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Charlotte Resident Charged with Felony Insurance Fraud, Faces Court Date in Mecklenburg County

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Published on September 11, 2025
Charlotte Resident Charged with Felony Insurance Fraud, Faces Court Date in Mecklenburg CountySource: Unsplash/ Sasun Bughdaryan

Charlotte's own Joyce Elaine Hawkes, aged 55, has found herself in a legal entanglement after being charged with felony insurance fraud. The accusation, handed down by North Carolina Insurance Commissioner Mike Causey, hinges on Hawkes allegedly doctoring invoices, an effort to unjustly draw funds from her pet insurance policy with Healthy Paws Pet Insurance, according to the North Carolina Department of Insurance (NCDOI).

The seeming betrayal of trust did not span over years but was pinpointed to a specific date: December 11, 2024. Despite being a scheme tied to dealings with an insurance policy, the revelation of the incident only came to the surface recently. Hawkes, according to the press release from the NCDOI, was served a criminal summons on August 18 and faces the impending reality of her court date on September 19 at the Mecklenburg County District Court.

Commissioner Causey took a hard stance on the situation, underscoring the wider impact of insurance fraud by stating, "Insurance fraud hurts all North Carolinians." He articulated the reach of such crimes, explaining how they "can often touch many types of different situations." Causey’s fight against these illegal acts isn’t just with words; he is spearheading efforts to tackle and prosecute fraudulent activities, as detailed on the NCDOI website.

When the case is heard on September 19, Commissioner Causey said the outcome will depend entirely on Hawkes, who is responsible for her own fate.