Quote:
Originally Posted by NastyEllEssWon
they make the check out to you to cover the damages. ive always kept the check and fixed it with junkyard parts and kept the rest. ive heard of tons doing it this way too. i dont suppose its illegal, its your car, your money 
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My front bumber cover was damage by an idiot that couldn't park. When I got the check the body shop themselves told me to not bother fixing it since my chameleon paint couldn't be matched properly without painting the whole car. The insurance company would not cover a whole car repaint so the body shop told me to use the money towards something else. I checked with a lawyer and it is COMPLETELY LEGAL. The insurance company is paying you for a loss property due to damage. It is the recipients choice whether to repair/replace the property with money or not. That was straight from a lawyer that deals specifically with property loss insurance. Hope that helps you and anyone else that was wondering.