Take the cash. Skip the repair.
Here’s something the insurance company won’t volunteer: you often don’t have to fix your car at all. You can take the cash settlement instead — and keep it. As long as no lender has to be paid first, it’s your call, not theirs.
Real result
The paid-off Mercedes
A driver with a paid-off Mercedes got hit by someone else. She could have handed her car over for months of repairs — instead she chose to cash out. We negotiated the settlement, and she walked away with the money in hand, on her terms.
Restrictions apply.If someone else hit you, you’re good. If you’re on your own insurance, the car needs to be paid off (no loan or lease) — otherwise the lender gets paid first. We confirm eligibility case-by-case.