Latonya Ford , Lawnside, NJ
Order #24-53186-35,February 2, 2026
Respondent, Latonya Ford, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company during a policy modification on July 16, 2022, by failing to disclose an additional household member and operator of insured vehicles.
Civil Penalty: $1,500.00

Josue Amilcar , Somerset, NJ
Order #25-53224-04, February 2, 2026
Respondent, Josue Amilcar, did knowingly provide false and misleading information to Progressive Group of Insurance Companies on April 19, 2025 and April 26, 2025, in online Safelite claims and on April 28, 2025, in a recorded statement, by providing the date of loss for the damaged windshield of his policy vehicle as April 26, 2025, when, in fact, the damage was present prior to the addition of glass coverage to the lowering of his deductible on April 20, 2025.
Civil Penalty: $1,500.00

Alexis H. Sanchez , Atlantic City, NJ
Order #25-56358-35, February 2, 2026
Respondent, Alexis H. Sanchez, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on December 2, 2024, by failing to disclose an additional household resident and operator of the insured vehicle(s).
Civil Penalty: $1,500.00

Juan M. Rozza Neyra , Paterson, NJ
Order #23-55430-35, February 11, 2026
Respondent, Juan M. Rozza Neyra, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on automobile insurance policy actions on June 10, 2019, and July 16, 2022, as well as on a policy renewal declaration dated February 26, 2023. Specifically, Mr. Rozza Neyra failed to disclose all regular operators and possible garaging locations for the policy vehicles.
Civil Penalty: $1,500.00

Manuel Delgado , Paterson, NJ
Order #24-51036-35, February 11, 2026
Respondent, Manuel Delgado, knowingly provided false and misleading information to the New Jersey Manufacturers Insurance Company relating to his automobile insurance policy. Specifically, Mr. Delgado failed to disclose a regular operator on policy actions dated April 18, 2022, July 26, 2022, as well as on a policy renewal declaration dated March 28, 2023.
Civil Penalty: $1,500.00

Jorge Caldas-Arias , West Milford, NJ
Order #24-51062-31, February 11, 2026
Respondent, Jorge Caldas-Arias, knowingly provided false and misleading information to the Progressive Insurance Company on an automobile insurance application dated September 13, 2023. Specifically, Mr. Caldas-Arias failed to disclose that a listed driver was residing in New York and also stated that the insured vehicle would be garaged in New Jersey when, in fact, it was primarily garaged in New York.
Civil Penalty: $2,500.00

Darien Nova Martinez , Philadelphia, PA
Order #24-51428-51, February 11, 2026
Respondent, Darien Nova Martinez, did knowingly make a material misrepresentation to Drive New Jersey Insurance Company on March 7, 2024, in support of an automobile property damage claim. Specifically, Respondent provided a false Statement of No Loss indicating he had no losses during the lapse period when, in fact, he was involved in a loss during the lapse. He then filed a claim for the loss.
Civil Penalty: $2,500.00

Steven Sinisperra Rendon , Elizabeth, NJ
Order #25-51349-03 , February 11, 2026
Respondent, Steven Sinisperra Rendon, knowingly provided false and misleading information to the Progressive Insurance Company when pursuing an auto theft claim dated January 17, 2025. Specifically, Mr. Sinisperra Rendon reported that his car was stolen, when, in fact, sometime earlier that same evening he was involved in an accident and then abandoned the vehicle.
Civil Penalty: $3,500.00

Shamirra D. Kellam , Garfield, NJ
Order #25-52524-04 , February 11, 2026
Respondent, Shamirra D. Kellam, knowingly provided false and misleading information to the Progressive Insurance Company in support of an automotive property damage claim. Specifically, Ms. Kellam indicated that the policy vehicle was involved in a motor vehicle accident in Paterson. New Jersey on April 8, 2025 between 4:30PM and 4:45PM when, in fact, the motor vehicle accident occurred earlier that same day before she purchased the auto insurance.
Civil Penalty: $3,500.00

Laura Grullon , Bronx, NY
Order #23-55343-31, February 17, 2026
Respondent, Laura Grullon, provided false and misleading information to Progressive Insurance Company on an application for automobile insurance dated May 4, 2023. Specifically, Respondent incepted an automobile insurance policy with Progressive Insurance and stated that she resided in New Jersey, when, in fact, she resided in New York.
Civil Penalty: $1,500.00

Justin O'Feery , Galloway, NJ
Order #24-55087-04, February 17, 2026
Respondent, Justin O'Feery, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company during the submission of an automobile property damage claim on September 6, 2024, by providing a false date of loss that was after coverage was added, when, in fact, the loss occurred prior to the coverage change.
Civil Penalty: $1,500.00

Markyes Young , Browns Mills, NJ
Order #24-55442-35, February 11, 2026
Respondent, Markyes Young, did knowingly provide materially false information to New Jersey Manufactures Insurance Company on July 29, 2023, December 15, 2023, April 18, 2024 and June 28, 2024 when he failed to disclose an additional household resident/driver.
Civil Penalty: $1,500.00

Joanne Zagrebnoy , Sicklerville, NJ
Order #25-55477-35, February 11, 2026
Respondent, Joanne Zagrebnoy, did knowingly make material misrepresentations to New Jersey Manufacturer's Insurance Company relative to her automobile policy beginning on August 28, 2023, during a policy modification, by failing to disclose an additional operator of an insured vehicle and the vehicle's accurate garaging address.
Civil Penalty: $2,500.00

Jose Y. DelcidDelcid , Philadelphia, PA
Order #25-56058-35, February 11, 2026
Respondent, Jose Y. DelcidDelcid, did knowingly provide materially false information to Citizen's United Reciprocal Exchange (CURE) on an initial application for automobile insurance on September 17, 2024 when he failed to disclose his true residency in Philadelphia, Pennsylvania on his policy application.
Civil Penalty: $2,500.00

Mohammad H. Nazzal and EYAD Realty LLC , Fairview, NJ
Order #21-53846-10, February 25, 2026
Respondents, Mohammad H. Nazzal and EYAD Realty LLC, knowingly provided false and misleading information to the West Guard Insurance Company/North American Risk Services on October 13, 2021, when pursuing a homeowners' property damage claim. Specifically, Mr. Nazzal and EYAD Realty LLC submitted a fictitious invoice dated March 21, 2021, indicating the purchase of an appliance, when in fact, the appliance had not been purchased.
Civil Penalty: $4,000.00

Nick Zapatanga , Newark, NJ
Order #24-51379-04, February 25, 2026
Respondent, Nick Zapatanga, did knowingly provide false and misleading information to GEICO Insurance Company in a first notice of loss on February 9, 2024 and in a recorded interview on February 19, 2024 by stating that a loss occurred on February 9, 2024, when, in fact, the loss occurred on January 17, 2024, prior to the vehicle being added to the policy.
Civil Penalty: $2,500.00

Assef M. Jamhour , Paterson, NJ
Order #23-53303-31, February 25, 2026
Respondent, Assef M. Jamhour, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated September 20, 2022. Specifically, Mr. Jamhour failed to disclose the actual garaging address of the policy vehicles.
Civil Penalty: $2,500.00

Melissa Sewell , Bronx, NY
Order #24-50330-31, February 25, 2026
Respondent, Melissa Sewell, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on automobile insurance policy application dated July 31, 2023. Specifically, Ms. Sewell stated that she resided and garaged her policy vehicle in New Jersey when, in fact, she primarily resided and garaged her vehicle in New York.
Civil Penalty: $2,500.00

Maria J. Cedeno , Linden, NJ
Order #24-50500-31, February 25, 2026
Respondent, Maria J. Cedeno, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an application for auto insurance dated July 21, 2023. Specifically, Ms. Cedeno provided a New Jersey policy address, when, in fact, she was primarily garaging the insured vehicle in New York.
Civil Penalty: $2,500.00

Andrea Acosta , Lyndhurst, NJ
Order #24-51175-35 , February 25, 2026
Respondent, Andrea Acosta, knowingly concealed and or made incorrect statements to the CURE Insurance Company on an automobile insurance policy application dated August 11, 2023. Specifically, Ms. Acosta failed to disclose a licensed household resident and operator of the policy vehicle.
Civil Penalty: $1,500.00

Monica Ansalone , East Brunswick, NJ
Order #24-53683-35, February 25, 2026
Respondent, Monica Ansalone, did knowingly provide materially false and misleading information to Progressive Insurance Company on an application for insurance dated February 24, 2024, by failing to disclose all drivers and household residents.
Civil Penalty: $1,500.00

Maria Amaya Lopez , Elizabethport, NJ
Order #24-54361-35, February 25, 2026
Respondent, Maria Amaya Lopez, did knowingly provide false and misleading information to Progressive Group Of Insurance Companies on February 8, 2024, when she failed to list all drivers/household residents on an auto insurance application.
Civil Penalty: $1,500.00

Mohamed Elakad , Sayreville, NJ
Order #24-54837-52, February 25, 2026
Respondent, Mohamed Elakad, did knowingly provide false and misleading information to National Specialty Insurance Company on June 18, 2024 on an application for a New Jersey Special Automobile Insurance Policy by failing to disclose that he owns another vehicle and is the named insurance on an automobile liability policy.
Civil Penalty: $1,000.00

John P. Borgia , Fairlawn, NJ
Order #24-55861-35, February 25, 2026
Respondent, John P. Borgia, did knowingly provide materially false information during a recorded policy inception call to New Jersey Manufacturers Insurance Company on June 30, 2023, by failing to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500.00

Desiree Winbush , Linden, NJ
Order #24-56252-35, February 18, 2026
Respondent, Desiree Winbush, knowingly provided materially false and misleading information to Progressive Group of Insurance Companies on an automobile insurance application dated November 12, 2024. Specifically, Respondent failed to disclose all household members and/or regular operator(s) of the policy vehicle.
Civil Penalty: $1,500.00

Evelyn Orlando , Camden, NJ
Order #25-53171-04, February 25, 2026
Respondent, Evelyn Orlando, did knowingly provide materially false information to Drive New Jersey Insurance Company during the submission of an automobile property damage claim on April 18, 2025, by stating that the loss occurred after the policy was taken out, when, in fact, the loss occurred prior to the policy inception.
Civil Penalty: $2,500.00

Berrisford Burke , Tenafly, NJ
Order #25-53364-35, February 25, 2026
Respondent, Berrisford Burke, knowingly provided false and misleading information to the Progressive Group for Insurance Companies on an automobile insurance policy application dated January 9, 2025. Specifically, Mr. Burke failed to disclose a licensed resident and/or regular operator of his insured policy vehicle.
Civil Penalty: $1,500.00

Mikenlove Pierre , Brooklyn, NY
Order #25-53832-31, February 25, 2026
Respondent, Mikenlove Pierre, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on December 27, 2024, by indicating that he resided and garaged his vehicle(s) in New Jersey, when, in fact, he resided and garaged his vehicle(s) in New York.
Civil Penalty: $2,500.00

Karen Sanchez , Cape May Court House, NJ
Order #25-54941-35, February 25, 2026
Respondent, Karen Sanchez, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on June 19, 2023, when adding a vehicle to her automobile policy, by failing to disclose additional vehicle operators and that the vehicle would be garaged at an address other than the policy address.
Civil Penalty: $2,500.00

Christine Ventriglia , Toms River, NJ
Order #25-56090-35, February 25, 2026
Respondent, Christine Ventriglia, did knowingly provide materially false information to Citizen's United Reciprocal Exchange (CURE) on an initial application for automobile insurance on March 22, 2024, by failing to disclose another individual as a household member and driver of a policy vehicle.
Civil Penalty: $1,500.00

Rajagopal Puttaparti , East Windsor, NJ
Order #24-50570-10, January 2, 2026
Respondent, Rajagopal Puttaparti, knowingly provided false and misleading information to Homesite Insurance Company in support of a homeowner's insurance claim dated January 22, 2024. Specifically, Respondent reported a water damage claim occurring on January 22, 2024, when it was determined that a previous homeowner's claim was already submitted, and the insured was reimbursed for the same damage. Furthermore, altered documents were submitted to show that the loss had occurred on January 22, 2024.
Civil Penalty: $2,000.00

Xiomara S. Osortoruiz , New Brunswick, NJ
Order #24-51052-35, January 2, 2026
Respondent, Xiomara S. Osortoruiz, knowingly failed to disclose all drivers in the household with access to policy vehicle(s) to Farmers Insurance Company when renewing her automobile insurance policy for the November 5, 2023 to November 3, 2024, policy period.
Civil Penalty: $1,500.00

Shyairra Diggs , Willingboro, NJ
Order #24-50312-35, January 7, 2026
Respondent, Shyairra Diggs, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company when submitting a vehicle vandalism claim on November 7, 2023. Specifically, the Respondent provided a date of loss after comprehenisve and rental coverages were added to the policy, when, in fact, the loss occurred prior to the coverage change.
Civil Penalty: $2,500.00

Vinod Kumar Ganesan , Hillside, NJ
Order #24-56066-04, January 7, 2026
Respondent, Vinod Kumar Ganesan, knowingly provided materially false and misleading information to Progressive Group of Insurance Companies on October 14, 2024, when pursing an automobile property damage claim. Specifically, Respondent reported that his 2013 Ford Focus sustained windshield damage on October 14, 2024, claiming there was no prior damage to the windshield when it was determined that there was damage prior to the policy inception.
Civil Penalty: $1,500.00

Juan Cordova Gomez , Piscataway, NJ
Order #25-51961-35, January 7, 2026
Respondent, Juan Cordova Gomez, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance dated September 19, 2024, by failing to disclose another individual as a household resident and/or driver of the policy vehicles.
Civil Penalty: $1,500.00

Maria Corona-Tepatl , Jackson Twp., NJ
Order #25-54599-35, January 7, 2026
Respondent, Maria Corona-Tepatl, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for automobile insurance dated July 5, 2024, by failing to disclose another individual as a household resident and driver of the insured vehicle.
Civil Penalty: $1,500.00

Jose A. Mendoza , Vineland, NJ
Order #25-54670-51, January 7, 2026
Respondent, Jose A. Mendoza, did knowingly provide materially false information to Progressive Garden State Insurance Company during the reinstatement of an automobile insurance policy on July 21, 2025, by providing a false Statement of No Loss indicating no losses occurred during the lapse period. Respondent then filed a claim indicating the loss occurred after the policy was reinstated, when, in fact, it had occurred prior.
Civil Penalty: $2,500.00

Sander Derins , Cherry Hill, NJ
Order #25-56426-51, January 7, 2026
Respondent, Sander Derins, did knowingly provide materially false information to Progressive Garden State Insurance Company during a Statement of No Loss on September 20, 2025 for his automobile policy, by purporting the insured vehicle was not involved in any losses between September 10, 2025 to September 20, 2025, when, in fact, the insured vehicle was involved in a loss on September 20, 2025. Respondent then filed a claim and misrepresented the time of loss to be after the policy reinstatement.
Civil Penalty: $2,500.00

Amanda C. Koprowski , Toms River, NJ
Order #25-56523-35, January 7, 2026
Respondent, Amanda C. Koprowski, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on August 31, 2025 by failing to disclose another individual as a household member and driver of a policy vehicle.
Civil Penalty: $1,500.00

Alyssa Marsh , Totowa, NJ
Order #25-55627-51, January 8, 2026
Respondent, Alyssa Marsh, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on a Statement of No Loss dated July 26, 2025. Specifically, Ms. Marsh indicated that the insured vehicle had not been involved in any accidents during a policy lapse period beginning July 18, 2025, when, in fact, it was involved in an accident earlier on July 26, 2025.
Civil Penalty: $2,500.00

Rafael A. Vega , Bronx, NY
Order #24-52363-31, January 9, 2026
Respondent, Rafael A. Vega, did knowingly provide false and misleading information on an automobile Insurance policy application submitted to the Progressive Group of Insurance Companies dated February 3, 2023, and on a policy renewal dated January 11, 2024. Specifically, Mr. Vega stated that he resided and garaged his policy vehicle In New Jersey when, in fact, he resided and garaged his vehicle in New York.
Civil Penalty: $2,500.00

Daniel Mejia , Passaic, NJ
Order #24-53206-35, January 9, 2026
Respondent, Daniel Mejia, knowingly provided false and misleading statements to the New Jersey Manufacturers Insurance on numerous policy actions between 2018 and 2024. Specifically, Mr. Mejia failed to disclose a licensed household resident and regular driver of the insured vehicle(s).
Civil Penalty: $1,500.00

Oscar J. Garma , Elizabeth, NJ
Order #24-54628-35, January 9, 2026
Respondent, Oscar J. Garma, did knowingly provide false and misleading information to Progressive Group of Insurance Companies when he failed to list all drivers and household residents on his auto application.
Civil Penalty: $1,500.00

Xavier E. Wilson , Washington, NJ
Order #24-55637-04, January 9, 2026
Respondent, Xavier E. Wilson, did knowingly make a material misrepresentation to the Progressive Garden State Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Wilson stated that the damage to his windshield occurred on October 22, 2024, when in fact, the damage occurred on or near October 17, 2024, before glass coverage was added to the policy.
Civil Penalty: $1,500.00

Melissa Rosa , Belleville, NJ
Order #24-55840-47, January 9, 2026
Respondent, Melissa Rosa, knowingly provided false and misleading information to Axis Insurance Company on October 1, 2024 by submitting an altered invoice in support of a claim.
Civil Penalty: $2,500.00

Diana M. Pesantez , Union, NJ
Order #24-56431-35, January 9, 2026
Respondent, Diana M. Pesantez, did knowingly provided false and misleading statements to the Progressive Group of Insurance Companies on an auto insurance policy application dated July 8, 2024. Specifically, Ms. Pesantez failed to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500.00

Edgar E. Perez Carchipulla , Bogota, NJ
Order #25-50301-35, January 9, 2026
Respondent, Edgar E. Perez Carchipulla, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated January 2, 2024. Specifically, Mr. Perez Carchipulla failed to disclose a licensed household resident and/or regular driver of the policy vehicles.
Civil Penalty: $1,500.00

Rene Ferrante , North Haledon, NJ
Order #25-51808-53, January 9, 2026
Respondent, Rene Ferrante, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on January 16, 2025, in support of an automobile insurance property damage claim. Specifically, Ms. Ferrante stated that her windshield was damaged on December 30, 2024, when, in fact, the damage was pre-existing and occurred prior to the addition of full glass coverage on December 13, 2024.
Civil Penalty: $1,500.00

Kimberly Wong , Valley Stream, NY
Order #25-52144-31, January 9, 2026
Respondent, Kimberly Wong, did knowingly make material misrepresentations to the Progressive Garden State Insurance Company on an automobile insurance application dated June 28th, 2024. Specifically, Ms Wong indicated that she lived and garaged her policy vehicles in New Jersey, when, in fact, she primarily resided and garaged her vehicles in New York.
Civil Penalty: $2,500.00

Erika Arthur , Teaneck, NJ
Order #25-53484-51, January 9, 2026
Respondent, Erika Arthur, did knowingly make materially false statements to the Progressive Garden State Insurance Company on a Statement of No Loss dated May 19, 2025. Specifically, Ms. Arthur indicated that her vehicle was not involved in any accidents or incidents during the policy lapse period, beginning May 17, 2025, when, in fact, a loss occurred on May 18, 2025, at approximately 6:00PM.
Civil Penalty: $2,500.00

Tomasz Janczy , Wallington, NJ
Order #25-54628-35, January 9, 2026
Respondent, Tomasz Janczy, did knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated January 15, 2025. Specifically, Mr. Janczy failed to disclose a licensed resident and/or regular operator of his insured policy vehicle.
Civil Penalty: $1,500.00

Brett Robinson , Little Egg Harbor Twp., NJ
Order #21-52964-24, January 21, 2026
Respondent, Brett Robinson, did knowingly provide materially false information to Aflac Insurance Company on thirty-three claims under his Accidental policy and one claim under his Cancer policy, during the time period of January 21, 2019 to February 24, 2021, by submitting invalid claims and submitting fraudulent documents in support of many of those claims.
Civil Penalty: $17,000.00

Ruben Perez Mendez , Dover, NJ
Order #23-52584-35, January 21, 2026
Respondent, Ruben Perez Mendez, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated January 23, 2023. Specifically, Mr. Mendez failed to disclose a licensed household resident and/or regular operator of the policy vehicle.
Civil Penalty: $1,500.00

Susan Seo , Fort Lee, NJ
Order #24-56192-35, January 21, 2026
Respondent, Susan Seo, knowingly provided false and misleading information to the New Jersey Manufacturers Insurance Company on an auto policy application dated August 12, 2024. Specifically, Ms. Seo failed to disclose all household members and licensed drivers with access to policy vehicles.
Civil Penalty: $1,500.00

Jhon E. Vergara-Roldan , South Amboy, NJ
Order #25-55907-35, January 21, 2026
Respondent, Jhon E. Vergara-Roldan, did knowingly provide materially false information on an application for automobile insurance to Progressive Drive New Jersey Insurance Company on September 06, 2024, by failing to disclose the true garaging location of the insured vehicle(s).
Civil Penalty: $2,500.00

Shania Roldan , Hammonton, NJ
Order #25-56671-35, January 21, 2026
Respondent, Shania Roldan, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on September 26, 2025, by failing to disclose an additional household resident and operator of the insured vehicle(s).
Civil Penalty: $1,500.00

Hope M. Hutchins , New Providence, NJ
Order #25-50922-47, January 27, 2026
Respondent, Hope M. Hutchins, knowingly made material misrepresentations in support of a pet insurance claim submitted to the Metropolitan Life Insurance Company on October 31, 2024. Specifically, Respondent altered documents to indicate that the services rendered were conducted on May 26, 2024, when, in fact, the office visit was prior to the policy inception.
Civil Penalty: $2,500.00

Victoria Martins , Parlin, NJ
Order #23-50023-51, January 28, 2026
Respondent, Victoria Martins, provided false and misleading information to Progressive Insurance Company when completing a Statement of No Loss form. Specifically, Respondent completed a Statement of No Loss form on December 21, 2022, at 1:44 p.m., certifying that there were no losses involving any of the policy vehicles between December 7, 2022, at 12:01 a.m. and December 21, 2022, at 1:44 p.m., when, in fact, a loss did occur earlier that same day.
Civil Penalty: $1,500.