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It usually doesn't matter to the insurance company, you pay your premiums so you can get the check from them, if you dont fix your car it makes no difference to them, you may just be without a working vehicle.

I disagree with the above...reason being the motor insurance contract is a contract of indemnity. Unless you declare it a total loss, one needs to get the car repaired. The insurers usually do not settle a claim without repairs being done and if they have pre-authorised repairs and given some advance, then in the normal course it would be considered as fraud as the obligation to make the car back to original state is not accomplished.....

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Q: If you dont use insurance claim money to fix your car is that insurance fraud?
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