<prompt> Human: I was mailed a check from insurance, and found that my lien holder bank is included as a payee. I spoke with them, and they told me I either need to get the repairs done or I could apply that check to the principal loan amount. From doing some looking around, I can get the car in near-perfect condition for about 800 out of pocket. You would really have to be looking for dents at that point to find anything even minor. As it is, the dents are barely noticeable at a glance.This seems like the right decision to me, but maybe theres something Im overlooking.I currently owe 17,000 more on this car.Any input would be appreciated. Thank you.  <response>: As you dont own the car outright you need to get the car repaired. Your finance company may have a problem down the line if you opt to trade it in early and you may end up being responsible for fixing the damage then. Hubby and I both work in claims. 