MEC&F Expert Engineers : INSURANCE FRAUD: 50 individuals were criminally charged following investigations by the Pennsylvania Office of Attorney General's Insurance Fraud Section.

Tuesday, November 22, 2016

INSURANCE FRAUD: 50 individuals were criminally charged following investigations by the Pennsylvania Office of Attorney General's Insurance Fraud Section.

Attorney General Beemer announces 50 charged with insurance fraud 11/21/2016

HARRISBURG — Attorney General Bruce R. Beemer today announced the filing of criminal charges against 50 individuals following investigations by the Office of Attorney General's Insurance Fraud Section.

The charges are part of a November sweep conducted by the Insurance Fraud Section, which is the largest law enforcement entity in Pennsylvania with specific authority to investigate and prosecute cases of insurance fraud. The total potential fraud involved in these cases is more than $1.1 million.

"Insurance fraud results in billions of dollars of losses each year," Attorney General Beemer said. "This type of fraud also leads to higher insurance rates for everyone, which is why it is important for our office to be diligent in investigating and prosecuting these crimes."

The charges announced today involve some of the most common types of insurance fraud. Below is a list of the defendants, the charges filed against them and a description of their alleged criminal acts. The cases are all pending.

Eastern Region

David G. Miller III, 32, of the 6200 block of Mount Pleasant Road, Honey Brook, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. According to a criminal complaint filed in support of the charges, Miller's automobile was uninsured when he was involved in an accident on June 6. After the accident, he called Allstate Insurance Company to obtain coverage. Later, he provided a recorded statement to the insurance company in which he allegedly claimed the accident had occurred after he obtained the insurance policy.

Jennifer Carter, 30, of the 5300 block of Baynton St., Philadelphia, is charged with one count each of insurance fraud, theft by deception and criminal use of a communication facility. An investigation confirmed that Carter in December 2015 upgraded her automobile insurance policy with Progressive Insurance Company. Roughly 12 hours after the upgrade, which added collision and comprehensive coverage, Carter filed a claim for damage to her sports utility vehicle that she alleged was the result of an accident. Further investigation confirmed that the damage to Carter's vehicle occurred before she called to upgrade her policy. Documents confirmed her vehicle was towed from the scene long before she claimed the accident had occurred, investigators stated in a criminal complaint.

Shawn M. Robinson, 38, of the 2200 block of Lambert St., Philadelphia, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception, criminal use of a communication facility and a separate count of insurance fraud. Robinson in January 2013 called his automobile insurance carrier, Safe Auto Insurance, to add comprehensive and collision coverage to his policy. Roughly three days after adding the additional coverage, Robinson allegedly called his insurance company to report that an unknown vehicle had hit his parked car and caused damage. Further investigation confirmed that an individual had broken into Robinson's vehicle and damaged it the day before Robinson added the additional coverage, meaning Robinson provided a false statement to his insurance carrier, investigators allege.

Samuel Mansary, 34, of the 200 block of Beverly Blvd., Upper Darby, is charged with one count each of insurance fraud, theft by deception and criminal use of a communication facility. An investigation showed that Mansary was listed as the second driver of a vehicle that was rented in September 2015 from Hertz Rental Car Company. After the vehicle was involved in an accident in Abington Township, Mansary called Geico Insurance Company, claiming that he was the driver of the vehicle at the time the accident occurred. Geico later issued a payment of more than $10,000 for repairs to the rental car. It was later determined that Mansary was not the driver of the vehicle when the accident occurred, investigators alleged in a criminal complaint. It was Mansary's cousin, an unauthorized driver of the rental car, who was reportedly driving at the time of the accident.

Yvette G. Jones, 27, of the 4500 block of N. 18th St., Philadelphia, and Sheldon McCall-Jones, 27, of the 1900 block of N. 71st Ave., Philadelphia, are both charged with one count each of insurance fraud, attempted theft by deception and criminal conspiracy. An investigation confirmed that McCall-Jones in September 2015 was involved in an automobile accident with a Philadelphia police vehicle. During an initial recorded statement that he provided to his insurance carrier, Access Insurance Company, McCall-Jones stated that he was alone in the vehicle at the time of the accident. However, during a second interview, he claimed that Yvette Jones, his aunt, was a passenger in the vehicle at the time of the accident. Yvette Jones through her attorney sent a letter to the insurance company claiming she had suffered injuries in the accident. The investigation revealed that the false report was made in an effort to obtain money from the insurance company, investigators allege.

Sunita Suresh, 45, of the 700 block of W. Rolling Road, Springfield, is charged with three counts of worker's compensation fraud and one count each of theft by deception and criminal use of a communication facility. According to a criminal complaint filed in support of the charges, Suresh received more than $13,000 in worker's compensation benefits. She claimed that she suffered a concussion in August 2015 when a heater light and metal electric box fell on her head while she was working at Riddle Hospital in Media, Delaware County. The total disability worker's compensation benefits that Suresh received were based on her claim that she was unable to work at any job. However, the investigation revealed that Suresh worked full-time at Penn Presbyterian Hospital in Philadelphia during the time period when she was receiving disability benefits.

Theresa Bush, 56, of the 1600 block of W. York St., Philadelphia, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception, criminal use of a communication facility and a separate count of insurance fraud. Bush in July 2014 was involved in an automobile accident in Philadelphia at a time when her vehicle was uninsured. After the accident occurred, Bush allegedly contacted Safe Auto Insurance to reinstate the insurance policy on her vehicle. She later provided a false statement in which she misstated the time of the accident in an effort to receive insurance benefits for a purported injury that she suffered, investigators stated in a criminal complaint.

Richard E. Williams Jr., 30, of the 900 block of Gilbert Road, Cheltenham, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception, criminal use of a communication facility and a separate count of insurance fraud. Williams' car was damaged in April. He later changed his insurance deductible with Progressive Insurance from $1,000 to $500. After the change to his policy, Williams falsely reported that the damage to his vehicle occurred before the policy was changed, investigators allege.

Lachell D. Goines, 25, of the 7200 block of Glenthorne Road, Upper Darby, is charged with one count each of insurance fraud, criminal conspiracy to commit insurance fraud, criminal attempt to commit theft and criminal use of a communication facility. Goines' boyfriend was driving her vehicle alone when he was involved in an accident in November 2015. After the accident occurred, Goines falsely told her insurance carrier, Progressive Insurance, that she was driving her vehicle at the time the accident occurred, according to investigators. She is further accused of submitting a false claim for medical benefits and falsely stating that she was injured as the result of the accident, investigators stated in a criminal complaint.

John Ackley, 41, of Laurel Springs, N.J., is charged with three counts of worker's compensation fraud and one count of theft by deception. Ackley claimed that he was injured in September 2010 when he was working for a Philadelphia company. As a result of his alleged total disability, Ackley received payments of more than $70,000 in lost wages benefits and more than $80,000 in medical payments from the Pennsylvania State Workers Insurance Fund. An investigation determined that Ackley was in fact working other jobs during the time he received the disability benefits, according to investigators. He is also accused of providing false documentation to the State Workers Insurance Fund in which he claimed that he was unemployed during the time he was receiving the benefits. Ackley is a fugitive at this time.

Charles Adams, 42, and Donna L. Smith, 59, both of the 900 block of Madison St., Coatesville, are both charged with one count each of insurance fraud, criminal attempt to commit theft by deception and criminal conspiracy. Adams is also charged with an additional count of insurance fraud. According to investigators, Adams and Smith, his mother-in-law, both made misrepresentations to Safe Auto Insurance regarding the timing of an accident that occurred in December 2015. Smith was reportedly driving Adams' vehicle when she was involved in a multi-vehicle accident. Adams allegedly called Safe Auto Insurance after the accident occurred to obtain an insurance policy. Roughly three hours after obtaining the policy, Adams called to report the accident involving his mother-in-law, according to investigators. Both Adams and Smith allegedly provided statements to the insurance company that the accident occurred before the policy went into effect. However, an investigation that included interviews with the other drivers involved in the crash confirmed their statements were false.

Jano J. Thottumkal, 45, of the 2600 block of Virginia Drive, Jamison, is charged with one count each of insurance fraud, criminal use of a communication facility, unlawful use of a computer and criminal attempt to commit theft by deception, in addition to a separate count of insurance fraud. According to investigators, Thottumkal made false representations to Progressive Insurance. Thottumkal reportedly obtained an insurance policy from Progressive in August 2015. Roughly two weeks after obtaining the policy, Thottumkal called the insurance company to report that he had been involved in an accident the day before his call. An investigation confirmed the accident actually occurred before Thottumkal obtained the insurance policy through Progressive, according to investigators.

Nathaniel Shoatz, 30, currently incarcerated at SCI — Camp Hill, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception, forgery and criminal conspiracy. According to investigators, Shoatz claimed that he lost property valued at more than $35,000 during a burglary at the Philadelphia apartment where he said he was living. He allegedly submitted fraudulent receipts to Travelers Insurance Company to support this claim, saying furs and clothing were among the items stolen.

Luigi Rodriguez, 24, of the 1600 block of E. Hunting Park Ave., Philadelphia, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception and criminal use of a communication facility, in addition to a separate count of insurance fraud. Rodriguez in January got into an automobile accident after his vehicle's insurance policy expired due to lack of payment. An investigation confirmed that Rodriguez called Progressive Insurance to reinstate the policy. At the time the policy was reinstated, Rodriguez said that he had not been involved in any recent accidents, according to investigators. The day after the policy was reinstated, Rodriguez reportedly called Progressive again to report that he had been in an accident. The investigation confirmed that the reported accident had actually occurred before Rodriguez called to reinstate his policy, investigators stated in a criminal complaint.

Jarreau H. Brown, 29, of Wilmington, Del., is charged with one count each of insurance fraud, criminal attempt to commit theft by deception and criminal use of a communication facility. Brown's vehicle caught fire in November 2015 during a time when the vehicle was uninsured. After the fire, Brown reportedly obtained an insurance policy through Progressive Insurance. A day later, he allegedly submitted a false claim in which he made the misrepresentation that the fire had occurred before he obtained the insurance policy.

Lisa Somma, 40, of the 200 block of East Township Line Road, Havertown, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception and criminal use of a communication facility. According to a criminal complaint, Somma in September 2015 obtained an automobile insurance policy through Safe Auto Insurance. Four days after obtaining the policy, she filed a claim, stating she had been involved in a two-vehicle accident. An investigation confirmed the accident had in fact occurred before Somma obtained the insurance policy, according to investigators.

Raymond Barbosa, 50, of the 200 block of W. Lehigh St., Bethlehem, and Stacey A. McClure, 46, of the 1400 block of High St., Bethlehem, are both charged with one count each of insurance fraud, criminal conspiracy, criminal attempt to commit theft by deception and criminal use of a communication facility. Barbosa in March 2015 was involved in a single car accident when he did not have automobile insurance. According to investigators, Barbosa obtained an insurance policy after the accident. Four days after obtaining the policy with Progressive Insurance, investigators said Barbosa allegedly submitted a claim in which he falsely reported that the accident had occurred after the policy went into effect. Meanwhile, McClure allegedly provided a false statement to Progressive in which she corroborated Barbosa's false account of the accident. In both of their statements, Barbosa and McClure allegedly misled the insurance company when they said they did not know each other prior to the accident.

Maya Bennett, 29, of the 1000 block of Cambridge St., Philadelphia, is charged with one count each of insurance fraud, theft by deception, criminal use of a communication facility and criminal attempt to commit theft by deception. According to investigators, Bennett was part of a group that shoplifted items valued at more than $3,000 from stores in Montgomery County. As she fled in a vehicle from the scene where the shoplifting occurred, Bennett drove at a high rate of speed, striking two other cars and causing her own vehicle to flip over. Bennett, who pleaded guilty to various crimes in connection with the shoplifting and the accident she caused, pursued an automobile insurance claim through her policy with Erie Insurance Company. Investigators alleged that she made a series of false statements to the insurance company regarding the circumstances of the accident she was involved in. For example, she is accused of falsely denying that she was the driver of the car. She allegedly did this in an effort to obtain insurance benefits to which she was not entitled.

Antwanette C. Patterson, 31, of the 100 block of N. Bethlehem Pike, Ambler, is charged with one count each of insurance fraud, criminal use of a communication facility and criminal attempt to commit theft by deception, in addition to a separate count of insurance fraud. According to investigators, Patterson in a claim to Progressive Specialty Insurance Company stated that her vehicle was damaged when it struck a deer. However, an investigation confirmed that the accident had actually occurred a day prior to the inception of her policy with Progressive, meaning her claim was allegedly fraudulent.

Kellie Jemison, 38, of the 1100 block of E. Lincoln Hwy., Coatesville, is charged with one count each of insurance fraud, criminal use of a communication facility and criminal attempt to commit theft by deception, in addition to one separate count of insurance fraud. According to investigators, Jemison in February filed a claim through Safe Auto Insurance Company, her automobile insurance carrier, related to an accident that occurred the previous June. Further investigation confirmed that the accident occurred before Jemison's policy took effect. Jemison is accused of providing false information in the fraudulent claim that she made to her insurance company.

Anthony Reid, 33, of the 1900 block of Carpenter St., Philadelphia, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception and criminal use of a communication facility. According to investigators, Reid was involved in an automobile accident in April when his vehicle was uninsured. He is accused of providing a false statement to his prior insurance carrier, Safe Auto Insurance, regarding the date the accident occurred. It is alleged that he provided this information in an attempt to have the insurance company pay for damages caused by the accident.

Western Region

Virginia Baustert, 41, of the 100 block of Hilltop Drive, Apollo, is charged with one count each of insurance fraud, theft by deception and violation of the controlled substance, drug, device and cosmetic act. Investigators allege that Baustert gave false, incomplete and misleading information to medical providers in several western Pennsylvania counties, causing them to submit claims to Highmark Insurance for medical services that Baustert did not need. She is accused of presenting prescriptions to various pharmacies for Oxycodone and OxyContin, knowing that the prescriptions were not properly issued. The amount of the theft of medical services that were not necessary is approximately $160,000, according to investigators.

Caryn Ratti, 45, of the 200 block of Greenwood Drive, New Brighton, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. On Jan. 25, Ratti filed a claim with Motorist Insurance claiming that she was injured when she fell in Beaver Supermarket. She submitted medical bills totaling approximately $3,500 as part of her claim and requested that the payment be issued to her directly. Ratti is accused of staging the fall. Furthermore, Ratti’s medical bills for the hospital visit were paid for by Medicaid, according to investigators.

Christine Woodring, 25, of the 9900 block of Broadway St., North Huntingdon, and Richard H. Nelson, 35, of the 200 block of Laurel Ave., Pittsburgh, are charged with one count each of theft by deception, forgery, criminal conspiracy, insurance fraud and identity theft. Woodring and Nelson, acting as licensed insurance agents, allegedly created a scheme to profit from the submission of fraudulent insurance policy applications. Nelson is accused of giving Woodring names and other personal information from policies he had previously written. Woodring and Nelson are accused of changing the addresses and bank account information on those accounts and forging the signatures based on previous applications. The two allegedly opened bank accounts to pay the premiums. Between Jan. 20, 2014 and Jan. 5, 2015, Nelson and Woodring obtained more than $70,000 in fraudulent commissions related to more than 90 policies.

Christopher Bain, 22, of the 600 block of East 25th St., Erie, is charged with one count of insurance fraud. Bain claimed that the driver of an Erie Motor Transit Authority bus closed the bus doors on him, causing injury. Bain submitted an insurance claim in which he said he sought medical treatment for a kidney injury. According to investigators, video evidence and witness testimony confirmed that Bain was not struck by the door and was uninjured. Bain is currently a fugitive.

Karen Kletch, 33, of the first block of Seminole Ave., Washington, is charged with one count each of forgery, insurance fraud, identity theft, theft by deception and criminal attempt to commit theft by deception. Kletch, an insurance agent, is accused of using the personal information of her friends and family with altered addresses, bank information and forged signatures to inflate the number of new policy applications she opened. Between May 2013 and June 2013, Kletch received more than $5,900 in commissions and bonuses for 27 fraudulent policies, according to investigators.

Vanessa McWhorter, 47, of the 2000 block of Shadyside Drive, Hermitage, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. McWhorter in January purchased a new automobile insurance policy. Three days after obtaining the policy, she submitted a claim in which she said she struck a deer, causing damage to her vehicle. Further investigation confirmed the accident had actually occurred before McWhorter obtained the new policy, investigators stated in a criminal complaint.

Todd Curtin, 40, of the 200 block of Adams Point Blvd., Mars, is charged with four counts of identity theft, three counts each of insurance fraud and criminal attempt to commit theft by deception and one count each of theft of services and theft by deception. Curtin is accused of assuming the identity of his brother in order to receive medical treatment while his brother was out of the country. It is alleged that Curtin received more than $7,000 in medical benefits using his brother's identity.

Isaac Mayo, 35, of the 200 block of N. Saint Marys St., Saint Marys, is charged with one count each of worker's compensation fraud and criminal attempt to commit theft by deception. According to a criminal complaint, Mayo, a truck driver, attempted to defraud ACE-Indemnity Insurance Company of North America by submitting a claim for injuries that he suffered while working in May 2015. However, an investigation showed that no injury occurred at the time Mayo said it did.

Robert Welliver, 47, of the 1600 block of Relative Drive, Verona, is charged with two counts of worker’s compensation fraud and one count of theft by deception. According to a criminal complaint, Welliver received total disability benefits after suffering an injury that he alleged occurred while he was working for a construction company. An investigation revealed that Welliver was working for another construction and remodeling company during the time he was receiving the disability benefits. The fraud resulted in him being paid more than $31,000 for benefits to which he was not entitled.

Anne M. Leonard, 46, of the 100 block of Bell Ave., Altoona, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Leonard is accused of reporting to her insurance company that a tractor that she owned was stolen in July 2015. An investigation revealed that the tractor that was reported stolen was actually in her brother’s possession. A tractor that was in fact stolen from Leonard's possession was valued at approximately $500 — not the $2,899 figure that Leonard falsely reported to her insurance company, according to investigators.

Faye Jenkins, 62, of the 100 block of Friendsville Road, Markleysburg, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Jenkins in December 2015 obtained a new automobile insurance policy. She later filed a claim related to an accident that she said occurred on the same day that she obtained her new policy. An investigation determined that the accident actually occurred prior to Jenkins obtaining the policy, investigators stated in a criminal complaint.

Jenna Shelbon, 32, of the 4700 block of Steinburg Road, West Springfield, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Shelbon was involved in an automobile accident in January at a time prior to her obtaining an insurance policy for her vehicle through The General Insurance. She is accused of providing false information to authorities in which she claimed the accident occurred after she obtained the policy.

Kelly Rogala, 32, of the 800 block of Rumsey Ave., Erie, is charged with one count each of insurance fraud and theft by deception. Between January 2015 and August 2015, Rogala allegedly submitted numerous insurance claims for medical treatments that she alleged she and her son received. The claims resulted in the payment of more than $17,000. However, an investigation determined that the treatments were never provided, investigators alleged in a criminal complaint.

Dianne Donatelli, 54, of the 500 block of Cedarwood Drive, Pittsburgh, is charged with three counts of theft by deception, two counts of insurance fraud and one count of unlawful use of a computer. Donatelli, who was employed by a chiropractic office, is accused of submitting multiple bills to Highmark Blue Cross/Blue Shield Insurance for patients whose bills had already been paid by another insurance company. She is also accused of submitting bills to the insurance company for services that were never rendered. Highmark paid more than $389,000 as a result of the alleged fraud.

Nancy Sanchez, 31, and Craig Dowling, 34, both of the 1000 block of Buchannon Road, Pittsburgh, are both charged with two counts each of insurance fraud and one count of criminal attempt to commit theft by deception. Sanchez in November 2015 obtained an automobile policy for her vehicle. The following day, she allegedly filed an online insurance claim that indicated she was operating her own vehicle when she was involved in an accident. During the claims process, Dowling provided a statement corroborating Sanchez’s claim. However, an investigation revealed that the accident actually involved Dowling's work vehicle, which was uninsured.

Central Region

Martina Roberts, 43, of Gaithersburg, Md., is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Roberts is accused of providing false information to Geico Insurance Company in which she misrepresented the date that a motor vehicle accident occurred. The attempted fraud involved more than $15,000, according to investigators.

Tanya Fegan, 51, of the 700 block of Pikestown Road, Harrisburg, is charged with one count each of insurance fraud and theft by deception. Fegan, a former insurance agent, is accused of changing her personal automobile insurance policy through Travelers Insurance after an accident occurred. This was allegedly done in an effort to retroactively lower her deductible and add other coverage that benefited her following the accident.

Joel Frey, 37, of the 500 block of Pennsy Road, New Providence, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Frey made a report to his homeowner's insurance carrier regarding an accidental fire in which a pole barn, shed and the contents of both structures were allegedly destroyed. An investigation showed that some lumber that was submitted as part of Frey’s complaint was for his business that he ran out of his home and was not covered under his homeowner’s policy. It is alleged that Frey submitted false information in an attempt to obtain claim proceeds to which he was not entitled.

Louise Robinson, 35, of the 2400 block of Noble St., West Lawn, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Robinson in August 2014 purchased an automobile insurance policy. Hours after obtaining the policy, Robinson filed a claim stating that her vehicle was vandalized. An investigation showed that Robinson’s vehicle was actually vandalized prior to Robinson obtaining the policy.

Justin Gorham, 21, of the 2400 block of North 5th St., Harrisburg, is charged with one count each of insurance fraud and criminal attempt to commit theft by deception. Gorham in September 2015 obtained a new automobile insurance policy. Hours after obtaining the policy, Gorham filed a claim stating he damaged his vehicle when he hit his neighbor’s fence and his home. An investigation revealed that the accident actually occurred prior to Gorham purchasing the policy.

Ian Markey, unknown age and address, is charged with two counts of insurance fraud and one count of criminal attempt to commit theft by deception. Markey in August 2014 purchased an automobile insurance policy. Days after obtaining the policy, Markey filed a claim in which he said his vehicle was damaged when he struck three to four raccoons on his way to work. An investigation revealed that the accident occurred prior to Markey obtaining the policy. Markey is currently a fugitive.

Andrew Schneller, 48, of the 200 block of W. Race St., Fleetwood, is charged with one count each of insurance fraud, criminal attempt to commit theft by deception and forgery. Schneller is accused of submitting altered or forged hotel receipts for hotel room stays following a pipe bursting in his home. Receipts were provided to Schneller's insurance company showing stays in various hotels in the Berks County area. An investigation revealed that multiple receipts had been forged. In fact, some of the receipts were for a hotel that did not exist, according to investigators.

Waleska Olivero, 41, of the 100 block of W. Jackson St., York, and Kristi McElderry, 49, of the 100 block of N. Market St., Mount Joy, are both charged with two counts of insurance fraud and one count each of criminal attempt to commit theft by deception and criminal conspiracy to commit theft by deception. Olivero and McElderry are accused of misrepresenting the time and date of an automobile accident in an attempt to obtain proceeds they were not entitled to. McElderry filed an insurance claim that stated she was involved in an accident with Olivero on her way to work. Olivero confirmed the details of this claim. According to investigators, an investigation revealed the accident had actually taken place prior to McElderry obtaining the automobile policy.

# # #

In 1990, the state legislature made insurance fraud a serious crime in Pennsylvania, punishable by heavy fines and stiff prison sentences.

In 1994, legislation was enacted in Pennsylvania establishing the Insurance Fraud Prevention Authority (IFPA) and a Fraud Trust Fund. All insurance companies authorized to transact business in Pennsylvania pay an annual assessment into the fund. The funds provide financial support to the Office of Attorney General's Insurance Fraud Section and other law enforcement agencies to support insurance fraud investigations and prosecutions.

Private citizens can report allegations of insurance fraud using an online form or by calling the IFPA's hotline at 1-888-565-IFPA (4372).

Consumers with a complaint involving an insurance company that does not involve fraud should contact the Pennsylvania Insurance Department at 1-877-881-6388 or the Attorney General's Bureau of Consumer Protection at 1-800-441-2555.

(A person charged with a crime is presumed innocent until proven guilty.)

# # #