If an insurance payout is more than you expect, do you have to repay it?

Question

I was sent 2 separate checks.

Answer 1

Whatever amount you agreed on is what the check should be for...if you got more (2 checks) they will probably want one back.

Answer 2

they may have had to seperate policies maybe a smaller one that you didn't know about. I would cash the check that you know abuot and hold the other for a little while .

Answer 3

You don't say what kind of insurance payment it is.

Is it a life insurance, car insurance, home or what?

There could be some explanations; such as interest, accidental death,  additional damage that was overlooked, etc.

It's hard to answer a question when there is not much info to go on.