I was recently in an accident and found not at fault, so I'm insurance company issued a reimbursement of $1,000. My claims rep was insanely mixed up. Kept sending me info regarding other people's cases, which turned out to be an absolute rollercoaster of emotions.

Anyway, they finally issued a reimbursement via a digital link sent to my email. The funds have transferred already. Then I check my mail and also have a $1,000 check from them.

Do I attempt to deposit that check? Is that fraud? If the claims rep is super mixed up, will it get caught? I have zero ethical dilemmas here since I live in Detroit, Michigan, where insurance rates are the highest in the country. I lost a LOT of income to the repair process. I could really use that extra grand.

But I obviously don't want to risk much. Any advice?