You need to clear up any confusion about what happened. As you have probably already been advised by your insurance carrier, insurance fraud is a felony in Georgia. As such, you not only need to explain what really happened but you're going to need to have a cogent explanation for why you lied in the first place. Your differing stories cause suspicion that something more "sinister" really took place. Make sure you take a witness with you for any future meetings. You have an obligation as an insured to cooperate with your carrier in their investigation. The witness, however, is to help you keep track of what was said in the event thay they deny your claim. You may end up needing to make a claim against them for bad faith if they deny your claim.
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