Back again with another stupid question

[PhantaPhanta]

Hi everyone, today I have a question about insurance claiming. I have no idea how to clearly ask this so please stay with me.

We're talking about deductible and 2 way insurance. Ive never had an accident that was my fault, knock on wood. Anyways it comes down to a hit and run scenario.

I always believed if something happens to your car, assuming u have 2 way insurance, pay deductable and wake up to a car that was in the condition it was before the accident.

Now I heard rumors somewhere that you can ask your insurance to measure the damage, take the check for that estimate, not pay a deductible and go get your car repaired somewhere else you like for cheaper and pocket the differwnce.

Is this real/legal or is it a rumor and i should ?

Thanks.