Allegedly impersonating his deceased mom to get a break on renters' insurance, and filing two separate insurance claims for the same stolen items, might lead to a lengthy sentence for a Carteret man.

Nicholas Schneiderman (NJ Atty. General's Office)

Nicholas M. Schneiderman, 43, faces second- and third-degree counts of insurance fraud, third-degree charges of theft by deception and attempted theft by deception, and fourh-degree impersonation, according to the office of New Jersey Attorney General Christopher S. Porrino.

Conviction on a second-degree charge carries a possible five-to-10-year prison term, plus fines up to $150,000. Third-degree charges are punishable by three-to-five-year terms and fines up to $15,000. Fourth-degree charges can mean sentences up to 18 months and $10,000 fines.

Investigators allege that Schneiderman impersonated his mother during a June 2012 phone conversation with a Hartford Insurance Company agent, in which authorities said he transferred her low-rate, high-limit AARP renters' insurance from her apartment to his, and added his name to the policy as her husband.

Additionally, investigators claim,. Schneiderman filed multiple claims for jewelry and other items that he said were stolen from his car when he left his house during the Superstorm in 2012.

Authorities accuse Schneiderman collecting more than $6,000 from Hartford for a laptop, an 18-karat gold chain, and diamond earrings - then filed an identical claim with Amercian Banker's Insurance of Florida, which was denied.

Charges are accusations. Defendants are presumed innocent unless, and until, found guilty in a court of law.

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