Do I have to get my car fixed right away?

No, and as long as you aren’t leasing or financing your car, you don’t have to get your car fixed at all. Any payments made in those cases are made to you only. If the vehicle is leased or financed payments are made to both you and the finance company in order to protect their lien. You can also choose to delay the repair if you aren’t able to pay your deductible to the repair shop at the end of the repair process.