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Are you required to fix the body damage after collecting the insurance settlement?
Updated: 9/11/2023
Usually "no," unless...
1. You have a lienholder/bank on the draft, at which point they'll probably want it repaired before endorsing the check.
2. The vehicle isn't roadworthy, which could cause problems if you have a state inspection for emissions, etc.
3. You're not okay with those damages being deducted dollar-for-dollar if you have another loss, or total the vehicle.
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