Last sunday FI and I were rear ended pretty hard while stopped during traffic. Luckily, no one was hurt and the damage done to my car is minimal. Also of importance: at this stage in my car's life, it's a beater. It's got dents, scratches and peeling paint in various places.
FI thinks I should take the car for an estimate, collect a check from the at fault party's insurance company and yay, have spending money. To me, that just screams scam and absolutely the wrong thing to do. Especially if the at fault insurance company sends out an adjustor........aren't they going to know that I have no intention of getting the repair? I dunno. FI won't get off my back about it and other than I feel like it's the wrong thing to do, I don't have any other explanation. Does anyone know if legally doing that would be considered fraud? Or any reasons why I should listen to FI? Or am I right here? Thanks!