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Question
I was told in order to receive an insurance check for my car the check must be made out to the lien holder or bodyshop thats doing the work. Can i have the check made out to the person doing the work if they no longer an established shop?
Most insurance companies will settle claims with anyone who is willing to do the work for their prices. But it sounds like this is your company with your lender named as co-insured, in which case they have a duty to protect the lien holder's interest in having the car properly repaired. That is why any car that is financed must also carry full coverage. So you can ask them, but I doubt they will go along with your plan.
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Answers by Expert:
Charlie Barone
Expertise
For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).
Experience
I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.
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