Jitendra Bhavsar, Edison, NJ
Order #24-53624-53, June 2, 2026
Respondent, Jitendra Bhavsar, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies, in an online claim to Safelite on July 2, 2024, as well as in a recorded statement to Progressive on July 2, 2024, by stating his policy vehicle sustained damage on July 2, 2024, when, in fact, the damage occurred prior to the policy inception on July 1, 2024.
Civil Penalty: $1,500

Anil Mathew, North Brunswick, NJ
Order #26-50656-35, June 2, 2026
Respondent, Anil Mathew, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company during a recorded call on January 21, 2023, by failing to disclose that another individual was a household resident and/or regular operator of the policy vehicle.
Civil Penalty: $1,500

Ramon E. Johnson, Toms River, NJ
Order #26-51175-04, June 2, 2026
Respondent, Ramon E. Johnson, did knowingly provide materially false information during the submission of an automobile property damage claim to GEICO Secure Insurance Company on January 12, 2026, by securing a policy after a loss and providing a false date of loss that was after policy inception.
Civil Penalty: $2,500

Frank J. Olivero, Bayonne, NJ
Order #23-50472-04, June 3, 2026
Respondent, Frank J. Olivero, knowingly provided false and misleading information to Progressive Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Olivero stated that, prior to the January 6, 2023 loss, there was no prior damage to his vehicle, when, in fact, there was pre-existing damage to the vehicle.
Civil Penalty: $3,000

Gabriella Grassi, Old Bridge, NJ
Order #24-54544-35, June 3, 2026
Respondent, Gabriella Grassi, did knowingly fail to disclose a regular operator of the policy vehicle on an auto application dated February 25, 2024. Additionally, Gabriella Grassi also failed to disclose a garaging location of Staten Island, NY.
Civil Penalty: $2,500

Lleny Sipaque Medina, Palisades Park, NJ
Order #24-54864-35, June 3, 2026
Respondent, Lleny Sipaque Medina, knowingly provided false and misleading information to Drive New Jersey Insurance Company on an auto application dated June 14, 2024. Specifically, Ms. Sipaque Medina failed to disclose all household members and licensed drivers with access to policy vehicles.
Civil Penalty: $1,500

Evelyn Gonzalez, Newark, NJ
Order #24-55687-35, June 3, 2026
Respondent, Evelyn Gonzalez, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an application for automobile insurance dated September 13, 2024, by failing to disclose an additional household resident and/or regular operator.
Civil Penalty: $1,500

Judith L. Palinsky, Galloway, NJ
Order #26-50346-35, June 3, 2026
Respondent, Judith L. Palinsky, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on April 23, 2025, and on subsequent dates, by failing to disclose another individual as a household resident and driver of a policy vehicle.
Civil Penalty: $1,500

Timothy Reese, Williamstown, NJ
Order #26-50587-35, June 3, 2026
Respondent, Timothy Reese, did knowingly make materially false statements to Progressive Garden State Insurance Company on an automobile application dated December 2, 2025, by failing to disclose another individual as a household member and/or driver of the policy vehicle.
Civil Penalty: $1,500

George S. Frazer, Jr., Sewell, NJ
Order #26-51206-35, June 3, 2026
Respondent, George S. Frazer, Jr., did knowingly provide materially false information to Progressive Garden State Insurance Company on October 23, 2025, by completing and signing an application for automobile insurance using the personal information of another individual and failing to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500

Dmitriy Kalinin, Haddon Twp., NJ
Order #26-51885-35, June 3, 2026
Respondent, Dmitriy Kalinin, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company by failing to disclose all licensed household residents and drivers during policy calls made on May 30, 2023, September 2, 2023, and November 24, 2023.
Civil Penalty: $1,500

Niles J. Rivers, Bridgeton, NJ
Order #24-50929-04, June 10, 2026
Respondent, Niles J. Rivers, did knowingly provide materially false information to Personal Service Insurance Company/Good 2 Go Insurance Company in support of an automobile property damage claim. Specifically, Respondent submitted an altered police report stating a loss occurred on January 10, 2024, at 4:23 p.m., when, in fact, the loss occurred on January 10, 2024, at 4:42 a.m., which was prior to the inception of the policy.
Civil Penalty: $2,500

Jenna Myhre, Tuckerton, NJ
Order #25-50182-04, June 10, 2026
Respondent, Jenna Myhre, did knowingly provide materially false information to Progressive Garden State Insurance Company on December 23, 2024, and on a subsequent date, in support of an automobile windshield glass damage claim by reporting the loss occurred after the Respondent added a $50 glass deductible to the policy vehicle when, in fact, it occurred prior to the coverage change.
Civil Penalty: $1,500

Abdul Suber, Linden, NJ
Order #25-56348-53, June 10, 2026
Respondent, Abdul Suber, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on September 7, 2025, during a recorded statement in support of an automobile glass damage claim for his insured 2017 Dodge Challenger. Specifically, Respondent stated that the damage to his windshield occurred on September 7, 2025, when, in fact, the damage occurred prior to him adding glass coverage to his insured vehicle on August 27, 2025.
Civil Penalty: $1,500

Meghan A. Santiago, Atco, NJ
Order #26-50623-35, June 10, 2026
Respondent, Meghan A. Santiago, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance signed and dated on March 7, 2025, and on a subsequent policy change request on June 13, 2025, by failing to disclose another individual as a household resident and driver of the policy vehicle.
Civil Penalty: $1,500

Fresnel Mathieu, Pleasantville, NJ
Order #26-50716-35, June 10, 2026
Respondent, Fresnel Mathieu, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on April 28, 2025, by failing to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500

Gwendolyn Moss, Howell, NJ
Order #24-53217-35, June 12, 2026
Respondent, Gwendolyn Moss, did knowingly provide materially false and misleading information to Progressive Insurance Company on an application for insurance dated February 27, 2024, by failing to disclose all drivers and household residents.
Civil Penalty: $1,000

Israel Ogunkola, Newark, NJ
Order #26-50757-35, June 23, 2026
Respondent, Israel Ogunkola, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on May 6, 2025, when adding a 2023 Tesla to his policy by failing to disclose a regular operator of the policy vehicle. Additionally, Respondent stated that he was the registered owner of the policy vehicle, when, in fact, he was not.
Civil Penalty: $1,500

Jose Alejandro Siguencia Benavides and Scooby's Painting LLC, Linden, NJ
Order #23-50422-30, June 17, 2026
Respondents, Jose Alejandro Siguencia Benavides and Scooby's Painting LLC, did knowingly provide false and misleading information to a third-party company in order to secure and maintain a work contract. Specifically Mr. Seguenccia Benavides and Scooby's Painting LLC presented false Certificates of Insurance on March 28, 2022, and again December 22, 2022, indicating that the necessary insurance was active when, in fact, the proper insurance was not maintained.
Civil Penalty: $5,000

Orvin Velasquez Alberto, Kearny, NJ
Order #23-54039-35, June 24, 2026
Respondent, Orvin Velasquez Alberto, knowingly provided false and misleading information to Progressive Insurance Company on an automobile insurance application dated February 11, 2023; specifically, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Tanayri J. Viera, Tampa, FL
Order #24-55025-35, June 24, 2026
Respondent, Tanayri J. Viera, knowingly provided materially false information to Progressive Garden State Insurance Company on an initial automobile insurance application dated August 22, 2024, by failing to disclose the true garaging location of her policy vehicle.
Civil Penalty: $2,500

Keurin Fernandez, East Rutherford, NJ
Order #24-56048-04, June 24, 2026
Respondent, Keurin Fernandez, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Fernandez stated that he struck a deer on September 27, 2024, when, in fact, he crashed into a pole.
Civil Penalty: $3,000

Teofila E. Montero, West New York, NJ
Order #25-50765-04, June 24, 2026
Respondent, Teofila E. Montero, knowingly provided false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim. Specifically, Ms. Montero reported that the accident occurred on January 23, 2025, at 1 p.m., when, in fact, it occurred earlier that same day prior to the addition of the vehicle and an undisclosed licensed driver to the policy.
Civil Penalty: $3,500

Saige A. Vargas, Rutherford, NJ
Order #25-54120-35, June 24, 2026
Respondent, Saige A. Vargas, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile Insurance policy application dated November 3, 2024, and on a policy action on February 5, 2025. Specifically, Ms. Vargas failed to disclose a licensed resident and/or regular operator of the policy vehicles.
Civil Penalty: $1,500

Jorge Chipoco and Unlimited Installation Services LLC, Garfield, NJ
Order #25-55061-30, June 24, 2026
Respondents, Jorge Chipoco and Unlimited Installation Services LLC, knowingly provided false and misleading information on a Certificate of Insurance dated August 11, 2023. Specifically, Mr. Chipoco and Unlimited Installation Services LLC listed information indicating that there were valid insurance policies in effect for Commercial, Contractual, Automobile Liability, and Workers Compensation Insurance when, in fact, these policies listed, were not in effect.
Civil Penalty: $2,500

Djounaika Lima, Vineland, NJ
Order #25-55906-35, June 24, 2026
Respondent, Djounaika Lima, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 29, 2024, on an initial automobile application, and during subsequent statements, when she failed to disclose another individual as a household member and driver of the policy vehicles.
Civil Penalty: $1,500

Brian A. Read, Broomall, PA
Order #24-50316-16, May 6, 2026
Respondent, Brian A. Read, did knowingly provide materially false information on an application for automobile insurance to Progressive Drive New Jersey Insurance Company on October 13, 2023, by taking out the policy in the name of another individual that was deceased.
Civil Penalty: $1,500

Lisa Kravetsky, Asbury, NJ
Order #24-50370-35, May 6, 2026
Respondent, Lisa Kravetsky, did knowingly provide false and misleading information on her auto insurance application with the Progressive Group of Insurance Companies on October 23, 2023, by failing to disclose a regular operator of the insured vehicle.
Civil Penalty: $1,500

Mary Angelo, Kissimmee, FL
Order #24-51169-35, May 6, 2026
Respondent, Mary Angelo, did knowingly provide materially false information to CURE Auto Insurance Company on an initial application for automobile insurance on October 11, 2023, by failing to disclose another individual as a household member and/or driver of the policy vehicle.
Civil Penalty: $1,500

Lakisha Walker, Trenton, NJ
Order #24-51307-03, May 6, 2026
Respondent, Lakisha Walker, provided false and misleading information to GEICO, pertaining to a vehicle theft claim. Specifically, on September 23, 2023, Respondent reported to GEICO that her vehicle had been stolen, when, in fact, she knew that there had been no theft of the insured vehicle.
Civil Penalty: $2,000

Wilson Contreras, Trenton, NJ
Order #24-55717-51, May 6, 2026
Respondent, Wilson Contreras, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on Oct 24, 2024, at 3:37 p.m., in an online Statement of No Loss, by stating that his policy vehicle had not been involved in any accidents since the policy canceled on Oct 12, 2024, when, in fact, it had been involved in an accident on Oct 24, 2024, at 2:42 p.m., prior to reinstatement of the policy.
Civil Penalty: $2,500

Emelie Lucas, Jersey City, NJ
Order #25-53428-04, May 6, 2026
Respondent, Emelia Lucas, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on May 20, 2025, in pursuit an automobile property damage claim. Specifically, Ms. Lucas stated that she was involved in an accident on May 17, 2025, at 6 p.m., when, in fact, the crash occurred earlier that same day prior to policy inception.
Civil Penalty: $3,500

Marinela Selfo, Budd Lake, NJ
Order #25-54071-39, May 6, 2026
Respondent, Marinela Selfo, did knowingly provide materially false information to Pacific Life Insurance Company on a life insurance application dated and signed on January 5, 2024. Specifically, in Section 8 of the application, Ms. Selfo failed to disclose her complete and true medical history.
Civil Penalty: $2,500

Alisher Shamov, Manalapan, NJ
Order #25-54222-31, May 6, 2026
Respondent, Alisher Shamov, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on December 26, 2024, on an application for insurance by providing the garaging location of the policy vehicle as Manalapan, NJ, when, in fact, the garaging location was Brooklyn, NY. Furthermore, Respondent submitted altered documents in support of his residency.
Civil Penalty: $2,000

Harold Shomo, Atco, NJ
Order #25-55820-41, May 6, 2026
Respondent, Harold Shomo, did knowingly provide materially false information to American Health and Life Insurance Company on March 14, 2024, April 16, 2024, August 14, 2024, and January 10, 2025, by providing altered documents in support of disability claims.
Civil Penalty: $10,000

Tania S. Caruso, Brick, NJ
Order #26-50063-53, May 6, 2026
Respondent, Tania S. Caruso, did knowingly provide materially false information to Progressive Garden State Insurance Company in support of an automobile windshield damage claim on December 24, 2025, during a Safelite claim and in a recorded statement by providing the date of loss as December 24, 2025, after she added glass coverage to her policy, when, in fact, the damage was present prior to the coverage addition.
Civil Penalty: $1,500

Michael Anthony Petta, Turnersville, NJ
Order #26-50273-04, May 6, 2026
Respondent, Michael Anthony Petta, did knowingly provide materially false information during the submission of two (2) automobile property damage claims to GEICO Secure Insurance Company on January 6, 2026, and January 13, 2026, by providing a false date of loss after the policy was in effect, when, in fact, the loss occurred prior.
Civil Penalty: $3,000

Steven V. Le, Pleasantville, NJ
Order #26-50736-35, May 6, 2026
Respondent, Steven V. Le, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on October 30, 2024, by failing to disclose the actual garaging location of an insured policy vehicle.
Civil Penalty: $1,500

Latoya Sharell Merritt, Berlin, NJ
Order #26-50759-51, May 6, 2026
Respondent, Latoya Sharell Merritt, did knowingly provide materially false information during the submission of an automobile property damage claim to Progressive Garden State Insurance Company on September 4, 2025, by providing a false Statement of No Loss indicating she was not involved in any losses during the policy lapse period, when, in fact, she was. She then filed a claim for the loss.
Civil Penalty: $2,500

Ferdinand Rivera, Somerdale, NJ
Order #26-51839-35, May 6, 2026
Respondent, Ferdinand Rivera, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on November 15, 2025, by failing to disclose the true and accurate garaging location of a policy vehicle.
Civil Penalty: $2,500

Vipin Patel, Somerville, NJ
Order #25-51481-04, May 14, 2026
Respondent, Vipin Patel, provided false and misleading information to GEICO Insurance Company pertaining to a vehicle damage claim. Specifically, Respondent reported to GEICO that his vehicle sustained front and rear damage during a loss that occurred on February 25, 2025, however, it was determined that the rear damage was pre-existing damage from a prior loss.
Civil Penalty: $2,000

Bartolo Diaz Morelos, Elizabeth, NJ
Order #25-56461-35, May 14, 2026
Respondent, Bartolo Diaz Morelos, provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated March 4, 2025. Specifically, Respondent failed to list an additional household resident and/or driver with access to the policy vehicle(s).
Civil Penalty: $1,500

Seth A. Kelley, Millville, NJ
Order #25-56522-04, May 14, 2026
Respondent, Seth A. Kelley, did knowingly provide materially false information to Progressive Garden State Insurance Company on October 3, 2025, relative to an automobile claim, by stating that the damages occurred after the addition of comprehensive and collision coverages to his motorcycle policy when, in fact, the damages occurred prior to the policy change.
Civil Penalty: $2,500

Rajesh Vepuri, Chesterfield, NJ
Order #26-50962-53, May 14, 2026
Respondent, Rajesh Vepuri, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 2, 2026, and on a subsequent date in support of an automobile glass damage claim by providing a date of loss of January 27, 2026, after he added comprehensive coverage to his policy, when, in fact, the damage occurred prior to the coverage change.
Civil Penalty: $2,500

Anuj Gandhi, Sicklerville, NJ
Order #26-51136-04, May 14, 2026
Respondent, Anuj Gandhi, did knowingly provide materially false information to Progressive Garden State Insurance Company on February 19, 2026, during an initial claim report by stating that his insured vehicle suffered damage on February 19, 2026, at 6 p.m., when, in fact, the vehicle suffered the damage prior to him lowering the collision deductible on the vehicle.
Civil Penalty: $2,500

Shane Campbell, Paterson, NJ
Order #23-50020-05, May 21, 2026
Respondent, Shane Campbell, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in support of an Automobile Bodily Injury claim. Specifically, Mr. Campbell stated that he was the driver of a vehicle when it was involved in an accident on December 2, 2022, when, in fact, he was not in the vehicle and conspired to conceal that another individual was the actual operator and sole occupant of the vehicle.
Civil Penalty: $2,500

Cesar Cubas, Wayne, NJ
Order #23-50852-09, May 21, 2026
Respondent, Cesar Cubas, knowingly provided false and misleading information to CURE Insurance Company on an automobile insurance application dated May 25, 2022. Specifically, Mr. Cubas stated that his vehicles would be used for personal use only, when, in fact, the insured vehicles were used for commercial purposes. Respondent, Cesar Cubas, knowingly provided false and misleading information to CURE Insurance Company on an automobile insurance application dated May 25, 2022. Specifically, Mr. Cubas failed to disclose additional licensed residents and/or operators.
Civil Penalty: $3,000

Brian D. Alleyne, Newark, NJ
Order #23-52908-06, May 21, 2026
Respondent, Brian D. Alleyne, did knowingly provide false and misleading information to Liberty Mutual Insurance Company on May 3, 2023, and May 18, 2023, by stating that his vehicle had been stolen on May 2, 2023, when, in fact, he had his vehicle burned.
Civil Penalty: $5,000

Nelson Bethea, Trenton, NJ
Order #24-54775-351, May 21, 2026
Respondent, Nelson Bethea, provided false and misleading information to Plymouth Rock Assurance Insurance Company when adding a 2014 Lincoln MKZ to his policy on July 2, 2024. Specifically, Respondent stated that he was the registered owner of the vehicle, the vehicle would be garaged at the policy address and no one residing outside the household would be driving the vehicle. It was found that the vehicle was not registered to him, was not garaged at the policy address, and was regularly operated by someone residing outside the household.
Ci vil Penalty: $1,500

Michael Chen, Fort Lee, NJ
Order #25-50044-04, May 21, 2026
Respondent, Michael Chen, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies when pursuing an auto property damage claim. Specifically, Mr. Chen stated that he discovered a windshield crack on December 4, 2024, when, in fact, the damage occurred on or before November 27, 2024, which was prior to him adding glass coverage and lowering his deductibles.
Civil Penalty: $1,500

Dora Alcivar Cedeno, Hackensack, NJ
Order #25-52079-35, May 21, 2026
Respondent, Dora Alcivar Cedeno, did knowingly provide false and misleading information to Progressive Insurance Company on an automobile insurance application dated November 25, 2024. Specifically, Ms. Alcivar Cedeno failed to disclose a regular licensed operator of the policy vehicle.
Civil Penalty: $1,500

Jason T. Johnson, Piscataway, NJ
Order #25-54735-35, May 21, 2026
Respondent, Jason T. Johnson, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on April 25, 2024, and October 9, 2024, in recorded conversations by failing to disclose all household members and operators of the policy vehicles.
Civil Penalty: $1,500

Ricardo Seclen Sr., Clifton, NJ
Order #25-55746-35, May 21, 2026
Respondent, Ricardo Seclen Sr., knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on an automobile insurance policy application dated October 20, 2017, and on subsequent policy change requests. Specifically, Mr. Seclen Sr. failed to disclose household residents with permits, licensed residents, and/or regular operators.
Civil Penalty: $1,500

Hasin P. Patel, Edison, NJ
Order #25-58307-15, May 21, 2026
Respondent, Hasin P. Patel, knowingly provided false and misleading information to American Bankers Insurance Company of Florida in support of a renter's property claim. Specifically, Respondent supplied supporting documentation for dates October 9, 2025, to November 30, 2025, to show that he resided in a hotel when his home was deemed unlivable, when, in fact, it was determined he never resided at the hotel during this time period.
Civil Penalty: $2,500

Frances Taylor, Kissimmee, FL
Order #23-50895-04, May 27, 2026
Respondent, Frances Taylor, did knowingly provide materially false information during the presentation of an auto property damage claim to Progressive Garden State Insurance Company. Specifically, Ms. Taylor stated that the damage was the result of a hit-and-run accident on February 23, 2023, when, in fact, the accident occurred on or about January 31, 2023, before she lowered the collision deductible on her auto policy.
Civil Penalty: $2,500

Christie L. Reyes, Rockaway, NJ
Order #23-53185-03, May 27, 2026
Respondent, Christie L. Reyes, knowingly provided false and misleading information to Progressive Insurance Company when pursuing an auto property theft claim. Specifically, Ms. Reyes stated that the automobile theft occurred on July 16, 2023, at 1:30 p.m. when, in fact, the policy vehicle was stolen earlier that day at approximately 11:56 a.m., before there was coverage in effect.
Civil Penalty: $4,000

Alexander Menes, New Brunswick, NJ
Order #24-53639-35, May 27, 2026
Respondent, Alexander Menes, did knowingly misrepresent a material fact on an auto application dated July 11, 2023, by failing to disclose a household member and/or frequent operator of the policy vehicle.
Civil Penalty: $1,500

Darnell Dance, Union, NJ
Order #24-53821-04, May 27, 2026
Respondent, Darnell Dance, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in a first notice of loss dated June 24, 2024, by stating damages had occurred that day, when, in fact, the damages occurred prior to inception on June 21, 2024. Furthermore, Darnell Dance did knowingly provide false and misleading information in a recorded statement dated July 10, 2024, by stating there was no prior damage to the policy vehicle.
Civil Penalty: $1,500

Carrie E. Wall, Dover, NJ
Order #24-56304-04, May 27, 2026
Respondent, Carrie E. Wall, did knowingly make a material misrepresentation in the presentation of a property damage claim to GEICO Indemnity Insurance Company on October 22, 2024. Specifically, Ms. Wall reported that all of the auto damage was the result of a single comprehensive claim, when, in fact, the vehicle's damage was the result of multiple collisions.
Civil Penalty: $4,000

Nzinga Diop, Wall Township, NJ
Order #24-56349-04, May 27, 2026
Respondent, Nzinga Diop, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on a first notice of loss involving the insured's 2024 Honda HR-V. Specifically, Respondent stated that the damage to her vehicle occurred on November 7, 2024, when, in fact, the damage was present on the 2024 Honda HR-V on or about October 22, 2024, which was prior to the October 24, 2024, policy inception date.
Civil Penalty: $2,500

Marcus C. Fuchs, Voorhees, NJ
Order #25-50619-04, May 27, 2026
Respondent, Marcus C. Fuchs, did knowingly provide materially false information to Progressive Garden State Insurance Company on January 3, 2025, and during subsequent calls, in support of an automobile property damage claim. Specifically, the Respondent indicated that the loss occurred after the addition of glass coverage to his automobile policy when, in fact, the loss occurred prior to the policy change.
Civil Penalty: $1,500

Mollie Gage, Rockleigh, NJ
Order #25-51179-51, May 27, 2026
Respondent, Mollie Gage, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company during two separate policy reinstatement telephone calls on June 7, 2024, at approximately 7:00 a.m. and 7:16 a.m.. Specifically, Ms. Gage stated that neither she, nor anyone with access to the policy vehicles, had been involved in any accidents, received any violations, or any vehicles have been damaged, since the policy cancellation, when, in fact, a policy vehicle was involved in a motor vehicle accident earlier that same morning.
Civil Penalty: $2,500

Liester Romay, Linden, NJ
Order #25-52147-35, May 27, 2026
Respondent, Liester Romay, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on November 20, 2024, when he failed to list all drivers/household residents on an auto insurance application.
Civil Penalty: $1,500

Barry Goldberg, Dumont, NJ
Order #25-53290-35, May 27, 2026
Respondent, Barry Goldberg, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated September 19, 2024. Specifically, Mr. Goldberg failed to disclose a licensed resident and/or operator of his insured policy vehicle.
Civil Penalty: $1,500

Saul Lucas Bautista, Millville, NJ
Order #25-53495-35, May 27, 2026
Respondent, Saul Lucas Bautista, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for automobile insurance on December 13, 2024, by failing to disclose another individual as a household resident and/or driver of the policy vehicle.
Civil Penalty: $1,500

Taylor J. Nicholas, Brick, NJ
Order #25-53744-04, May 27, 2026
Respondent, Taylor J. Nicholas, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company on May 20, 2025, in support of a windshield glass damage claim, by stating that the damage occurred after her policy inception, when, in fact, it occurred prior.
Civil Penalty: $1,500

Zayana V. Chebulova, Jackson, NJ
Order #25-54283-31, May 27, 2026
Respondent, Zayana V. Chebulova, did knowingly provide materially false information to Drive New Jersey Insurance Company on an application for automobile insurance on December 17, 2024, by failing to disclose another individual as a driver and the true garaging location of a policy vehicle.
Civil Penalty: $2,500

Aaryanna Torto, Millville, NJ
Order #25-54472-04, May 27, 2026
Respondent, Aaryanna Torto, did knowingly make material misrepresentations to GEICO Auto Insurance on a first notice of loss filed on July 6, 2025, and during a subsequent interview in support of an automobile property damage claim, as well as on an application for Personal Injury Protection benefits, by stating that the loss occurred after the vehicle was added to the policy, when, in fact, the loss occurred prior to the vehicle being added to the policy.
Civil Penalty: $2,500

Gail D. Coleman, Jackson, NJ
Order #25-54602-35, May 27, 2026
Respondent, Gail D. Coleman, did knowingly provide materially false information to Drive New Jersey Insurance Company on an application for automobile insurance on February 4, 2025, by failing to disclose another individual as a driver of a policy vehicle.
Civil Penalty: $1,500

Clark Azuaje Perdomo, East Elmhurst, NY
Order #25-55468-31, May 27, 2026
Respondent, Clark Azuaje Perdomo, knowingly provided false and misleading information on an application for automobile insurance submitted to Progressive Insurance Company dated February 5, 2025. Specifically, Mr. Perdomo indicated that he resided and garaged his vehicles in New Jersey, when, in fact, he primarily resided and garaged his vehicles in New York.
Civil Penalty: $3,500

Michelle Brown, North Plainfield, NJ
Order #25-57278-47, May 27, 2026
Respondent, Michelle Brown, knowingly prepared and provided false and misleading information on a pet insurance claim submitted to Nationwide Mutual Insurance Company on October 8, 2025. Specifically, Respondent submitted an altered veterinary invoice for veterinary treatment for her pet in support of her claim.
Civil Penalty: $1,500

George Estelle, Browns Mills, NJ
Order #26-50388-04, May 27, 2026
Respondent, George Estelle, did knowingly provide materially false and misleading information to CURE Auto Insurance Company when reinstating his automobile policy on August 15, 2025, and during the submission of a first notice of loss on August 16, 2025. Specifically, the Respondent failed to disclose that he and his vehicle had been involved in an accident during the lapse period. Additionaly, he filed a claim for the loss and misrepresented the date of the loss to be after the policy had been reinstated, when, in fact, it occurred prior.
Civil Penalty: $2,500

Edwin I. Morales Polanco, West Orange, NJ
Order #26-50823-35, May 26, 2026
Respondent, Edwin I. Morales Polanco, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company (NJM) during a phone call on November 10, 2023, and subsequently on multiple phone calls with NJM regarding policy changes thereafter, by failing to disclose that another individual was a household resident and/or regular operator of the policy vehicle.
Civil Penalty: $1,500

Leonard M. Forte, West Deptford, NJ
Order #26-50852-04, May 27, 2026
Respondent, Leonard M. Forte, did knowingly provide materially false information to The Hartford Accident and Indemnity Company on February 3, 2026, and on subsequent dates in support of an automobile property damage claim. Specifically, the Respondent indicated that the damages occurred to his vehicle after the addition of comprehensive and collision coverages to his automobile policy when, in fact, the damages occurred prior to the policy change.
Civil Penalty: $2,500

Basilia DeJesus Encarnacion, Trenton, NJ
Order #26-51205-35, May 27, 2026
Respondent, Basilia DeJesus Encarnacion, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on August 8, 2025, by failing to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500

Sabri A. Issa, Paterson, NJ
Order #23-53980-35, April 6, 2026
Respondent, Sabri A. Issa, did knowingly make a material misrepresentation on information presented to New Jersey Manufacturers Insurance Company, to secure an auto insurance policy dated May 4, 2018, as well as on subsequent renewals through 2023. Specifically, Mr. Issa failed to disclose a licensed household resident and driver of the policy vehicle(s).
Civil Penalty: $1,500

Matthew Dombrowski, DBA, Matthew's Outdoor Adventures, LLC., South Plainfield, NJ
Order #24-50998-38, April 6, 2026
Respondents, Matthew Dombrowski, DBA, Matthew's Outdoor Adventures, LLC., did knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on a boat policy in 2020 and additional renewals dates in 2021 and 2022, when, in fact, he was operating a commercial business under a personal policy and failed to disclose additional driver(s) of the vessel(s).
Civil Penalty: $1,000

Tracy Mamatz-Klima, Bogota, NJ
Order #24-52836-51, April 6, 2026
Respondent, Tracy Mamatz-Klima, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a Statement of No Loss dated December 27, 2023 at 3:07 p.m. Specifically, Ms. Mamatz-Klima stated that her vehicle had not been involved in any accidents since her policy lapsed on December 20, 2023, when, in fact, her vehicle was involved in an accident earlier that same day, prior to the reinstatement.
Civil Penalty: $2,500

Claudio O. Perez-Jara, Corona, NY
Order #24-53870-31, April 6, 2026
Respondent, Claudio O. Perez-Jara, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile application dated November 28, 2023. Specifically, Mr. Perez-Jara declared that he lived and garaged the policy vehicle in New Jersey, when, in fact, he primarily resided and garaged the vehicle in New York.
Civil Penalty: $2,500

Davonte Smith, Highland Lakes, NJ
Order #24-56076-04, April 6, 2026
Respondent, Davonte Smith, knowingly provided false and misleading information to Progressive Insurance Company in support of an auto property damage claim. Specifically, Mr. Smith stated that a policy vehicle was damaged after striking a deer on October 22, 2024, when, in fact, the loss occurred on October 17, 2024, before his auto policy coverage was in effect.
Civil Penalty: $3,500

Keisha S. Montalvo, Hackensack, NJ
Order #24-56162-53, April 6, 2026
Respondent, Keisha S. Montalvo, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in support of an auto property damage claim. Specifically, Ms. Montalvo stated that her automobile windshield was damaged on November 3, 2024, when, in fact, the damage was pre-existing and occurred prior to policy inception and the addition of a glass coverage deductible on November 1, 2024.
Civil Penalty: $1,500

Alberto Pena, Edison, NJ
Order #25-52609-35, April 6, 2026
Respondent, Alberto Pena, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on November 27, 2023, and April 25, 2024, in recorded calls by failing to disclose all household members and operators of the policy vehicles.
Civil Penalty: $1,500

Elva Cabrera, Hackensack, NJ
Order #25-52835-35, April 6, 2026
Respondent, Elva Cabrera, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated July 30, 2024. Specifically, Ms. Cabrera failed to disclose a regular operator of her insured policy vehicle.
Civil Penalty: $1,500

Flor Nieto, Elizabeth, NJ
Order #25-53605-35, April 6, 2026
Respondent, Flor Nieto, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies by failing to list all household members and frequent operators on October 25, 2024, on an auto insurance application.
Civil Penalty: $1,500

Jose Mario Mata, Passaic, NJ
Order #25-55446-35, April 6, 2026
Respondent, Jose Mario Mata, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an application for automobile insurance dated January 24, 2025. Specifically, Mr. Mata failed to disclose a licensed driver and/or regular operator with access to the policy vehicle.
Civil Penalty: $1,500

Claudia K. Chavez, Cliffside Park, NJ
Order #25-55831-35, April 6, 2026
Respondent, Claudia K. Chavez, knowingly provided false and misleading statements to Progressive Garden State Insurance Company on an automobile policy application dated August 28, 2024, as well as on numerous policy actions through 2025. Specifically, Ms. Chavez failed to disclose an additional household member and operator of the insured policy vehicle.
Civil Penalty: $1,500

Fabian A. Victoria-Castillo, Kenilworth, NJ
Order #25-55913-34, April 6, 2026
Respondent, Fabian A. Victoria-Castillo, knowingly submitted false and misleading information to Crum & Foster Insurance Company's third-party administrator, Cover Genius, in support of a claim for reimbursement of concert tickets. Specifically, Mr. Victoria-Castillo submitted a fraudulent COVID-19 laboratory test result, dated August 27, 2025, showing a positive result, thus allegedly preventing him from attending the concert, when, in fact, he was never seen by that laboratory on the alleged date.
Civil Penalty: $3,500

Jose A. Vargas-Guilbe, Villas, NJ
Order #24-51801-05, April 13, 2026
Respondent, Jose A. Vargas-Guilbe, did knowingly provide materially false information to Progressive Garden State Insurance Company on November 30, 2023, by submitting a fraudulent/fictitious medical bill in support of an automobile bodily injury claim.
Civil Penalty: $2,500

Yasmin Banson, Newark, DE
Order #24-52057-35, April 13, 2026
Respondent, Yasmin Banson, did knowingly provide materially false information on an application for automobile insurance to CURE Auto Insurance Company on December 15, 2023, by failing to disclose additional household members, one of whose New Jersey driver's license was suspended.
Civil Penalty: $1,500

Quatasia Page, Irvington, NJ
Order #24-52373-52, April 13, 2026
Respondent, Quatasia Page, knowingly provided false and misleading information to State National Specialty Insurance Company on a NJ SAIP automobile insurance application on February 27, 2024. Specifically, Respondent indicated that she was not covered under any other automobile liability policy, when, in fact, she was a policy holder of a 21st Century Insurance Company Personal Automobile Insurance Plan.
Civil Penalty: $1,000

Petros Abajyan, Flemington, NJ
Order #24-53334-53, April 13, 2026
Respondent, Petros Abajyan, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company (NJM), in a claim to Safelite on June 6, 2024, as well as in a recorded statement to NJM on June 13, 2024, by stating his policy vehicle sustained damage on June 1, 2024, when, in fact, the damage occurred prior to the lowering of his comprehensive deductible on May 24, 2024.
Civil Penalty: $1,500

Tacoya Johnson, Neptune, NJ
Order #24-56289-51, April 13, 2026
Respondent, Tacoya Johnson, provided false and misleading information to Progressive Insurance Company on a Statement of No Loss when reinstating her automobile insurance policy. Specifically, Respondent completed a Statement of No Loss on November 23, 2024, at 9:34 p.m., certifying that there were no losses involving the policy vehicle, a 2020 Jeep Compass, between November 2, 2024, and November 23, 2024, at 9:32 p.m., when, in fact, a loss did occur on November 18, 2024, with the policy vehicle.
Civil Penalty: $2,500

Valeria Quinga, Elizabeth, NJ
Order #25-50788-35, April 13, 2026
Respondent, Valeria Quinga, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on a policy application dated October 13, 2023. Specifically, Respondent failed to disclose an additional household member with access to a policy vehicle.
Civil Penalty: $1,500

Juan C. Merino Martos, Freehold, NJ
Order #25-53227-04, April 13, 2026
Respondent, Juan C. Merino Martos, knowingly provided false and/or misleading information to the Progressive Group of Insurance Companies in pursuit of an automobile glass claim. Specifically, Respondent reported that his windshield cracked on his insured 2021 Hyundai Santa Fe on April 30, 2025, after he added comprehensive glass coverage to his policy on April 30, 2025, at 3:13 p.m., when, in fact, the damage to his insured vehicle occurred on or before April 20, 2025.
Civil Penalty: $1,500

Anthony Wayne Watson Jr., Marlton, NJ
Order #25-57280-04, April 13, 2026
Respondent, Anthony Wayne Watson Jr., did knowingly provide materially false information to GEICO Secure Insurance Company during the submission of an automobile property damage claim on November 7, 2025, by providing a false date of loss after the policy inception, when, in fact, the loss occurred prior.
Civil Penalty: $2,500

Ava M. Casales, Toms River, NJ
Order #26-50109-53, April 13, 2026
Respondent, Ava M. Casales, did knowingly provide materially false information to Progressive Garden State Insurance Company on November 24, 2025. in support of an automobile glass damage claim by reporting the loss date as October 25, 2025, when, in fact, the loss occurred on September 5, 2025, prior to the policy inception date.
Civil Penalty: $1,500

Jose Gustavo Prado Jr., Pleasantville, NJ
Order #26-50228-35, April 13, 2026
Respondent, Jose Gustavo Prado, did knowingly provide materially false information on an automobile insurance application to Progressive Garden State Insurance Company on September 7, 2025, by failing to disclose an additional household resident and operator of his insured vehicles.
Civil Penalty: $1,500

Kevin Willis, Jr., Newark, NJ
Order #23-51200-04, April 15, 2026
Respondent, Kevin Willis, Jr., knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on February 14, 2023, on an auto property damage claim, by reporting that a loss occurred to his policy vehicle, 2010 BMW 750, on February 12, 2023, when, in fact, the loss occurred prior to the policy inception on February 10, 2023. Furthermore, Kevin Willis, Jr. provided an altered AAA tow document in support of his claim with a date of loss listed as February 12, 2023, when, in fact, the damage occurred as early as January 12, 2023.
Civil Penalty: $2,500

Joel N. Dominguez, Union City, NJ
Order #23-54041-35, April 15, 2026
Respondent, Joel N. Dominguez, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated March 25, 2023. Specifically, Mr. Dominguez failed to disclose a regular operator of the policy vehicle.
Civil Penalty: $1,500

Donna M. Linfante, Belleville, NJ
Order #24-52937-51, April 15, 2026
Respondent, Donna M. Linfante, knowingly concealed relevant information on a Statement of No Loss which was provided to Progressive Insurance Company on June 6, 2024, at 8:16 am. Specifically, Ms. Linfante indicated that she and/or her policy vehicle were not involved in any motor vehicle accidents since May 26, 2024, when, in fact, her vehicle was involved in a motor vehicle accident earlier that same day.
Civil Penalty: $2,500

Guadalupe Garcia, Jackson, NJ
Order #25-54557-35, April 15, 2026
Respondent, Guadalupe Garcia, did knowingly make material misrepresentations to Progressive Garden State Insurance Company beginning on March 22, 2025, by failing to disclose an additional household member and operator of an insured vehicle.
Civil Penalty: $1,500

Khavir Hussain, Paterson, NJ
Order #25-55325-47, April 15, 2026
Respondent, Khavir Hussain, did knowingly submit two (2) altered invoices to Nationwide Insurance Company on August 7, 2025, in reference to a pet insurance claim. Specifically, Khavir Hussain submitted the first invoice on August 7, 2025, which was altered to reflect a date of service prior to the policy inception. The second invoice submitted on August 7, 2025, was submitted with an altered date of service and dollar amount of the claim.
Civil Penalty: $2,000

Vincent Williams, Burlington, NJ
Order #25-57387-35, April 15, 2026
Respondent, Vincent Williams, did knowingly provide materially false information during a recorded policy amendment call to Progressive Garden State Insurance Company on May 19, 2025, by failing to disclose another resident/driver at the policy address who was later involved in a loss driving a policy vehicle which resulted in a third-party claim being filed.
Civil Penalty: $1,500

Julena Williams, Burlington, NJ
Order #25-57387-35, April 15, 2026
Respondent, Julena Williams, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on November 21, 2024, by failing to disclose another resident/driver at the policy address who was later involved in a loss driving a policy vehicle which resulted in a third-party claim being filed.
Civil Penalty: $1,500

Jesus Santiago Sr., Toms River, NJ
Order #25-57655-35, April 15, 2026
Respondent, Jesus Santiago Sr., did knowingly make materially false statements to Progressive Garden State Insurance Company on an automobile application dated August 23, 2025, and on a subsequent date, by failing to disclose other individuals as household members and/or drivers of the policy vehicles.
Civil Penalty: $1,500

Celesk Butters, Irvington, NJ
Order #25-58331-39, April 15, 2026
Respondent, Celesk Butters, did knowingly provide materially false information on a life insurance application to Nationwide General Insurance Company on December 19, 2024, by failing to disclose the true medical history of the proposed insured.
Civil Penalty: $2,500

Tavan Wright, Brooklyn, NY
Order #23-50729-31, April 21, 2026
Respondent, Tavan Wright, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on January 12, 2023, on an application for insurance, and on February 12, 2023, and February 14, 2023, during recorded statements, by providing the garaging location of her policy vehicle as in New Jersey, when, in fact, the garaging location was actually in New York.
Civil Penalty: $2,500

Carlos Cinorel De Sousa, Eatontown, NJ
Order #25-50787-35, April 21, 2026
Respondent, Carlos Cinorel De Sousa, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on June 14, 2024, in an auto insurance application by failing to list all household members and frequent operators.
Civil Penalty: $1,500

Ramon Casales, Toms River, NJ
Order #26-50109-53, April 21, 2026
Respondent, Ramon Casales, did knowingly provide materially false information to Progressive Garden State Insurance Company on November 22, 2025, in support of an automobile glass damage claim by reporting the loss date as October 25, 2025, when, in fact, the loss occurred on September 5, 2025, prior to the policy inception date.
Civil Penalty: $1,500

Maria Ortiz Penafiel, Trenton, NJ
Order #24-52303-35, April 27, 2026
Respondent, Maria Ortiz Penafiel, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for insurance on October 20, 2023, by failing to disclose that another individual was a regular operator of the policy vehicle.
Civil Penalty: $1,500

Russell Hardy, Old Bridge, NJ
Order #24-56080-04, April 27, 2026
Respondent, Russell Hardy, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on November 15, 2024, in an online claim to Safelite and on November 18, 2024, in a phone call with Progressive, by stating that a loss occurred November 11, 2024, when, in fact, the loss occurred on or before October 31, 2024, prior to the comprehensive coverage deductible being added.
Civil Penalty: $1,500

Delores Brown, Edison, NJ
Order #25-54858-35, April 27, 2026
Respondent, Delores Brown, provided false and misleading information to New Jersey Manufacturers Insurance Company on her automobile insurance application dated August 24, 2023, and subsequent policy changes throughout the policy period. Specifically, Respondent failed to list an additional household resident and/or driver with access to policy vehicle(s).
Civil Penalty: $1,500

Francisco Mendoza Razo, Paterson, NJ
Order #23-52397-35, April 29, 2026
Respondent, Francisco Mendoza Razo, did knowingly provide materially false information to Progressive Garden State Insurance Company on an application for automobile insurance dated April 1B, 2023, by failing to disclose another individual as a household resident and driver of a policy vehicle.
Civil Penalty: $1,500

Jonattan Vargas Castillo, Central Islip, NY
Order #23-52638-31, April 29, 2026
Respondent, Jonattan Vargas Castillo, did knowingly provide a materially false statement to Progressive Garden State Insurance Company on an automobile insurance application dated February 2, 2023. Specifically, Mr. Vargas Castillo indicated that he resided and garaged his vehicle in New Jersey, when, in fact, he resided and garaged his vehicle in New York.
Civil Penalty: $2,500

Maykol J. Alvarez-Castro, Old Bridge, NJ
Order #23-53210-51, April 29, 2026
Respondent, Maykol J. Alvarez-Castro, knowingly provided materially false and misleading information to the Progressive Group of Insurance Companies on a Statement of No Loss dated June 30, 2023, at 6:24 p.m. Specifically, Respondent stated that no policy vehicle had been involved in any accidents or sustained any damage during the policy lapse period between June 7, 2023, and June 30, 2023, when, in fact, he had been in an accident on June 23, 2023, prior to the reinstatement of the policy.
Civil Penalty: $2,500

Mereme Veliu, Franklin, NJ
Order #24-55849-35, April 29, 2026
Respondent, Mereme Veliu, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated September 11, 2024. Specifically, Ms. Veliu failed to disclose a licensed resident and/or regular operator of her policy vehicles.
Civil Penalty: $1,500

Vicente Diaz Lopez, Passaic, NJ
Order #25-53608-35, April 22, 2026
Respondent, Vicente Diaz Lopez, knowingly provided false and misleading statements to Drive New Jersey Insurance Company on an automobile policy application dated June 4, 2024. Specifically, Mr. Diaz Lopez failed to disclose an additional household member and operator of the insured vehicle.
Civil Penalty: $1,500

Silvana Sonera, Wayne, NJ
Order #25-50197-35, April 29, 2026
Respondent, Silvana Sonera, did knowingly provide materially false and misleading statements to the Progressive Group of Insurance Companies on an automobile policy application dated November 26, 2024. Specifically, Ms. Sonera failed to list a licensed household member and operator of the insured vehicle(s) on her automobile policy.
Civil Penalty: $1,500

Rina V. Romero-Deleon, Garfield, NJ
Order #25-53956-34, April 29, 2026
Respondent, Rina V. Romero-Deleon, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an application for boat insurance dated May 14, 2025. Specifically, Ms. Romero-Deleon failed to list an operator with ownership interest in the watercraft.
Civil Penalty: $1,500

Khavir Hussain, Paterson, NJ
Order #25-55325-47, April 29, 2026
Respondent, Khavir Hussain, did knowingly submit two (2) altered invoices to Nationwide Insurance Company on August 7, 2025, in reference to a pet insurance claim. Specifically, Khavir Hussain submitted the first invoice on August 7, 2025, which was altered to reflect a date of service prior to the policy inception. The second invoice submitted on August 7, 2025, was submitted with an altered date of service and dollar amount of the claim.
Civil Penalty: $2,000

Raymond D. Stack, Manahawkin, NJ
Order #25-56320-04, April 29, 2026
Respondent, Raymond D. Stack, did knowingly provide materially false information to Progressive Garden State Insurance Company during the submission of an automobile property damage claim and during a recorded call on September 16, 2025, by providing a false date of loss after the policy incepted, when, in fact, the loss occurred prior to the policy inception.
Civil Penalty: $2,500

Oscar O. Caceresgalindo, Pleasantville, NJ
Order #25-57492-35, April 29, 2026
Respondent, Oscar O. Caceresgalindo, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial automobile application dated February 18, 2025, and on July 16, 2025, when he added a vehicle to his automobile policy, by failing to disclose another individual as a household member and/or regular driver, as well as his true residence.
Civil Penalty: $1,500

Latrice Harley, Jersey City, NJ
Order #23-51465-31, March 6, 2026
Respondent, Latrice Harley, knowingly provided false and misleading information to Progressive Insurance Company on an automobile application dated February 25, 2023. Specifically, Ms. Harley provided a New Jersey garaging address, when, in fact, she primarily garaged her vehicle in New York.
Civil Penalty: $2,500

Yolanda Ibanez Rodriguez, Belleville, NJ
Order #24-50048-35, March 6, 2026
Respondent, Yolanda Ibanez Rodriguez, did knowingly provide false and misleading information to Progressive Insurance Company on an automobile application dated July 1, 2023. Specifically, Ms. Rodriguez failed to disclose a licensed household member on her automobile insurance policy.
Civil Penalty: $1,500

Chaim Gelb, Lakewood, NJ
Order #24-52607-04, March 6, 2026
Respondent, Chaim Gelb, did knowingly provide materially false information to St. Paul Protective Insurance Company (Travelers) on May 20, 2024, and May 31, 2024, relative to an automobile property damage claim reported on May 17, 2024, by misrepresenting when and how the loss occurred.
Civil Penalty: $2,500

Koba Megrelishvili, Summit, NJ
Order #24-56117-04, March 6, 2026
Respondent, Koba Megrelishvili, knowingly provided false and misleading information to the Progressive Group of Insurance Companies in an online claim on October 9, 2024, and a subsequent call on October 10, 2024, and in a recorded interview on November 1, 2024, by stating their vehicle sustained damage on October 7, 2024, when, in fact, the loss occurred on July 18, 2024, prior to the inception of the policy.
Civil Penalty: $1,500

Rohan Malhotra, Mount Vernon, NY
Order #25-51241-09, March 6, 2026
Respondent, Rohan Malhotra, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on an auto insurance policy application dated May 15, 2023. Specifically, Mr. Malhotra failed to disclose that the policy vehicles were going to be used for ride share purposes.
Civil Penalty: $2,500

Maria D. Ramos, Paterson, NJ
Order #25-53717-52, March 6, 2026
Respondent, Maria D. Ramos, knowingly provided false and misleading information to State National Specialty Insurance Company on a NJ SAIP application dated February 24, 2025. Specifically, Ms. Ramos indicated that she was not covered under any other insurance policy as a named insured, when, in fact, she was insured under another liability policy as of January 21, 2025.
Civil Penalty: $1,000

Jennifer M. Lynn, Pemberton, NJ
Order #25-56428-35, March 6, 2026
Respondent, Jennifer M. Lynn, did knowingly make materially false statements to Progressive Garden State Insurance Company on September 18, 2025, and on other subsequent dates, in support of her automobile property damage claim by indicating the date of loss to be September 17, 2025, after she purchased comprehensive and collision coverage, when, in fact, the actual date of loss was prior to her obtaining the comprehensive and collision coverage.
Civil Penalty: $2,500

Naeem M. Hassan, Jackson, NJ
Order #25-57342-35, March 6, 2026
Respondent, Naeem M. Hassan, did knowingly provide materially false information on an application for automobile insurance with Progressive Garden State Insurance Company on July 14, 2025, by failing to disclose an additional household member and operator of the insured vehicle(s).
Civil Penalty: $1,500

Josephine Leone, Absecon, NJ
Order #25-57421-35, March 6, 2026
Respondent, Josephine Leone, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company when submitting an application for automobile insurance on August 6, 2025. Specifically, the Respondent failed to disclose all household residents.
Civil Penalty: $1,500

Olger Lalvay, Newark, NJ
Order #23-52907-35, March 11, 2026
Respondent, Olger Lalvay, knowingly provided false and misleading statements to Progressive Insurance Company on an application for automobile insurance dated March 1, 2023. Specifically, Mr. Lalvay failed to disclose a regular licensed driver of a policy vehicle.
Civil Penalty: $1,500

James Guilfoyle, North Middletown, NJ
Order #25-53449-35, March 11, 2026
Respondent, James Guilfoyle, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company (NJM) in a phone converstaion when adding a 2013 Jeep Wrangler to his policy on July 23, 2024. Specifically, Respondent failed to disclose an additional household resident and/or driver with access to policy vehicle(s) when asked by NJM.
Civil Penalty: $1,500

Robyn Ferragina, West Long Branch, NJ
Order #25-51976-04, March 20, 2026
Respondent, Robyn Ferragina, knowingly provided false and misleading information to New Jersey Manufacturers Insurance during a Statement of No Loss on January 25, 2025 at 11:41 a.m., stating that no policy vehicle(s) were damaged during the policy lapse period, when, in fact, the insured's 2019 BMW X3 was involved in an automobile accident earlier that day.
Civil Penalty: $2,000

Monique R. Fitzgerald, Edison, NJ
Order #24-50594-51, March 20, 2026
Respondent, Monique R. Fitzgerald, did knowingly provided materially false information to the Progressive Group of Insurance Companies on a Statement of No Loss dated January 25, 2024. Specifically, Respondent attested that her policy vehicle had not been involved in any motor vehicle accidents or sustained any damage during the policy lapse period of December 29, 2023, and January 25, 2024, when, in fact, she had been in an accident earlier that day prior to the policy reinstatement.
Civil Penalty: $2,500

Brenna Jennings, Burlington, NJ
Order #24-51627-35, March 20, 2026
Respondent, Brenna Jennings, did knowingly provide materially false information to Progressive Garden State Insurance Company on April 21, 2023, on an application for insurance and in a recorded statement on March 21, 2024, when she failed to disclose another individual as a household resident/driver at the policy address.
Civil Penalty: $1,500

Glenn Pacheco, Dumont, NJ
Order #24-52461-04, March 20, 2026
Respondent, Glenn Pacheco, did knowingly provide materially false and misleading information to CURE Insurance Company, in support of an automobile property damage claim. Specifically, Mr. Pacheco stated that his vehicle was damaged on April 7, 2024, when, in fact, the vehicle damage occurred on March 25, 2024, which was prior to the inception of his automobile insurance policy on April 1, 2024.
Civil Penalty: $3,000

Lamont T. Harris, Plainfield, NJ
Order #25-52837-35, March 20, 2026
Respondent, Lamont T. Harris, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on February 4, 2025, on an application for auto insurance by failing to disclose that another individual was a regular operator of a policy vehicle and/or a household member in violation of the provisions of N.J.S.A. 17:33a, the New Jersey Insurance Fraud Prevention Act.
Civil Penalty: $1,000

Robert Santoriello, Jr., Nutley, NJ
Order #25-53503-04, March 20, 2026
Respondent, Robert Santoriello, Jr., did knowingly provide false and misleading information to NJM Insurance Group on April 1, 2025, in a First Notice of Loss and on April 11, 2025, in a recorded statement by stating that a loss occurred on April 1, 2025, when, in fact, the loss occurred prior to glass coverage being added on March 25, 2025.
Civil Penalty: $1,000

Vinhtho Nguyen, Pennsauken, NJ
Order #25-54403-35, March 20, 2026
Respondent, Vinhto Nguyen, did knowingly make material misrepresentations to the Progressive Garden State Insurance Company beginning on December 26, 2024, on an application for automobile insurance by failing to disclose another individual as a licensed household resident.
Civil Penalty: $1,500

Maria E. Ventura-Membreno, Lakewood, NJ
Order #25-56053-35, March 20, 2026
Respondent, Maria E. Ventura-Membreno, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on December 15, 2024, by failing to disclose an additional household resident and operator of the insured vehicle.
Civil Penalty: $1,500

Amaya R. Jackson, Clementon, NJ
Order #25-56155-35, March 20, 2026
Respondent, Amaya R. Jackson, did knowingly provide materially false information to Progressive Garden State Insurance Company on January 24, 2025, on an initial automobile application, and during subsequent statements, when she failed to disclose an additional driver of the policy vehicle.
Civil Penalty: $1,500

Diana V. Miguel-Cid, Atlantic City, NJ
Order #25-56460-35, March 20, 2026
Respondent, Diana V. Miguel-Cid, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on November 28, 2024, by failing to disclose an additional household resident and/or operator of the insured vehicle(s).
Civil Penalty: $1,500

Christina Seals, Clayton, NJ
Order #25-56620-35, March 20, 2026
Respondent, Christina Seals, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on September 9, 2025, by failing to disclose an additional household member and/or operator of the insured vehicle.
Civil Penalty: $1,500

Mariah S. Alicea, Millville, NJ
Order #25-56820-35, March 20, 2026
Respondent, Mariah S. Alicea, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on November 19, 2024, when she failed to disclose another individual as a household member and/or driver on her policy.
Civil Penalty: $1,500

Julieth K. Machuca-Luna, Cherry Hill, NJ
Order #25-57942-05, March 20, 2026
Respondent, Julieth K. Machuca-Luna, did knowingly present materially false information to Allstate Insurance Company in support of an automobile bodily injury claim by providing two altered medical documents dated July 1, 2025, and July 7, 2025, in support of her claim.
Civil Penalty: $2,000

Emily S. Morris, Delanco, NJ
Order #25-58087-47, March 20, 2026
Respondent, Emily S. Morris, did knowingly provide a materially false statement in support of a pet insurance claim to the American Pet Insurance Company on September 25, 2025, by providing an altered invoice.
Civil Penalty: $1,000

Valerie Lascano, Perth Amboy, NJ
Order #24-52112-35, March 25, 2026
Respondent, Valerie Lascano, did knowingly misrepresent a material fact on an auto insurance application dated March 9, 2024, by failing to disclose a licensed household member and owner of the policy vehicle.
Civil Penalty: $1,500

Manuel Helena, Allentown, PA
Order #25-52478-51, March 25, 2026
Respondent, Manuel Helena, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on March 13, 2025, at 12:38 p.m. on a Statement of No Loss by stating that his policy vehicle had not been involved in any accidents since the policy canceled on February 16, 2025, when, in fact, it had been involved in an accident on March 13, 2025, at 11:09 a.m., prior to reinstatement of the policy.
Civil Penalty: $2,500

Robin L. Brunson, Moorestown, NJ
Order #24-53951-35, March 30, 2026
Respondent, Robin L. Brunson, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company on an initial application for automobile insurance on July 29, 2023, by failing to disclose additional individuals as household members and/or drivers of the policy vehicles.
Civil Penalty: $1,500

Ruth R. Jeter, Williamstown, NJ
Order #24-54769-04, March 30, 2026
Respondent, Ruth R. Jeter, did knowingly provide materially false information to Progressive Garden State Insurance Company on August 10, 2024, in support of an automobile glass damage claim, by stating that the loss occurred after she added a $50 glass deductible to her policy, when, in fact, the loss occurred prior to the coverage change.
Civil Penalty: $1,500

Alfredo Diaz, Manchester Township, NJ
Order #25-53924-35, March 30, 2026
Respondent, Alfredo Diaz, did knowingly make a material misrepresentation to Progressive Garden State Insurance Company beginning on May 9, 2025, on an application for automobile insurance, by failing to disclose an additional household member and operator of an insured vehicle.
Civil Penalty: $1,500

Nicole Gobeil, Trenton, NJ
Order #25-57552-35, March 30, 2026
Respondent, Nicole Gobeil, did knowingly provide materially false information to Progressive Garden State Insurance Company on an initial application for automobile insurance on July 1, 2025, when she failed to disclose another individual as a household member and/or driver on her policy.
Civil Penalty: $1,500

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Maria Corona-Tepatl, Jackson Township, 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 p.m.
Civil Penalty: $2,500

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

Brett Robinson, Little Egg Harbor Township, 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

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

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

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

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

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

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