As mentioned I would have the frame inspected by someone with the “technical ability” to do so if you are concerned. I would think most insurance companies would have this inspection done before shelling out the cost of a new frame rather than “free bike day”. Insurance adjusters are well versed and have seen a lot regarding fraudulent claims, not a rabbit hole I would go down.

Personally I would just inspect it for cracks or damage. At the speed you stated, it’s likely it fine from what you described.

The truth will always set you free, pedal On!! .