Case law permits the insurance company to seek reimbursement for insurance paid to a victim. It is suggested that you retain a criminal defense attorney to represent you. There are many options tat must be explored including a first time offenders program if you qualify.
I believe you have previously posted a question. For a first time offender, unless the evidence is overwhelmingly clear that a defendant will be found not guilty, I recommend ARD. The facts that you describe call for a credibility determination which isn't the best kind of case to challenge.
The fact pattern sounds odd. You should not post anymore information on line and expect a criminal complaint to be fed. You should hire an experienced criminal defense attorney to represent you. Good luck.
It's not likely but from your question it appears you may want to take a risk. I advise that you stop posting on a public site and that you follow every rule of the program and get through it without any issues. Good luck.