Settle a dispute please: We had 2 vehicles damaged in the April 2024 hail storm in Austin. Went through the process w State Farm, they inspected (virtually) and cut checks. The checks are in my hand. We would prefer to keep the money, not do the repairs and accept that future hail damage would not be covered. We plan to own the vehicles for many more years, accept that that we'd get less at sale or trade in because of the damage. Are there implications to this I am not thinking of? Is there a legal issue?