ANSWERS: 3
  • Sure, go ahead and do whatever your insurance company says -- get estimates, etc. But, when their company pays you, they'll give you the check, made out to you. You can cash it and spend it on whatever you want (unless there's a lien on your car). You don't have to get the car fixed.
  • Yes, the money is for the damages to property...how you use it is your choice.
  • If it's your car that got rear ended and the other driver's insurance company agrees that it's their client's fault then they'll send you a check for the estimated cost of repairs. I.e., you'll get the check without ever having to get your car fixed and you can do what you want with the check. However, if the damage to your car includes anything that's necessary for the safe operation of it and you don't get that repaired then you could get cited for a mechanical violation later on. I had one last year and it the violation itself cost $15.

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