Njdobi 2024 Division Of Insurance Enforcement Activity

Consent Orders George P. Gravenstine, Moorestown, NJ Order #E24-64, November 7, 2024 Respondent directed an improper premium rebate credit and the issuance of certificates of insurance which contained false coverage amounts. Sanctions: Fine - $65,000; license suspension for a period of three months Jonas Knopf, Lakewood, NJ Order #E24-65, November 14, 2024 Respondent pled guilty to Federal charges of health care fraud and failed to notify the Department of the criminal charges. Sanctions: License revocation; Fine - $15,000 Medimax Group Inc.

and Rohit Gupta, Edison, NJ Order #E24-66, November 14, 2024 Respondents operated a third party billing service in New Jersey without obtaining prior certification from the Department. Sanction: Fine - $5,000 Richard W. Anselmo, Belmar, NJ Order #E24-67, November 27, 2024 Respondent conducted insurance business from August 2018 to September 2019 under an unlicensed and unapproved business name and failed to identify the insurance producer in distributed... Sanction: Fine - $5,000 Minerva Tavarez, Woodland Park, NJ Order #E24-68, November 27, 2024 Respondent submitted false information to an insurer in order to obtain policy discounts for sixteen applicants.

Sanctions: License revocation; Fine - $7,500; Fraud surcharge - $375 On July 8, 2024, the New Jersey Department of Banking and Insurance (NJDOBI) issued Bulletin No. 24-10 and Order No. A24-06 simultaneously to request information from insurers that have written premium in 2023 for certain lines of business. The bulletin and order both provide the specific lines of business for which insurers must complete the survey and the instructions on how to do so. Those required to respond must submit the responses to AHI@dobi.nj.gov no later than August 22, 2024.

Please see Bulletin No. 24-10 and Order No. A24-06 for more information. For any questions regarding the survey, please contact Jesse Kolodin at Jesse.Kolodin@dobi.nj.gov. Insurance in the State of New Jersey has been regulated since 1891. Over the last 130 years, the organizations have gone through several waves of restructuring, ending up with the current regulatory body: the New Jersey Department of Banking and Insurance (NJDOBI) which is then overseen...

In addition to overseeing all the lines of insurance sold in the state, NJDOBI is also responsible for insurance education, insurer solvency, licensing services, consumer inquiries, market conduct examinations, anti-fraud functions, and much more. General information about the insurance industry in New Jersey The purpose of insurance in New Jersey is to protect businesses and individuals from personal risks, liability risks, or property risks that may otherwise lead to larger losses. Insurance contracts function to allow you (the insured) to transfer your risks to the insurance provider, by paying a fee (premium) for this protection. The State of New Jersey protects its residents on the insurance market in multiple ways. Besides the overall regulation through the New Jersey Department of Banking and Insurance (NJDOBI), state guaranty associations also play a pivotal role in the stability of the industry as a whole.

Janice McKenzie-Simon, Jackson, NJ Order #22-52229-35, December 3, 2024 Respondent, Janice McKenzie-Simon, did knowingly provide false and misleading information to CURE Auto Insurance Company on an automobile insurance policy application dated, August 26, 2020. Specifically, Respondent provided a New Jersey address when, in fact, she primarily garaged her vehicle in New York. In addition, Respondent listed a second vehicle on the policy as an "extra car”, when, in fact, it was used on a regular basis by others, and the vehicle was not owned by, nor... Civil Penalty: $2,500 Keela Gethers, Brooklyn, NY Order #23-51080-31, December 3, 2024 Respondent, Keela Gethers, did knowingly provide materially false information to Progressive Garden State Insurance Company on an automobile insurance application dated January... Civil Penalty: $2,500 Nydia Lecaro, Jersey City, NJ Order #23-51452-35, December 3, 2024 Respondent, Nydia Lecaro, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company on several policy actions and other... Specifically, Ms.

Lecaro failed to disclose that another individual was a resident of her household and regular operator of her policy vehicles. Civil Penalty: $1,500 Liliana Bringas, Long Branch, NJ Order #23-53290-04, December 3, 2024 Respondent, Liliana Bringas, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on July 11, 2023... Civil Penalty: $1,500 Jose Gomez, Atlantic City, NJ Order #24-54110-52, December 3, 2024 Respondent, Jose Gomez, did knowingly provide materially false information on a Special Automobile Insurance Policy application to the New Jersey Special... Civil Penalty: $1,000 Sonal Patel, Iselin, NJ Order #23-54038-35, December 4, 2024 Respondent, Sonal Patel, knowingly provided materially false and misleading information to Metromile lnsurance Company on September 15, 2023 when pursuing an automobile... Specifically, Respondent submitted a claim for a stolen catalytic converter that had occurred prior to the inception of adding comprehensive coverage to her automobile policy and lowering of deductibles from $500 to $100 which... Civil Penalty: $1,500 Emmanuel Charles, Irvington, NJ Order #24-53247-04, December 4, 2024 Respondent, Emmanuel Charles, did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on June 18, 2024 and...

Civil Penalty: $1,500 Preeti Bhargav Senjalia, LMBT and All Rehab, LLC, Mine Hill, NJ Order #19-50393-24, December 11, 2024 Respondent, Preeti Bhargav Senjalia, LMBT and All Rehab, LLC, did knowingly submit documentation to Horizon... Furthermore, Respondents, between January 5, 2017, and November 19, 2018, knowingly submitted 236 claims for 18 patients to Horizon Blue Cross Blue Shield of New Jersey which contained false or misleading information regarding physical... Civil Penalty: $27,000 Cherice Nealy, Brooklyn, NY Order #22-52055-04, December 11, 2024 Respondent, Cherice Nealy, did knowingly provide false and misleading information to Progressive Insurance Company on May 5, 2022, by misrepresenting her primary... Furthermore, Cherice Nealy did knowingly provide false and misleading information to Progressive Insurance Company on May 16, 2022, during a recorded call by stating that her policy vehicle was involved in an accident in... Civil Penalty: $5,000 Jarmi Patel, Philadelphia, PA Order #23-51744-31, December 11, 2024 Respondent, Jarmi Patel, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on her application dated... Civil Penalty: $2,500 Glenda Montoya, Vauxhall, NJ Order #23-53485-51, December 4, 2024 Respondent, Glenda Montoya, did knowingly provide materially false and misleading information to Progressive Insurance Company on July 30, 2023 at 10:41 a.m.,...

prior to reinstatement of the policy. Furthermore, Respondent, knowingly provided false and misleading information relative to the time of the accident to Progressive Insurance Company during the submission of her claim on July 31, 2023. Civil Penalty: $2,500 Jeffrey Chong & Gemrock LLC, Home Sweet Home Interior Solution, Englewood Cliffs, NJ Order #23-53898-30, December 16, 2024 Respondents, Jeffrey Chong & Gemrock LLC, Home Sweet Home Interior Solution knowingly provided... Civil Penalty: $2,500 Miguel A. Galarza Lara, Paterson, NJ Order #23-54675-35, December 16, 2024 Respondent, Miguel A. Galarza Lara, did knowingly provide materially false and misleading information to the Progressive Group of Insurance Companies on an auto application dated November 9, 2022.

Specifically, Mr. Galarza Lara failed to disclose a household resident and operator of his policy vehicle. Civil Penalty: $1,500 Tyra Bryant, Bridgeton, NJ Order #24-50939-04, December 16, 2024 Respondent, Tyra Bryant, did knowingly make material misrepresentations to "Good2Go" Insurance Company on January 10, 2024, and in subsequent recordings in support... Specifically, she reported that the loss occurred on December 11, 2023, at 3 a.m., when, in fact, the loss actually occurred on December 10, 2023, at approximately 12:43 a.m., which was prior to the... Civil Penalty: $2,500 Robert B. Frank, Glen Head, NY Order #24-52183-39, December 16, 2024 Respondent, Robert B.

Frank, knowingly provided false and misleading information to Ameritas Life Insurance Company on a life insurance application signed and dated on April 9, 2022. Specifically, in Section IV of the Underwriting Questions, Mr. Frank failed to disclose his complete medical history for the past ten (10) years. Civil Penalty: $2,500 Domingo E. Ferreira, Paterson, NJ Order #24-52212-52, December 16, 2024 Respondent, Domingo E. Ferreira, knowingly provided false and misleading information to State National Specialty Insurance Company on a SAIP automobile insurance application dated February 21, 2024.

Specifically, Mr. Ferreira indicated that he was not covered under any other automobile liability insurance policy as a named insured, when, in fact, he was a policy holder of a 21st Century Insurance Company Personal Automobile... Civil Penalty: $1,000 Fatimah Workfield, Brick, NJ Order #24-53321-35, December 16, 2024 Respondent, Fatimah Workfield, did knowingly provide materially false and misleading information to Plymouth Rock Assurance Corporation on an automobile insurance application dated... Specifically, the Respondent failed to disclose all household members and operators of the policy vehicles. Civil Penalty: $1,500 Alexis L. Clauss Order #24-53781-31, December 16, 2024 Respondent, Alexis L.

Clauss, did knowingly provide materially false information on an application for automobile insurance to Palisades Insurance Company on March 13, 2023, and during the submission of a Proof of Residency on April 24, 2023. Civil Penalty: $2,500 Chinita Powers, Salem, NJ Order #24-54219-35, December 16, 2024 Respondent, Chinita Powers, did knowingly provide materially false and misleading information to CURE Auto Insurance Company when submitting several policy renewal questionnaires... Specifically, the Respondent failed to disclose all drivers of the policy vehicles. Civil Penalty: $1,500 Ioannis Loannou and GC Dynatech Construction LLC, South Amboy, NJ Order #22-50304-40, December 17, 2024 Respondents, Ioannis Loannou and GC Dynatech Construction LLC, did knowingly provide materially false information during audits... Civil Penalty: $30,000 Abdelrhman Attia, North Plainfield, NJ Order #23-50339-35, December 18, 2024 Respondent, Abdelrhman Attia, submitted false and misleading information to Plymouth Rock Assurance when reporting a vehicle damage claim. Specifically, Respondent misrepresented the true date of loss by reporting that his insured vehicle, a 2011 Toyota Corolla, was damaged as the result of a hit and run on January 5, 2023, when, in...

Civil Penalty: $1,500 Joseph Melendez, Glassboro, NJ Order #24-54795-36, December 18, 2024 Respondent, Joseph Melendez, did knowingly provide materially false information on an application for life insurance to Ameritas Life Insurance Corporation on February... Civil Penalty: $1,500 Maria Isabel Villarroel-Mayorga, Union City, NJ Order #22-51693-33, December 31, 2024 Respondent, Maria Isabel Villarroel-Mayorga, knowingly concealed and failed to disclose relevant information to Federal Insurance Company in order to obtain... Specifically, Ms. Villarroel-Mayorga concealed her father's death, forged his name on checks, and accepted electronic bank deposits in order to collect benefits. Civil Penalty: $4,000 Anna A. Aslanian, River Edge, NJ Order #23-53566-35, December 31, 2024 Respondent, Anna A.

Aslanian, knowingly provided false and misleading statements on an automobile application submitted to Progressive Insurance Company dated March 23, 2023, specifically, by failing to disclose a licensed household resident. Civil Penalty: $1,500 Edwin Echeverria Sr., North Bergen, NJ Order #24-50506-35, December 31, 2024 Respondent, Edwin Echeverria Sr., did knowingly provide false and misleading information to the Progressive Group of Insurance Companies on an... Specifically, Mr. Echeverria failed to disclose all licensed residents and operators of policy vehicles. Civil Penalty: $1,500 Andrea Peralta Mendez, Wilkes-Barre, PA Order #24-53019-04, December 31, 2024 Respondent, Andrea Peralta Mendez, did knowingly provide materially false information to the Progressive Group of Insurance Companies when pursuing a windshield... Specifically, Ms.

Peralta Mendez stated that her windshield was damaged on June 12, 2024, when in fact, the damage occurred weeks earlier before she added the glass coverage. Civil Penalty: $1,500 Tyresse D. Calhoun, Brooklyn, NY Order #21-52689-35, November 6, 2024 Respondent, Tyresse D. Calhoun, did knowingly provide false and misleading information to GEICO Insurance Company on August 6, 2021, specifically by stating the accident happened around 2 a.m. when, in fact, it occurred at 1:30 a.m.

Tyresse D. Calhoun did knowingly provide false and misleading information to GEICO Insurance Company on August 6, 2021, specifically by stating his wife obtained a policy before the accident when, in fact, she obtained the policy... Civil Penalty: $2,500 Geoffrey T. Gelay, Haddon Heights, NJ Order #23-53525-35, November 12, 2024 Respondent, Geoffrey T. Gelay, did knowingly make materially false statements to Progressive Garden State Insurance Company on July 27, 2023, by stating the date of loss was July 24, 2023, after he added glass coverage to his...

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