Contrary to most what most people believe, you actually do not have to use the check the insurance company sent you for the repairs to your car. It is really up to you to decide what to do with it. It may not be worth it to use the insurance check for the repairs if it will cost you more than anticipated.
If you car was damaged and you have a$1500 deductible and your repairs cost you $1300, it may not be worth it to repair the car. The insurance company will send you the check regardless. At this point it is up to you what you want to do with the check. It may be wise to use it to purchase a new car with the money the insurance company sent.
If you are uncertain about whether or not to get your car fixed, we suggest that you get an estimate for the repairs and try to find out how much you will get for your car before and after any damages are fixed.