Fender bender..can the insurance company just give me a check to cash?

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Some guy hit my truck yesterday while I was in my office working.  A slight fender bender… not my fault at all.  I wasnt even in the car.  I got the guy’s insurance information and everything, and even got an estimate… but I don’t really care about getting the car fixed.  I could care less if I have some slight damage to the back of the truck.

My question is.. when the auto insurance company cuts me a check for the damage, am I actually obligated to get it fixed? I would rather just use the money for more important things.

Answer 1

Yes.. you can cash the check and do what you want with the money.

However, if you get in another accident (god forbid), you won’t get full value for repairs because you will already have pre-existing damages on the car.

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