the car is not insurable untill the repairs are
done (third party liability, possibly, but collision or comprehensive,
no way) A car that gets "paid out" is generally branded as a "total"
and requires an extensive inspection to put it back on the road and
have it insured.
You COULD be opening yourself up to charges having the insurance
company pay for one thing while getting another - consult with a legal
professional or insurance professional in your state.