State laws can differ but typically if you are able to get repairs done for an amount less than the insurance adjuster determined, you are able to keep the difference. If the costs of repairs are a lot less than what the insurance company cut the repair settlement check for you might contact your insurance agent to make sure the check was made out properly according to their calculations.

If the check was inaccurately calculated the insurance company might find this out during an audit and request money back. You can check with the consumer division of your state's insurance regulator to find out for certain what your rights are in a situation such as this.

Our Learning Center has many articles about how to settle a claim that may be helpful to you.