<prompt> Human: Quick question:I was in a car accident a couple months ago. I visited the ER to get checked out after. My insurance company covered my medical bills.It was decided the other driver was at fault and her insurance company paid for my totaled vehicle.I was prompted to pursue them for pain and suffering so I filed a claim and her insurance decided to settle for a minimal amount fine with me, I am totally fine but they also sent me the amount of my medical bills. My insurance had asked that if her company pays me for the medical bills they would ask I reimburse my company. Her company has sent me a personal check for the whole amount.I dont want to be sneaky or greedy, but do I, and why do I, have to reimburse my own insurance company? Dont I pay them to protect me already?Any advice appreciated! Thanksedit: formatting  <response>: Because insurance fraud is a felony and you dont want to go to prison. 