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QUESTION: There was a property damage accident to our classic car, the party at fault insurance paid out, and was not enough to fix the car, so our insurance sent us a check. We were never told we could take one and not the other. Now 3 years later we got a letter from our insurance saying we have to pay the amount to them which the other insurance paid us-because they settled and the amount of 3kas subtracted from the settlement. If we do not pay within 10 days.