Legal Question in Insurance Law in Florida

Insurance claim

my car was stolen on 4/05 my insurance company closed the claim on 5/27 I was adviced by the isurance company that i may begin shopping for a new car they found the car with my lost spare key on 5/31 i had already lost interest in the car. they placed a stop payment on the checks that they had already sent out which were receieved by the finance company on the same day that they stop payment the check because the car had no damages. I had already signed over the car to the insurance company. they made me go pick up my car and pay 300.00 to get it out of the tow yard. My finance company adviced me that my last resort was a voluntary Repo which is what i have done. Now my credit will be ruined. Could the Insurance company have done this?

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