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| Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > 2025 |
| 2025 Executed Consent Orders |
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| April |
Erica Duverne, Perth Amboy, NJ
Order #23-54211-10, April 1, 2025
Respondent, Erica Duverne, did knowingly provide false and misleading information to Homesite Insurance Company in an online claim on September 16, 2023, by stating that a loss occurred to her residence on September 16, 2023, when, in fact, the loss occurred on or before September 14, 2023, prior to the policy inception.
Civil Penalty: $1,500
Craig I. Horsley, Cinnaminson, NJ
Order #25-50110-34, April 2, 2025
Respondent, Craig I. Horsley, did knowingly provide materially false information to American International Group, Inc. (AIG), by providing a false document during the submission of a travel insurance claim on November 8, 2024.
Civil Penalty: $1,000
Jason Gibson, Bedminster, NJ
Order #23-51625-35, April 8, 2025
Respondent, Jason Gibson, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on October 31, 2022, on an auto insurance application by failing to list all drivers and household residents.
Civil Penalty: $1,500
Lisa Digirolamo, Piscataway, NJ
Order #23-52451-35, April 8, 2025
Respondent, Lisa Digirolamo, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on January 31, 2023, on an auto insurance application, by failing to list all drivers and household residents.
Civil Penalty: $1,500
Kevin R. Millan, Bronx, NY
Order #24-53980-31, April 8, 2025
Respondent, Kevin R. Millan, did knowingly provide materially false information on an application for automobile insurance to Drive New Jersey Insurance Company on October 17, 2023, by stating that he resided and garaged the policy vehicle in New Jersey, when, in fact, he resided and garaged the vehicle in New York.
Civil Penalty: $2,500
Brandon R. Welsh, Mount Ephraim, NJ
Order #24-54767-04, April 8, 2025
Respondent, Brandon R. Welsh, did knowingly provide materially false information to Progressive Garden State Insurance Company, during the submission of an automobile property damage claim on September 2, 2024, and during a recorded telephone call on September 3, 2024, by purporting the policy was purchased prior to the loss, when, in fact, the policy was purchased after the loss.
Civil Penalty: $2,500
Bryn Afflitto, Haledon, NJ
Order #23-52287-35, April 10, 2025
Respondent, Bryn Afflitto, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an auto insurance application dated February 12, 2023. Specifically, Ms. Afflitto failed to disclose an additional regular driver of the policy vehicle.
Civil Penalty: $1,500
Lizet Gomez Ospina, Wharton, NJ
Order #23-54401-51, April 10, 2025
Respondent, Lizet Gomez Ospina, did knowingly provide materially false information to Progressive Insurance Company on a Statement of No Loss dated August 01, 2023. Specifically, Ms. Ospina, in an effort to reinstate her auto policy, stated that her policy vehicle was not involved in any losses during the policy lapse period starting on July 16, 2023, when, in fact, it was.
Civil Penalty: $2,500
David Rigueur, Toms River, NJ
Order #23-54953-04, April 10, 2025
Respondent, David Rigueur, did knowingly provide materially false information in the presentation of an auto property damage claim presented to Progressive Garden State Insurance Company on October 27, 2023. Specifically, Mr. Rigueur provided a false date of loss to gain additional coverage after lowering his collision deductible.
Civil Penalty: $2,000
Peter Rhee, Palisades Park, NJ
Order #23-55041-35, April 10, 2025
Respondent, Peter Rhee, did knowingly provide materially false information to Progressive Insurance Company on an auto insurance policy application dated March 30, 2023, by failing to disclose all regular drivers and household residents.
Civil Penalty: $1,500
Edward R. Schuhlein, Morris Plains, NJ
Order #23-55233-39, April 10, 2025
Respondent, Edward R. Schuhlein, did knowingly provide materially false information on an application for life insurance to Ameritas Life Insurance Company on February 11, 2022, by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500
Katherin Urena, Garfield, NJ
Order #24-51845-04, April 10, 2025
Respondent, Katherin Urena, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on March 18, 2024. Specifically, Ms. Urena stated that her windshield was damaged on March 15, 2024, after adding comprehensive glass coverage to her policy on March 8, 2024, when, in fact, the damage occurred prior to the policy change.
Civil Penalty: $1,500
Leisly R. Fernandez, Bloomfield, NJ
Order #24-54749-04, April 10, 2025
Respondent, Leisly R. Fernandez, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies in support of an automobile glass damage claim. Specifically, Respondent reported an initial claim on September 10, 2024, that damage to her Honda Civic occurred on September 10, 2024, when, in fact, the damage to her vehicle occurred on June 27, 2024, prior to her reducing her automobile policy's comprehensive coverage and adding a $50 glass deductible to her policy on September 5, 2024, effective September 10, 2024.
Civil Penalty: $1,500
Lenin Ipanaque, Astoria, NY
Order #23-51497-31, April 15, 2025
Respondent, Lenin Ipanaque, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an application for auto insurance dated February 16, 2023, by stating the insured vehicle was garaged in New Jersey, when, in fact, he resided in New York and the vehicle was primarily garaged there.
Civil Penalty: $2,500
Gina M. Berezin, Vineland, NJ
Order #24-54371-33, April 15, 2025
Respondent, Gina M. Berezin, did knowingly provide materially false information to Federated Mutual Insurance Company during the submission of a workers compensation claim on August 15, 2025, and during recorded telephone calls on August 29, 2024 and September 4, 2024, by purporting she was injured at work, when, in fact, the injury occurred at home.
Civil Penalty: $2,500
Isait Felipe Hernandez Hernandez, Toms River, NJ
Order #24-54598-35, April 15, 2025
Respondent, Isait Felipe Hernandez Hernandez, did knowingly provide materially false information to Drive New Jersey Insurance Company on an initial application for automobile insurance on July 3, 2024, by failing to disclose another individual as a household resident and/or driver of the policy vehicles.
Civil Penalty: $1,500
Shelly Rochester, Teaneck, NJ
Order #19-51520-35, April 16, 2025
Respondent, Shelly Rochester, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on an automobile policy application dated February 23, 2019. Specifically, Ms. Rochester obtained an insurance policy in her father's name and failed to disclose that he became deceased in 2018.
Civil Penalty: $1,500
Gilmar Tejada, East Hanover, NJ
Order #20-53605-13, April 16, 2025
Respondent, Gilmar Tejada, knowingly provided false and misleading information to State Farm Fire and Casualty Insurance Company in pursuit of a homeowner's property claim dated January 8, 2020. Specifically, Mr. Tejada falsely stated that he did not set fire to his home, did not know who set the fire, and did not know the cause of the fire, when, in fact, he intentionaly set the fire to obtain reimbursement to which he was not entitled.
Civil Penalty: $5,000
Gabriella Valdes, Brooklyn, NY
Order #23-50832-31, April 16, 2025
Respondent, Gabriella Valdes, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated August 1, 2022. Specifically, Ms. Valdes stated that she resided and garaged her policy vehicle in Cliffside Park, NJ, when in fact, she primarily resided and garaged her vehicle in Brooklyn, NY.
Civil Penalty: $2,500
Rosa Yesca-Roque, Asbury Park, NJ
Order #23-53812-35, April 16, 2025
Respondent, Rosa Yesca-Roque, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on February 21, 2023, on an auto insurance application by failing to list all drivers and household residents.
Civil Penalty: $1,500
Jorge Dreka Ojeda, Newark, NJ
Order #24-50120-04, April 16, 2025
Respondent, Jorge Dreka Ojeda, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in a recorded call on December 22, 2023, by stating that his policy vehicle was involved in a loss on November 15, 2023, after the vehicle was added to his auto insurance policy when, in fact, the loss occurred on November 15, 2023, prior to the vehicle being added to his policy.
Civil Penalty: $2,500
Frantisek Nagy, Trenton, NJ
Order #24-50595-35, April 16, 2025
Respondent, Frantisek Nagy, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on February 8, 2023, on an automobile insurance application by failing to disclose another individual as a driver and household resident of the policy address.
Civil Penalty: $1,500
Jean Wark, Tinton Falls, NJ
Order #24-51240-04, April 16, 2025
Respondent, Jean Wark, did knowingly provide false and misleading information in an online claim to Safelite on February 27, 2024, by stating that the windshield of her policy vehicle sustained damage on February 26, 2024, and in an interview with the Progressive Group of Insurance Companies on February 28, 2024, by stating that the windshield of her policy vehicle sustained damage on February 25, 2024, when, in fact, the damage was present on the policy vehicle on February 22, 2024, prior to a lower comprehensive deductible effective date of February 25, 2024.
Civil Penalty: $1,500
Nikolai J. Berezin and Berezin Enterprises, LLC, Vineland, NJ
Order #24-54371-33, April 16, 2025
Respondent, Nikolai J. Berezin d/b/a Berezin Enterprises, LLC, did knowingly provide materially false information to Federated Mutual Insurance Company during the submission of a Workers Compensation Employee Questionnaire on August 22, 2024, and during a recorded telephone call on September 4, 2024, by purporting an employee was injured at work, when, in fact, the employee was injured at home.
Civil Penalty: $2,500
Adrian Riesgo and 336-338 South Street Realty, LLC., Elizabeth, NJ
Order #22-50288-16, April 29, 2025
Respondents, Adrian Riesgo, DBA, 336-338 South Street Realty, LLC., did knowingly provide materially false and misleading information to United Fire & Casualty Company on December 4, 2021, in support of a commercial property damage claim. Specifically, Respondents submitted an invoice dated September 21, 2021, stating that roof removal and replacement was completed on the commercial building as part of the claim process, when, in fact, no work was ever completed.
Civil Penalty: $2,500
Donnell Fowler and Fowler Consulting Group, Upper Saddle River, NJ
Order #22-54032-38, April 29, 2025
Respondents, Donnell Fowler, and the Fowler Consulting Firm, did knowingly provide materially false information to Drive New Jersey Insurance Company on an application for automobile insurance dated March 29, 2019, by failing to disclose that their exotic vehicles would be used for a rental business.
Civil Penalty: $2,500
Karin E. Venezia, Wrightstown, NJ
Order #23-53240-35, April 29, 2025
Respondent, Karin E. Venezia, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on an auto application dated October 23, 2019, specifically failing to disclose
her daughter as an additional driver/resident of her household on her auto application.
Civil Penalty: $1,500
Sebastyan Sentypal, Spotswood, NJ
Order #23-53333-04, April 29, 2025
Respondent, Sebastyan Sentypal, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on April 18, 2023, in a recorded call, while applying for an insurance policy, by stating he had not been involved in any motor vehicle accidents in the past five years when, in fact, he had been involved in an accident earlier that day, prior to his policy inception. Furthermore, Sebastyan Sentypal provided false information on July 10, 2023, July 12, 2023, and July 20, 2023, in recorded phone calls, by stating that a loss occurred to his policy vehicle on July 9, 2023, when, in fact, the damage was pre-existing prior to his policy inception on April 18, 2023.
Civil Penalty: $2,500
Cory Cooperman, Pompton Lakes, NJ
Order #24-51085-41, April 29, 2025
Respondent, Cory Cooperman, knowingly provided false and misleading information to Northwestern Mutual Life Insurance Company in support of a Disability Insurance Application dated December 5, 2023. Specifically, Mr. Cooperman failed to disclose his complete and accurate medical history on a Medical History Questionnaire.
Civil Penalty: $2,500
Andrew Janowski, Livingston, NJ
Order #24-52197-35, April 29, 2025
Respondent, Andrew Janowski, knowingly provided false and misleading statements to the Progressive Group of Insurance Companies on an auto policy application dated August 4, 2023. Specifically, Andrew Janowski failed to list a licensed household member on his automobile policy.
Civil Penalty: $1,500
Scott J. Barone, Paramus, NJ
Order #24-53977-35, April 29, 2025
Respondent, Scott J. Barone, did knowingly provide false statements and misleading information to New Jersey Manufacturers Insurance Company on numerous auto policy renewals between October 2, 2018, and May 9, 2024. Specifically, Scott J. Barone failed to disclose all licensed household residents and drivers.
Civil Penalty: $1,500
Eduard Galper, East Brunswick, NJ
Order #24-54980-04, April 29, 2025
Respondent, Eduard Galper, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on September 25, 2024, in an online claim to Safelite, and in a recorded statement, by stating that a loss occurred to his policy vehicle on September 25, 2024, when, in fact, the loss occurred prior to the lowering of the comprehensive deductible.
Civil Penalty: $1,500 |
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| March |
Mary Quinton, West Deptford, NJ
Order #24-55089-04, March 5, 2025
Respondent, Mary Quinton, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company when submitting an automobile glass damage claim on September 18, 2024, and during a subsequent call. Specifically, the Respondent failed to disclose preexisting damage to the windshield of her insured vehicle and misrepresented the date of loss.
Civil Penalty: $1,500
Daquan Knight, Lawrence Twp., NJ
Order #24-54766-04, March 5, 2025
Respondent, Daquan Knight, did knowingly provide materially false and misleading information to Progressive Garden State Insurance Company when submitting an automobile insurance claim on August 9, 2024, and during a subsequent call. Specifically, the Respondent provided a date of loss after the inception of the policy, when, in fact, the damage occurred prior to the policy inception.
Civil Penalty: $2,500
Michael Plumeri, Manalapan, NJ
Order #23-54188-04, March 5, 2025
Respondent, Michael Plumeri, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on June 13, 2023, when pursuing an auto property damage claim for his insured 2021 Audi AS. Specifically, Respondent, stated to Progressive that the 2021 Audi AS had extensive damage and had to be towed from the scene. According to the New York Police Department body cam footage, the only damage to the insured's vehicle was under the driver's side taillight.
Civil Penalty: $2,500
Qadr Abdul-Salaam, Atlanta, GA
Order #24-51696-04, March 11, 2025
Respondent, Qadr Abdul-Salaam, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on March 9, 2024, by reporting a claim that damage was sustained to his vehicle on March 9, 2024, when, in fact, the damage occurred prior to the policy inception.
Civil Penalty: $1,000
Richard Murillo-Sanchez, Belleville, NJ
Order #21-50520-04, March 12, 2025
Respondent, Richard Murillo-Sanchez, knowingly provided false and misleading information to Progressive Insurance Company on January 6, 2021, in support of an automobile property damage claim. Specifically, Mr. Murillo-Sanchez reported that his vehicle had been involved in an accident after the policy inception on December 6, 2020, at 9:57 p.m., when in fact, the accident occurred on December 6, 2020, at 8:21 p.m., which was prior to policy inception.
Civil Penalty: $3,500
Alexander L. Campbell, Harrison, NJ
Order #21-53400-24, March 12, 2025
Respondent, Alexander L. Campbell, knowingly made material misrepresentations which were submitted to United Healthcare Insurance Company on eight separate claim submissions dated September 18, 2020, October 5, 2020, January 2, 2021, January 11, 2021, February 3, 2021, February 17, 2021, March 27, 2021, and July 12, 2021 which constitutes nine out-of-network services, when, in fact, Mr. Campbell did not receive these treatments.
Civil Penalty: $45,000
Adam Calvo, Denville, NJ
Order #23-54996-51, March 12, 2025
Respondent, Adam Calvo, did knowingly provide materially false information to the Progressive Group of Insurance Companies on a Statement of No Loss dated October 25, 2023. Specifically, Mr. Calvo failed to disclose that he was involved in an auto accident on October 22, 2023, during the policy lapse period.
Civil Penalty: $3,000
Fatima C. Vilarinho, Hillside, NJ
Order #23-55416-51, March 12, 2025
Respondent, Fatima C. Vilarinho, knowingly provided false and misleading information on a Statement of No Loss provided to Progressive Insurance Company at 8:05 a.m. on December 4, 2023. Specifically, Ms. Vilarinho indicated that her insured vehicle was not involved in any motor vehicle accidents during the policy lapse period beginning on November 10, 2023, when, in fact, the vehicle was involved in a motor vehicle accident earlier that same day in Hillside, NJ. Respondent, Fatima C. Vilarinho, knowingly provided false and misleading statements to Progressive Insurance Company, on December 4, 2023, at 9:22 a.m., when pursuing an auto property damage claim. Specifically, Ms. Vilarinho stated that the insured vehicle was involved in an automobile accident on December 4, 2023, at 8:25 a.m., when, in fact, the accident occurred at or about 7:45 a.m., before she reinstated coverage.
Civil Penalty: $4,000
Anna W. Lubas, Livingston, NJ
Order #24-51266-04, March 12, 2025
Respondent, Anna W. Lubas, did knowingly provide materially false information to the Progressive Group of Insurance Companies on February 14, 2024, in support of an auto property damage claim. Specifically, Ms. Lubas stated that her windshield was damaged sometime after adding comprehensive glass coverage to her policy effective February 7, 2024, when, in fact, the damage occurred prior to the policy change.
Civil Penalty: $1,500
Jerell Brown, Bronx, NY
Order #24-50649-31, March 19, 2025
Respondent, Jerell Brown, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies in an application for auto insurance on December 19, 2022, and in a recorded statement on December 4, 2023, by stating that he primarily garages his policy vehicles in New Jersey when, in fact, the vehicles are primarily garaged in New York.
Civil Penalty: $2,500
Douglas M. Garcia Hernandez, Trenton, NJ
Order #24-54363-05, March 19, 2025
Respondent, Douglas M. Garcia Hernandez, did knowingly conspire with another individual to secure automobile insurance with Progressive Garden State Insurance Company on March 25, 2023, by failing to disclose he was the primary driver as well as the titled and registered owner of the insured vehicle.
Civil Penalty: $1,500
Alice Fadiora, Princeton, NJ
Order #24-53898-04, March 19, 2025
Respondent, Alice Fadiora, did knowingly provide materially false information to Progressive Garden State Insurance Company on June 29, 2024 during an initial claim report and on a recorded statement on July 1, 2024, by reporting her insured vehicle suffered windshield damage on June 29, 2024, when, in fact, the vehicle suffered the damage on June 23, 2024, prior to her reducing the comprehensive deductible from $2,000 to $100.
Civil Penalty: $1,500
Sajdah Muhammad, Barnegat, NJ
Order #24-54759-35, March 19, 2025
Respondent, Sajdah Muhammad, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on August 30, 2024, by failing to disclose an additional household member.
Civil Penalty: $1,500
Nadege Joseph, Hamilton, NJ
Order #24-56477-35, March 19, 2025
Respondent, Nadege Joseph, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on July 9, 2024, and during a subsequent call, when applying for an automobile insurance policy. Specifically, the Respondent misrepresented that a household member was covered under their own automobile insurance policy when, in fact, they were not.
Civil Penalty: $1,500
Roanee Vazquez, Mount Holly, NJ
Order #23-52120-35, March 24, 2025
Respondent, Roanee Vazquez, did knowingly provide materially false Information to Drive New Jersey Insurance Company on an initial application for automobile insurance from October 5, 2022, by failing to disclose other individuals as a household member and/or driver of the policy vehicle(s). Additionally, the insured misrepresented the garaging location for at least two of the policy vehicles by stating that they would be garaged in Mount Holly, NJ, when, in fact, they are garaged In Merrick, NY.
Civil Penalty: $2,500
Antoinette Coy, Asbury Park, NJ
Order #23-52212-35, March 24, 2025
Respondent, Antoinette Coy, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on her auto insurance application on July 8, 2022, by failing to list all household residents and regular operators of the policy vehicle.
Civil Penalty: $1,500
Mohammad O. Abdelfatah, Barnegat, NJ
Order #23-54852-04, March 24, 2025
Respondent, Mohammad O. Abdelfatah, did knowingly provide materially false statements to Progressive Garden State Insurance Company on October 26, 2023 relative to an automobile claim during a recorded statement and on a First Notice of Loss, by indicating the loss occurred after the Toyota Prius was added to the automobile policy, when, in fact, the loss occurred prior to the Toyota Prius being added to the policy. Respondent, Mohammad O. Abdelfatah, did knowingly present false information to Plymouth Rock Assurance Corporation on an automobile application on January 26, 2024, by answering "No" to the statement "There is an operator in the household who has filed false or misleading information in an application for insurance, renewal for insurance or claim for benefits in the past three years," knowing that he had done so on October 26, 2023.
Civil Penalty: $3,500
Laura Vasquez, Elizabeth, NJ
Order #24-50025-35, March 24, 2025
Respondent, Laura Vasquez, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on her auto insurance policy on May 17, 2023, by failing to list all household residents and regular operators of the policy vehicle.
Civil Penalty: $1,500
Rima Patel, Jersey City, NJ
Order #23-51081-35, March 27, 2025
Respondent, Rima Patel, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on an auto policy action dated March 26, 2021. Specifically, Ms. Patel added a 2012 Mercedes to the policy and failed to disclose that she was not the primary driver of the policy vehicle.
Civil Penalty: $1,500
Luis Carlos Donado Garzon, Brooklyn, NY
Order #23-51283-31, March 27, 2025
Respondent, Luis Carlos Donado Garzon, knowingly provided false and misleading information on an automotive insurance application presented to Progressive Insurance Company dated January 12, 2023. Specifically, Mr. Donado Garzon failed to disclose that his policy vehicle was primarily garaged in Brooklyn, NY.
Civil Penalty: $2,500.00
William Latham, Hackensack, NJ
Order #23-53664-04, March 27, 2025
Respondent, William Latham, knowingly provided false and misleading information to United Services Automobile Association (USAA) Insurance Company in support of an auto property damage claim dated August 20, 2023. Specifically, Mr. Latham reported that his car was struck while parked and unoccupied in Hackensack, NJ, when in fact, he was driving his vehicle in New York and rear ended a third party at the time of loss.
Civil Penalty: $3,000
Juan Tavares, Paterson, NJ
Order #23-54455-35, March 27, 2025
Respondent, Juan Tavares, knowingly provided false and misleading information on a Drive New Jersey Insurance Company auto application dated June 8, 2023, by failing to list a household member and driver on the policy.
Civil Penalty: $1,500
Angel J. Salcedo, Prospect Park, NJ
Order #24-50310-04, March 27, 2025
Respondent, Angel J. Salcedo, did knowingly provide materially false information to the Progressive Group of Insurance Companies on an automobile property damage claim. Specifically, Mr. Salcedo stated that his windshield sustained damages on December 12, 2023, when, in fact, the damages occurred prior to him adding comprehensive glass coverage and changing his policy deductible on December 11, 2023.
Civil Penalty: $1,500
Victor H. Delgado Perez, Paterson, NJ
Order #24-50413-35, March 27, 2025
Respondent, Victor H. Delgado Perez, did knowingly provide materially false information to Progressive Insurance Company at the time of incepting insurance coverage on November 28, 2022, by not listing a household driver on the insurance policy.
Civil Penalty: $1,500
Maria Rodriguez, Linden, NJ
Order #24-50823-35, March 27, 2025
Respondent, Maria Rodriguez, knowingly provided false and misleading information on an automobile application submitted to CURE Insurance Company dated August 18, 2023. Specifically, Ms. Rodriguez failed to disclose a licensed household resident driver.
Civil Penalty: $1,500
Adam Colon, Bloomfield, NJ
Order #24-51098-04, March 27, 2025
Respondent, Adam Colon, did knowingly provide materially false information to the Progressive Group of Insurance Companies on February 3, 2024, and February 4, 2024, in support of an automobile property damage claim. Specifically, Mr. Colon stated that the glass damage to his vehicle occurred after he added coverage, when, in fact, the loss occurred sometime prior to him adding comprehensive window glass coverages to his policy on January 28, 2024.
Civil Penalty: $1,500
Alexa Dippel
Order #24-52860-04, March 27, 2025
Respondent, Alexa Dippel, knowingly provided false and misleading statements when pursuing an auto property damage claim submitted to GEICO Insurance Company dated May 30, 2024. Specifically, Ms. Dippel stated that her insured vehicle was damaged on May 20, 2024, when the car struck a pothole, when, in fact, the damage to her vehicle was the result of a mechanical issue that was discovered on April 18, 2024, before the GEICO policy was in effect.
Civil Penalty: $4,000
Richard Brocchi, Mount Laurel, NJ
Order #24-56057-35, March 27, 2025
Respondent, Richard Brocchi, did knowingly provide materially false and misleading information to New Jersey Manufacturers Insurance Company on July 22, 2024, and during subsequent calls, when adding vehicles to his personal auto insurance policy. Specifically, the Respondent failed to disclose that the vehicles were commercially registered and used in the course of his business.
Civil Penalty: $1,500 |
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| February |
Adelina Encarnacion, Carteret, NJ
Order #23-52888-35, February 4, 2025
Respondent, Adelina Encarnacion, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company in recorded phone calls on December 5, 2017, February 28, 2018, July 29, 2019, September 13, 2021 and January 16, 2023, by failing to list all resident drivers on her auto insurance policy.
Civil Penalty: $1,500
Israel Louissaint, Beverly, NJ
Order #24-52948-35, February 4, 2025
Respondent, Israel Louissaint, did knowingly provide false and misleading information to Progressive Drive New Jersey Insurance Company on February 21, 2024, when submitting an application for automobile insurance. Specifically, the Respondent failed to disclose another individual as a household resident and regular operator of the policy vehicle.
Civil Penalty: $1,500
Delia Castro, Sicklerville, NJ
Order #24-53738-35, February 4, 2025
Respondent, Delia Castro, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on July 7, 2023 on an initial application for automobile insurance and in subsequent calls on March 15, 2024 and April 19, 2024, by failing to disclose another individual as a household resident/driver of the policy vehicle.
Civil Penalty: $1,500
Amanpreet Singh, dba, BHD Transport, Inc., Dayton, NJ
Order #23-53021-16, February 5, 2025
Respondents, Amanpreet Singh, dba, BHD Transport, Inc., knowingly provided false and misleading information to Progressive Insurance Company in pursuit of a commercial property damage claim for his insured 2022 Great Dane trailer dated April 10, 2023. Specifically, Respondents added a trailer to his policy on March 9, 2023, and filed a claim occurring on or around April 9, 2023, when, in fact, the loss took place prior to the insured's trailer being added to the policy.
Civil Penalty: $1,500
Charles D. Nguyen, Egg Harbor Twp., NJ
Order #23-50718-39, February 11, 2025
Respondent, Charles D. Nguyen, did knowingly provide materially false information during an Online E-Interview Life Insurance Application Submission to Prudential Pruco Life Insurance Company on September 26, 2022, by failing to disclose his true motor vehicle violations history.
Civil Penalty: $1,500
Laraice Foster, Rahway, NJ
Order #23-51466-35, February 11, 2025
Respondent, Laraice Foster, did knowingly provide materially false information to Progressive Insurance Company on an auto policy application dated February 2, 2023, by failing to disclose a regular driver of the policy vehicle.
Civil Penalty: $1,500.00
Madison M. Jingoli, Hoboken, NJ
Order #23-52374-51, February 11, 2025
Respondent, Madison M. Jingoli, did knowingly provide materially false information to the Progressive Group of Insurance Companies on a statement of No Loss dated May 19, 2023. Specifically, Ms. Jingoli indicated that there were no accidents since May 10, 2023, during a lapse period, when, in fact, she was involved in a crash on May 13, 2023.
Civil Penalty: $2,500
Jose Valdez, Paterson, NJ
Order #23-53329-03, February 11, 2025
Respondent, Jose Valdez, knowingly provided false and misleading statements in pursuit of an auto theft claim submitted to the Progressive Insurance Company dated April 24, 2023. Specifically, Mr. Valdez stated that his vehicle was stolen in New York, when in fact, the theft did not occur.
Civil Penalty: $5,000
Alice Tribue, Bayville, NJ
Order #24-53534-04, February 11, 2025
Respondent, Alice Tribue, did knowingly provide materially false information to Progressive Garden State Insurance Company on July 3, 2024 during an initial claim report and on a recorded statement on July 4, 2024, by reporting her insured vehicle suffered windshield damage on July 2, 2024, when, in fact, the vehicle suffered the damage on June 27, 2024, prior to her adding the $50 glass deductible to her policy.
Civil Penalty: $1,500
Delia Castro, Sicklerville, NJ
Order #24-53738-35, February 11, 2025
Respondent, Delia Castro, did knowingly provide materially false information to Progressive Drive New Jersey Insurance Company on July 7, 2023 on an initial application for automobile insurance and in subsequent calls on March 15, 2024 and April 19, 2024, by failing to disclose another individual as a household resident/driver of the policy vehicle.
Civil Penalty: $1,500
Calvin Mceachron, Delran, NJ
Order #24-56512-04, February 11, 2025
Respondent, Calvin Mceachron, did knowingly provide materially false information to Progressive Garden State Insurance Company on December 9, 2024 during an initial claim report and on a recorded statement, by reporting his insured vehicle suffered windshield damage on December 9, 2024, when, in fact, the vehicle suffered the damage on or before November 29, 2024, prior to him adding a $50 glass deductible coverage to the automobile policy.
Civil Penalty: $1,500
Kelly J. Rios, Elizabeth, NJ
Order #23-52326-35, February 11, 2025
Respondent, Kelly J. Rios, did knowingly provide false and misleading information to Progressive Insurance Company on May 31, 2023, specifically by stating the loss happened on May 26, 2023 at 2 p.m., when, in fact, the loss occurred on May 26, 2023, at 6:08 a.m. Respondent, Kelly J. Rios, did knowingly provide false and misleading information to Progressive Insurance Company on August 21, 2023, specifically by stating the loss occurred on Saturday, May 27, 2023, at 11 a.m. when, in fact, the loss occurred on May 26, 2003, at 6:08 a.m.
Civil Penalty: $2,500
Ariana Olivera, Toms River, NJ
Order #23-52077-35, February 18, 2025
Respondent, Ariana Olivera, did knowingly provide materiality false information to Progressive Garden State Insurance Company when she intentionally misrepresented the time of loss on a First Notice of Loss call on May 11, 2023 and during an additional call on the same date.
Civil Penalty: $2,500
Catherine Isaac, Fair Lawn, NJ
Order #23-52240-09, February 18, 2025
Respondent, Catherine Isaac, knowingly provided false and misleading information to the Progressive Group of Insurance Companies on May 11, 2023, when pursuing an auto rental claim. Specifically, Ms. Isaac added the rental coverage on May 10, 2023, and stated that the vehicle damage occurred on May 11, 2023, when, in fact, the damage occurred prior to the effective date of the policy change.
Civil Penalty: $1,500
Miguelina Batista-Taveras, Hazleton, PA
Order #24-52371-52, February 18, 2025
Respondent, Miguelina Batista-Taveras, knowingly provided false and misleading information to State National Specialty Insurance Company on a SAIP automobile insurance application dated December 30, 2023. Specifically, Ms. BatistaTaveras indicated that she was not covered under any other automobile liability insurance policy as a named insured, when, in fact, she was a policyholder of an lntegon National Insurance Company Personal Automobile Insurance Plan.
Civil Penalty: $1,000
Scott Jones, Thorofare, NJ
Order #24-55428-36, February 18, 2025
Respondent, Scott Jones, did knowingly provide materially false information on a disability insurance application to Northwestern Mutual Insurance Company on April 10, 2024, by failing to disclose a prior medical condition.
Civil Penalty: $1,500
Marissa R. Miller, Gibbstown, NJ
Order #21-50207-35, February 25, 2025
Respondent, Marissa R. Miller, did conspire with another individual to knowingly provide materially false information to CURE Auto Insurance Company during a recorded telephone call relative to an automobile claim on January 4, 2021, by purporting the insured vehicle was damaged on January 2, 2021, when, in fact, the loss occurred on or before December 28, 2020, prior to the deductible being lowered.
Civil Penalty: $2,500
Thomas S. Riley, Belleville, NJ
Order #21-54388-35, February 25, 2025
Respondent, Thomas S. Riley, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance application dated October 21, 2021 by indicating that he resided and garaged his vehicle in Chester, NJ, when, in fact, he primarily resided and garaged his vehicle in Belleville, NJ.
Civil Penalty: $1,500
Alfonso Boatright, Princeton, NJ
Order #23-53923-35, February 25, 2025
Respondent, Alfonso Boatright, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on July 8, 2021 during an automobile insurance policy modification, and in subsequent correspondence beginning in June 2023 relative to an automobile property damage claim, by failing to disclose the true garaging location and additional operators of an insured vehicle. Civil Penalty: $2,500
Deon R. Bullard, Columbus, NJ
Order #23-54502-35, February 25, 2025
Respondent, Deon R. Bullard, did knowingly provided false and misleading information to Progressive Insurance Company on December 2, 2022, specifically by failing to disclose his daughter as a regular driver of his 2013 Volkswagen, and the garaging location in Florida on his auto application.
Civil Penalty: $2,500
Glenda Klecha, Keansburg, NJ
Order #23-54551-35, February 25, 2025
Respondent, Glenda Klecha, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Corporation on an application for an auto insurance policy on March 24, 2022, by failing to list all household members who are of licensing age, and all individuals who customarily operate the policy vehicles.
Civil Penalty: $1,500
Samuel Tompoe, Ewing, NJ
Order #24-51386-04, February 25, 2025
Respondent, Samuel Tompoe, knowingly provided false and misleading information to CURE Insurance Company on January 30, 2024 at 3:55 p.m., in support of an automobile property damage claim occurring on January 23, 2024. Specifically, Respondent stated during the First Notice of Loss that there was no prior damage to the insured’s 2017 Buick Lacrosse, when, in fact, there was prior damage to the vehicle that occurred as a result of a loss occurring on December 27, 2023.
Civil Penalty: $2,500
Phyllis Decilla, Fairfield, NJ
Order #24-52664-04, February 25, 2025
Respondent, Phyllis Decilla, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company in a First Notice of Loss call on March 27, 2024, and in a recorded statement on April 19, 2024, by stating her policy vehicle sustained glass damage on March 15, 2024, when, in fact, the damage was preexisting on January 31, 2024, prior to the addition of glass coverage to her auto insurance policy.
Civil Penalty: $1,500
Gerardo Cruz Elorza, Hamilton, NJ
Order #24-54363-05, February 25, 2025
Respondent, Gerardo Cruz Elorza, did knowingly provide materially false information to Progressive Garden State Insurance Company during the submission of an automobile bodily injury claim on July 31, 2024, by purporting on a First Notice of Loss Recorded Call that he was a passenger in the insured vehicle involved in a loss, when, in fact, he was not an occupant. In addition, Respondent did knowingly provide materially false information during a policy amendment to Progressive Garden State Insurance Company on March 25, 2023, by failing to disclose an additional regular operator of the insured vehicle.
Civil Penalty: $3,000
Stephany Sanchez Rivera, Lakewood, NJ
Order #24-55773-35, February 25, 2025
Respondent, Stephany Sanchez Rivera, did knowingly provide materially false information to Progressive Garden State Insurance Company on July 29, 2024 on an initial application for automobile insurance, by failing to disclose another individual as a household resident/driver of the policy vehicle.
Civil Penalty: $1,500
Jennifer M. Bobadilla, Passaic, NJ
Order #23-51325-04, February 26, 2025
Respondent, Jennifer M. Bobadilla, knowingly provided false and misleading information to CURE Insurance Company when pursuing an automobile property damage claim. Specifically, Ms. Bobadilla reported that her vehicle was involved in an accident on November 30, 2022, when, in fact, the vehicle was involved in the loss on November 28, 2022, which was prior to the policy inception on November 29, 2022.
Civil Penalty: $2,500
Anthony B. Costa, Succasunna, NJ
Order #23-53902-41, February 26, 2025
Respondent, Anthony B. Costa, did knowingly provide materially false information to Northwestern Mutual Life Insurance Company on a Medical History Questionnaire dated May 16, 2023, and during a Client History Interview on May 18, 2023. Specifically, Mr. Costa, in an attempt to secure a Disability Insurance Policy, stated that he has not used cocaine in the last ten (10) years, when, in fact, he has.
Civil Penalty: $2,500
Hoon Kim, Montvale, NJ
Order #24-50378-39, February 26, 2025
Respondent, Hoon Kim, knowingly provided false and misleading information to Allianz Life Insurance Company of North America on an Individual Life Insurance Application dated October 26, 2021. Specifically, Mr. Kim failed to disclose his complete and accurate medical history.
Civil Penalty: $2,500
Barbara Ferguson, Kearny, NJ
Order #24-52032-35, February 26, 2025
Respondent, Barbara Ferguson, knowingly provided false and misleading information to Progressive Insurance Company on an auto policy application dated May 6, 2023. Specifically, Ms. Ferguson failed to disclose a regular operator of a policy vehicle.
Civil Penalty: $1,500 |
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Branden Decker, Toms River, NJ
Order #24-52924-04, January 7, 2025
Respondent, Branden Decker, did knowingly provide materially false information to Progressive Garden State Insurance Company on May 21, 2024 during an initial claim report and on a recorded statement on May 22, 2024, by reporting his insured vehicle suffered windshield damage on May 20, 2024, when, in fact, the vehicle suffered the damage on or before May 13, 2024, prior to him adding the vehicle to the policy with a $50 glass deductible.
Civil Penalty: $1,500
Tammi DeMarzio, Mount Royal, NJ
Order #24-53932-35, January 7, 2025
Respondent, Tammi DeMarzio, did knowingly provide materially false information on an application for automobile insurance to Progressive Garden State Insurance Company on July 20, 2024, by failing to disclose an additional household member and/or operator of the insured vehicle(s).
Civil Penalty: $1,500
Ancelmo Albino-Martinez, Pleasantville, NJ
Order #21-53871-51, January 9, 2025
Respondent, Ancelmo Albino-Martinez, did knowingly make a material misrepresentation to Drive New Jersey Insurance Company on September 11, 2021, in support of an automobile property damage claim. Specifically, Respondent provided a false statement of no loss indicating there had been no losses during the lapse period, when, in fact, the Respondent was involved in a motor vehicle crash earlier that day during the lapse in coverage. Additionally, the misrepresentation resulted in a third party claim being filed.
Civil Penalty: $2,500
Genesis J. Morales, Englewood, NJ
Order #23-53617-35, January 14, 2025
Respondent, Genesis J. Morales, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an automobile insurance policy application dated November 11, 2022. Specifically, Ms. Morales failed to disclose a licensed household resident and operator of her policy vehicle.
Civil Penalty: $1,500
Tiffany Gordon, Mays Landing, NJ
Order #23-55024-35, January 14, 2025
Respondent, Tiffany Gordon, did knowingly provide materially false information to Citizens United Reciprocal Exchange (CURE) on an initial automobile insurance application dated August 19, 2022, by failing to disclose another individual as a household resident and driver of a policy vehicle.
Civil Penalty: $1,500
Cherica Faison, Kenilworth, NJ
Order #24-52400-35, January 14, 2025
Respondent, Cherica Faison, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on June 27, 2023. Specifically, Respondent stated she was the registered owner of the policy vehicle when adding a 2014 Nissan Sentra to her policy, when, in fact, she was not.
Civil Penalty: $1,500
Yini Xie, Piscataway, NJ
Order #24-52677-04, January 14, 2025
Respondent, Yini Xie, did knowingly conspire with another individual to pursue an insurance claim under her policy with GEICO Insurance Company knowing the claim occurred prior to the policy inception date. Specifically, Respondent conspired with the claimant of a 2022 Mercedes Benz and claimed that the damage to his vehicle occurred on May 21, 2024, and submitted claimant's photos to support that claim, knowing that the dates of the photos were altered by the claimant to reflect that the damage occurred after the policy inception when, in fact, the accident occurred on May 19, 2024, prior to the policy inception date.
Civil Penalty: $2,000
Mohamed S. Khan, Teaneck, NJ
Order #23-54488-04, January 15, 2025
Respondent, Mohamed S. Khan, knowingly provided false and misleading information to GEICO Insurance Company on an automobile insurance property damage claim dated October 2, 2023, which was reaffirmed during a recorded call on October 17, 2023. Specifically, Mr. Khan reported that his 2007 Ford Escape had been damaged by a tree on October 1, 2023, when, in fact, the vehicle was damaged prior to him adding comprehensive coverage effective September 16, 2023.
Civil Penalty: $3,000
Jeniffer Lorenzo, Jersey City, NJ
Order #24-51660-04, January 15, 2025
Respondent, Jeniffer Lorenzo, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance Company in pursuit of an auto property damage claim. Specifically, Ms. Lorenzo claimed the damage to her windshield occurred on February 13, 2024, when, in fact, it was damaged on or about February 9, 2024, which was before she purchased the additional auto glass endorsement.
Civil Penalty: $1,500
Samuel H. Perez Sajour, Teaneck, NJ
Order #24-51799-04, January 15, 2025
Respondent, Samuel H. Perez Sajour, knowingly provided false and misleading statements to Bristol West Insurance Company when pursuing an auto property damage claim. Specifically, Mr. Perez Sajour indicated that his vehicle hit a deer and sustained damage on March 16, 2024, at 3:55 a.m., when, in fact, the incident occurred on March 15, 2024 at approximately 3:50 a.m., when there was no policy in effect.
Civil Penalty: $3,000
Evelyn Thigpen, East Orange, NJ
Order #23-51776-35, January 28, 2025
Respondent, Evelyn Thigpen, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company (NJM) on an automobile insurance policy application dated October 19, 2021. Specifically, Respondent failed to disclose a licensed household member and driver with access to policy vehicle(s).
Civil Penalty: $1,500
Gabriel Torres Vazquez, Berlin, NJ
Order #24-52343-35, January 28, 2025
Respondent, Gabriel Torres Vazquez, did knowingly provide materially false information to Plymouth Rock Assurance on an initial application for automobile insurance on August 16, 2023, by failing to disclose another individual as a household resident/driver of the policy vehicle.
Civil Penalty: $1,500
Yatau Brooks, Trenton, NJ
Order #24-52838-34, January 28, 2025
Respondent, Yatau Brooks, did knowingly provide materially false and misleading information to Technology Insurance Company on August 7, 2023, in support of her event protection claim. Specifically, the Respondent provided an altered medical note, claiming that she was medically unable to attend the event, when, in fact, the document had been altered.
Civil Penalty: $1,000
Jerrica Glenn, Pleasantville, NJ
Order #24-53502-35, January 28, 2025
Respondent, Jerrica Glenn, did knowingly provide materially false information to CURE Auto Insurance Company on an initial application for automobile insurance on February 29, 2024, by failing to disclose another individual as a household resident/driver of the policy vehicle.
Civil Penalty: $1,500
Ashley Lynch, Bordentown, NJ
Order #24-55096-04, January 28, 2025
Respondent, Ashley Lynch, did knowingly provide materially false information to Progressive Garden State Insurance Company during a First Notice of Loss on July 24, 2024 regarding windshield damage to the policy vehicle by stating that the loss occurred on July 21, 2024, when, in fact, it occurred prior to her obtaining the policy with Progressive on June 28, 2024.
Civil Penalty: $1,500
Alexis Mendez d/b/a M&R Roofing LLC, Trenton, NJ
Order #24-55263-35, January 28, 2025
Respondent, Alexis Mendez d/b/a M&R Roofing LLC., did knowingly provide materially false and misleading information to Progressive Drive New Jersey Insurance Company on July 18, 2024, when submitting an application for a commercial automobile insurance policy. Specifically, the Respondents failed to disclose all operators of the policy vehicles.
Civil Penalty: $1,500
Gabriel A. Mairone, Pennsauken, NJ
Order #24-55655-37, January 28, 2025
Respondent, Gabriel A. Mairone, did knowingly provide materially false information on an application for manufactured home insurance to American Modern Property & Casualty Insurance Company on March 22, 2024, by failing to disclose a previous policy had been non-renewed and was lapsed for more than 30 days.
Civil Penalty: $1,500
Stephen Perez, Tuckerton, NJ
Order #23-50470-04, January 29, 2025
Respondent, Stephen Perez, did knowingly provided false and misleading information when pursuing an auto property damage claim with GEICO Indemnity Company. Specifically, Respondent claimed that the damage to his insured 2016 Hyundai Elantra occurred on January 31, 2023, when, in fact, the damage occurred prior to him adding comprehensive coverage to his automobile policy on January 30, 2023.
Civil Penalty: $1,000
Kadeidra Edmonds, Willingboro, NJ
Order #23-50836-35, January 29, 2025
Respondent, Kadeidra Edmonds, did knowingly make material misrepresentations to New Jersey Manufacturers Insurance Company on an automobile application dated February 27, 2019, and in subsequent recorded policy modifications, by stating another household resident and driver of vehicles on her automobile insurance policy were covered by their own separate insurance, when, in fact, they were not.
Civil Penalty: $1,500
Andy Gomez, Cranford, NJ
Order #23-53288-35, January 29, 2025
Respondent, Andy Gomez, did knowingly provide materially false information to Progressive Insurance Company on an auto policy action dated May 12, 2023. Specifically, Mr. Gomez removed a household resident from the policy, when, in fact, this person maintained his residency with access to the insured vehicles.
Civil Penalty: $1,500
Joangel Cedeno Ceballos, Lodi, NJ
Order #24-51492-31, January 29, 2025
Respondent, Joangel Cedeno Ceballos, did knowingly provide false and misleading information on an auto application submitted to the Progressive Group of Insurance Companies dated November 28, 2023. Specifically, Mr. Ceballos stated that he resided and garaged his policy vehicle in New Jersey, when, in fact, he primarily resided and garaged his vehicle in New York.
Civil Penalty: $2,500
Lee T. Smith, Landisville, NJ
Order #24-53396-35, January 29, 2025
Respondent, Lee T. Smith, did knowingly provide materially false information to New Jersey Manufacturers Insurance Company during a recorded call on March 26, 2024, by failing to disclose an additional household member and primary operator of the insured vehicle.
Civil Penalty: $1,500
Kristin Graiff, Vineland, NJ
Order #24-54125-51, January 29, 2025
Respondent, Kristin Graiff, did knowingly provide materially false information during a statement of no loss on June 18, 2024 to Progressive Garden State Insurance Company, by indicating that no household member had been involved in any motor vehicle accidents during the lapse period, no one operating a vehicle listed on the policy had been involved in an accident during the lapse period and verified there was no damage to the policy vehicle during the lapse period of May 19, 2024 and June 18, 2024, when, in fact, a motor vehicle accident had occurred on June 18, 2024 at 1:52 p.m. involving the policy vehicle which was during the lapse period.
Civil Penalty: $2,500 |
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