In the front matter of most novels, there’s a statement such as the following:
This book is a work of fiction. All names, characters, places, and incidents are either the product of the author’s imagination or are used fictitiously. Any resemblance to actual persons, living or dead, business establishments, events, or locales is purely coincidental.
You’ve probably seen it so often you take it for granted and don’t think much about it.
Yet, I’ve discovered it’s difficult to write a fictional story that doesn’t make some reference to real-life people, places, and brands. I’ve already received questions such as, “Is [some character] based on [some real person]?” or “Is [some scene] autobiographical? Did that actually happen to you?”