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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2015 Bureau of Fraud Deterrence Enforcement Activity
Previous Activity: 2014 Enforcement
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
 
January


Executed Consent Orders

Vicente Quevedo Jr., Paterson, NJ
Order # 12-53247-03, January 15, 2015
Respondent, Vicente Quevedo Jr., knowingly submitted fraudulent statements to Esurance Insurance Company while pursuing an auto theft claim dated June 2, 2012. Specifically, Mr. Quevedo stated that his vehicle was stolen, when in fact the vehicle was never stolen, but Mr. Quevedo was involved in an auto accident.
Civil Penalty: $3,500

Eung Sang Lee, Harrington Park, NJ
Order #14-50200-02, January 15, 2015
Respondent, Eung Sang Lee, knowingly submitted claims on behalf of five (5) Plymouth Rock Insurance members: James Lim, Joseph Byung Jin Kang, Jin Soo Choi, Harold Lee and Eun Lee, for ultrasound using CPT Code G0283 between 2012 and 2013, indicating that he had performed the services, when in fact they were performed by unlicensed personnel.
Civil Penalty: $4,000

Diogenes Sanchez, Paterson, NJ
Order #13-53350-07, January 21, 2015
Respondent, Diogenes Sanchez, knowingly provided false and misleading information to New Jersey Property Liability Insurance Guaranty Association in pursuance of a PIP claim for injuries he sustained from being struck by a vehicle on July 16, 2012. Specifically, Mr. Sanchez provided a false name and false pedigree information on all submitted PIP claim documents.
Civil Penalty: $5,000

Fanny Hincapie, Rutherford, NJ
Order #13-54893-35, January 21, 2015
Respondent, Fanny Hincapie, knowingly submitted false and misleading information to Metropolitan Property and Casualty Insurance Company on her automobile insurance policy application dated June 12, 2012. Ms. Hincapie failed to disclose her daughter, Alexandra M. Corales, as a regular operator of the insured's 2010 Honda Pilot. Ms. Hincapie also failed to disclose that the policy vehicle was not being garaged at the policy address.
Civil Penalty: $1,500

Tamika J. Jackson, Rahway, NJ
Order #12-53875-04, January 15, 2015
Respondent, Tamika J. Jackson, knowingly provided false and misleading information to Progressive Garden State Insurance Company on September 12, 2012, by reporting that she was involved in a motor vehicle crash on September 7, 2012 at 4:43 p.m., after the inception of her automobile insurance policy on September 7, 2012 at 7:18 a.m., when in fact, the crash occurred on September 7, 2012 at 3:43 a.m.
Civil Penalty: $2,500

Dong Hoon Seok/King’s Auto Body, Palisades Park, NJ
Order #13-51930-26, January 8, 2015
Respondent, Dong Hoon Seok/King's Auto Body, LLC, on or about January 16, 2013, submitted a fabricated towing bill for an inflated amount to the Allstate Insurance Company in support of an automobile property damage claim made by the insured, Keum Muhn.
Civil Penalty: $2,500

Franclin Estrada, Fairview, NJ
Order #12-53513-35, January 8, 2015
Respondent, Franclin Estrada, conspired with Erwin Garcia to conceal that Franclin Estrada was the true owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Erwin Garcia, North Bergen, NJ
Order #12-53513-35, January 8, 2015
Respondent, Erwin Garcia, failed to disclose Franclin Estrada as the owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Joseph Rambhajan, Jr., Parlin, NJ
Order #13-55044-34, January 21, 2015
Respondent, Joseph Rambhajan, Jr., neither admits nor denies failing to disclose a prior medical condition on his application for a Disability Income Protector Policy with Combined Insurance Company of America dated August 15, 2013.
Civil Penalty: $1,500

Marie Cesar, Hillside, NJ
Order #14-52457-35, January 21, 2015
Respondent, Marie Cesar, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by not disclosing her daughter, Alensha Guerrier, as a driver of her insured vehicle on a policy application dated July 17, 2013.
Civil Penalty: $1,500

Michael Pedone, North Middletown, NJ
Order #14-51044-35, January 20, 2015
Respondent, Michael Pedone, did knowingly provide misleading information to Cure Insurance Company by not disclosing Ann Pedone as a licensed, primary operator of the policy vehicle on his auto application dated November 15, 2013.
Civil Penalty: $1,500

Mike Douze, Orange, NJ
Order #14-52091-35, January 12, 2015
Respondent, Mike Douze, knowingly provided false and misleading information to Cure Insurance Company by not disclosing Amber Paul as a driver of his insured vehicle on a policy application dated March 10, 2014.
Civil Penalty: $1,500

Jesenia Santiago, East Brunswick, NJ
Order #14-52205-35, January 21, 2015
Respondent, Jesenia Santiago, did knowingly provide material false information on an application for auto insurance with IFA Insurance Company dated March 21, 2013, by failing to disclose her boyfriend, Daniel Bonilla, as a household member and driver of the insured vehicle.
Civil Penalty: $1,500

Sandra Hionas, Camden, NJ
Order #14-50247-35, January 21, 2015
Respondent, Sandra Hionas, failed to disclose the true garaging locations of the 1995 Jeep, the 2006 Toyota, and the 2006 Kia policy vehicles as well as that her daughter, Samantha Hionas, was the primary driver of the 1995 Jeep and that her son, Petros Hionas, was the primary driver of the 2006 Toyota to NJ Re-Insurance on correspondence dated June 10, 2009 and January 7, 2010, as well as on renewal questionnaires dated January 13, 2010, February 8, 2011 and January 20, 2012.
Civil Penalty: $1,500.00

Kristin Ferraro
, Eatontown, NJ
Order #14-50518-35, January 12, 2015
Respondent, Kristin Ferraro, did knowingly provide materially false written statements to CURE Auto Insurance Company on her renewal dated April 22, 2013, by failing to disclose an additional licensed household member, Nicholas J. Iacono.
Civil Penalty: $1,500

Tiffany Sardella, Forked River, NJ
Order #14-50623-04, January 8, 2015
Respondent, Tiffany Sardella, did knowingly provide a material misrepresentation to Progressive Garden State Insurance Company on February 26, 2014 at 9:44 a.m. by not disclosing a prior accident on February 26, 2014 at 7:47 a.m. on her application for an automobile insurance policy. The respondent then submitted a claim for the crash on February 26, 2014 at 12:28 p.m. in an attempt to receive a benefit she was not entitled.
Civil Penalty: $1,500

Cassandra Chavez, Landisville, NJ
Order #14-51589-35, January 12, 2015
Respondent, Cassandra Chavez, did knowingly present false material information on an auto insurance application dated January 25, 2014 with Plymouth Rock Assurance specifically, by failing to disclose her boyfriend, Brendon Shaw, as a household member and driver.
Civil Penalty: $1,500

Shawn Mitchell, Paterson, NJ
Order #13-52806-35, January 29, 2015
Respondent, Shawn Mitchell, knowingly submitted false and misleading information to CURE Insurance Company on an automobile policy dated April 12, 2012, by failing to disclose her daughter, Brittany Mitchell, as a licensed driver or operator and her son, Troy Mitchell Jr., as a resident in her household.
Civil Penalty: $1,500

Brenda Galarza, Newark, NJ
Order #13-53590-35, January 29, 2015
Respondent, Brenda Galarza, knowingly supplied false and misleading statements on an application with CURE Insurance Company dated January 20, 2012, and a policy renewal questionnaire dated December 12, 2012, specifically, by failing to disclose that Samuel Casseus, Jr., was a resident of the policy address.
Civil Penalty: $1,500

Ariel Guzman, Paramus, NJ
Order #14-52925-35, January 29, 2015
Respondent, Ariel Guzman, on March 10, 2014, knowingly provided a false and misleading statement on an auto insurance application with National Liability and Fire Insurance Company, specifically, stating he resided at 40 Brock Court, Paramus, New Jersey, when in fact he was residing at 390 Madison Avenue, Paterson, New Jersey.
Civil Penalty: $1,500

Kiana Entzminger, Perth Amboy, NJ
Order #13-54312-35, January 29, 2015
Respondent, Kiana Entzminger, submitted false and misleading information on her CURE Insurance Company auto application dated April 13, 2013, by failing to disclose that Paul Wood was the primary operator of the insured Infiniti and that it would not be garaged at the policy address.
Civil Penalty: $1,500

David Genao, Hoboken, NJ
Order #13-53384-35, January 29, 2015
Respondent, David Genao, knowingly misrepresented to IFA Insurance Company, by certifying on January 8, 2013 at 2:15 p.m., that there have been no losses, accidents or circumstances that might give rise to a claim under his insurance policy, from 12:01 a.m. on December 26, 2012 to 2:06 p.m. on January 8, 2013, when in fact, he was involved in an auto accident at 1:12 p.m. on January 8, 2013.
Civil Penalty: $2,500

Dorothy H. Dolan, Maple Shade, NJ
Order #12-53184-45, January 29, 2015
Respondent, Dorothy H. Dolan, knowingly conspired with Carl Catino by preparing invoices and signing receipts for caregiver services between February 22, 2012 and August 21, 2012 that were not rendered, which Carl Catino then submitted to Genworth Financial and received reimbursement under a long term care insurance policy.
Civil Penalty: $2,500

Panagis Antipas, Cherry Hill, NJ
Order #12-53780-27, January 29, 2015
Respondent, Panagis Antipas, knowingly presented a material false statement to Allstate Insurance Company on February 15, 2012, relative to a claim, by reporting a pipe burst in the bathroom, when in fact, the water leak was chronic and over an extended period of time.
Civil Penalty: $3,500

 
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