For Immediate Release
August 24, 2012
Catherine L. Bernhard, Senior Assistant Attorney General
NH Insurance Department, Fraud Prosecutor
(603) 271-2898 or (603) 271-7973 x 235
Attorney General Michael A. Delaney and Insurance Commissioner Roger A. Sevigny announce that Daniel F. Ledoux of Boscawen, N.H. has pleaded guilty in Merrimack County Superior Court to a Class A misdemeanor insurance application fraud. Under the terms of the plea, Mr. Ledoux must make restitution of $1,017.00 to 21st Century Insurance and Financial Services, ("21st Century"). Mr. Ledoux also received a 12 month House of Corrections sentence and a $1,000.00 fine, both of which were suspended on good behavior for two years.
21st Century referred the case to the NH Insurance Department Fraud Unit as required by RSA 417:28. According to the investigation, Mr. Ledoux purchased a 2004 Dodge Ram from his son in early July of 2010. Mr. Ledoux insured the truck with 21st Century. When completing the written application, Mr. Ledoux failed to tell 21st Century that the truck had extensive front end damage which was the result of an accident on June 2, 2010. Mr. Ledoux's son had been driving the truck at the time, and no repairs were made before Mr. Ledoux purchased it. The damage from the June accident was so extensive that the truck had been declared a total loss. The application fraud occurred on July 7, 2010, when Mr. Ledoux completed the application for insurance for the truck asserting that it had "no unrepaired damaged that might impact its safe operation." A subsequent physical examination of the truck and photographs from the June 2, 2010 accident scene confirmed that the damage existed at the time Mr. Ledoux signed the application. The truck could not have been safely operated when application for insurance was made.
The prosecution was a collaboration between the NH Attorney General's Office and the NH Insurance Department Fraud Unit. The Fraud Unit was formed under RSA Chapter 417 to investigate and prosecute insurance fraud and other insurance related criminal activity with the assistance of the NH Department of Justice. All insurers are required to report suspected insurance fraud to the NH Insurance Department Fraud Unit pursuant to RSA 417: 28.
New Hampshire Department of Justice | 33 Capitol Street | Concord, NH | 03301