Auto Insurance No Credit Check

Insurance Check – Made Out to Me and Auto Body Shop?

I read a few answered questions here. I got my car hit and couldn’t find the title to my car, so instead of making the check straight to me, they put the auto body shop’s name on it as well. It was made out to me and the auto body shop. The bank isn’t supposed to take it obviously, but I got mine to deposit it. I’m crossing my fingers and waiting to see what happens. What are the chances I will get the money and the bank will not catch the error? I’ve heard of this happening before to people with no problem. If worse comes to worse, I can send them a copy of the title and then I get a check made out straight to me. I can then either get my car fixed or choose to pay off my credit card debt with the money. I have a feeling I will get some responses saying it’s illegal to not get my car fixed. Actually, it’s not; I can do whatever I’d like with the insurance proceeds as long as my car is paid off. (Which it is.) Any bank personnel input would be greatly appreciated. Thanks!! =)

If the car is paid for you can do anything with the money you wish … it is NOT iillegal. Now that the check is made out to both there are some things you can do…. get the car repaired, sign the check and give it to them….go to the shop and have them sign the check and deposit/cash the check… or sign the check for the body shop (not llegal, but the body shop is the only ones you have to worry about and the only ones who will/can get you in trouble) sign your name and then deposit/cash the check. Now I’ll get thumbs down from the know it alls… but I have done all three with checks and it can be done.