<prompt> Human: Hello. I just met with a State Farm agent this morning. I filed a hail damage claim just to milk whatever I could out of it and pocket the money. He concluded that all the damages other various dings and dents will cost 6,600, so that the check he wrote on the spot. I pay 128 a month for insurance for the state minimum required comprehensive insurance. I owe about 7,000 on a car loan to a employee credit union I no longer work with. The check was made our to my name and former company federal credit union. Do I have any obligation to pay the credit union first? Do I actually have to get repairs? Basically, seems to good to be true, whats the catch?Some details on the car: 2011 Jeep Grand Cherokee, 92,000 miles. I would say its in excellent condition Assistant: Its not your car, its the credit unions car as well and thats why they are listed as a payee. They will want the loan paid or the collateral repaired. They will not sign the check over, also if the adjuster wrote a check for 6,600 then rest assured there is over 8,000 in damages. A repair shop will call them to supplement the ESTIMATE of the damage. If you owned the car then its up to you. I owned an auto body shop for 20 years.Human: Thanks for the advice. My plan will be to pay the loan if the CU lets me, or just get the repairs since I wouldnt be able to use the check without their approval. The car is in really good condition, I dont care about the tiny dents, and I plan to drive it until the wheels fall off so resale value isnt a big deal. I would rather decrease my debt. I understand that later if more damage happens, I cant claim this damage again. One question though, should I get an, estimate on the repairs first? Will they give me the check if the estimate increases, and I could potentially put more money towards the loan?  <response>: Pay the car off and start making payments to yourself so you can pay cash for the next car. 