A friend of mine is currently working on a novel. He's got some of it based in America. His editor knows America, but he will call me anytime he is stuck on a point that he thinks mightn't be right. "Would they say this in America?", he'll ask, checking on some slang. At one point in the novel, he has the characters doing something a wee bit complicated that involves the government. He called to check some of the details with me. I said to him the same thing - this is fiction, you have some creative license. But rather than get details wrong, which would and does annoy readers who are in the know, I suggested that he doesn't have to explain every minute aspect of how a particular thing happened (in this case it wasn't totally relevant to know). That's where he was getting hung up on. I said, you're the author - you can give them whatever you want! But we researched the aspect he was looking the details on anyway, to be sure. In the end, he found a way around it, but I do think it's worthwhile taking the time - if your novel is reality based - to do some fact checking. It helps keep the story believable, which is, afterall, what you want.