<prompt> Human: Another driver backed into my car, causing damage to my liftgate. I took it to my trusted repair shop, and estimate to repair the damage is 575. Since this was over his deductible, the other driver submitted to his insurance. I went to his insurances adjuster, and he cut me a check in my name only for 900. I didnt mention to him at the time that I already had an estimate in-hand. Do I get to keep the leftover funds? Or do I need to return it to the insurance company?If it matters, I live in Indiana.  <response>: Insurance payments are to make you whole. The money is yours. 