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This depends on what type of settlement you took for the damage.

If the insurer is paying then they only are required to pay the actual invoice.

If you took a "settlement" and did some of the repairs yourself and had some done for less than the estimated amount you get to keep the overage.

It is important that both you and the insurance company agree what is going on!They can claim fraud if this is done wrong
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Q: What if your car repairs are cheaper than what your insurance company estimates do you have to return the money?
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