Got into accident. Insurance sent a 2-party check (me+bodyshop). Can I cash/keep the check somehow?

blb

If the check is from the other persons company you just need to request a check in your name only.

If it is your insurance company and you have a loan on the car they have to make out the check to you and the bank or you and the body shop. (That makes sure that you fix it).

If there is no loan on the vehicle, you can ask to cash settle. They will pay you the amount of the estimate minus any tax. The check will be made out to you. If you go this route be aware that your policy will be flagged for prior damage to the vehicle. If you have another loss in the same area, they will deduct out the amount you have already been paid from any future claims checks.

koral2800

You are not required to have your vehicle repaired if you own the car outright. However, if something should happen to your car in the same spot, insurance will not pay for the repairs twice. If you have a lienholder, you do have to have the vehicle repaired to maintain it's value to the lienholder. If you don't have a lienholder, you need to contact your insurance adjustor and let them know you don't want to have your car fixed and to please cancel the current check and resubmit one to you in your name alone.

J.C.

No, you can't keep the check. Work with the shop to get the best pricing on repairs.

ca_surveyor

Thats the whole reason that its a 2 party check. The body shop releases all claims by signing it.

If you decide to repair the car yourself or simply not repair it, contact the insurance company and they will likely re-issue the check.

BUT.. don't mess with THAT check. It is not all yours.

Lemar J

Sure you can. If you want to become the girlfriend of a guy named Bubbu as you sit in prison for grand theft.

No, the insurance company is making sure that you get the work they are paying for completed. If you owned the car outright, then you could do what you wanted to with the money.

Just be glad they gave you a check as opposed to sending a work order to the body shop. At least you agent trusts you, however misguided that now appears to be.

Just do the right thing with the check. You'll be glad you did.

a99blkdog

no. try to make a deal with bodyshop for lower price...{used parts } not new...if you sign his name its forgery...big no no

LifeRyder

If there is a 'lean' on the vehicle, chances are really good you are stuck.
If this is not the case, you may be able to have the insurance carrier cancel the issued check and re-write one. They don't like to do that for obivious reasons.
Third way is to have the shop sign the check over to you. DON't be too surprised if they want a piece of the funds.

faye59x

NO you can not keep the check and you can not cash the check with out both parties you and the repair service agree and sign the check

jerry

if both are in your name,,the only problem is that if you have another accident and they will not pay if they paid you before,,good luck

stewiegriffin4president

Um, NO. If you didn't want the car fixed, why did you file a claim? That's a little something called insurance fraud. I advise you to stay away from it.

tammy

i have a question if the auto body does work im not satisfied with and its a two party check that i havent even seen and they say they have it but wont show me the check so i can sign how is that allowed - im not happy they were issued a two party check and didnt do the job -and are they allowed to cash the check w/o my signiture

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