<prompt> Human: This question probably gets asked sometimes, so I apologize if this is redundant.A gnarly hailstorm caused some cosmetic damage to my car. I just went to an insurance adjuster and ended up receiving a check for 4k and just deposited it. My cars current KBB value is 17.5k. I wholly own my car.The question now is: should I bother getting it repaired? Damage is cosmetic only. Ive heard things from others saying if you dont get it repaired, and another hailstorm hits, your auto insurance wont pay you and if you dont get it repaired, the value of your car will plummet. I guess I dont fully understand the pros cons of getting it fixed vs. pocketing the cash. What are some things I should consider?EDIT: value of car.  <response>: Keep in mind that cosmetic damage means you have cracks in your paint where moisture can get in, causing rust. At the very least, even if you dont have it properly repaired, have it professionally sealed that should only cost about 500.Personally, Id probably do exactly that and pocket the rest - I tend to buy my cars and drive them until they have no residual value worth mentioning. 