Can you keep money in an auto insurance claim?
If the insurance check is paid out in your name, the insurance company cannot do anything if you decide to cash out instead of spend on the medical or repair costs. However you may have regrets with this decision.
For instance, the damage may appear to be on the exterior but really have a much more serious problem unseen. Are you willing to risk this? At the very least, you should have the car inspected by a professional repair shop.
At the same time, there are cases when the problem comes out a few days or weeks after the accident. Without proof of repairs done after payment, you won’t be able to file a second claim and be approved.