Of course, it's never really found. It just comes from something you forgot.
Anyway, back before I bought my current car, I got rear-ended at a stoplight by a woman in an SUV who was paying attention to something other than, say, the car in front of her. (This is not a surprise. I've been in 15 or so accidents, probably 12 not my fault. Crash magnet.) Anyway, it was one of those smaller things, so I get out, we exchange information, I don't call the police (because it was minor), and we move on.
I get my car fixed, paying the deductible, of course, and I suppose I filled out all that other stuff. Anyway, I got it fixed at Penske Chevrolet. I bought my current car at Penske Honda.
I get an envelope in the mail from Penske today. Hmm, wonder what they want? Probably want me to come in for my 7500-mile checkup. (It's time.) Nope. It's from Penske Chevrolet.
It's my deductible.
Ha ha! I win again! (The last time, it was a lying ... um, can't use that word here. Anyway, it was a woman who ran a stoplight by about five seconds, sideswiped me, and then tried to claim that it was my fault, with her husband happily lying on her behalf. Fortunately, a witness saw the whole thing and came right up and said so - bless her heart - and I got my deductible back on that one too.)
So you see, free money. Of course, I already paid it, so I'm just getting it back, but still ... I have the feeling I will need some extra cash soon.