We've actually never been offered a direct repair? Is that odd?
1. Some gal hit us at a stop sign, it was an attempted hit and run, but lucky for us a cop was RIGHT there and I was able to flag him down.
Damage was so minor we took the check and didn't worry about repairs.
2. Car key'd. Police never found who did it so our insurance paid out. but at the time we couldn't afford the deductible. So we kept the check...
3. We would have done direct repair if it was offered, but insurance totaled our car out. (Neighbor hit us....grr..) so it was just one big fat check.