<prompt> Human: Hi! I am a college student that was in an injury and total loss car wreck in early February. I was the victim of the wreck and subjugated my claim to my insurance company. After a grueling process, I was paid for the value of my car via direct deposit to my bank account. Two weeks later, I received a midnight deposit of an extra 1,000 from my insurance company. I thought it was strange, but I assumed that it must have been payment for my pain and suffering for the medical damages I had suffered. I happily spent my 1,000 on rent and college expenses. Fast forward two weeks later: suddenly, I am receiving calls from my insurance company telling me that I have to return the 1,000 as they had mistakenly paid my deductible despite the fact the other insurance company already had.They have told me I have to pay it back in 3 payments dealing with them directly or I can pay in a longer payment period dealing with a collections agency. This is really not fair and not my fault. Is there anything I can do to get out of paying this back or having my account sent to collections?  <response>: Not really. You gotta pay them back. Why would you spend the money before verifying what it was? 