If your stolen car is found after an insurance payout, the insurance company typically retains ownership of the vehicle. They may sell it to recover losses or scrap it if in poor condition. The settlement you received is usually final, with no additional payouts, but there may be other considerations depending on the car's condition and your policy terms. https://carinsurance-blog.net/what-happens-if-stolen-car-is-found-after-insurance-payout/