Can I get cash instead of repairs for my auto insurance claim?
The damage to the car is from hail and I've already received an appraisal but I would like to know if I can get a check from my insurance company instead of getting the repairs done. Basically, do I have to spend the money on repairs or can I keep it?
as long as you don't have a loan on the car, you can cash the check and walk away - however, the insurance company doesn't have to give you comprehensive coverage any more, if you don't get the damage fixed - ie, they can cancel the collision & comp section of your policy.
If you have a loan on the car, the bank isn't going to sign off on the check until after the car is fixed, so you won't be able to keep the money.
