If your insurance company owes you money from a claim, you are entitled to that money. However, some people choose to keep the extra money instead of returning it to the company. While this may seem like a good idea at the time, there can be consequences for keeping this extra money.
Depending on your policy, your insurer may investigate why you are owed this extra money and may decide that you were not truthful about the damages. This could lead to your policy being canceled or non-renewed. In some cases, you could also be charged with fraud.
It is always best to be honest with your insurance company and return any extra money that you are owed from a claim. This will help to avoid any problems down the road and will ensure that you are able to keep your coverage in place.