I have had vehicles damaged by hail where the insurance company allowed me the choice of writing the vehicle off and receiving $11000 or having the vehicle repaired or receiving $5500 cash and keeping the vehicle. I took the cash and gave the damaged vehicle to my daughter. I think she could have sold it for $9k if she had wanted to but she is still driving it without having done anything to repair it. I did the same thing with a hail damaged truck. I gave the truck to my son in law. Then he hit a deer with it snd his insurance company gave him $5k and let him keep the truck. He replaced the grill, bumper and lights for a cost of a few hundred dollars and after having it pass an inspection it is back on the road again.