Can You Keep Auto Insurance Claim Money? 
Here is the thing . Insurance claim settlements are intended to pay for the repair of damage caused by a covered loss under the provisions of a policy contract , in this case an car insurance policy . If one receives a settlement and then chooses , for whatever reason not to repair the damage , I have not seen a case where an insurance company is going to be looking for it 's money back . Keep in mind acouple of things , however . If you have a lien or lease on your car , the check will be made payable to BOTH you and the financial institution and they will need to have the car repaired as a condition of your agreement with them . Also , if you happen to have another incident that further damages the same car parts that were damaged previously , the claims professional will be able to tell the older damage from the more recent and will NOT include an amount needed to repair both . 