Repayment of compensation already received?

Hello together… I’m not sure if the question has not already been settled somewhere…that’s why the most important thing here is again very quickly. I had a hail damage on 19.06. which is acted by the expert as total damage with gross 7869 gross. WBW would be gross 7500 and they offered to transfer 3900 to me…it was there additionally: The holder wants to calculate fictitiously (although that was not really in the room) I probably made the mistake as totally inexperienced and Now I really read into the matter and assume very strongly that I will never get there with 3900 private…especially since the car has to be paid off for 6 years. My question would therefore be very urgent…and if it is possible very quickly:Can I pay back the 3900 and have the car repaired instead, so that it does not have this loss? The dent doctor gives a paint guarantee and so on… Thank you very much for a good answer MfG