Reader question:

When I finish with the claims process, who gets the check for my car insurance claim?

Miriam

Great question.

It actually depends on your situation, like most things do. If you were the at fault driver, and so your check is being paid through the collision coverage that you have with your own car insurance company, then the check will come in both your name and the name of the repair shop that is taking care of your car. However, if the other driver was at fault, and you are making a claim through their company, then the check will come to you and you can use it at your own discretion.

It also differs if you are still financing your car, in which case the check will be made out to your financer. You will then have to go through a lengthy process of getting your financer to inspect the car and endorse the check.

Cheers,

Fashun Guadarrama.