my insurance company wrote me and the repair shop a check for hail damage for 3200.00

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 22, 2013

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Insurance Question from Gretna, LA

Asked on 03/22/2013

my insurance company wrote me and the repair shop a check for hail damage for 3200.00 My repair shop did the job for 1800.00, When I went to pick up the car the shop owner was not there and I the clerk would not accept the insurance check.. I had to write a personal check. Now what am I to do?

Answer given on March 28, 2013

If you have a check from the insurance company that is payable to you and the repair shop, but had to pay the repair shop with your own check, you should be able to get the repair shop owner to sign the check and let you take it to your bank. Make sure that your bank will let you cash or deposit the check in your account once it is endorsed by your repair shop.They may hold the amount until the insurance company clears the check.If your bank will not accept the check, talk to the repair shop owner and see if he will take the check and reimburse you. The employee should have accepted the insurance check and if he wasn’t sure, he should have called the owner or spoken to someone in charge. It can’t be the first time an insurance check has been presented for payment of repairs.If there is a problem, contact the insurance company and tell them you had to pay the repair shop with your own check and ask if they will reissue the check in your name. They may find out the repair costs and may not reissue in the same amount that they originally issued it.

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