<prompt> Human: Hi... Im in an interesting situation here. Hoping someone could help me out.I was rear ended two-weeks ago, and the other party was found to be 100 at fault. As Ive never been in an accident before, I figured Id contact my insurance and theyd handle everything without me paying anything, as the other party was at fault. They explained that my deductible would still apply, and theyd go after the other party to attempt to reimburse me. I have a 1000 deductible. So paying that out of pocket, for an accident I didnt cause, seemed a little off to me. They explained that I could still have them come out and look at the car, but advised to go through the other partys insurance directly... as I wouldnt have to pay my deductible. They come out and estimated 775 worth of damage.Fast forward a week, and the other partys insurance came out. They estimated that the damages were around 225. They explained to me on the phone, that when I bring it to get the repairs done, the shop and request a subsidized payment for any additional work... The problem Im having with this, is that I wasnt actually planning on getting the repairs. It was a minor ding that cracked the plastic under my bumper, barely noticeable. I was planning on simply keeping the money, and using it for the holidays. Could I simply go to a auto-body shop, and request that they estimate the damages? Would the other insurance simply come out, inspect it, and send me the remaining amount? Or is there any way for that to even happen?It seems off that the estimates were that much different. Almost as if the other partys insurance completely missed something.  <response>: Maybe get 2 or 3 quotes and send them over, and tell them youd really prefer to paid up front. See how they respond. 