How to cash insurance check written out to me and an auto shop?

Question

I was issued a check written out to me and a specific auto body shop. However, I do not want to use this shop and by Oregon state law I don't have to. How can I cash the check considering the bank won't allow me to cash it without them signing off?

Answer 1

Both you and the body shop have to sign off on the check.

**If you don't want to use that body shop, call the adjuster and have them reissue the check.  If there's a leinholder on the car, they will make the check out to you and the lender, jointly.  If not, they should make the check out only to you.  But if it's your insurance company, they'll tell underwriting to flag your file, to make sure the repairs are done in a timely manner, or they'll cancel your policy.**

Answer 2

Heres the step by step process:

1. call up the body shop

2. make appointment to have them repair your car

3. authorize them to order parts

4. bring car to them on the appointed date

5. give them car and keys to car

6. shop calls and says repairs to car are complete

7. take check to body shop

8. endorse check

9. give check to shop

10. shop gives you keys to your repaired car and you go home.

If a body shop is on the check - that usually means the car is financed. The insurance company has to protect the finance companies interest in the vehicle. That means - they either list the body shop or the finance company on the check.

** Edit - if you don't want that shop to do the repairs.   Decide what shop you want to do the repairs. Call your insurance company. Tell them you need this check canceled and re-issued to you and the body shop of your choice.

You can have any shop you want do the repairs. The insurance company can put the shop of your choice on the check. Just need to let them know who that is so they can cancel and re-issue the check.

Answer 3

you cannot cash the check yourself, you have to sign the check over to the auto shop. If the check is more than the repair, they will give you the remaining amount, thats only if you have an honest machanic...