If you totalled your car and are afraid any error was made, bank the excess amount and get a little interest, because if the insurer has made an error, you can return the excess amount and still have a bit of interest.

But, since paying out claims is what insurance companies hate the most, they use a list of factors to estimate the value of your vehicle. If your vehicle was over 25 years old and in working condition and you carried the 15% premium for a "classic car" then, your car would be paid out at a much higher rate.

Otherwise, your 25 year old car might net you less than $200.00. It also depends if you are carrying comp and collision on the vehicle.

I don't see how a company can overpay you, since they have computer programs and thinktanks constantly revising and updating what they are willing to pay you, but for argument's sake, let's say it did happen. I would return the money provided I, too, had access to what their conditions for payouts are.

my car was totalled, but i did not total it, per-se.

they paid for the car - but my physical injuries far exceeded the money i received.

so i guess, i can say "yeah".