Kentucky PIP Question

I was in an accident earlier this year. ER bill for passenger 1 was 22,000. ER bill for passenger 2 was 17,000. Passenger 3 was taken to different hospital and er bill was 5,000. I submitted er bills to car ins company and asked to self direct pip and receive check for $24,000.

Passenger 1 hospital bill settled for 1,900.00
Passenger 2 hospital bill settled for 1,100.00
Passenger 3 hospital bill settled for 1,100.00

Is this overage i received of $20,100 due back to insurance company or is it like getting a quote for body work on vehicle and then getting work done for less or not at all?

Thanks