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Insurance Fraud

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My wife hit a low pole while pullingĀ  An RV Trailer. The pole Famaged our ACs and a few other items. We received an insurance claim award for the repair of the damages to our RV, from our RV insurance company. Is it an act of insurance fraud, in the State of Texas, if we do not use the full amount of/ or any of the insurance check to pay for the damages to our RV Trailer?

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