If someone offers me $500 in cash to fix my car after they crashed into me, should I accept the money or file a claim?

Don’t be afraid to negotiate when you first receive a claim settlement offer from your car insurance company. If you have proof of any medical bills and costs of repair from an accident, you can use it to get a better payout.

You’ll usually have to repair your car after an insurance claim accident—but there are some exceptions. Read this article on insurance claim money to learn what you should and shouldn't do.

Does insurance cover hit and run parked car? If you have collision coverage, you should have no problem getting your repairs paid for.