State investigators have arrested two men accused of selling fraudulent commercial insurance policies to tow-truck operators in Miami-Dade County, according to the Florida Department of Financial Services.
The agency’s Criminal Investigation Division announced that 24 tow-truck insurance policies were issued using falsified or inaccurate information to meet Florida’s required coverage limits. Officials said vehicle owners believed they were purchasing legitimate insurance coverage.
One of the suspects, Aliba Lamas Alvarez, is not licensed to sell insurance in Florida, investigators said. Authorities also reported that he is in the country without legal status. Lamas Alvarez was arrested on Feb. 5, 2026, in Miami-Dade County and faces charges including acting as an insurance agent without a license, participating in an organized scheme to defraud, and forgery.
The second suspect, Javier Gonzalez Jr., is a licensed insurance agent. He was also arrested Feb. 5 and is charged with filing false and fraudulent insurance documents and participating in an organized scheme to defraud.
The case will be prosecuted by the Miami-Dade State Attorney’s Office.
State officials are urging anyone with information related to insurance fraud to report it through the state’s fraud reporting system.
