If you don't completely own your car, then the answer to this question will most likely be no: money rewarded for repairs will go directly to your repair shop. However, if you own your car outright, you can do whatever you wish with the money you receive from an auto insurance payout.

The lien holder will require that you repair the vehicle with a professional because the car has a diminished value after an accident. ... If you are not paid the cost of repairs, then the auto repair shop is given the funds. In this situation, your vehicle will be fixed by the professional.