Fraud is so out of control, that they have to investigate certain claims. During the claims process, companies have their set of “red flags” that triggers further investigation. As long as you have nothing to hide, you shouldn’t worry about it too much.
They may ask for things such as:
-proof of residency
-receipt from last oil change
-etc., etc., etc.
Sometimes innocent minor things can trigger a red flag, and it ends up being no big deal. Other times, fraud is suspected. And sometimes, a high dollar amount of loss can trigger an investigation simply for due diligence.
So don’t sweat it. If you have nothing to hide, give them what they want and you should be fine.