If you bring a fraudulent auto accident claim and it gets flagged for SIU investigation, I would strongly advise you to drop your claim and go away as quickly and quietly as you can. If the SIU investigation uncovers evidence, you could end up facing criminal charges for fraud. Not to mention the fact that you are hurting a lot of innocent victims who have legitimate claims. If you have a legitimate claim and it comes under SIU investigation, you should retain a lawyer right away. Even if the SIU investigation uncovers no evidence of fraud, it is highly unlikely that the insurance company will settle your claim out of court. They will almost certainly take the case to trial in the hopes that the jury will have the suspicions that prompted the SIU investigation. As long as your claim is legit and you are totally honest, you should still win at trial more often than not.