Can You Keep Insurance Money From Car Accident? 
Your not supposed to keep the money the insurance company paid out for a repair . In most cases the insurance company will write a check either directly to the body shop or to both parties to guarantee the repairs are done . If the claim is minor the Insurance company may write a check directly to the insurance who then has the car repaired . If you chose not to repair the damages and keep the money I can pretty much guarantee if the damage occurs again in the same area you will be denied coverage for not fixing the damage in the first place . The insurance company will say the damage was pre-existing . 