It is doubtful they they will do that. They want the vehiclke on good condition in case the need to repo the vehicle. They are going to make sure that you get it fixed.

Can you just cash the check? Is the check in your name? If it is I don’t see why you can’t just cash it.

I’m not sure that you can do that anymore. I had to sign the back and send it my leinholder and they sent it to the repair place. I never saw it again. Now…it’s possible that you could “forget” to sign the back and they would have to send it back to you again. I would think you would have to let your insurance agent or company know that the repairs have NOT been done on the car or you may risk insurance fraud.

The only way the check would even be made payable to the lienholder, is if the lienholder had to put an insurance policy on the vehicle. Typically, lienholders don’t do that unless they’ve gotten a notice of canellation, or no proof that the vehicle is insured.

You don’t. The reason the bank is named on the check is that the car is their loan collateral. Now that it is damaged, it is worth less than it was before the accident. If you want them to ’sign off’, you will need a repair estimate, and THEN they will deposit the insurance check and issue a check to you AND the auto body repair place to insure that repairs are made.

In other words, you don’t get to use the cash as you are asking. You either fix the car, or give the money to the bank against your loan.