Auto Hail-Can I just keep my check?

Can I just keep my insurance check and not fix the damage?

Yes- if you own nothing on your vehicle. 

No- if you have a lien holder or own money on your vehicle.
If you own money, you have two options,
1. Have vehicle repaired.
2. Apply the money to the lien/loan. (I have often suggested this to customers with vehicles over 120,000 miles on them.