Ask the Car Insurance Expert
I have collision do I have the option to take the repair check and handle the repair myself?
Yes, if the check is made out to just you. You can do anything you want with the money. Take a vacation if you like instead of repairing your car. (Not that it's a good idea not to repair your car.)
But sometimes checks are made out to the repair shops; sometimes they're made out to you and your car lender, if you financed the vehicle.
Here's more on cashing out.