Woman Sentenced For Multiple Insurance Fraud Violations In Marin County: Prosecutor

MARIN COUNTY, CA — A 46-year-old woman from Marin County was sentenced Tuesday in Superior Court to 180 days in the Marin County Jail and could see additional prison time after pleading guilty to felony insurance fraud, prosecutors said.

Marilyn Gibson, 46, was charged with insurance fraud by the Marin County District Attorney’s office on February 13, 2025. On July 28, she pleaded guilty to filing a false insurance claim and admitted to prior fraud convictions, prosecutors said.

On September 15, 2021, Gibson rear-ended another car, significantly damaging her hood. The next day, she obtained an insurance policy without disclosing the accident, according to the Marin County DA's office.

Eight days later, Gibson filed a false claim under her new policy, stating her car was hit near Carlotta Circle in Strawberry by a hit-and-run driver. The claim was denied due to insufficient collision coverage, and the policy was later canceled for nonpayment, prosecutors said.

Six weeks later, on December 8, 2021, Gibson obtained a second insurance policy. A month later, on January 8, 2022, she submitted a false claim, asserting her parked car was struck by a hit-and-run driver, using the same damaged hood photos from her September 23, 2021, false claim, according to the Marin County DA's office.

A second insurer discovered Gibson made the same claim to a prior company. When confronted, she denied the first claim, insisting she bought the car in September 2021 with no prior accidents, prosecutors said. The DA’s Office filed charges after reviewing the case.

Following her Tuesday sentencing, Gibson was jailed for 180 days. Judge Kelly Simmons issued a three-year suspended prison sentence, contingent on Gibson successfully completing two years of supervised probation. Probation terms include a $1,000 fine, 40 hours of community service and a theft awareness class. Failure to comply will result in the prison sentence being served, according to the Marin County DA's office.

Reporting false information to an auto insurance carrier is fraud, a felony punishable by up to five years in prison and a $50,000 fine, even if no money is obtained, prosecutors said.