-04, June 26, 2024
Respondent, Joshua Gacek, knowingly provided false and misleading statements to Progressive Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Gacek stated that damage to his vehicle was the result of an accident on July 26, 2023, when, in fact, the damage occurred on or about June 11, 2023, which was before he purchased comprehensive or collision coverage.
Civil Penalty: $2,700

Michael Perez-Parrales, River Vale, NJ
Order #23-53915-04, June 26, 2024
Respondent, Michael Perez-Parrales, knowingly provided false and misleading statements on an auto property damage claim submitted to GEICO Insurance Company on August 29, 2023.  Specifically, Mr. Perez-Parrales indicated that the loss occurred on August 23, 2023, at 9:19 a.m., when, in fact, the loss occurred on August 22, 2023, at 8:32 a.m. when there was no coverage in effect.
Civil Penalty: $3,000

Benny Melendez Amaro, Lakewood, NJ
Order #23-54366-35, June 26, 2024
Respondent, Benny Melendez Amaro, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on June 2, 2023, by failing to disclose an additional household member and operator of the insured vehicle(s).
Civil Penalty: $1,500

Anthony J. Gallagher III, Gloucester City, NJ
Order #23-54686-41, June 26, 2024
Respondent, Anthony J. Gallagher III, did knowingly make materially false statements to Northwestern Mutual Life Insurance Company on July 12, 2023, on an individual disability insurance application, by indicating he had not used marijuana in the last five years, when, in fact, he had.
Civil Penalty: $1,500

James Sinne, Burlington, NJ
Order #23-55039-35, June 26, 2024
Respondent, James Sinne, did knowingly provide materially false information to Progressive Insurance Company (Drive NJ) on an initial application for automobile insurance on April 24, 2023, by failing to disclose an unlicensed individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Brandon Hinton, Vineland, NJ
Order #24-50075-35, June 26, 2024
Respondent, Brandon Hinton, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on December 16, 2023, and during subsequent calls, in relation to an automobile property damage claim. Specifically, Respondent reported that the loss occurred on December 15, 2023, at 8:30 p.m., when, in fact, the loss occurred December 15, 2023, at approximately 8:30 a.m., prior to the policy inception.
Civil Penalty: $2,500

Quadiir P. Woody-Young, Plainfield, NJ
Order #23-51395-41, June 26, 2024
Respondent, Quadiir P. Woody-Young, provided false and misleading information to Trustmark Insurance Company in support of a disability claim dated August 13, 2022.  Specifically, Respondent, submitted medical records to Trustmark Insurance documenting treatment dates between September 8, 2022, and November 7, 2022, which never occurred.
Civil Penalty: $5,000

Wisthly Vignier, Elizabeth, NJ
Order #22-51552-04, May 1, 2024
Respondent, Wisthly Vignier, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of an auto property damage claim.  Specifically, Mr. Vignier obtained auto insurance on April 28, 2022 at 5:52 p.m., approximately 26 minutes after being involved in a motor vehicle accident at 5:26 p.m.  At a later date, Mr. Vignier reported the accident as occurring on April 28, 2022 at around 7 p.m.
Civil Penalty: $3,000

Michael Frankewicz, Lanoka Harbor, NJ
Order #22-53518-03, May 1, 2024
Respondent, Michael Frankewicz, did knowingly provide materially false information to New Jersey Manufacturers on October 8, 2022, during the submission of a theft claim, and during the submission of a vehicle theft loss questionnaire, by reporting the theft of a 2021 Keystone Bullet Camper, when, in fact, the camper was relocated with his knowledge.
Civil Penalty: $3,500

Karina Santana, Jersey City, NJ
Order #23-53470-34, May 1, 2024
Respondent, Karina Santana, did knowingly provide materially false and misleading information to Triton Insurance Company on several involuntary unemployment credit insurance claim forms.  Specifically, Ms. Santana stated that she was unemployed on five claim forms dated July 29, 2022, September 3, 2022, September 22, 2022, October 19, 2022, and November 9, 2022, when in fact, she returned to employment beginning on July 12, 2022.
Civil Penalty: $4,000

Virginia Klek, Hamilton, NJ
Order #24-50275-52, May 1, 2024
Respondent, Virginia Klek, did knowingly provide materially false information to State National Specialty Insurance Company on an initial application for automobile insurance on November 2, 2023, by failing to disclose she had a separate insurance policy with liability insurance.
Civil Penalty: $1,000

Mariama Toby, Trenton, NJ
Order #24-50288-35, May 1, 2024
Respondent, Mariama Toby, did knowingly make material misrepresentations to Plymouth Rock Assurance Corporation when submitting an application for automobile insurance on July 20, 2022, and during subsequent claim investigations.  Specifically, the Respondent failed to disclose all household residents and operators of the policy vehicles.
Civil Penalty: $1,500

Jose Yunga and Yunga & Son Construction, LLC, Delran, NJ
Order #24-50917-40, May 1, 2024
Respondents, Jose Yunga and Yunga & Son Construction, LLC, did knowingly provide materially false information during an audit to ARI Insurance Company on September 14, 2021, by misrepresenting the business operations and by failing to disclose additional employees.
Civil Penalty: $2,000

Lauarn Harvell, Mount Laurel, NJ
Order #21-52579-04, May 8, 2024
Respondent, Lauarn Harvell, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 3, 2021, in support of an automobile property damage claim.  Specifically, the Respondent indicated that the loss occurred after obtaining his automobile insurance policy when, in fact, the loss occurred prior to policy inception.
Civil Penalty: $2,500

Nicholas Bonamassa, Forked River, NJ
Order #23-54481-35, May 8, 2024
Respondent, Nicholas Bonamassa, did knowingly make materially false misrepresentations to Progressive Garden State Insurance Company on September 19, 2023, and on subsequent dates, in support of an automobile glass damage claim for his insured vehicle.  Respondent reported that the damage to his windshield occurred on September 19, 2023, when, in fact, the loss occurred prior to him lowering his comprehensive and collision deductibles.
Civil Penalty: $1,500

Makhpia-Sha K. Lewis, New York, NY
Order #22-50640-31, May 15, 2024
Respondent, Makhpia-Sha K. Lewis, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated April 7, 2021.  Specifically, Respondent, provided a New Jersey home address when, in fact, he primarily resides and garages his vehicle in New York.
Civil Penalty: $1,500

Marielys Guerrero AKA Marielys Guerrero Rodriguez, Bloomfield, NJ
Order #22-52617-51, May 15, 2024
Respondent, Marielys Guerrero AKA Marielys Guerrero Rodriguez, did knowingly make a material misrepresentation to New Jersey Manufacturers Insurance Company by providing a false Statement of No Loss, indicating she had no losses during the policy lapse when, in fact, she was involved in an in automobile accident during the lapse in coverage.
Civil Penalty: $2,500

Latisha Ramirez, Clifton, NJ
Order #22-52096-04, May 15, 2024
Respondent, Latisha Ramirez, did knowingly provide materially false and misleading information to Progressive Insurance Company when pursuing an automobile damage claim.  Specifically, Ms. Ramirez stated that the loss occurred on May 26, 2022, after adding a windshield glass deductible to the policy, when, in fact, the damage occurred prior to the coverage change.
Civil Penalty: $1,000

Chad B. Rankin, Burlington, NJ
Order #22-53950-04, May 15, 2024
Respondent, Chad B. Rankin, did knowingly provide materially false information on an application for insurance to Progressive Garden State Insurance Company on September 17, 2022, by purporting his 2018 SeaDoo RXT-X 300 was "Seaworthy", when, in fact, the vessel had been submerged and inoperable.  In addition, Chad B. Rankin, did knowingly provide materially false information to Progressive Garden State Insurance Company during the First Notice of Loss and during a subsequent recorded call on October 4, 2022, by purporting the 2018 SeaDoo RXT-X-300 suffered damage on September 25, 2022, when, in fact, the vessel suffered damage on September 17, 2022, prior to the inception of the policy.
Civil Penalty: $3,500

Kailah Johnson, Paterson, NJ
Order #23-52201-35, May 15, 2024
Respondent, Kailah Johnson, knowingly provided false and misleading information on an auto application submitted to the Progressive Group of Insurance Companies dated January 27, 2023.  Specifically, Ms. Johnson obtained the insurance coverage for another individual, and failed to list herself as a driver and owner of the policy vehicle.
Civil Penalty: $1,500

Ohyoung Kwon, Tenafly, NJ
Order #23-52979-09, May 15, 2024
Respondent, Ohyoung Kwon, did knowingly provide false and misleading information when adding a vehicle to her automobile insurance policy with Plymouth Rock Assurance dated April 22, 2022.  Specifically, Ms. Kwon failed to disclose the primary operator of the policy vehicle as well as the garaging location.
Civil Penalty: $2,500

Apolinar Montas Diaz, Hackensack, NJ
Order #23-54266-51, May 15, 2024
Respondent, Apolinar Montas Diaz, knowingly provided false and misleading information to Progressive Insurance Company on a Statement of No Loss. Specifically, Apolinar Montas Diaz indicated that his vehicle was not involved in any accidents during the policy lapse period of August 2, 2023 through August 14, 2023, when in fact, he was involved in a loss with the policy vehicle on August 11, 2023.
Civil Penalty: $2,500

Giorgi Avkopashvili, Bensalem, PA
Order #23-54826-04, May 15, 2024
Respondent, Giorgi Avkopashvili, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in a recorded statement on October 19, 2023 at 6:35 a.m. and again on October 19, 2023 at 11:06 a.m., by stating his policy vehicle sustained damage on October 17, 2023 when, in fact, the damage occurred prior to the lowering of his comprehensive deductible on October 5, 2023.
Civil Penalty: $1,500

Quiana Rice, Millville, NJ
Order #24-50523-35, May 15, 2024
Respondent, Quiana Rice, did knowingly conspire with another individual to provide materially false information to Progressive Garden State Insurance Company on April 4, 2023, when she and her vehicle were added to an automobile insurance policy.
Civil Penalty: $1,500

Jeremiah Watford, Bridgeton, NJ
Order #24-50523-35, May 15, 2024
Respondent, Jeremiah Watford, did knowingly conspire with another individual to provide materially false information to Progressive Garden State Insurance Company on April 4, 2023, when adding a driver and vehicle to his automobile insurance policy.  Specifically, the Respondent failed to disclose the true garaging location of the additional policy vehicle.
Civil Penalty: $2,500

Stephen Adu-Gyamfi, East Orange, NJ
Order #24-51517-35, May 21, 2024
Respondent, Stephen Adu-Gyamfi, did knowingly make material misrepresentations to Progressive Garden State Insurance Company when updating his automobile insurance policy information on November 6, 2023. Specifically, the Respondent stated that the policy vehicles would be garaged in Wenonah, NJ, when, in fact, the policy vehicles were garaged in East Orange, NJ.
Civil Penalty: $2,500

Alex Sanchez, Oradell, NJ
Order #22-53681-35, May 28, 2024
Respondent, Alex Sanchez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated July 28, 2021, and on a policy declaration endorsement dated February 23, 2022. Specifically, Mr. Sanchez failed to disclose all licensed residents and/or operators of policy vehicles.
Civil Penalty: $1,500

Samique S. Simpson, Patterson, NJ
Order #23-53052-31, May 28, 2024
Respondent, Samique S. Simpson, did knowingly provide materially false information to Progressive Garden State Insurance Company beginning on February 4, 2023, on her automobile insurance application and in subsequent filings and recordings by falsely claiming that she resided in New Jersey, when, in fact, she resided and primarily operated an insured vehicle in New York.
Civil Penalty: $2,500

Heather Keim, Hamilton, NJ
Order #24-50449-35, May 28, 2024
Respondent, Heather Keim, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on October 12, 2019, when adding a vehicle to her insurance policy.  Respondent failed to disclose the true garaging location and operator of the 2015 Ford Focus policy vehicle.
Civil Penalty: $2,500

Crystal Lee Dover, Millville, NJ
Order #24-51159-39, May 28, 2024
Respondent, Crystal Lee Dover, did knowingly provide materially false information to Fidelity Security Life Insurance Company on an application for life insurance on June 10, 2023, by failing to disclose a pre-existing medical condition and tobacco use.
Civil Penalty: $1,500

Rahleek Walker, Neptune, NJ
Order #23-51468-04, May 29, 2024
Respondent, Rahleek Walker, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in a recorded first Notice of Loss call on April 1, 2023, by stating that a loss occurred to his policy vehicle on March 31, 2023 at 10 a.m. when, in fact, the loss occurred on March 31, 2023 at 8:47 a.m., prior to the inception of his policy.
Civil Penalty: $2,500

Robert L. White, Ocean, NJ
Order #20-54064-49, May 29, 2024
Respondent, Robert L. White, did knowingly provide false and misleading information to The Hartford/Talcott Resolution on June 19, 2018, specifically by faxing a forged signature on a Form SH Lump Sum Payment Request form.
Civil Penalty: $3,500

Rajinder Saini, Bedminster, NJ
Order #23-53169-47, April 3, 2024
Respondent, Rajinder Saini, did knowingly provide materially false and misleading information to Crum & Forster Insurance Company on May 24, 2023 by submitting an altered invoice with a date of service of May 16, 2023 in support of a claim when, in fact, the date of service was April 10, 2023, prior to the policy inception.
Civil Penalty: $1,500

Miger Bardho, Paramus, NJ
Order #20-54571-35, April 10, 2024
Respondent, Miger Bardho, knowingly provided false and misleading information to Progressive Insurance Company on an automobile application dated October 20, 2020 by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Allen Carter, St. Albans, NY
Order #23-50693-31, April 10, 2024
Respondent, Allen Carter, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile policy dated December 2, 2022.  Specifically, Respondent provided a New Jersey address, when, in fact, his policy vehicle was primarily garaged in New York.
Civil Penalty: $2,500

Kamil Banusi, Lincoln Park, NJ
Order #23-51760-35, April 10, 2024
Respondent, Kamil Banusi, knowingly concealed relevant information from New Jersey Manufacturers Insurance Company on an auto policy action dated November 5, 2022.  Specifically, Mr. Banusi failed to disclose an additional household resident and driver with access to the policy vehicles.
Civil Penalty: $1,500.00

Ketki Vakil, Manahawkin, NJ
Order #23-52272-34, April 10, 2024
Respondent, Ketki Vakil, did knowingly present false and misleading information to American International Group (AIG)/National Union Fire Insurance Company of Pittsburgh, Pennsylvania beginning on March 8, 2023, and on subsequent dates, in support of a travel interruption insurance claim by submitting fraudulent medical certificates and in other relevant communications.
Civil Penalty: $2,500

Jamie Manookian, Tinton Falls, NJ
Order #23-52516-04, April 10, 2024
Respondent, Jamie Manookian, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on May 11, 2023, in an online claim to Safelite and on May 22, 2023, in a recorded call with the Progressive Group of Insurance Companies, by stating that a loss occurred on May 9, 2023 when, in fact, the loss occurred on April 19, 2023, prior to the lowering of the comprehensive coverage deductible on her auto insurance policy on May 1, 2023.
Civil Penalty: $1,500

Mirna Benitez, Clifton, NJ
Order #23-52727-04, April 10, 2024
Respondent, Mirna Benitez, did knowingly provide false and misleading statements to Progressive Insurance Company when pursuing an auto property damage claim.  Specifically, Ms. Benitez stated that her vehicle windshield was damaged on June 4, 2023, when in fact, the damages occurred on or about May 26, 2023, which was prior to comprehensive and glass coverage being added.
Civil Penalty: $1,000

Kevin Michel, Hillside, NJ
Order #23-53353-51, April 10, 2024
Respondent, Kevin Michel, did knowingly provide a materially false "Statement of No Loss" to the Progressive Group of Insurance Companies at 10:10 a.m. on August 1, 2023 in pursuit of an automobile property damage claim.  Specifically, Respondent, indicated that his vehicle had not been involved in any accidents between the policy cancellation date of July 30, 2023 at 12:01 a.m., and the policy reinstatement date of August 1, 2023, at 10:12 a.m., when in fact, the vehicle had been involved in an automobile accident on August 1, 2023 at 10:01 a.m. during the lapse period.
Civil Penalty: $2,500

Celeslie Phillips, Vineland, NJ
Order #23-54037-51, April 10, 2024
Respondent, Celeslie Phillips, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company during two separate statement of no loss calls dated April 22, 2023, and April 24, 2023.  Specifically, the Respondent stated that she and her policy vehicle had not been involved in any accidents since the policy lapsed on March 29, 2023, when, in fact, she and her vehicle were involved in an accident on April 19, 2023, prior to the policy reinstatement.
Civil Penalty: $2,500

Elijah N. Sarpong, Newark, NJ
Order #23-54448-31, April 10, 2024
Respondent, Elijah N. Sarpong, knowingly provided false and misleading information to CURE Insurance Company on August 22, 2022 when he obtained an automobile policy insuring his 2015 Honda Accord.  Specifically, Respondent, stated that the garaging address for the insured vehicle was Plainsboro, NJ, when in fact, the vehicle was garaged in Newark, NJ.
Civil Penalty: $1,500

Krish Tanna, Jersey City, NJ
Order #23-54587-04, April 10, 2024
Respondent, Krish Tanna, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto glass claim.  Specifically, Mr. Tanna reported that his windshield cracked on October 2, 2023, after he significantly lowered his comprehensive coverage on October 1, 2023, when in fact, the damage occurred on or before September 26, 2023.
Civil Penalty: $1,000

Prem Rajasekaran, Mays Landing, NJ
Order #24-50111-35, April 10, 2024
Respondent, Prem Rajasekaran, did knowingly provide materially false information to Geico on October 9, 2023, during an initial claim report and during a telephone call on October 9, 2023, by reporting his insured vehicle suffered damage on October 6, 2023, when, in fact, the vehicle suffered the damage on September 29, 2023, prior to his policy inception with Geico.
Civil Penalty: $2,500

Samantha Brocco, Delanco, NJ
Order #24-50626-34, April 10, 2024
Respondent, Samantha Brocco, knowingly provided false and misleading information to Markel Insurance Company  by submitting a fraudulent document on January 21, 2024, in support of three claims under a live event ticket protection policy.
Civil Penalty: $1,500.00

Leonid ltskov, DDS, and Gentle Dental II, PC, West New York, NJ
Order #18-51476-44, April 17, 2024
Respondents, Leonid ltskov, DDS, and Gentle Dental II, PC, provided false and misleading information to Delta Dental of New Jersey, Guardian Life Insurance Company of America, and MetLife Insurance Company between 2013 and 2018. Specifically, Dr. ltskov and Gentle Dental II, PC, submitted dental claims for services that were not rendered to patients, submitted dental claims that misrepresented services documented in clinical notes, and submitted dental claims with higher dollar amounts than the billed amounts documented in patient ledgers. These claim submissions allowed Dr. ltskov and Gentle Dental II, PC to receive reimbursements to which they were not entitled.
Civil Penalty: $33,000

Ayhan Derekoylu, and Han's Auto Repair, Saddle Brook, NJ
Order #22-51967-26, April 17, 2024
Respondents, Ayhan Derekoylu, and Han's Auto Repair, knowingly provided false and misleading information to GEICO Insurance Company on a towing and storage Invoice dated June 2, 2022. Specifically, Ayhan Derekoylu and Han's Auto Repair submitted an invoice for a towing charge as well as one hundred and fifty-one (151) days of vehicle storage, when in fact, the vehicle was never towed and was only stored at their facility for sixty-two (62) total days.
Civil Penalty: $5,000

Vanessa Cortez, Clifton, NJ
Order #23-51072-51, April 17, 2024
Respondent, Vanessa Cortez, did knowingly provide false and misleading information on a Statement of No Loss when reinstating an auto policy with New Jersey Manufacturers Insurance Company dated March 21, 2022, at 10:00 a.m.  Specifically, Ms. Cortez indicated that no drivers who had access to her vehicles were involved in any accidents since the policy cancellation, when in fact, a driver operating her vehicle was involved in an accident earlier that same day.
Civil Penalty: $2,500

Rocio D. Izquierdo, North Bergen, NJ
Order #23-51494-35, April 17, 2024
Respondent, Rocio D. Izquierdo, did knowingly provide materially false information to Progressive Insurance Company on an automobile insurance application dated May 4, 2022, by failing to disclose a regular driver of the policy vehicle.
Civil Penalty: $1,500

Adimir G. Tenesaca, Lodi, NJ
Order #23-52478-09, April 17, 2024
Respondent, Adimir G. Tenesaca, did knowingly provide false and misleading information to Progressive Garden State Insurance Company on a policy application dated October 28, 2020, and again on a policy renewal dated March 24, 2023.  Specifically, Mr. Tenesaca failed to disclose that a policy vehicle would be used for business purposes as an Uber Eats ridesharing driver.
Civil Penalty: $2,500

Maria B. Tenesaca, Lodi, NJ
Order #23-52478-09, April 17, 2024
Respondent, Maria B. Tenesaca, did knowingly provide materially false information to Progressive Garden State Insurance Company on June 12, 2023 in support of an automobile property damage claim.  Specifically, Ms. Tenesaca indicated she was not driving the policy vehicle while working for Uber Eats at the time of loss on June 2, 2023, when in fact, she was.
Civil Penalty: $5,000

Luciane Duenhas, North Arlington, NJ
Order #23-52624-35, April 17, 2024
Respondent, Luciane Duenhas, did knowingly provide materially false statements to Progressive Garden State Insurance Company on an automobile insurance policy application dated January 6, 2023. Specifically, Ms. Duenhas failed to disclose a household member and frequent driver of the policy vehicles.
Civil Penalty: $1,500

Stanley Rodriguez, Sr., Newark, NJ
Order #23-53361-04, April 17, 2024
Respondent, Stanley Rodriguez, Sr., did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on April 20, 2023 in an online claim and on May 5, 2023 in a recorded phone call, by stating that a loss occurred to his policy vehicle on April 18, 2023, when in fact, the loss occurred on May 31, 2022, prior to the addition of glass coverage on April 10, 2023.
Civil Penalty: $1,500

Shahine lslamaj, Lodi, NJ
Order #23-54014-04, April 17, 2024
Respondent, Shahine lslamaj, knowingly provided false and misleading statements on an auto property damage claim submitted to Progressive Insurance Company. Specifically, Mr. lslamaj stated that his vehicle was damaged on July 29, 2023, when in fact, the accident occurred on July 27, 2023, before there was coverage in effect.
Civil Penalty: $3,000

Jorge Pena, Vineland, NJ
Order #23-54623-35, April 17, 2024
Respondent, Jorge Pena, did knowingly conspire with another individual to provide materially false information to New Jersey Manufacturers Insurance Company on April 16, 2023.  Specifically, the Respondent failed to disclose all household residents and drivers on his initial automobile insurance application.
Civil Penalty: $1,500

Chaitanya Verma, Cream Ridge, NJ
Order #23-50881-04, April 24, 2024
Respondent, Chaitanya Verma, knowingly provided materially false and misleading information to Bristol West Insurance Group during a First Notice of Loss on February 9, 2023 in support of an automobile property damage claim for an insured vehicle.  Specifically, Respondent stated that the loss occurred after he incepted his automobile policy on February 1, 2023, when in fact, the loss occurred on January 24, 2023 prior to the inception of the policy.
Civil Penalty: $2,500

Thiago J. Fortesgomes, Newark, NJ
Order #23-52076-04, April 24, 2024
Respondent, Thiago J. Fortesgomes, did knowingly make a material misrepresentation to GEICO Indemnity Company on May 12, 2023 in support of an automobile insurance claim.  Specifically, Respondent reported that the loss occurred on May 11, 2023 at 1:35 p.m., when in fact, the loss occurred prior to the policy reinstatement. The vehicle displayed the same damage when it was photographed on April 3, 2023 prior to the policy being reinstated.
Civil Penalty: $2,500

Jorge Garcia, New Brunswick, NJ
Order #23-52379-35, April 24, 2024
Respondent, Jorge Garcia, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in support of an auto damage claim. Specifically, Respondent filed a claim on June 4, 2023 stating that he was involved in a motor vehicle accident on June 2, 2023 at night around 11:30, 12:00 when, in fact, the accident occurred on June 2, 2023 at 10:34 p.m., which was before Respondent reinstated and made payment of his policy on June 2, 2023 at 10:37 p.m. Additionally, on June 5, 2023, Respondent made a material misrepresentation to the Progressive representative in support of a claim by stating that he reinstated his policy around the afternoon before the accident. There was no coverage in effect at the actual time of the accident because the policy had cancelled on May 17, 2023 due to non-payment of premium.
Civil Penalty: $1,500

Aziz Amriev, Manalapan, NJ
Order #23-53610-04, April 24, 2024
Respondent, Aziz Amriev, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on July 5, 2023 and July 6, 2023 in support of an automobile damage glass claim. On June 6, 2023, the insured lowered his comprehensive deductible from $750 to $100. Specifically, Respondent reported an automobile glass claim for his insured 2022 Acura stating that the damage occurred on July 5, 2023 when, in fact, the damage occurred on June 4, 2023, prior to the insured reducing his comprehensive insurance.
Civil Penalty: $1,500

Alisa Sadler, Millville, NJ
Order #23-53802-35, April 24, 2024
Respondent, Alisa Sadler, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company at the time of a policy amendment effective October 5, 2022, and on subsequent policy amendments and recordings dated January 20, 2023 and February 13, 2023, by failing to disclose an additional household member and operator of the insured vehicles.
Civil Penalty: $3,000

Eboney Kirby, Lindenwold, NJ
Order #23-55402-35, April 24, 2024
Respondent, Eboney Kirby, did knowingly provide materially false information to CURE Auto Insurance Company on June 1, 2023, on an application for automobile insurance.  Specifically, Respondent failed to disclose another individual as a household resident and operator of the policy vehicle.
Civil Penalty: $1,500

James M. Callan, Shamong, NJ
Order #22-52223-14, March 5, 2024
Respondent, James M. Callan, did knowingly make materially false statements to Farmers Property and Casualty Insurance Company on August 17, 2022, by answering “No" to the question "Is there a business at the property?" on a Sworn Statement in Proof of Loss-Home Form.
Civil Penalty: $2,500

Ashley Rodrigues, Kearny, NJ
Order #22-52728-04, March 5, 2024
Respondent, Ashley Rodrigues, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an automobile property damage claim.  Specifically, Ms. Rodrigues indicated that she was involved in a crash on August 8, 2023 at 5:50 p.m., when, in fact, the accident occurred earlier that same day prior to her renewing her lapsed auto policy.
Civil Penalty: $3,000

Rafael Kim, Fort Lee, NJ
Order #23-50736-04, March 5, 2024
Respondent, Rafael Kim, did knowingly provide materially false information to the Progressive Group of Insurance Companies on January 25, 2023, by misrepresenting the date of loss to secure coverage for windshield damage that had occurred prior to Mr. Kim obtaining glass coverage.
Civil Penalty: $1,000

Shanita Collier, Passaic, NJ
Order #23-51000-35, March 5, 2024
Respondent, Shanita Collier, knowingly provided false and misleading statements to CURE Auto Insurance Company on June 24, 2022, and again on June 28, 2022 when adding a 2016 Ford Fusion to her auto policy, specifically, by failing to identify all additional drivers.
Civil Penalty: $1,500

Arthur Beltramba, Little Falls, NJ
Order #23-52375-09, March 5, 2024
Respondent, Arthur Beltramba, knowingly provided false and misleading statements on an automobile insurance application submitted to Progressive Insurance Company dated March 26, 2023. Specifically, Mr. Beltramba failed to disclose the regular licensed operator of the policy vehicle. Respondent, Arthur Beltramba, knowingly concealed relevant information from Progressive Insurance Company in support of an auto property damage claim dated April 16, 2023.vSpecifically, Mr. Beltramba stated that his son, who seldomly used his vehicle, was involved in an accident while running an errand, when, in fact, his son is the primary operator of the insured vehicle.
Civil Penalty: $3,500

Daniel Flagg, Brick, NJ
Order #23-54579-33, March 5, 2024
Respondent, Daniel Flagg, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during recorded telephone calls on September 18, 2023 and October 12, 2023, in support of a workers compensation claim, by reporting he was not working while collecting temporary total disability benefits, when, in fact, he was gainfully employed.
Civil Penalty: $2,500

Robert Whinna, Egg Harbor Twp., NJ
Order #23-55156-04, March 5, 2024
Respondent, Robert Whinna, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 12, 2023, during a First Notice of Loss call by purporting the insured vehicle suffered damage on October 11, 2023, when, in fact, the vehicle was damaged prior to the coverage change to lower the deductible on September 25, 2023.
Civil Penalty: $2,500

Ivelis Estevez, Bronx, NY
Order #22-50183-31, March 13, 2024
Respondent, lvelis Estevez, knowingly provided false and misleading information on an automobile insurance application submitted to the Progressive Group of Insurance Companies dated October 29, 2021. Specifically, Ms. Estevez stated that she resided and garaged her policy vehicle in Hackensack, NJ, when, in fact, she primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Soham Shah, Marlton, NJ
Order #22-53866-04, March 13, 2024
Respondent, Soham Shah, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 28, 2022, in support of an automobile glass damage claim.  Respondent reported damage to his windshield occurred on October 27, 2022, when, in fact, the damage was present prior to the policy inception.
Civil Penalty: $1,500

Myles I. Peckler, Clifton, NJ
Order #22-54307-04, March 13, 2024
Respondent, Myles I. Peckler, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim.  Specifically, Mr. Peckler indicated that windshield damage occurred on November 4, 2022, shortly after he added glass coverage to his policy, when, in fact, records revealed that the damage occurred on or about October 29, 2022 before coverage was in effect.
Civil Penalty: $1,000

Semya Gill, Vauxhall, NJ
Order #23-51691-51, March 13, 2024
Respondent, Semya Gill, knowingly provided false and misleading information to Progressive Insurance Company when reinstating her automobile policy.  Specifically, Respondent completed a Statement of No Loss on April 6, 2023 at 8:20 a.m. denying any losses between the policy lapse and reinstatement date when, in fact, she had been in an accident approximately eight hours prior to completing the Statement of No Loss. Civil Penalty: $1,500

Juan D. Bermudez, Bayville, NJ
Order #23-52651-35, March 13, 2024
Respondent, Juan D. Bermudez, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on May 15, 2023, by failing to disclose an additional household member and operator of the insured vehicle. Civil Penalty: $1,500

Khalil Jannah, Montclair, NJ
Order #23-54205-35, March 13, 2024
Respondent, Khalil Jannah, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim when he provided a First Notice of Loss on September 19, 2023 by stating that a loss occurred to his policy vehicle on September 18, 2023 at 11:59 p.m.  Specifically, Respondent, submitted an incorrect date of loss, knowing that the incident occurred prior to him lowering his comprehensive deductible, collision deductible and adding rental coverage. Civil Penalty: $1,500

Carmen Ubarry, Glendora, NJ
Order #23-54314-51, March 13, 2024
Respondent, Carmen Ubarry, did knowingly provide materially false information during a Statement of No Loss on September 28, 2023 at 12:49 p.m. to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, when, in fact, a motor vehicle accident had occurred involving the policy vehicle on September 27, 2023. Civil Penalty: $2,500

Melissa Ronda Damestoir, Bloomfield, NJ
Order #23-51756-04, March 20, 2024
Respondent, Melissa Ronda Damestoir, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on March 25, 2023, and on subsequent dates, by reporting that her windshield was damaged after she lowered her comprehensive deductible from $2,000 to $150, when, in fact, the damage occurred prior to the deductible change.
Civil Penalty: $1,500

Aziz Rahmat, Lake Hiawatha, NJ
Order #23-54316-35, March 20, 2024
Respondent, Aziz Rahmat, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated February 20, 2023. Specifically, Mr. Rahmat failed to disclose a licensed household resident and regular operator of his insured vehicles.
Civil Penalty: $1,500

Pawel R. Durak, Saddle Brook, NJ
Order #23-54841-35, March 20, 2024
Respondent, Pawel R. Durak, knowingly provided materially false information to the Progressive Group of Insurance Companies on an automobile insurance application dated July 6, 2023.  Specifically, Mr. Durak failed to disclose all licensed residents and/or regular operators of policy vehicles.
Civil Penalty: $1,500

Tawanna Broughton, Millville, NJ
Order #20-54573-24, March 27, 2024
Respondent, Tawanna Broughton, did knowingly provide false and misleading information to American Family Life Assurance Company (Aflac), dated August 15, 2018, and submitted September 17, 2018, specifically by altering two documents in support of her claim.
Civil Penalty: $1,500

Elizabeth Morales, Brooklyn, NY
Order #21-54153-31, March 27, 2024
Respondent, Elizabeth Morales, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on September 18, 2021 in an online application and on October 31, 2021 and November 3, 2021 in recorded calls, by providing her policy address and garaging location for her policy vehicle as 25-27 Norfolk Street, Newark, NJ 07103 when, in fact, her policy vehicle was primarily garaged in New York.  Furthermore, Elizabeth Morales did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on November 22, 2021, by providing a forged lease agreement and forged Optimum bill to prove New Jersey residency when, in fact, she lived in New York.
Civil Penalty: $2,500

Muniram Pokhai, Jersey City, NJ
Order #22-51012-51, March 27, 2024
Respondent, Muniram Pokhai, knowingly provided false and misleading information to Progressive Insurance Company on a Statement of No Loss dated March 4, 2022.  Specifically, Mr. Pokhai reinstated his policy indicating that his vehicle had not been involved in any accidents or losses since the policy lapse date of February 3, 2022, when in fact, his vehicle was in an accident on February 7, 2022.
Civil Penalty: $2,500

Harry R. Julian, Sr., Deptford, NJ
Order #22-51411-12, March 27, 2024
Respondent, Harry R. Julian, Sr., did knowingly provide a false and misleading statement to USAA Insurance Company on April 22, 2022, specifically, by stating he was robbed of $5,000 in cash, two handbags, and a speaker, when, in fact, he fabricated the story.  Harry R. Julian, Sr., did knowingly provide a false and misleading statement to USAA Insurance Company on April 26, 2022, specifically, by stating he was robbed of $5,000 in cash, two handbags, and a speaker, when, in fact, he fabricated the story.
Civil Penalty: $3,000

Monica Hall, Newark, NJ
Order #22-54352-35, March 27, 2024
Respondent, Monica Hall, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Company during recorded calls dated July 26, 2022 and July 27, 2022, by failing to disclose all household members.
Civil Penalty: $1,000

Danidra Olowosuko, Jamaica, NY
Order #23-51404-31, March 27, 2024
Respondent, Danidra Olowosuko, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 23, 2022, on an application for insurance, by providing the garaging location of the policy vehicle as 313 South 11th Street, 2, Newark, NJ 07103 when, in fact, the garaging location was actually 165-20 115th Avenue, Jamaica, NY 11434.
Civil Penalty: $2,500

Emmanuella Charles, Newark, NJ
Order #23-52812-35, March 27, 2024
Respondent, Emmanuella Charles, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for insurance dated March 17, 2023 by failing to disclose all drivers and household residents.
Civil Penalty: $1,500

Maria Theresa Bellavia, Paramus, NJ
Order #23-54006-12, March 27, 2024
Respondent, Maria Theresa Bellavia, did knowingly provide materially false and misleading information to USAA Insurance Company on March 6, 2023, in support of a homeowners property theft claim.  Specifically, Ms. Bellavia reported that a necklace was stolen from her residence on February 16, 2023, which would have been covered, when, in fact, she had previously reported to the carrier that it was lost in Florida and was previously informed that she did not have coverage for lost jewelry.
Civil Penalty: $3,000

Melody Ciraky, Lake Worth, FL
Order #23-54116-04, March 27, 2024
Respondent, Melody Ciraky, did knowingly provide false and misleading statements on auto property damage claims submitted to Progressive Insurance Company.  Specifically, Ms. Ciraky stated that her vehicle's windshield was damaged on September 3, 2023 and September 6, 2023, when, in fact, the damages occurred on August 17, 2023, which was prior to glass coverage being added.
Civil Penalty: $1,000

Joni Bragen, Toms River, NJ
Order #23-54370-04, March 27, 2024
Respondent, Joni Bragen, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on September 11th, 2023, by stating that a loss occurred to one of her policy vehicles on or about August 29th, 2023, when, in fact, the loss occurred on or about July 26th, 2023, prior to the addition of comprehensive coverage to her automobile policy.
Civil Penalty: $2,500

Suzanne M. Turner, Galloway, NJ
Order #23-55446-51, March 27, 2024
Respondent, Suzanne M. Turner, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 30, 2023, in support of an automobile property damage claim by providing a false Statement of No Loss and during a subsequent recorded telephone conversation, by purporting the insured vehicle was not involved in a loss during a lapse, when, in fact, the vehicle was involved in a loss prior to the policy reinstatement.
Civil Penalty: $2,500

Keta Shah, Colonia, NJ
Order #24-50142-04, March 27, 2024
Respondent, Keta Shah, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in an online claim on January 5, 2024, and in a recorded statement on January 5, 2024, by stating her policy vehicle sustained damage on January 5, 2024 when, in fact, the damage occurred prior to the addition of glass coverage on December 30, 2023.
Civil Penalty: $1,500

Samarra Goosby, Hillside, NJ
Order #22-53821-47, February 7, 2024
Respondent, Samarra Goosby, did knowingly provide materially false and misleading information to Nationwide Mutual Insurance Company by submitting an altered invoice on October 7, 2022 and an altered medical record on October 10, 2022 in support of an online pet claim for a date of service of September 16, 2022 when, in fact, the date of service was July 16, 2022, prior to the policy inception.
Civil Penalty: $1,500

Emily Tan, Old Bridge, NJ
Order #22-54269-35, February 7, 2024
Respondent, Emily Tan, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim. Specifically, respondent reported she was involved in an automobile accident on the Garden State Parkway on October 31, 2022, when, in fact, the accident occurred on August 10, 2022 which was before the changes to her deductible coverages which went from $1,000 to $250.
Civil Penalty: $1,500

Karla Evora, North Bergen, NJ
Order #21-52061-04, February 15, 2024
Respondent, Karla Evora, knowingly made false and misleading statements to Progressive Insurance Company on April 30, 2021, in pursuit on an automobile property damage claim.  Specifically, Ms. Evora reported she was operating the insured vehicle on April 29, 2021, when it was involved in a motor vehicle accident, when, in fact, she was not in the vehicle at the time of loss. Respondent, Karla Evora, knowingly presented false and misleading statements to Progressive Insurance Company on May 4, 2021, in pursuit of an auto injury (PIP) claim.  Specifically, Ms. Evora reported on a health care claim form that she was injured in the motor vehicle accident on April 29, 2021, when in fact, she was not in the vehicle at the time of loss.
Civil Penalty: $5,000

Christopher Keith, New Milford, NJ
Order #21-53215-04, February 15, 2024
Respondent, Christopher Keith, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile property damage claim dated September 3, 2021. Specifically, Mr. Keith stated that his vehicle sustained flood damage on September 3, 2021, when, in fact, the damage was pre-existing and occurred on September 1, 2021, which was prior to policy inception. Respondent, Christopher Keith, knowingly provided false and misleading information to Liberty Mutual Insurance Company on an automobile property damage claim dated October 27, 2021. Specifically, Mr. Keith stated that his vehicle sustained flood damage on October 26, 2021, when, in fact, the damage was pre-existing and occurred on September 1, 2021, which was prior to policy inception.
Civil Penalty: $5,000

Marissa Roman, Los Angeles, CA
Order #22-51403-35, February 15, 2024
Respondent, Marissa Roman, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated August 26, 2021. Specifically, Ms. Roman failed to disclose additional licensed resident drivers and regular operators.
Civil Penalty: $1,500

Evelyn Burgos-Archie, Sicklerville, NJ
Order #20-51431-35, February 21, 2024
Respondent, Evelyn Burgos-Archie, did knowingly provide materially false information to the Progressive Group of Insurance Companies by failing to disclose a regular operator of an insured vehicle on an automobile application dated January 2, 2020, and during a policy modification on February 4, 2020. Additionally, Respondent indicated the vehicle would be garaged at the policy address in Sicklerville, NJ, when, in fact, it was garaged and regularly operated in Georgia.
Civil Penalty: $2,500

Edgar Romero and JRL Truck, LLC, Clifton, NJ
Order #21-52235-35, February 21, 2024
Respondents, Edgar Romero and JRL Truck, LLC, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in support of a commercial auto property damage claim on June 7, 2021.  Specifically, Respondent(s), reported that the commercial vehicle, a 2007 Kenworth TBO Truck, was involved in an automobile accident on June 7, 2021 at 7:30 a.m. when, in fact, the commercial vehicle was involved in a loss on June 4, 2021 prior to the insured(s) adding comprehensive and collision coverage to the commercial vehicle.
Civil Penalty: $1,500

Wilson Yunganaula and W&A Renovations Corporation, Clifton, NJ
Order #21-53120-04, February 21, 2024
Respondents, Wilson Yunganaula, AKA Wilson G. Yunganaulavelecel, AKA Wilson Velecela, and W&A Renovations Corporation, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on June 11, 2021, when pursuing a commercial auto property damage claim for a 2014 Honda Odyssey. Specifically, Wilson Yunganaula, AKA Wilson G. Yunganaulavelecel, AKA Wilson Velecela, and W&A Renovations Corporation reported that all damage to the vehicle was the result of an incident on June 9, 2021, and specifically denied any prior damage, when, in fact, that vehicle was sold to the Respondent on May 15, 2021 with visible prior damage.
Civil Penalty: $3,000

Deanna Dominguez, Jersey City, NJ
Order #22-52647-04, February 21, 2024
Respondent, Deanna Dominguez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim.  Specifically, Ms. Dominguez first attempted to pursue a claim under her commercial auto policy with the date of loss of March 11, 2022.  However, this policy had been cancelled prior to the loss date. Ms. Dominguez then purchased a new personal auto policy for the same vehicle on March 22, 2022.  Ms. Dominquez then pursued a claim for the same damages but now dated the loss as April 23, 2022.
Civil Penalty: $3,000

Carol Baliatico, Belmar, NJ
Order #23-50514-35, February 21, 2024
Respondent, Carol Baliatico, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for auto insurance dated January 2, 2023 by failing to disclose all drivers and household residents.
Civil Penalty: $1,500

Russell B. Klein, Chery Hill, NJ
Order #23-52468-45, February 21, 2024
Respondent, Russell B. Klein, did knowingly provide materially false information to TriPlus Services, Inc. on seven (7) Statement of Care Forms, between January 1, 2021, and September 4, 2021, by billing for services not provided relative to a Long Term Care Policy with American Network Insurance Company.
Civil Penalty: $10,500

David Niemiec, Burlington, NJ
Order #23-55535-51, February 21, 2024
Respondent, David Niemiec, did knowingly provide materially false information during a Statement of No Loss on September 28, 2023, to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, no one operating a vehicle listed on his policy had been involved in an accident during the lapse period and verified there was no damage to the policy vehicle during the lapse period of September 21, 2023 and September 28, 2023, when, in fact, a motor vehicle accident had occurred on September 21, 2023 at 9:30 p.m. involving the policy vehicle which was during the lapse period.  He also misrepresented the date of loss on the First Notice of Loss call dated October 10, 2023.
Civil Penalty: $2,500

Robert Smalls, Perth Amboy, NJ
Order #21-52701-35, January 2, 2024
Respondent, Robert Smalls, did knowingly provide materially false information to the Progressive Group of Insurance Companies on July 14, 2021, and during subsequent calls, in support of an automobile window glass damage claim. Specifically, Robert Smalls reported that the damage to his vehicle occurred on July 14, 2021, and denied prior windshield damage when, in fact, the loss occurred prior to Robert Smalls adding comprehensive coverage with a $50 window glass deductible to his policy.
Civil Penalty: $1,500

Jennifer Ramirez, Wall, NJ
Order #22-52131-35, January 2, 2024
Respondent, Jennifer Ramirez, did knowingly provide false and misleading information on her automobile application with Plymouth Rock Assurance Company on July 27, 2022 by failing to disclose an additional household resident(s) and operators of the policy vehicle(s).
Civil Penalty: $1,500

John Casella, Union, NJ
Order #19-52718-35, January 10, 2024
Respondent, John Casella, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on an automobile insurance policy application dated December 15, 2016, and on policy declarations endorsements in 2017, 2018, and 2019.  Specifically, Mr. Casella failed to disclose a licensed household resident and/or regular operator.
Civil Penalty: $1,500

Javier Osorio-Mejia, Bayonne, NJ
Order #20-53376-03, January 10, 2024
Respondent, Javier Osorio-Mejia, knowingly concealed relevant information from the Progressive Group of Insurance Companies when obtaining an automobile insurance policy. Specifically, Mr. Osorio-Mejia submitted a policy application on August 19, 2020 (5:06 p.m.) and failed to disclose that his vehicle had been stolen and involved in an accident earlier that day. Respondent, Javier Osorio-Mejia, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on August 31, 2020, in pursuit of an auto theft claim. Specifically, Mr. Osorio-Mejia stated that his vehicle was stolen and involved in an accident on August 20, 2020, when in fact, the vehicle had been stolen and involved in an accident on August 19, 2020 (4:30 p.m.), which was prior to policy inception.
Civil Penalty: $5,000

Dagoberto Echemendia, Elizabeth, NJ
Order #20-53745-35, January 10, 2024
Respondent, Dagoberto Echemendia, knowingly provided false and misleading information to Farmers Insurance Company on an automobile insurance application dated October 17, 2015, as well as on policy declarations endorsements in 2016, 2017, 2018, and 2019.  Specifically, Mr. Echemendia failed to disclose all licensed drivers and/or regular operators.
Civil Penalty: $1,500

Yenifer Deleongarcia, Bayonne, NJ
Order #22-54125-04, January 10, 2024
Respondent, Yenifer Deleongarcia, did knowingly provide materially false information to GEICO when pursuing an auto glass claim.  Specifically, Ms. Deleongarcia stated that the damage occurred on December 9, 2022, when in fact, the windshield damage had occurred months earlier prior to her lowering the deductible.
Civil Penalty: $1,000

Daniel Entenberg, Cresskill, NJ
Order #23-50910-47, January 10, 2024
Respondent, Daniel Entenberg, knowingly provided false and misleading information to Nationwide Mutual Insurance Company when obtaining pet insurance for a canine, effective date of December 14, 2022. Specifically, Mr. Entenberg failed to disclose pre-existing medical conditions. Respondent, Daniel Entenberg, knowingly submitted false and misleading information to Nationwide Mutual Insurance Company when pursuing reimbursement for medical treatment provided to his dog, Sofia. Specifically, Mr. Entenberg altered billing records to support that Sofia's medical treatment occurred on January 4, 2023, when in fact the services were provided on November 30, 2022, which was before the inception of the policy.
Civil Penalty: $3,000

Felicia L. Kenny, Allentown, NJ
Order #23-51554-04, January 10, 2024
Respondent, Felicia L. Kenny, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile claim on March 30, 2023. Specifically, Respondent claimed that damage to her vehicle occurred on March 29, 2023, while her vehicle was parked when, in fact, the damage occurred as a result of her rear-ending another vehicle on March 10, 2023 prior to her lowering her comprehensive and collision deductible on her policy on March 23, 2023.
Civil Penalty: $1,500

Seon Browne, Browns Mills, NJ
Order #23-51710-35, January 16, 2024
Respondent, Sean Browne, did knowingly provide materially false information to State National Insurance Company on an initial application for automobile insurance on January 26, 2023, by failing to disclose he had a separate insurance policy with liability insurance.
Civil Penalty: $1,500

Harish Kumar, Gibbsboro, NJ
Order #23-53885-04, January 16, 2024
Respondent, Harish Kumar, did knowingly make material misrepresentations to the Progressive Group of Insurance Companies/Drive New Jersey on August 16, 2023, during a First Notice of Loss, and in a subsequent recorded statement on August 18, 2023, in support of an automobile property damage claim. Specifically, Respondent misrepresented the factual date of loss knowing the damage had occurred prior to policy inception.
Civil Penalty: $2,500

James T. Battle
Order #20-52640-35, January 17, 2024
Respondent, James T. Battle, knowingly made false and misleading statements to New Jersey Manufacturers Insurance Company on automobile insurance policy renewal questionnaires and policy declarations endorsements between 2014 and 2019.  Specifically, Mr. Battle failed to disclose all licensed household drivers and regular operators.
Civil Penalty: $1,500

Oswaldo P. ldrovoinga, Newton, NJ
Order #23-50147-35, January 17, 2024
Respondent, Oswaldo ldrovoinga, did knowingly provide materially false and misleading information to Progressive Insurance Company on an automobile insurance policy application dated December 13, 2023, by failing to disclose a licensed household driver of the policy vehicle. Civil Penalty: $1,500

James Grosso, Jackson, NJ
Order #20-53264-35, January 24, 2024
Respondent, James Grosso, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on a policy renewal questionnaire dated June 15, 2018, as well as during two subsequent vehicle addition calls on March 2, 2020, and May 29, 2020.  During all instances, the Respondent failed to disclose all licensed individuals residing in the household.
Civil Penalty: $1,500

Russell Williams, Jackson, NJ
Order #23-53414-04, January 24, 2024
Respondent, Russell Williams, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on July 19, 2023, during a First Notice of Loss Summary, and during a subsequent recorded telephone call on July 25, 2023, by purporting the insured vehicle suffered windshield damage on July 14, 2023, when, in fact, the vehicle's windshield was damaged prior to the amended glass coverage on July 5, 2023.
Civil Penalty: $2,000

Naisa Taylor, Camden, NJ
Order #23-53904-35, January 24, 2024
Respondent, Naisa Taylor, did knowingly provide materially false information to CURE Auto Insurance Company on an automobile insurance application dated April 11, 2023.  Specifically, the Respondent failed to disclose the true garaging location of her policy vehicles, as well as all vehicle operators and household residents.
Civil Penalty: $2,500

Tamar M. Austin, Oaklyn, NJ
Order #23-53978-35, January 24, 2024
Respondent, Tamar M. Austin, did knowingly provide materially false information to CURE Auto Insurance on August 13, 2022, and April 13, 2023, during policy amendments adding vehicles, by failing to disclose another individual would be the primary operator and the vehicles were not garaged at the policy address.
Civil Penalty: $2,500

Emmanuel Inoa-Urena and Inoa Mateo Delivery, LLC, Elizabeth, NJ
Order #23-54254-21, January 24, 2024
Respondents, Emmanuel Inoa-Urena and Inoa Mateo Delivery, LLC, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company, when submitting an application for commercial automobile insurance on July 19, 2023. Specifically, the Respondents failed to disclose all regular drivers of the policy vehicle.
Civil Penalty: $1,500

Marysabel Veras Martinez, Bronx, NY
Order #22-54112-31, January 30, 2024
Respondent, Marysabel Veras Martinez, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance application dated June 16, 2022. Specifically, Ms. Veras Martinez stated that she resided and garaged her policy vehicle in Elmwood Park, NJ, when in fact, she primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Courtney Huther, Washington, NJ
Order #23-52977-04, January 30, 2024
Respondent, Courtney Huther, did knowingly provide false and misleading information to Progressive Insurance Company on an auto property damage claim.  Specifically, Ms. Huther stated that her windshield was damaged on June 14, 2023, when in fact, the damage occurred before she added comprehensive glass coverage to the automobile insurance policy on June 7, 2023.
Civil Penalty: $1,000

Fiora Jones, Newark, NJ
Order #23-53061-04, January 30, 2024
Respondent, Fiora Jones, did knowingly provide materially false and misleading information to Cure Auto Insurance Company on May 2, 2023 and June 21, 2023, in recorded phone calls, by stating that her policy vehicle sustained damage on April 30, 2023, when, in fact, the loss occurred on February 27, 2023, prior to the addition of collision coverage to her auto insurance policy.
Civil Penalty: $2,500