insurance wrecked cars for sale

3 months ago i financed a car wreck a couple of days, so ia have not had the car for a long time?
I spoke with the insurance to resolve can claim for what they are going to pay for the car. In the sales contract to read if you pay the car before he left for a per cent. He is still chargeing me the word can do that? If anyone has any advice in Finace, insurance settlements, anything to do with this, let me know, because I think im getting ran over thank you all for the help!
Never heard of "if I pay the car before, they take a percentage off. Generally, "no prepayment penalty, meaning if you pay the car before, do not keep paying the interest for the unused portion of the loan. I pull the loan documents and reread it. And thanks to the return on the car is low enough to be covered by insurance payments.