A Spring Valley insurance agent has been accused of pocketing premiums from property owners without providing coverage, the Rockland County District Attorney's office said Tuesday.

Linwood Carter, 54, who owns the Carter Insurance Agency in Spring Valley, was arraigned Tuesday in Spring Valley Village Court on one count of third-degree grand larceny, a felony, according to a statement.

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A conviction would carry a maximum sentence of seven years in prison.

The agent, a White Plains resident, received more than $18,000 in premiums between January 2007 and April 2010 from a property owner who believed several rental units were insured.

The scam unraveled in 2010, when the property owner was sued after an accident at one of the locations. The owner contacted his supposed insurance carrier and discovered he had no policy.

Carter, who was released on his own recognizance, was arrested after an investigation by the Rockland County Special Investigations Unit and the New York State Insurance Department.

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He is scheduled to return to court on Jan. 23. Efforts to reach Carter by phone were unsuccessful.