“It always catches up with you”: Gainesville woman arrested for over $10k in insurance fraud

Staff report

GAINESVILLE, Fla. – Chloe English Dunnell, 36, was arrested on Friday on two felony charges related to allegedly filing fraudulent insurance claims, resulting in a loss to the insurance company of over $10,000.

Dunnell allegedly made accidental injury claims between April 2023 and July 2024, claiming that she and her children had been treated in emergency rooms on 27 different occasions over that time period.

The claims included fraudulent medical records for seven accidental injuries or falls, seven animal bites, three bee or wasp stings, two incidents of fingers caught in doors, two injuries from moving furniture, and five injuries from car accidents.

An investigator contacted the emergency rooms corresponding to each incident, and the healthcare facilities reported that they had no medical records for the treatment dates.

Dunnell also allegedly provided a police report from one of the car accidents, but the report number belonged to an accident on a different date with different parties.

In a recorded interview, Dunnell reportedly admitted to submitting the claims and receiving compensation for the treatments. She reportedly did not dispute that specific claims were fake, but “she did not recall making that many claims.” She said she stopped submitting the claims after July 2024 because her employer switched insurance companies. She reportedly said she found people online to alter the documents she submitted, but she said she did not know those people. She reportedly said, “I did it and I was wrong… It always catches up with you.”

Dunnell reportedly received $10,835 from her insurance company for the fraudulent claims.

Dunnell has been charged with insurance fraud under $20,000 and engaging in a scheme to defraud. Bail was set at $1,000 by Judge David Kreider when he issued her warrant.

Articles about arrests are based on reports from law enforcement agencies. The charges listed are taken from the arrest report and/or court records and are only accusations. All suspects are innocent until proven guilty in a court of law.