My 17 Jetta got hit in the rear wheel well a couple weeks ago. Their insurance company sent me a check for $1400. The bodyshop quoted $2200 to get it fixed. Part of me just wants to take the money and run, since its not that much damage. But only if they were to give the full $2200 so i can get it fixed at a later date if I desire. Is the insurance company required to give me the $2200 or must I have the car repaired?