f an insurance company sends me a check under my name, can I cash it and keep the money? The repairs needed for my car are only cosmetic. My car is old and has several other cosmetic problems already. No lein attached to the title, I own my vehicle.
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Your check use for whatever
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if there was a loan on it then yes, but if you own it then no.
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Yes. It’s probably cheaper to fix them you think. But I fix my own vehicle. Rock auto is great for parts.
Do what you want with it 
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Wouldn’t keeping it with no intention on fixing your car be insurance fraud
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Get it fixed. Car will look better. If you have it done it should cost less that the check.
As long as the check is in your name and there’s no loan on it you can use it any way you want
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Insurance agent here! As long as the car is paid in full you can do whatever you want with the money. Keep in mind if you have another claim in the future, the old damage will not be covered.
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Nope. Do what you please with it
No you can cash it and spend it freely as you please otherwise they wldve sent it to your lien holder. It’s yours to decide
You can use it at anyway you want it
You can as long as you don’t owe for the car.
If it’s only cosmetic, there’s no loan, and the car is running safely keep the money.
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Our car was totalled for hail damage all cosmetic. Insurance paid the rest of our loan. We took the salvage title and kept the car.
As long as there is no loan on the car use the money any way you want too
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Insurance typically pays you less than what it would cost to fix the vehicle. If you can still use the car and you’re okay with the cosmetic damage you can cash the check. If you are not okay with the damage and/or need to have it repaired you need to take it to get it fixed. Don’t cash the check until you know for sure because once you do the insurance company is no longer responsible for repairs on your vehicle because you “accepted” their terms when you cashed the check basically saying the amount they paid for the repairs was enough. This varies from state to state and company to company, but the general rule of thumb is to have it looked at first before doing the repairs.
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You can do what ever you want with it