My Fiancée was in an accident where the other driver was 100% at fault, and we had a witness come forward to support our claim.
We filed a claim with our insurance, paid our deductible and had the car fixed; our insurance told us they would be pursuing payment from the other driver's insurance, and if they were successful we would be refunded our deductible.
A few weeks later, I received a sizeable check in the mail from the other driver's insurance, listing me as the claimant.
- Is this a settlement check?
- Is this owed to our insurance company, who paid the damages up front, or is this a check owed to us?
- Basically, I'm wondering if this is our money to use, or if this is a check that should have gone to our insurance company; it seemed odd that the check would be issued to me when my insurance company is who was dealing with the other driver's insurance.
- I'm worried we'll cash the check, and our insurance will come looking for it.
Thank you for your help!