Insurance Check - Made Out to Me and Auto Body Shop?
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Insurance Check - Made Out to Me and Auto Body Shop?
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I read a few answered questions here. I got my car hit and couldn't find the title to my car, so instead of making the check straight to me, they put the auto body shop's name on it as well. It was made out to me and the auto body shop. The bank isn't supposed to take it obviously, but I got mine to deposit it. I'm crossing my fingers and waiting to see what happens. What are the chances I will get the money and the bank will not catch the error? I've heard of this happening before to people with no problem. If worse comes to worse, I can send them a copy of the title and then I get a check made out straight to me. I can then either get my car fixed or choose to pay off my credit card debt with the money. I have a feeling I will get some responses saying it's illegal to not get my car fixed. Actually, it's not; I can do whatever I'd like with the insurance proceeds as long as my car is paid off. (Which it is.) Any bank personnel input would be greatly appreciated. Thanks!! =)
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LT
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If the car is paid for you can do anything with the money you wish ... it is NOT iillegal. Now that the check is made out to both there are some things you can do.... get the car repaired, sign the check and give it to them....go to the shop and have them sign the check and deposit/cash the check... or sign the check for the body shop (not llegal, but the body shop is the only ones you have to worry about and the only ones who will/can get you in trouble) sign your name and then deposit/cash the check. Now I'll get thumbs down from the know it alls... but I have done all three with checks and it can be done. |
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JustMe
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I'm not a bank employee, but I have had a similar experience. I had to endorse the check and then give it to the body shop. I did get my car fixed and the body shop reimbursed me the difference of the actual amount and the original estimate. I'm not sure who your insurance company is, but you should have called them and told them you wanted the check made out directly to you because you were considering a different repair shop. If the check is returned to you uncashed - call your insurance company and tell them that. |
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LeAnne
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This is generally done only if there is a lien holder on the vehicle. The check should have been made out only to you.
I would go into the bank and ask them rather than assume that they will not notice the payee(s) on the check. |
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NoieQuint
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Eventhough your bank deposited it, it is a likely chance that the paying bank on the check will return the check. 9 out of 10 it will be returned to your account and a legal copy of the check will be sent to you thru the mail. Eventhough your bank may have given you credit for the item, please do not use the funds. It will be returned b/c it was not properly endorsed. You will need the body shop to stamp and endorse the copy that was sent to you, then you can do with it whatever you like. |
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