This sounds a little sarcastic. I only mentioned it because its not illegal because you are not misrepresenting anything to the insurance company and his rates won't go up because it should be covered under the other guys insurance. The other guy's GF should be more careful. Simple as that. This is even the case with normal accidents. I had an issue with my last car when broke a tail light and cracked a bumper. State Farm sent out an adjuster, and came up with a number of $1600 damage. I called and talked to the rep about what I was required to do and what I could do with the money and basically asked if I had to get it fixed. They said no, it not thier responsibility to fix the car, only to pay me what I was due for my loss and document it so if there was another claim on my car and I didn't have it fixed, they would not pay for the same damage twice, which would be fraud. He told me that I could even tell them I was going to take the money pocket it, so long as I was satisfied with the compensation for my loss. They then cut me a check for the estimate minus the $500 deductable. I then went to a good friend who fixed it for $850. I actually pocketed $250 and both I and the insurance company were happy. It wasn't fraud because it was $1600 damage if I brought it to the dealer's body shop. If I recall though, If the car is less than 5 years old and there is a lean on it, you need to have it fixed and have proof. Don't quote me on that though.
