Location: Illinois
She had some mice eat through the firewall and nest in her dash. Repair costs started at $1.2k, her old plan deductible was 2k.
She decided not to pay out of pocket, and also decided not to submit the claim on her old plan. Instead she changed to a $100 deductible plan, and called the insurance company about repairs a few days later.
Today she received an email assuredly from their fraud department requesting a recorded interview.
She asked for my help, but I'm no position to give advice as I know nothing about this stuff. Seems to me that she can cooperate, be transparent, and hope for clemency. Or lawyer up (which we can't afford).