<prompt> Human: We incurred minor damage to our car, but given the location of the damage, will cost about 2200 to fix. It is our primary car, but the damage is pretty much just cosmetic and doesnt affect the drivability or safety. I can live with the unsightliness if it makes more sense to take the money and run, but I want to know, WWRD? x200B;We planned to pay it off quicker, but life, so we still owe about 6400 on it. KBB says in good shape if we were to fix it its worth roughly 5000. We plan on driving it until it dies anyway - its a 2009 Civic Hybrid with 115k miles. Our budget is pretty well maxed right now and my wife is about to stop working to have a child in March, so itd be difficult to get above water without this little windfall.x200B;Would you take the insurance and put it toward the note, or go ahead and fix it?x200B;x200B;  <response>: I can live with the unsightlinessI think you answered your question.Take the money, help pay down the car. Then later if you ever want to sell it, see if it is worth selling fixing. 