Who gets the insurance check: my son, myself, of split it?

I bought my 17 yr old son a great used car, which his step-brother smashed into. This is the third used car I've bought my son. The neighbor smashed into the first one while parked. The second one died soon after it was purchased.

I'm a single parent and disabled, so it's very helpful for my son to get around on his own. His dad doesn't help much.

We really wanted to keep the car, though we have to get a salvage title, which will make it difficult to ever sell.
The only other choice was to give it up to the ins.co. and try to find another really good used car for little money.

We chose to keep the car and the insurance co. paid us a lot more than we thought. I bought the car and it's in my name. I had been thinking about changing it into my son's since he turned 18.

My son did have the oil changed, put a new tire on, and paid $500 recently to have a brake job on the car, so he did keep it up some.
What's fair?