If the insurance check is written for more than the cost of repairs, you should notify your insurance company about the error. If the insurance company finds out that they have overpaid you without you telling them, they could sue you for insurance fraud. It is better to notify them once you find out that you have been overpaid. In some cases, the insurance company may let you keep the excess money for future damages. To ensure that the check is not more than the repair, consult with your automobile mechanic to confirm that all damage to your vehicle has been fixed. If you have confirmed the repairs and are left with the excess insurance money, make sure to inform your insurance company.