How do I cash this insurance claims check?

Is there a way for me to cash this check? It was sent to me by my insurance company and it has both my name and the repair shop's name listed. The bank said I wasn't able to cash it. What should I do?

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Don’t worry, this is quite common. You can get your car repaired, even though you can’t cash the check!
When there is a lienholder listed for the car, your
car insurance
company can issue a claim check a few ways:
  • To you and the bank
  • To you and the
    body shop
  • To the body shop directly
In this situation, your insurance company issued the payment to you and the body shop. All you need to do is sign the check over to the body shop, they will cash it and release your car once the repairs are completed.
Another option is to sign a Direction to Pay form. This form gets sent from the body shop to your insurer, allowing your insurer to pay the body shop directly.
If the body shop would prefer this over waiting for the check to clear, it should be fine. Your insurance company will void the current check.
Keep in mind that communication and claims service is just as important as customer service. If you are unhappy with how your claim is handled, it might be time to shop for a new insurance company.
If you are looking for better service and a cheaper rate,
can help! Jerry shops prices with over 50 different insurance companies and delivers the lowest rates straight to your phone in seconds. If you have any questions, you can text an agent, and they will text right back with assistance!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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