I got money....but I still want more!!!

Well I know that I had mentioned in church about a lady bumping into me while I was on lunch break one day. That was like two weeks ago. Short story:She bumped me, we moved into a parking lot to not block traffic, I couldn't find my cell phone, she was looking for hers, we spotted the Police station (in the same parking lot) so we decided to go there so it would be quicker, (free advice, don't EVER MOVE YOUR CAR FROM THE SCENE OF THE ACCIDENT) but the officer would not write a report because we had moved from the scene of the accident. Even though we both could have come to an agreement on how the accident happened he still wouldn't write it. So we exchanged information and I had the car estimated twice. I called her and she came by work and gave me $446.00. I called Mariano who has been upset about the whole entire thing. Left him a message. Well he had been talking to one of his Spanish friends that had her car worked, the body part and found someone to do it really cheap. So Mariano is taking the car tomorrow to get another estimate to see if he will be cheaper. My thoughts on this, if he can do the same quality work for a cheaper price, by all means get the job done. If we save a few bucks then we keep it, but if it is a large amount, I think since the lady was nice and Christianed enough that we should give the money back. She didn't complain about who I got my estimates done by or anything, very pleasant to do business with. But Mariano is thinking about that money going to 'projects' that we want to get accomplished in the house. So I need some opinions, by all means the money is ours, but I am thinking ethics here. I believe that it is kind of unethical from a Christian stand point to keep the money. I still have her contact information. So I need some advice....please don't say pray about because I am already doing that.
Also, I am excited!!!! At the end of this month I will be having two more Sunday School attendees!!! I just got through looking at Sunday school lessons and thinking about which one that I need...and just got to thinking about them....and I am excited. Then Lord willing if I am not mistaken, at the end of September then I will have one more!!! So I am thanking the Lord ahead of time for my next three buddies coming in. Finally Carter will have some more males in there instead of being out numbered!!!