At what point do I need a lawyer, if an auto insurance claim that has been filed is being investigated?
You should get an attorney now, for two reasons:1) It appears that the insurer has doubts about your claim. An attorney will help you negotiate with them and, if necessary, can sue them under the policy for the coverage you paid for and deserve. A lawyer will increase you odds of being paid.2) Whether you committed a crime or not, it seems that the insurer may think that you have. It's pretty easy for innocent answers to trip you up, especially if you and your husband agree to be questioned separately and your answers simply don't quite match (which can happen: you don't remember things quite the same way, you describe the same event differently, etc.). A lawyer can advise you of your rights, sit in on any questions, and help you protect your interests. Remember: while the insurer is not the police, anything you say to them could be shared with the police; you want to make sure you  treat this as a "pre-criminal" investigation.