A Charlotte woman is facing an insurance fraud charge after North Carolina Insurance Commissioner Mike Causey says she submitted altered medical records to collect on disability claims involving herself and her children. Her name is Remonica Corlishia Earl, and she’s 48.
Causey announced Earl’s arrest on September 9, 2026. She’s charged with insurance fraud.
What She’s Accused Of
According to the arrest warrant, Earl submitted false and misleading information to UNUM Insurance Co. in connection with five separate accidental and disability insurance claims involving herself and her children.
Special agents with the Department of Insurance’s Criminal Investigations Division accuse Earl of submitting altered medical records from Atrium Health and OrthoCarolina, both well-known healthcare providers in the Charlotte area. The alterations reportedly included using incorrect addresses, listing a doctor who wasn’t actually a provider at the facility in question, and indicating that a doctor had treated her or her children on dates when no such treatment actually happened.
That’s a pretty specific set of details to fabricate across five claims, suggesting this wasn’t a one-time slip-up but something done repeatedly.
The Money Involved
According to investigators, Earl received $6,980 in insurance payments tied to the five fraudulent claims. The alleged offenses occurred on May 1, 2025.
Why Medical Record Fraud Is Taken Seriously
Cases involving altered medical records tend to draw particular scrutiny, since disability and accidental injury insurance claims are usually paid out based largely on trust in the documentation provided. When someone submits records that look legitimate but contain fabricated details, like listing a doctor who never actually treated the patient, it undermines the whole system insurers rely on to verify claims quickly.
The Bigger Picture
Commissioner Causey has repeatedly pointed out that fraud costs everyone money in the long run. He’s noted that around 20 cents of every insurance premium dollar goes toward covering fraud losses, which is part of why his office continues pursuing these cases even when the dollar amounts involved, like the $6,980 here, are relatively modest compared to some larger schemes.
Where the Case Stands
Right now, the charge against Earl remains an allegation, and she’s presumed innocent unless proven guilty in court. No court date had been publicly listed at the time this case was announced.
Anyone who suspects insurance fraud or other white-collar crime can report it anonymously to the N.C. Department of Insurance Criminal Investigations Division at 919-807-6840, or toll free from anywhere in North Carolina at 888-680-7684.