Fixing a car with insurance money depends on a few things. If you are At Fault and file an insurance claim, it is likely your premiums will be higher for the next few years. The severity of the damage may determine your decision. If it is a small issue, or one that does not affect the performance of the vehicle, it may be one that you just decide to live with. Also, if your deductible is high or the cost of the repairs is low, it may not be cost effective to use insurance money. An older model may not be monetarily worth fixing if it is a small issue either.
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