Auto Insurance Claims/Two party check


How can I get an insurance company to re-issue their two party check ($4,000) for a collision repair.  The insured has moved and we cannot locate him (nor can the insurance company) to endorse the check.  The insured didn't leave a forwarding order with the post office and has let their policy lapse.  We completed the repairs per the estimate written and authorized by the insurance company.  We didn't receive the check until after the consumer moved and the repairs were completed.  The insurance company said that they would not re-issue the check until the consumer verified the repairs had been completed, even after I offered to provide a notarized affidavit stating the the repairs had been completed per their estimate.  Do I file a complaint with the Insurance Commissioner?


  Unfortnately, I am not aware of any way you can get the insurance company to comply with your requests.  Ultimately, you know that it is the vehicle owner who is responsible for paying for repairs to the vehicle, not the insurance company.  

  I run into this all the time, and that's why I am an expert skiptracer.  Locate the responsible party, that is all you can do.  Filing a complaint with the insurance commmissioner will get you nowhere because you are not a policyholder.  For a complaint to the commissioner to be valid, it must be from a policyholder against their own insurance company for a breach of consumer law or of the policy.  The commissioner does not help third parties recover money.

  I know this is probably not what you wanted to hear, but it is the right answer.  Locate the insured.  Hire a private eye, find them.  Find the responsible party, sue them, and the insurance company will likely pony up and make payment before any suit get's too close to a trial.

   I hope this helps.  Information is always free at Petty Details, LLC!  

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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