Finally after 6 months of supplements after supplements, Geico deemed the vehicle a total loss and is moving forward with it. Now for every supplement that was approved, I paid out of pocket, sent invoices over to ada and payment was sent over to me. Now with total loss, Ada said I will have to send back the payments that was made to me. I still have invoices and proofs that I paid.

Vehicle is on a auto loan and I have gap coverages

Do I really have to pay back?