Do banks cash insurance checks made out to me and them?

Question

It's made out to both of us, not just me and is for automobile purposes. Will they cash it even though it's made out to both of us?

Answer 1

The checks are usually made out to both you and the bank because the bank is the lien holder on the vehicle.  The bank will sign the check when the repairs are completed on the vehicle.  Since you owe them money on your vehicle, you will be required to have your vehicle fixed or pay off the vehicle.

Answer 2

if the check is made out to you, with proper ID you should be able to cash the check.

If its a bank that you do not have an account with then they may charge a fee.