My Car Damaged By Hail. Want insurer to send me the check, not give it to a Body Shop.

[crestliner]

The insurance company will pay off the loan from the amount they are going to pay for the car. Then if any is left over you get it. Many times people are upside down on their payments and they still owe money after the insurance pays its required amount.

[lauravaughn00]

what if its a title loan from a bank and they are more interested in the loan then they are the car

[thestem]

Again, the check would be made the leinholder or shop and insured, if the insurance company knows about it.
Sometimes, with title loans, the insurance company doesn't know and thus a check gets issued directly to the insured.
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If it's a total, the insurance company wouldn't issue the check until they've secured the title or letter of guarantee that they will get the title.

[Nylarc]

Get the check in your name. Wait 2 months, all the while park your car in the sun as much as possible, after 2 mos see how many of the dents still exist. Nature can pull many of the dents out ESP the small ones. After 2months decide whether you want that money to fix the dents or maybe you'll be happy driving it with a few minor dents and a few $ in your pocket. Happened to me a few years ago, ended up putting another 100,000 miles on it til our son drove it to college. This plan takes patience, ans sunshine (or a lot of hot days).