UGH!!! Insurance Question

[GoldieSaysMeep]

You really work for an insurance company???

This in no way is insuance fraud. She deserves to be paid for her damages. If she chooses to fix her car fine but if not there is not a thing in the world wrong with keeping the money.

To OP just tell the claim rep you want a cash settlement. They will not give it a 2nd thought. They do it everyday.

I never said she was not entitled to her payment.

However, that payment is made for her to fix the damages to her car.

If she does not, that is fine. We can argue the definition of fraud all day long. HOWEVER, if she has a good claims adjuster the next time around, they will deduct the unfixed, or improperly fixed damage from her payment if there is another claim.

I have been working in this field for 6 years and I have never had anyone tell me they want "a cash settlement". If they did, I'd flag their account on our end and tell the person exactly what I just wrote above about future deductions. Then their accounts get watched like hawks to see if there are patterns. Often there are not, but sometimes there are.

I'm glad the OP is taking her car to a body shop so it can be repaired properly.