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Civil Penalty:

Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.Specifically, he failed to list a licensed household member.

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Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.

Specifically, he failed to list a licensed household member.

Civil Penalty: $1,500 Victor Moreno, Harrison, NJ Order #15-51926-35, December 4, 2015 Respondent, Victor Moreno, knowingly submitted a false and misleading statement on an automobile application dated November 19, 2013, to IFA Insurance Company.

Specifically, he failed to list a licensed household resident.

Specifically, she failed to disclose her husband as a household member/driver.

Civil Penalty: $1,500 Miratha Narcisse, Orange, NJ Order #12-51355-35, December 3, 2015 Respondent, Miratha Narcisse, gave false and misleading information to 21st Century Centennial Insurance Company on her automobile application dated July 30, 2011.

,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.

Specifically, he failed to list a licensed household member.

Civil Penalty:

Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.Specifically, he failed to list a licensed household member.

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Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.

Specifically, he failed to list a licensed household member.

Civil Penalty: $1,500 Victor Moreno, Harrison, NJ Order #15-51926-35, December 4, 2015 Respondent, Victor Moreno, knowingly submitted a false and misleading statement on an automobile application dated November 19, 2013, to IFA Insurance Company.

Specifically, he failed to list a licensed household resident.

Specifically, she failed to disclose her husband as a household member/driver.

Civil Penalty: $1,500 Miratha Narcisse, Orange, NJ Order #12-51355-35, December 3, 2015 Respondent, Miratha Narcisse, gave false and misleading information to 21st Century Centennial Insurance Company on her automobile application dated July 30, 2011.

,500 Victor Moreno, Harrison, NJ Order #15-51926-35, December 4, 2015 Respondent, Victor Moreno, knowingly submitted a false and misleading statement on an automobile application dated November 19, 2013, to IFA Insurance Company.

Specifically, he failed to list a licensed household resident.

Specifically, she failed to disclose her husband as a household member/driver.

Civil Penalty:

Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.Specifically, he failed to list a licensed household member.

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Civil Penalty: $1,500 Nabil Abroumi, Clifton, NJ Order #15-51976-35, December 17, 2015 Respondent, Nabil Abroumi, knowingly submitted a false and misleading statement to Progressive Insurance Company on an automobile policy application dated March 19, 2013.

Specifically, he failed to list a licensed household member.

Civil Penalty: $1,500 Victor Moreno, Harrison, NJ Order #15-51926-35, December 4, 2015 Respondent, Victor Moreno, knowingly submitted a false and misleading statement on an automobile application dated November 19, 2013, to IFA Insurance Company.

Specifically, he failed to list a licensed household resident.

Specifically, she failed to disclose her husband as a household member/driver.

Civil Penalty: $1,500 Miratha Narcisse, Orange, NJ Order #12-51355-35, December 3, 2015 Respondent, Miratha Narcisse, gave false and misleading information to 21st Century Centennial Insurance Company on her automobile application dated July 30, 2011.

,500 Miratha Narcisse, Orange, NJ Order #12-51355-35, December 3, 2015 Respondent, Miratha Narcisse, gave false and misleading information to 21st Century Centennial Insurance Company on her automobile application dated July 30, 2011.

Civil Penalty:

Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.

Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.

Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.

Also, when providing an official examination under oath to Progressive Insurance, Mr.

Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.

Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

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Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.Also, when providing an official examination under oath to Progressive Insurance, Mr.Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.Civil Penalty:

Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.

Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.

Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.

Also, when providing an official examination under oath to Progressive Insurance, Mr.

Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.

Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

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Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.Also, when providing an official examination under oath to Progressive Insurance, Mr.Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.Civil Penalty:

Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.

Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.

Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.

Also, when providing an official examination under oath to Progressive Insurance, Mr.

Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.

Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

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Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.Also, when providing an official examination under oath to Progressive Insurance, Mr.Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.Also, when providing an official examination under oath to Progressive Insurance, Mr.Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.Civil Penalty: ,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty:

Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.

Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.

Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.

Also, when providing an official examination under oath to Progressive Insurance, Mr.

Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.

Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

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Civil Penalty: $1,500 Stephen Berko, Bogota, NJ Order #14-54128-35, December 14, 2015 Respondent, Stephen Berko, provided false and misleading information to New Jersey Manufacturers Insurance Company on a Renewal Questionnaire dated November 3, 2013, by failing to disclose his son as a licensed household resident.Civil Penalty: $1,500 Brian Tapper, East Windsor, NJ Order #15-52102-35, December 17, 2015 Respondent, Brian Tapper, when adding a 2015 Volkswagen to his CURE Insurance Company policy on April 23, 2015, knowingly failed to disclose an additional resident operator of this vehicle.Civil Penalty: $1,500 Marie Cesar, Hillside, NJ Order #15-51159-35, December 17, 2015 Respondent, Marie Cesar, knowingly provided false and misleading information to CURE Insurance Company by not disclosing her son as a driver of her insured vehicle on a policy application dated August 13, 2014.Also, when providing an official examination under oath to Progressive Insurance, Mr.Barrino failed to provide the actual date of loss, January 20, 2015, and maintained the false date of loss of January 21, 2015.Civil Penalty: $5,000 Julio Velaochaga, Nutley, NJ Order #14-53721-35, November 18, 2015 Respondent, Julio Velaochaga, provided false and misleading information on his CURE Insurance Company auto application dated August 5, 2013, and on his CURE renewal application questionnaire dated June 1, 2014. Civil Penalty: $1,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

,500 Vinci Morato, Clifton, NJ Order #12-54150-35, November 25, 2015 Respondent, Vinci Morato, gave false and misleading statements to New Jersey Manufacturers Insurance Company on an auto insurance application dated February 22, 2011, and subsequent renewal questionnaires dated February 24, 2012 and February 24, 2013. Morato failed to disclose her boyfriend as a household resident and driver with permissive use of her risk vehicle.

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